ULDD Phase 2 Implementation Considerations
Updated March 1, 2016
Overview:
On March 31, 2015, Fannie Mae issued an Announcement regarding the status of ULDD Phase 2 along with an updated
Appendix D: Phase 2 Fannie Mae XML Data Reference outlining all Phase 2 data requirements. Effective June 27, 2016,
lenders will be required to deliver the new ULDD Phase 2 data points for all loans with an application received date on or
after March 1, 2014. Fannie Mae’s ULDD Phase 2 data requirements include new data points, as well as revisions to
several ULDD Phase 1 data points.

Lenders/Technology solution providers currently supporting the ULDD Phase 1 MISMO 3.0 XML import file should
refer to the “Phase 2-7” tab in Appendix D. It shows the incremental change from Phase 1 to Phase 2 and lists
the 16 new data points as well as the revisions to Phase 1.

New lenders/technology solution providers who are not currently supporting the ULDD Phase 1 MISMO 3.0 XML
import file, but will begin building an XML file to deliver ULDD Phase 2 data should refer to the “Complete ULDD6” tab in Appendix D. This lists all ULDD Phase 1 data points currently supported in Loan Delivery, plus all
upcoming changes introduced in ULDD Phase 2. Organizations with plans to implement the XML import file prior
to June 27, 2016, should ensure their systems adhere to the current (Phase 1) requirements for deliveries prior to
June 27.
Important Transition Information You Should Know

Lenders/Technology solution providers can test the ULDD Phase 2 data (including Phase 1 revisions) using the
Loan Delivery Test Environment.

The New Loan Delivery application will accept:
o
Existing Phase 1 XML file; or
o
New Phase 2 XML file (w/ Phase1 revisions); or
o
Manual Entry – New Phase 2 fields are available on the user interface for lenders to enter the data.

Lenders are not required to implement the ULDD Phase 2 data points (including Phase 1 revisions) in their XML
files immediately in the new Loan Delivery application. A flexible rollout is available allowing lenders to become
acclimated to using the new Loan Delivery application with their existing XML files.

Business Rules are currently in place in the new Loan Delivery to validate the ULDD Phase 2 requirements.
o
If the Phase 2 data is not provided, lenders will still receive the associated business rule edits; however
they will be Informational until April 4, 2016 when they turn Warning, then Fatal as of June 27, 2016
(ULDD Phase 2 mandate).
NOTE:
EarlyCheck has been updated to include validation rules for ULDD Phase 2. For more information,
reference the EarlyCheck page on FannieMae.com.
ULDD Phase 2 Requirements:

16 New data points
o
Note that many lenders are already collecting these 16 fields as of the March 1, 2014, Application
Received Date and in support of Freddie Mac’s implementation of ULDD Phase 2.
© 2016 Fannie Mae. Trademarks of Fannie Mae.
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
82 Revisions to Phase 1 data points that are defined by the “Data Point Change Type” column, provided on the
Phase 2-7 tab within Appendix D.

The following descriptions of the “Data Point Change Type” column on the Phase 2-7 tab in Appendix D:
o
Documentation change to be made as soon as possible (54 data points) – Lender needs to validate a
potential system code change (there should be no code change required, however, this assessment
should be verified by the lender).
o
Code change to be made as soon as possible (6 data points) – Required code change which can be
made as soon as possible to the ULDD XML file and prior to implementation of Phase 2 in Loan Delivery.
o
Code change to be made Q2 2016 (22 data points) – A required code change; the change cannot be
made until the lender is using the Phase 2 XML file in the new Loan Delivery application.
New ULDD Phase 2 Data Points
To locate the new ULDD Phase 2 data points, take the following steps:

