Fannie Mae
Implementation Guide for Loan Delivery Data
Appendix A: Fannie Mae XML Data Requirements
ULDD Phase 2
Document Version 2.0.3
September 23, 2014
© 2014 Fannie Mae. Trademarks of respective owners.
MISMO is a registered trademark of the Mortgage Industry Standards Maintenance Organization. MERS is a registered trademark of
MERSCORP, Inc. Desktop Underwriter and DU are registered trademarks of Fannie Mae. Condo Project Manager and CPM are
trademarks of Fannie Mae.
Read Me
Need
to Update
Purpose: This Fannie Mae XML Data Requirements Reference (Appendix D) can be used to enable an easy merge
between the Fannie Mae Implementation Guide for Loan Delivery Data and the Freddie Mac version of the same
document and contains much of the same information as previously published versions. Lenders and vendors should be
able to cut and paste changes and updates into their existing working versions of these documents that were created
from previously published materials. Using the Sort ID column can assist customers in reconciling the changes they
make.
Lenders and vendors should have completed working on ULDD Phase 2 in support of the August 25, 2014 mandate for
all deliveries to Freddie Mac. While the Fannie Mae ULDD Phase 2 mandate is targeted for late second quarter 2016, the
Application Received Date for collecting the new ULDD Phase 2 data points will remain March 1, 2014.
Lenders and vendors should not implement all of the ULDD Phase 1 revisions until instructed by Fannie Mae. The Loan
Delivery application will not be able to accommodate format and schema changes until the update in Q1 2016. For ease
of implementation, the ULDD Phase 2 Implementation Guide: Appendix D has been updated to include a new column
which provides additional clarification on which Phase 1 data points lenders and vendors cannot update prior to Q1 2016.
ULDD Phase 2 contains the following:
4 new data points will be Required (R)
12 new Conditionally Required (CR) data points
1 new Conditionally Independent (CI) data point - Optional (O) for Fannie Mae
78 ULDD Phase 1 data point revisions
The list of the final 17 new data points included in ULDD Phase 2 is provided below:
Sort ID
MISMO Data Point Name
ULDDS
Conditionality
FNM
Conditionality
33
85
147
148
149
150
194
244
251
287
293
312
580
591.1
596
599
600
ManufacturedHomeWidthType
PropertyValuationFormType
BuydownChangeFrequencyMonthsCount
BuydownDurationMonthsCount
BuydownIncreaseRatePercent
BuydownInitialDiscountPercent
BorrowerPaidDiscountPointsTotalAmount
TotalMortgagedPropertiesCount
LoanLevelCreditScoreValue
BorrowerReservesMonthlyPaymentCount
RefinanceCashOutAmount
DisclosedIndexRatePercent
CreditReportIdentifier
CreditScoreProviderName
BankruptcyIndicator
LoanForeclosureOrJudgmentIndicator
EmploymentBorrowerSelfEmployedIndicator
CR
CR
CR
CR
CR
CR
CR
R
CR
R
CR
CR
CR
CI
CR
CR
CR
CR
CR
CR
CR
CR
CR
R
R
R
R
CR
CR
CR
O
CR
CR
CR
The following additional changes will provide better GSE alignment:
Fannie Mae is increasing the number of borrowers from two to four
Fannie Mae is increasing the number of Special Feature Codes (SFCs) from six to 10
Arch MI is being added as a new enumeration while keeping CMG active until the end of 2016.
Note that these changes will not go into effect until Fannie Mae has implemented the changes in Loan Delivery.
Additional guidance will be available as we move closer to the 2Q 2016 mandate.
If the additional guidance/changes to the 78 ULDD Phase 1 data points impact your current processes or systems then
you should implement the appropriate changes in your system as soon as possible, but no later than the Fannie Mae
implementation of Phase 2. Per our normal practice, all changes to data points are summarized in the Revision History
tab. Also note that Phase 1 and Phase 1b have been moved to an archive workbook located on the ULDD home page.
