<!ELEMENT Applicant  (PersonalInformation , Residence* , Employment* , Declarations? , Income? , Expenses? , Assets? , Liabilities? , RealEstateOwned? , HousingExpense? , ApplicationInformation? )>
<!ATTLIST Applicant  ApplicantType  (Borrower | Coborrower )  #REQUIRED >

<!ELEMENT PersonalInformation  (Name , SocialSecNo? , Age? , BirthDate? , Gender? , DriversLicense? , MaritalStatus? , Dependents? , DependantAges? , HomePhone? , SchoolYears? , CreditAlias? )>
<!ELEMENT Name  (First , Middle? , SecondMiddle? , Last , MaternalLast? , Generation? )>
<!ELEMENT First  (#PCDATA )>
<!ATTLIST First  e-dtype NMTOKEN  #FIXED 'string' >
<!ELEMENT Middle  (#PCDATA )>
<!ATTLIST Middle  e-dtype NMTOKEN  #FIXED 'string' >
<!ELEMENT SecondMiddle  (#PCDATA )>
<!ATTLIST SecondMiddle  e-dtype NMTOKEN  #FIXED 'string' >
<!ELEMENT Last  (#PCDATA )>
<!ATTLIST Last  e-dtype NMTOKEN  #FIXED 'string' >
<!ELEMENT MaternalLast  (#PCDATA )>
<!ATTLIST MaternalLast  e-dtype NMTOKEN  #FIXED 'string' >
<!ELEMENT Generation EMPTY>
<!ATTLIST Generation  GenerationType  (Jr | Sr | II | III | IV | V | VI )  #REQUIRED >
<!ELEMENT SocialSecNo  (#PCDATA )>
<!ATTLIST SocialSecNo  e-dtype NMTOKEN  #FIXED 'string' >
<!ELEMENT Age  (#PCDATA )>
<!ATTLIST Age  e-dtype NMTOKEN  #FIXED 'int' >
<!ELEMENT BirthDate  (#PCDATA )>
<!ATTLIST BirthDate  e-dtype NMTOKEN  #FIXED 'date' >
<!ELEMENT Gender EMPTY>
<!ATTLIST Gender  GenderType  (Male | Female )  #REQUIRED >
<!ELEMENT DriversLicense  (DLNumber , State , DateIssued? , Expiration? )>
<!ELEMENT DLNumber  (#PCDATA )>
<!ATTLIST DLNumber  e-dtype NMTOKEN  #FIXED 'string' >
<!ELEMENT DateIssued  (#PCDATA )>
<!ATTLIST DateIssued  e-dtype NMTOKEN  #FIXED 'date' >
<!ELEMENT Expiration  (#PCDATA )>
<!ATTLIST Expiration  e-dtype NMTOKEN  #FIXED 'date' >
<!ELEMENT MaritalStatus EMPTY>
<!ATTLIST MaritalStatus  MaritalStatusType  (Single | Married | Unmarried )  #REQUIRED >
<!ELEMENT Dependents  (#PCDATA )>
<!ATTLIST Dependents  e-dtype NMTOKEN  #FIXED 'number' >
<!ELEMENT DependantAges  (#PCDATA )>
<!ATTLIST DependantAges  e-dtype NMTOKEN  #FIXED 'string' >
<!ELEMENT HomePhone  (#PCDATA )>
<!ATTLIST HomePhone  e-dtype NMTOKEN  #FIXED 'string' >
<!ELEMENT SchoolYears  (#PCDATA )>
<!ATTLIST SchoolYears  e-dtype NMTOKEN  #FIXED 'int' >
<!ELEMENT CreditAlias  (AlternateName , CreditorName , AccountNumber )>
<!ELEMENT AlternateName  (#PCDATA )>
<!ATTLIST AlternateName  e-dtype NMTOKEN  #FIXED 'string' >
<!ELEMENT CreditorName  (#PCDATA )>
<!ATTLIST CreditorName  e-dtype NMTOKEN  #FIXED 'string' >
<!ELEMENT AccountNumber  (#PCDATA )>
<!ATTLIST AccountNumber  e-dtype NMTOKEN  #FIXED 'string' >