Go to the Phase 2-7 Tab in Appendix D

Apply a filter on the first row header

Go to column E – Data Point New / Revision

Apply a filter for New
Sort ID
33
85
147
148
149
150
194
244
251
287
293
312
580
591.1
596
599
600
Data Point
New /
Revision
New
New
New
New
New
New
New
New
New
New
New
New
New
New
New
New
New
Data Point Change Type
MISMO Data Point Name
FNM
Conditionality
Code change to be made as soon as possible
Code change to be made as soon as possible
Code change to be made as soon as possible
Code change to be made as soon as possible
Code change to be made as soon as possible
ManufacturedHomeWidthType
PropertyValuationFormType
BuydownChangeFrequencyMonthsCount
BuydownDurationMonthsCount
BuydownIncreaseRatePercent
CR
CR
CR
CR
CR
Code change to be made as soon as possible
Code change to be made as soon as possible
Code change to be made as soon as possible
Code change to be made as soon as possible
Code change to be made as soon as possible
Code change to be made as soon as possible
BuydownInitialDiscountPercent
BorrowerPaidDiscountPointsTotalAmount
TotalMortgagedPropertiesCount
LoanLevelCreditScoreValue
BorrowerReservesMonthlyPaymentCount
RefinanceCashOutAmount
CR
R
R
R
R
CR
Code change to be made as soon as possible
Code change to be made as soon as possible
Code change to be made as soon as possible
Code change to be made as soon as possible
Code change to be made as soon as possible
Code change to be made as soon as possible
DisclosedIndexRatePercent
CreditReportIdentifier
CreditScoreProviderName
BankruptcyIndicator
LoanForeclosureOrJudgmentIndicator
EmploymentBorrowerSelfEmployedIndicator
CR
CR
O
CR
CR
CR
NOTE:
Sort ID 591.1 CreditScoreProviderName is listed for alignment with Freddie Mac, however it is Optional
for ULDD Phase 2 for Fannie Mae. You do not have to include this data point in the ULDD Phase 2 XML
file; however, if you do include it, it will be ignored.
Phase 1 Revisions: Documentation Change to be made as Soon as Possible
Phase 1 revisions that are labeled in Appendix D as “Documentation change to be made as soon as possible” are those in
which the lender needs to validate a potential system code change. There are 54 data points that fall in this category
© 2016 Fannie Mae. Trademarks of Fannie Mae.
03.01.2016
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(listed in Table below); the Fannie Mae Implementation Notes were revised for these fields for better clarify. These data
points do not require a code change unless the lender originally coded incorrectly. If the lender did code incorrectly, the
change can be made immediately to the existing loan delivery Phase 1 XML import file.
To locate these data points, take the following steps:




From the Phase 2-7 Tab in Appendix D
Apply a filter on the first row header
Go to column F – Data Point Change Type
Apply a filter for Documentation change to be made as soon as possible - validate for potential code change
Reminder: All Phase 2 requirements (including Phase 1 Revisions) are effective for loans with an application
received date on or after March 1, 2014, and delivered through Loan Delivery on/after June 27, 2016.
Sort ID
Appendix D Tab
MISMO Data Point Name
24
Phase 2-7
SpecialFloodHazardAreaIndicator
41
Phase 2-7
ProjectAttachmentType
CR
48
Phase 2-7
ProjectName
CR
65
Phase 2-7
PropertyFloodInsuranceIndicator
82
Phase 2-7
AppraisalIdentifier
CR
92
Phase 2-7
HomeEquityCombinedLTVRatioPercent
CR
118
Phase 2-7
InterestRateRoundingType
CR
121
Phase 2-7
PerChangeMaximumDecreaseRatePercent
CR
122
Phase 2-7
PerChangeMaximumIncreaseRatePercent
CR
123
Phase 2-7
PerChangeRateAdjustmentEffectiveDate
CR
124
Phase 2-7
PerChangeRateAdjustmentFrequencyMonthsCount
CR
126
Phase 2-7
CR
131
Phase 2-7
138
Phase 2-7
AdjustmentRuleType
PerChangePrincipalAndInterestPaymentAdjustmentP
ercent
LoanAmortizationType
195
Phase 2-7
PurchasePriceAmount
CR
218
Phase 2-7
InterestOnlyEndDate
CR
221
Phase 2-7
RelatedInvestorLoanIdentifier
CR
222
Phase 2-7
RelatedLoanInvestorType
CR
226
Phase 2-7
BalloonIndicator
236
Phase 2-7
InitialFixedPeriodEffectiveMonthsCount
255
Phase 2-7
LTVRatioPercent
R
292
Phase 2-7
TotalMonthlyProposedHousingExpenseAmount
R
311
Phase 2-7
PriceLockDatetime
R
318
Phase 2-7
MortgageTypeOtherDescription
327
Phase 2-7
AutomatedUnderwritingSystemTypeOtherDescription
CR
332.1
Phase 2-7
AdjustmentRuleType
CR
332.2
Phase 2-7
PerChangeRateAdjustmentFrequencyMonthsCount
CR
333
Phase 2-7
LoanAmortizationType
CR
337
Phase 2-7
BalloonIndicator
CR
337.1
Phase 2-7
InitialFixedPeriodEffectiveMonthsCount
CR
348
Phase 2-7
MortgageTypeOtherDescription
385
Phase 2-7
LoanAcquisitionScheduledUPBAmount
© 2016 Fannie Mae. Trademarks of Fannie Mae.
FNM Conditionality
R
R
CR
R
R
CR
O
O
CR
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Sort ID
Appendix D Tab
MISMO Data Point Name
FNM Conditionality
389
Phase 2-7
LoanDefaultLossPartyType
CR
391
Phase 2-7
REOMarketingPartyType
CR
394
Phase 2-7
BalloonResetIndicator
CR
404
Phase 2-7
LoanProgramIdentifier
CR
412
Phase 2-7
MICertificateIdentifier
CR
442
Phase 2-7
UPBAmount
R
473
Phase 2-7
MortgageTypeOtherDescription
O
497
Phase 2-7
LoanAmortizationType
CR
499
Phase 2-7
BalloonIndicator
CR
544
Phase 2-7
FullName
CR
555
Phase 2-7
CountryCode
CR
560
Phase 2-7
StateCode
CR
571
Phase 2-7
BorrowerClassificationType
CR
572
Phase 2-7
BorrowerMailToAddressSameAsPropertyIndicator
CR
582
Phase 2-7
CreditRepositorySourceIndicator
CR
597
Phase 2-7
BorrowerFirstTimeHomebuyerIndicator
CR
614
Phase 2-7
TaxpayerIdentifierValue
CR
627
Phase 2-7
PartyRoleIdentifier
CR
628
Phase 2-7
PartyRoleType
641.1
Phase 2-7
FullName
CR
672
Phase 2-7
PoolInterestRateRoundingType
CR
673
Phase 2-7
PoolInvestorProductPlanIdentifier
CR
R
Phase 1 Revisions: Required Code Change to be made as Soon as Possible
Phase 1 revisions that are labeled in Appendix D as “Required code change to be made as soon as possible” are
changes that can be made as soon as possible to the existing loan delivery XML import file. There are 6 Phase 1 data
points that fall in this category (listed in Table below).
To locate these data points, take the following steps:






From the Phase 2-7 Tab in Appendix D
Apply a filter on the first row header
Go to column B – FNM Data Point Mandate Date
Apply a filter for July 2012 and November 2012
Go to column F – Data Point Change Type
Apply a filter for Code change to be made as soon as possible
Sort ID
Appendix D Tab
MISMO Data Point Name
FNM
Conditionality
R
51
Phase 2-7
ConstructionMethodType
111
Phase 2-7
IndexSourceTypeOtherDescription
CR
208
Phase 2-7
HMDARateSpreadPercent
CR
215
Phase 2-7
InterestCalculationType
R
325
Phase 2-7
AutomatedUnderwritingRecommendationDescription
CR
335
Phase 2-7
InterestCalculationType
CR
© 2016 Fannie Mae. Trademarks of Fannie Mae.
03.01.2016
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The enumeration “Compound” was removed for InterestCalculationType (Sort IDs 215 and 335) in the
new Loan Delivery application If you send Compound in the new Loan Delivery application, the value will be
retained; however, it will not be available in the drop-down option in the user interface.. The business rules
around this change will be rolled out in a phased approach; on December 1, 2015, the edits will be Warning,
allowing additional time to begin using the Phase 2 XML file. As of June 27, 2016, these edits will turn fatal and
the data must be corrected prior to delivery.
NOTE:
Phase 1 Revisions: Code Change to be Made Q2 2016
Phase 1 revisions that are labeled in Appendix D as “Code change to be made Q2 2016” are required code changes that
cannot be made until the ULDD Phase 2 XML file is being used in the new Loan Delivery application. There are 22 Phase
1 data points that fall in this category (listed in Table below).
To locate these data points, take the following steps:






From the Phase 2-7 Tab in Appendix D
Apply a filter on the first row header
Go to column B – FNM Data Point Mandate Date
Apply a filter for July 2012 and November 2012
Go to column F – Data Point Change Type
Apply a filter for Code change to be made 2Q 2016
Sort ID
2
43
44
77
78
Appendix D Tab
Phase 2-7
Phase 2-7
Phase 2-7
Phase 2-7
Phase 2-7
89
90
368
414
510
Phase 2-7
Phase 2-7
Phase 2-7
Phase 2-7
Phase 2-7
Phase 2-7
PropertyValuationMethodType
PropertyValuationMethodTypeOtherDescription
InvestorFeatureIdentifier
MICompanyNameTypeOtherDescription
LoanRoleType
R
CR
CR
CR
CR
CurrentHELOCMaximumBalanceAmount
CR
Phase 2-7
Phase 2-7
Phase 2-7
Phase 2-7
Phase 2-7
Phase 2-7
HELOCBalanceAmount
HELOCIndicator
LoanStateDate
LoanStateType
CR
CR
CR
CR
Phase 2-7
UPBAmount
LienPriorityType
MortgageType
AppraiserLicenseIdentifier
PartyRoleType
AppraiserLicenseIdentifier
CR
CR
CR
CR
CR
CR
Phase 2-7
PartyRoleType
CR
511
512
513
514
515
516
517
519
525
528
534
537
Phase 2-7
Phase 2-7
Phase 2-7
MISMO Data Point Name
AboutVersionIdentifier
ProjectDesignType
ProjectDesignTypeOtherDescription
BedroomCount
PropertyDwellingUnitEligibleRentAmount
FNM Conditionality
R
CR
CR
CR
CR
These data points require changes to:




Format
Conditionality
New Enumerations
Cardinality
© 2016 Fannie Mae. Trademarks of Fannie Mae.
03.01.2016
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Data Points with a Cardinality Change:
Sort ID
MISMO Data Point
Change
(SFCs) is increasing from 6 allowable values to 10
allowable values
Borrower is increasing from 2 allowable containers
to 4 allowable containers
Related Loan is increasing from 1 allowable
container to 3 allowable containers.
Row number in Appendix D
(Cardinality Tab)
368
InvestorFeatureIdentifier
357
611
Party Role Type
496
Loan Role Type
600
Employment Borrower Self
Employed Indicator
Container will be limited to one occurrence.
602
N/A
DEAL
The number of DEALS has been updated. The
maximum number has been updated to 10,000.
Previously there was no maximum.
18
544
499
Sort IDs Impacted by Expansion of a 3rd and 4th Borrower:
Sort ID
540
541
542
543
544
545
546
548
549
554
555
557
560
567
568
571
572
573
576
577
578
579
580
582
583
590
596
597
MISMO Data Point
FirstName
LastName
MiddleName
SuffixName
FullName
LegalEntityType
LegalEntityTypeOtherDescription
AddressLineText
AddressType
CityName
CountryCode
PostalCode
StateCode
BorrowerAgeAtApplicationYearsCount
BorrowerBirthDate
BorrowerClassificationType
BorrowerMailToAddressSameAsPropertyIndicator
BorrowerQualifyingIncomeAmount
CounselingConfirmationType
CounselingConfirmationTypeOtherDescription
CounselingFormatType
CounselingFormatTypeOtherDescription
CreditReportIdentifier
CreditRepositorySourceIndicator
CreditRepositorySourceType
CreditScoreValue
BankruptcyIndicator
BorrowerFirstTimeHomebuyerIndicator
© 2016 Fannie Mae. Trademarks of Fannie Mae.
03.01.2016
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Sort ID
598
599
600
608
609
610
611
613
614
MISMO Data Point
CitizenshipResidencyType
LoanForeclosureOrJudgmentIndicator
EmploymentBorrowerSelfEmployedIndicator
GenderType
HMDAEthnicityType
HMDARaceType
PartyRoleType
TaxpayerIdentifierType
TaxpayerIdentifierValue
File Validation Updates:
The following file validations and business rules/edits are being updated for ULDD Phase 2. These edits are being put in
place to ensure the Phase 2 XML files are properly structured for import in the new Loan Delivery application.
The following file validation (WN1146) currently allows a commitment to import when there is the existence of a pool
container in the XML file, even though the XML being imported is a Whole Loan. This file validation will turn Fatal
(ER1146) on June 27, 2016. Note that if the XML file contains a pool container and the lender has indicated that the file is
a Whole Loan, the commitment will be rejected and the commitment will not import.
Edit
Severity
Error Message
WN1146
Warning
Whole Loan delivery was requested and the imported file contains Pool information. The file is being
processed as a Whole Loan delivery and this Pool information is being ignored.
ER1146
Fatal
The file was not processed because Whole Loan delivery was selected and one or more DEAL_SETs in
the file have Pool information. If the intention is a Whole Loan delivery, please select a valid Whole Loan
file and re-import. If the intention is an MBS delivery, please select MBS and re-import
The following file validations will reject the Whole Loan XML file if it contains a Contract Number (Sort ID 400). The file
validation is Warning (WN3121) and switching to Fatal (ER3120) on June 27, 2016, allowing lenders additional time to
transition to the Phase 2 XML file and new edits.
Edit
Severity
Error Message
WN3121
Warning
Commitment number not allowed on an MBS delivery.
ER3120
Fatal
Commitment number not allowed on an MBS delivery.
The following is a new file validation that will reject a Pool if it contains a Commitment Number (Sort ID 399). The file
validation is Warning (WN3126) and will be switching to Fatal (ER3125) on June 27, 2016.
Edit
Severity
Error Message
WN3126
Warning
Contract number not allowed on a Whole Loan delivery
ER3125
Fatal
Contract number not allowed on a Whole Loan delivery
The following is a new file validation for the field, Employment Borrower Self Employed Indicator (Sort ID 600). This data
point features a cardinality change and is restricted to only one occurrence. The file validation is Warning (WN3201) and
switching to Fatal (ER3210) on June 27, allowing lenders time to transition to sending a single occurrence.
© 2016 Fannie Mae. Trademarks of Fannie Mae.
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Edit
Severity
Error Message
WN3201
Warning
More than one <XPATH/Container> was found within <parent container>. Only the first was accepted, all
others were not imported.
ER3210
Fatal
DEAL was not processed because <XPATH/Container> cannot have more than one occurrence within
<parent container> container. Correct the data and re-import.
Special Feature Code Updates:
The following updates are being made to Special Feature Codes (SFCs) for ULDD Phase 2. Business rules are being put
in place to ensure the data is delivered according the Phase 2 requirements in the new Loan Delivery application.
Old SFC
NEW SFC
Type
SFC 357
SFC 801
Cash and
MBS
SFC 127
In August 2014, DU announced the retirement of SFC 214. DU loans,
regardless of the party submitting the loan to DU, should be identified with
Cash and
Seller Acquired SFC 127. When using new Loan Delivery, your Phase 2 import XML files
MBS
after Evaluation should contain SFC 127 in place of SFC 214, to be consistent with DU.
(DU loans)
Refer to the Selling Guide Announcement (SEL-2014-06) and the DO/DU
Release Notes for DU Version 9.1 August Update for details.
SFC 214
Description
Property
Inspection
Waiver
Important Details about this Update
In March 213, Fannie Mae announced that SFC 357 should no longer be
used; rather lenders should use SFC 801 (Level 1 Property Inspection
Waiver). Refer to the Property Inspection Waiver Release Notes for details.
Usage of Default Zero Values in Your ULDD XML File:
When preparing the XML import file for ULDD Phase 2, it is important to only send data related to the loan transaction.
Work with your technology team or solution provider to ensure that only relevant data points are populated in your file and
that no values default to zero. If the data point does not apply, it should not be populated in the XML file.

Example: If the ULDD XML file contains an Adjustable Rate Mortgage (ARM) data field with a default zero
value on a Fixed Rate loan transaction, the Loan Delivery application will treat these as “zero” values and will
use it in processing. Therefore, lenders must ensure that default zeros are not being transmitted so that the
transaction can complete successfully.
Additional Data Reminders:
When delivering “Postal Code” (Sort IDs 16 and 557), be sure to submit the data exactly how it is recorded on the Note.
The Postal Code should not contain dashes; it can be either 5 or 9 digits; however, only the leading 5 digits are used.
© 2016 Fannie Mae. Trademarks of Fannie Mae.
03.01.2016
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