Appendix D - Fannie Mae XML Data Reference
Read Me-2
Page 2 of 114
ULDD Phase 2
Document Version 2.0.3
Document Version and Revision History
Date
December 13, 2012
March 26, 2013
October 29, 2013
September 23, 2014
Version #
2.0.0
2.0.1
2.0.2
2.0.3
Description
Superceded by version 2.0.3
Superceded by version 2.0.3
Superceded by version 2.0.3
ULDDS Updates:
1) Added New data points
2) Updated ULDDS Conditionality for existing data points
3) Updated FNM Conditionality for existing data points
4) Updated Conditionality Details for existing data points
5) Updated FNM Implementation Notes for existing data points
6) Updated FNM Enumerations for existing data points
7) Updated FNM Format for existing data points
1. Added New data points:
Sort ID 33 - ManufacturedHomeWidthType
Sort ID 85 - PropertyValuationFormType
Sort ID 147 - BuydownChangeFrequencyMonthsCount
Sort ID 148 - BuydownDurationMonthsCount
Sort ID 149 - BuydownIncreaseRatePercent
Sort ID 150 - BuydownInitialDiscountPercent
Sort ID 194 - BorrowerPaidDiscountPointsTotalAmount
Sort ID 244 - TotalMortgagedPropertiesCount
Sort ID 251 - LoanLevelCreditScoreValue
Sort ID 287 - BorrowerReservesMonthlyPaymentCount
Sort ID 293 - RefinanceCashOutAmount
Sort ID 312 - DisclosedIndexRatePercent
Sort ID 580 - CreditReportIdentifier
Sort ID 591.1 - CreditScoreProviderName
Sort ID 596 - BankruptcyIndicator
Sort ID 599 - LoanForeclosureOrJudgmentIndicator
Sort ID 600 - EmploymentBorrowerSelfEmployedIndicator
Appendix D - Fannie Mae XML Data Reference
Revision History-3
Page 3 of 114
ULDD Phase 2
Document Version 2.0.3
Document Version and Revision History
Date
Version #
Description
2. Updated the ULDDS Conditionality for data points:
Sort ID 77 - BedroomCount = changed ULDD Conditionality from CI to CR
Sort ID 78 - PropertyDwellingUnitEligibleRentAmount = changed ULDD Conditionality from CI to CR
Sort ID 118 - InterestRateRoundingType = changed ULDD Conditionality from CI to CR
Sort ID 126 - AdjustmentRuleType = changed ULDD Conditionality from CR to CI
Sort ID 131 - PerChangePrincipalAndInterestPaymentAdjustmentPercent = changed ULDD Conditionality from CR to CI
Sort ID 218 - InterestOnlyEndDate = changed ULDD Conditionality from CI to CR
Sort ID 318 - MortgageTypeOtherDescription = changed ULDD Conditionality from O to CI
Sort ID 332.1 - AdjustmentRuleType = changed ULDD Conditionality from CI to CR
Sort ID 332.2 - PerChangeRateAdjustmentFrequencyMonthsCount = changed ULDD Conditionality from CI to CR
Sort ID 337.1 - InitialFixedPeriodEffectiveMonthsCount = changed ULDD Conditionality from CI to CR
Sort ID 348 - MortgageTypeOtherDescription = changed ULDD Conditionality from CR to O
Sort ID 442 - UPBAmount = changed ULDD Conditionality from CI to R
Sort ID 473 - MortgageTypeOtherDescription = changed ULDD Conditionality from CI to O
Sort ID 510 - LoanRoleType = changed ULDD Conditionality from CI to CR
Sort ID 511 - CurrentHELOCMaximumBalanceAmount = changed ULDD Conditionality from CI to CR
Sort ID 512 - HELOCBalanceAmount = changed ULDD Conditionality from CI to CR
Sort ID 513 - HELOCIndicator = changed ULDD Conditionality from CI to CR
Sort ID 514 - LoanStateDate = changed ULDD Conditionality from CI to CR
Sort ID 515 - LoanStateType = changed ULDD Conditionality from CI to CR
Sort ID 516 - UPBAmount = changed ULDD Conditionality from CI to CR
Sort ID 517 - LienPriorityType = changed ULDD Conditionality from CI to CR
Sort ID 519 - MortgageType = changed ULDD Conditionality from CI to CR
Sort ID 628 - PartyRoleType = changed ULDD Conditionality from CR to R
3. Updated the FNM Conditionality for data points:
Sort ID 208 - HMDARateSpreadPercent = changed FNM Conditionality from R to CR
Sort ID 318 - MortgageTypeOtherDescription = changed FNM Conditionality from CR to O
Sort ID 348 - MortgageTypeOtherDescription = changed FNM Conditionality from CR to O
Sort ID 628 - PartyRoleType = changed FNM Conditionality from CR to R
Appendix D - Fannie Mae XML Data Reference
Revision History-3
Page 4 of 114
ULDD Phase 2
Document Version 2.0.3