<!ELEMENT Residence  (Location , Occupancy? , MonthsResiding? )>
<!ATTLIST Residence  ResidenceType  (Primary | Current | Former )  #REQUIRED >
<!ELEMENT Occupancy EMPTY>
<!ATTLIST Occupancy  OccupancyType  (Rent | Own | LivingRentFree | Unspecified )  'Unspecified' >
<!ELEMENT MonthsResiding  (#PCDATA )>
<!ATTLIST MonthsResiding  e-dtype NMTOKEN  #FIXED 'int' >

<!ELEMENT Employment  (Owner , Entity , TypeOfBusiness? , PositionTitle? , StartDate? , EndDate? , YearsOnJob? , YearsInProfession? , MonthlyIncome? , SelfEmployed? , Verified? )>
<!ATTLIST Employment  EmploymentType  (Primary | Current | Former )  #REQUIRED >
<!ELEMENT TypeOfBusiness  (#PCDATA )>
<!ATTLIST TypeOfBusiness  e-dtype NMTOKEN  #FIXED 'string' >
<!ELEMENT PositionTitle  (#PCDATA )>
<!ATTLIST PositionTitle  e-dtype NMTOKEN  #FIXED 'string' >
<!ELEMENT StartDate  (#PCDATA )>
<!ATTLIST StartDate  e-dtype NMTOKEN  #FIXED 'date' >
<!ELEMENT EndDate  (#PCDATA )>
<!ATTLIST EndDate  e-dtype NMTOKEN  #FIXED 'date' >
<!ELEMENT YearsOnJob  (#PCDATA )>
<!ATTLIST YearsOnJob  e-dtype NMTOKEN  #FIXED 'int' >
<!ELEMENT YearsInProfession  (#PCDATA )>
<!ATTLIST YearsInProfession  e-dtype NMTOKEN  #FIXED 'int' >
<!ELEMENT MonthlyIncome  (#PCDATA )>
<!ATTLIST MonthlyIncome  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >
<!ELEMENT SelfEmployed EMPTY>
<!ATTLIST SelfEmployed  TrueFalseType  (True | False )  #REQUIRED >

<!ELEMENT Declarations  (Declaration+ , PropertyTypeOwned , TitleHeld )>
<!ELEMENT Declaration EMPTY>
<!ATTLIST Declaration  DeclarationType  (Judgements | 
                                         Bankrupt | 
                                         Foreclosed | 
                                         Lawsuit | 
                                         Obligation | 
                                         Delinquent | 
                                         Alimony | 
                                         DownPmtBorrowed | 
                                         Endorser | 
                                         USCitizen | 
                                         ResidentAlien | 
                                         PrimaryResidence | 
                                         OwnershipInterest )  #REQUIRED
                       YesNoType        (Yes | No )  #REQUIRED >
<!ELEMENT PropertyTypeOwned EMPTY>
<!ATTLIST PropertyTypeOwned  ResidencyType  (Primary | Secondary | Investment )  #REQUIRED >
<!ELEMENT TitleHeld EMPTY>
<!ATTLIST TitleHeld  TitleHeldType  (Soley | Jointly | OtherPerson )  #REQUIRED >


<!ELEMENT Income  (IncomeItem+ )>
<!ELEMENT IncomeItem  (Owner? , Description? , Amount? )>
<!ATTLIST IncomeItem  IncomeType  (Base | 
                                   Overtime | 
                                   Bonus | 
                                   Commission | 
                                   DivInt | 
                                   Dividend | 
                                   Interest | 
                                   NetRental | 
                                   Total | 
                                   Other )  #REQUIRED >

<!ELEMENT Expenses  (ExpenseItem+ )>
<!ELEMENT ExpenseItem  (Owner , OwedTo? , Description? , Amount )>
<!ATTLIST ExpenseItem  ExpenseType  (JobRelated | 
                                     Alimony | 
                                     ChildSupport | 
                                     SeparateMainenance | 
                                     Other )  #REQUIRED >
<!ELEMENT OwedTo  (#PCDATA )>
<!ATTLIST OwedTo  e-dtype NMTOKEN  #FIXED 'string' >
<!ELEMENT Amount  (#PCDATA )>
<!ATTLIST Amount  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >

<!ELEMENT Assets  (AssetItem+ )>
<!ELEMENT AssetItem  (Owner , Entity , InNameOf? , AccountNumber? , Value? , GrossValue? , Description? , Verified? )>
<!ATTLIST AssetItem  AssetType  (K401 | 
                                 CD | 
                                 Checking | 
                                 Savings | 
                                 CreditLine | 
                                 Bonds | 
                                 Stocks | 
                                 GiftFund | 
                                 BridgeFund | 
                                 RetirementFund | 
                                 TrustFund | 
                                 IRA | 
                                 MoneyMarket | 
                                 MutualFund | 
                                 NetProceedsOfSale | 
                                 CashDeposit | 
                                 LifeInsurance | 
                                 VestedRetirement | 
                                 BusinessNetWorth | 
                                 Automobile | 
                                 Other )  #REQUIRED >
<!ELEMENT Value  (#PCDATA )>
<!ATTLIST Value  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >
<!ELEMENT GrossValue  (#PCDATA )>
<!ATTLIST GrossValue  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >

<!ELEMENT Liabilities  (LiabilityItem+ )>
<!ELEMENT LiabilityItem  (Owner , Entity? , InNameOf? , AccountNumber? , Balance? , MonthlyPayment? , MonthsRemaining? , DateOpened? , Collateral? , CollateralValue? , Verified? )>
<!ATTLIST LiabilityItem  LiabilityType  (Revolving | 
                                         Installment | 
                                         Mortgage | 
                                         CreditLine | 
                                         OpenAccount | 
                                         Other | 
                                         Unknown )  #REQUIRED >
<!ELEMENT InNameOf  (#PCDATA )>
<!ATTLIST InNameOf  e-dtype NMTOKEN  #FIXED 'string' >
<!ELEMENT Balance  (#PCDATA )>
<!ATTLIST Balance  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >
<!ELEMENT MonthlyPayment  (#PCDATA )>
<!ATTLIST MonthlyPayment  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >
<!ELEMENT MonthsRemaining  (#PCDATA )>
<!ATTLIST MonthsRemaining  e-dtype NMTOKEN  #FIXED 'int' >
<!ELEMENT DateOpened  (#PCDATA )>
<!ATTLIST DateOpened  e-dtype NMTOKEN  #FIXED 'date' >
<!ELEMENT Collateral  (#PCDATA )>
<!ATTLIST Collateral  e-dtype NMTOKEN  #FIXED 'string' >
<!ELEMENT CollateralValue  (#PCDATA )>
<!ATTLIST CollateralValue  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >

<!ELEMENT RealEstateOwned  (RealEstateItem+ )>
<!ELEMENT RealEstateItem  (Owner , Location , PropertyType? , PropertyStatus? , PresentMarketValue? , MortgageLiens? , GrossRentalIncome? , MortgagePayments? , InsuranceMaintTaxes? , NetRentalIncome? )>
<!ELEMENT PropertyType EMPTY>
<!ATTLIST PropertyType  PropertyTypeType  (SFR | 
                                           Condo | 
                                           PUD | 
                                           Units2_4 | 
                                           Manufactured | 
                                           Coop | 
                                           Land | 
                                           Farm | 
                                           Multifamily | 
                                           Townhouse | 
                                           CommercialNonRes | 
                                           CommercialRes | 
                                           MobileHome | 
                                           Other | 
                                           Unknown )  #REQUIRED >
<!ELEMENT PropertyStatus EMPTY>
<!ATTLIST PropertyStatus  PropertyStatusType  (PendingSale | 
                                               SubjectProperty | 
                                               Sold | 
                                               Retained | 
                                               Other | 
                                               Unknown )  #REQUIRED >
<!ELEMENT PresentMarketValue  (#PCDATA )>
<!ATTLIST PresentMarketValue  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >
<!ELEMENT MortgageLiens  (#PCDATA )>
<!ATTLIST MortgageLiens  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >
<!ELEMENT GrossRentalIncome  (#PCDATA )>
<!ATTLIST GrossRentalIncome  e-dtype NMTOKEN  #FIXED 'string' >
<!ELEMENT MortgagePayments  (#PCDATA )*>
<!ATTLIST MortgagePayments  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >
<!ELEMENT InsuranceMaintTaxes  (#PCDATA )>
<!ATTLIST InsuranceMaintTaxes  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >
<!ELEMENT NetRentalIncome  (#PCDATA )>
<!ATTLIST NetRentalIncome  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >

<!ELEMENT HousingExpense  (Rent? , FirstMortgage? , OtherFinancing? , HazardInsurance? , RealEstateTaxes? , MortgageInsurance? , HomeownersAssn? , OtherExpense? , Total? , Description? )>
<!ATTLIST HousingExpense  HousingExpenseType CDATA  #IMPLIED >
<!ELEMENT Rent  (#PCDATA )>
<!ATTLIST Rent  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >
<!ELEMENT FirstMortgage  (#PCDATA )>
<!ATTLIST FirstMortgage  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >
<!ELEMENT OtherFinancing  (#PCDATA )>
<!ATTLIST OtherFinancing  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >
<!ELEMENT HazardInsurance  (#PCDATA )>
<!ATTLIST HazardInsurance  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >
<!ELEMENT RealEstateTaxes  (#PCDATA )>
<!ATTLIST RealEstateTaxes  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >
<!ELEMENT MortgageInsurance  (#PCDATA )>
<!ATTLIST MortgageInsurance  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >
<!ELEMENT HomeownersAssn  (#PCDATA )>
<!ATTLIST HomeownersAssn  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >
<!ELEMENT OtherExpense  (#PCDATA )>
<!ATTLIST OtherExpense  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >
<!ELEMENT Total  (#PCDATA )>
<!ATTLIST Total  e-dtype NMTOKEN  #FIXED 'fixed.14.4' >
<!ELEMENT Description  (#PCDATA )>
<!ATTLIST Description  e-dtype NMTOKEN  #FIXED 'string' >

<!ELEMENT ApplicationInformation  (JointAssetsUsed? , SpouseLiabilitiesUsed? , CompletedJointly? , MonitoringData? , Interview? )>
<!ELEMENT JointAssetsUsed EMPTY>
<!ATTLIST JointAssetsUsed  TrueFalseType  (True | False )  #REQUIRED >
<!ELEMENT SpouseLiabilitiesUsed EMPTY>
<!ATTLIST SpouseLiabilitiesUsed  TrueFalseType  (True | False )  #REQUIRED >
<!ELEMENT CompletedJointly EMPTY>
<!ATTLIST CompletedJointly  TrueFalseType  (True | False )  #REQUIRED >
<!ELEMENT MonitoringData  (Owner , DataFurnished? , Race? , Sex? , FirstTimeHomebuyer? )>
<!ELEMENT Owner EMPTY>
<!ATTLIST Owner  OwnerType  (Borrower | Coborrower | Joint )  #REQUIRED >
<!ELEMENT DataFurnished EMPTY>
<!ATTLIST DataFurnished  YesNoType  (Yes | No )  #REQUIRED >
<!ELEMENT Race  (Description? )>
<!ATTLIST Race  RaceType  (NativeAmerican | 
                           Asian | 
                           White | 
                           Black | 
                           Hispanic | 
                           Other | 
                           Unspecified )  #REQUIRED >
<!ELEMENT Sex EMPTY>
<!ATTLIST Sex  SexType  (Male | Female | Unspecified )  #REQUIRED >
<!ELEMENT FirstTimeHomebuyer EMPTY>
<!ATTLIST FirstTimeHomebuyer  YesNoType  (Yes | No )  #REQUIRED >
<!ELEMENT Interview  (MethodTaken? , InterviewDate? , Entity? )>
<!ELEMENT MethodTaken EMPTY>
<!ATTLIST MethodTaken  MethodTakenType  (Face | Mail | Phone | Unspecified )  #REQUIRED >
<!ELEMENT InterviewDate  (#PCDATA )>
<!ATTLIST InterviewDate  e-dtype NMTOKEN  #FIXED 'dateTime' >