Required Escrow Accounts for Higher-Priced Mortgage Loans
Loan type is a discrete variable classifying whether the loan is a term loan, a demand loan, a revolving credit, a standby letter of credit, an uncommitted guidance line, etc. The differences among these categories reflect different options on the part of the bank and the borrower as to when the loan is drawn down, prepaid, and/or redrawn. ................
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