Document Version and Revision History
Date
Version #
Description
4. Updated the Conditionality Details for existing data points:
Sort ID 43 - ProjectDesignType
Sort ID 77 - BedroomCount
Sort ID 78 - PropertyDwellingUnitEligibleRentAmount
Sort ID 92 - HomeEquityCombinedLTVRatioPercent
Sort ID 208 - HMDARateSpreadPercent
Sort ID 318 - MortgageTypeOtherDescription
Sort ID 348 - MortgageTypeOtherDescription
Sort ID 510 - LoanRoleType
Sort ID 511 - CurrentHELOCMaximumBalanceAmount
Sort ID 512 - HELOCBalanceAmount
Sort ID 513 - HELOCIndicator
Sort ID 514 - LoanStateDate
Sort ID 515 - LoanStateType
Sort ID 516 - UPBAmount
Sort ID 517 - LienPriorityType
Sort ID 519 - MortgageType
Sort ID 525 - AppraiserLicenseIdentifier
Sort ID 537 - PartyRoleType
Sort ID 572 - BorrowerMailToAddressSameAsPropertyIndicator
Sort ID 628 - PartyRoleType
Sort ID 672 - PoolInterestRateRoundingType
Sort ID 673 - PoolInvestorProductPlanIdentifier
Appendix D - Fannie Mae XML Data Reference
Revision History-3
Page 5 of 114
ULDD Phase 2
Document Version 2.0.3
Document Version and Revision History
Date
Version #
Description
5. Updated the FNM Implementation Notes for data points:
Sort ID 2 - AboutVersionIdentifier
Sort ID 41 - ProjectAttachmentType
Sort ID 43 - ProjectDesignType
Sort ID 51 - ConstructionMethodType
Sort ID 77 - BedroomCount
Sort ID 89 - PropertyValuationMethodType
Sort ID 92 - HomeEquityCombinedLTVRatioPercent
Sort ID 111 - IndexSourceTypeOtherDescription
Sort ID 121 - PerChangeMaximumDecreaseRatePercent
Sort ID 122 - PerChangeMaximumIncreaseRatePercent
Sort ID 123 - PerChangeRateAdjustmentEffectiveDate
Sort ID 124 - PerChangeRateAdjustmentFrequencyMonthsCount
Sort ID 138 - LoanAmortizationType
Sort ID 195 - PurchasePriceAmount
Sort ID 208 - HMDARateSpreadPercent
Sort ID 215 - InterestCalculationType
Sort ID 218 - InterestOnlyEndDate
Sort ID 221 - RelatedInvestorLoanIdentifier
Sort ID 222 - RelatedLoanInvestorType
Sort ID 226 - BalloonIndicator
Sort ID 236 - InitialFixedPeriodEffectiveMonthsCount
Sort ID 255 - LTVRatioPercent
Sort ID 292 - TotalMonthlyProposedHousingExpenseAmount
Sort ID 311 - PriceLockDatetime
Sort ID 333 - LoanAmortizationType
Sort ID 337 - BalloonIndicator
Sort ID 368 - InvestorFeatureIdentifier
Sort ID 385 - LoanAcquisitionScheduledUPBAmount
Sort ID 389 - LoanDefaultLossPartyType
Sort ID 391 - REOMarketingPartyType
Sort ID 404 - LoanProgramIdentifier
Sort ID 412 - MICertificateIdentifier
Sort ID 497 - LoanAmortizationType
Sort ID 499 - BalloonIndicator
Appendix D - Fannie Mae XML Data Reference
Revision History-3
Page 6 of 114
ULDD Phase 2
Document Version 2.0.3
Document Version and Revision History
Date
Version #
Description
6. Updated the FNM Enumerations for data points:
Sort ID 2 - AboutVersionIdentifier
Sort ID 43 - ProjectDesignType
Sort ID 51 - ConstructionMethodType
Sort ID 89 - PropertyValuationMethodType
Sort ID 111 - IndexSourceTypeOtherDescription
Sort ID 215 - InterestCalculationType
Sort ID 325 - AutomatedUnderwritingRecommendationDescription
Sort ID 327 - AutomatedUnderwritingSystemTypeOtherDescription
Sort ID 335 - InterestCalculationType
Sort ID 414 - MICompanyNameTypeOtherDescription
Sort ID 517 - LienPriorityType
Appendix D - Fannie Mae XML Data Reference
Revision History-3
Page 7 of 114
ULDD Phase 2
Document Version 2.0.3
Document Version and Revision History
Date
Version #
Description
7. Updated FNM Format for data points:
Sort ID 82 - AppraisalIdentifier = changed FNM Format to indicate that String 10 is now the standard
Sort ID 325 - AutomatedUnderwritingRecommendationDescription = changed FNM Format from String 50 to Enumerated
Sort ID 525 - AppraiserLicenseIdentifier = changed FNM Format from String 21 to String 50
Sort ID 534 - AppraiserLicenseIdentifier = changed FNM Format from String 21 to String 50
Appendix D - Fannie Mae XML Data Reference
Revision History-3
Page 8 of 114
ULDD Phase 2
Document Version 2.0.3
Tab Name
Tab Description
Front Cover - 1 This tab lists Fannie Mae's Appendix D: Fannie Mae XML Data Reference document version number and version publication date.
ReadMe - 2 This tab highlights important information and changes that are introduced with the new Fannie Mae ULDD specification.
This tab documents the changes that were introduced with each Fannie Mae ULDD specification release. It includes the document release date, version number, and
description of the changes.
Tab Description - 4 This tab describes each tab found in the Fannie Mae's Appendix D: Fannie Mae XML Data Reference document.
Revision History - 3
Column Description - 5 This tab describes the column names and description of each column in the current Fannie Mae ULDD specification.
Complete ULDD - 6
This tab contains the complete list of Required (R), Conditionally Required (CR) , and Conditionally Independent (CI) data points in the ULDDS specification and
represents the Fannie Mae Conditionality, Conditionality Details, Implementation Notes, Enumerations, and Format effective with this release.
This tab contains the Phase 2 list of Required (R), Conditionally Required (CR) , and Conditionally Independent (CI) data points that have been added or changed
Phase 2 - 7 effective with the Phase 2 release and represents the Fannie Mae Conditionality, Conditionality Details, Implementation Notes, Enumerations, and Format effective with
this release.
Enumerations - 8 This tab contains the complete list of enumerations for each data point in the Fannie Mae ULDD specification.
Cardinality - 9 This tab contains the Fannie Mae Cardinality for each data point in the complete ULDD specification.
Appendix D - Fannie Mae XML Data Reference
Tab Description-4
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ULDD Phase 2
Document Version 2.0.3
Column Name
Column Description
Sort ID
This column lists the unique number assigned to the MISMO data point, which provides the ability to sort and display the data in the original order.
FNM Data Point Mandate Date
This column lists the Fannie Mae mandate date for the data point. The mandate date is the date on which the data point is required to be delivered for all loans.
FNM Revision Effective Date
This column lists the Fannie Mae effective date for the data point revision.
This column contains a description of whether the data point is new to the Fannie Mae ULDD specification, or if it is an existing data point that requires an update
and which column or columns contain the change.
This column lists data points by the type of implementation work required (e.g. implement a new data point or revise an existing data point.)
This column lists data points by more specific type of implementation work required related to whether it is labeled as 'new' or as a 'revision' in the 'Data Point
New / Revision' column.
This column lists the XPath used to navigate through the XML document to the corresponding MISMO data point.
This column lists the parent container name of the corresponding MISMO data point.
This column lists the MISMO term name for a corresponding data element or attribute.
This column lists the MISMO definition for the corresponding data point.
This column only applies to MISMO data points in the LOAN container and lists the following Loan Role Type values:
• SubjectLoan
• RelatedLoan
The cell is blank when the data point is not in the LOAN container.
This column only applies to MISMO data points in the LOAN container and lists the following Loan State Type values:
• AtClosing (Non-Mods) OR AtModification
• AtClosing (Non-Mods)
• AtClosing (Mods)
• AtConversion
• AtReset
• Current
The cell is blank when the data point is not in the LOAN container.
This column only applies to MISMO data points in the PARTY container and lists the following Party Role Type values:
• Appraiser
• AppraiserSupervisor
• Borrower
• DocumentCustodian
• LoanDeliveryFilePreparer
• LoanOriginationCompany
• LoanOriginator
• LoanSeller
• NotePayTo
• Payee
• Servicer
The cell is blank when the data point is not in the PARTY container.
Change Description
Data Point New / Revision
Data Point Change Type
XPath
Parent Container
MISMO Data Point Name
MISMO Definition
Loan Role Type
Loan State Type
Party Role Type
Appendix D - Fannie Mae XML Data Reference
Column Description-5
Page 10 of 114
ULDD Phase 2
Document Version 2.0.3
Column Name
Column Description
ULDDS Conditionality
This column lists the GSE conditionality of the corresponding MISMO data point as defined in the ULDDS. The conditionality column lists contains one of four
indicators:
• Required (R): The corresponding data point must be included in the loan delivery XML file on all loan delivery transactions.
• Conditionally Required (CR): The corresponding data point must be included in the loan delivery XML file on all loan delivery transactions when a defined
business condition exists. These conditions are consistent for each of the GSEs’ loan delivery applications.
• Conditionally Independent (CI): The corresponding data point must be included in the loan delivery XML file on all loan delivery transactions when a defined
business condition exists. These conditions are NOT consistent for both of the GSEs’ loan delivery applications. Refer to the GSE’s Conditionality column to
determine the appropriate usage of the data point.
• Optional (O): The corresponding data point is listed in anticipation of future use. Incorporating these data points as part of system interfaces and processes is
optional at this time.
FNM Conditionality
This column lists the Fannie Mae conditionality of the corresponding MISMO data point. The column lists one of three indicators:
• Required (R): The corresponding data point must be included in the loan delivery XML file on all loan delivery transactions.
• Conditionally Required (CR): The corresponding data point must be included in the loan delivery XML file on all loan delivery transactions when a defined
business condition exists. These conditions are consistent for each of the GSEs’ loan delivery applications. The conditionally required parameters are provided as
well.
• Optional (O): The corresponding data point is listed in anticipation of future use. Incorporating these data points as part of system interfaces and processes is
optional at this time.
FNM Conditionality Details
FNM Implementation Notes
ULDDS Format
FNM Supported Enumerations
FNM Format
This column provides the criteria for the Fannie Mae conditionality of the corresponding MISMO data point.
This column provides additional instruction or clarification for supporting the corresponding MISMO data point.
This column lists the data format types supported by the ULDD:
• Amount
• Boolean
• Date
• Datetime
• Day
• Enumerated
• Numeric
• Percent
• String
Refer to the Fannie Mae Implementation Guide for Loan Delivery Data for additional information about the supported data value formats.
This column only applies to MISMO data points with enumerated indicator and lists the Fannie Mae–supported MISMO enumerations (allowable values) for the
corresponding MISMO data point. The cell is blank when the MISMO data point does not have associated valid values.
This column identifies a number of data points where Fannie Mae has a different format length restriction compared to the format length specified in the ULDDs
Format column. An asterisk (*) indicates there is a difference.
Appendix D - Fannie Mae XML Data Reference
Column Description-5
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ULDD Phase 2
Document Version 2.0.3
2
7/23/2012
2Q-2016
3
7/23/2012
7/23/2012
10
7/23/2012
7/23/2012
N/A
FNM
Implementation
Notes
Enumeration
Change
N/A
N/A
N/A
Revision
N/A
XPath
Parent
Container
MESSAGEMESSAGE
MISMO Data Point Name
MISMOReferenceModelIdentifier
Code change
ABOUT_VE
to be made MESSAGE/ABOUT_VERSIONS/ABOUT_VERSION
AboutVersionIdentifier
RSION
2Q-2016
N/A
N/A
N/A
N/A
ABOUT_VE
MESSAGE/ABOUT_VERSIONS/ABOUT_VERSION
CreatedDatetime
RSION
MISMO Definition
The MISMO Reference Model Identifier
is a unique value that represents the
version of the MISMO reference model to
which the containing XML instance
document complies. For detailed
information, please see MISMO
Engineering Guide 006 – "Versioning and
Release Schedule", at
http://wiki.mismo.org/MISMO.Wiki/Wiki.
jsp?page=Meg0006.
N/A
N/A
N/A
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
7/23/2012
Change
Description
(Columns
Updated)
Loan State Type
7/23/2012
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
1
FNM Data
Point
Mandate
Date
R
FNM Conditionality Details
FNM Implementation Notes
R Required for all files
MISMOReferenceModelIdentifier is an attribute on
MESSAGE container.
"3.0.0.263.12" at initial release.
ULDDS
Format
String 20
A unique value that represents a user
defined version identifier.
N/A
N/A
N/A
R
R Required for all files
First 2 digits of the version of the Fannie Mae
Implementation Guide associated with this submission.
String 10
The value for this release is "FNM 2.0". Supply only one
ABOUT_VERSION container.
The date and time at which the message,
deal or document was created.
N/A
N/A
N/A
R
R Required for all files
YYYY-MMThe date and time the import file is delivered to the GSE.
DDThh:mm:s
(Not applicable for loan delivery system data entry.)
s
The address with the address number, predirectional, street name, post-directional,
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/ADDRESS
ADDRESS
AddressLineText
N/A
N/A N/A
address unit designators, and address unit
value.
R
R Required for all loans
The Subject Property address populated in the loan
delivery XML file must accurately reflect the subject
property address (including unit, if applicable)
documented on the Note associated with the specified
mortgage loan.
FNM
Format
FNM Supported Enumerations
3.0.0.263.12
String 20
FNM 2.0
FNM 1.0
String 10
YYYY-MMDDThh:mm:s
s
String 100
String 100
If parsed address fields are used, this field is still required.
14
7/23/2012
7/23/2012
N/A
N/A
N/A
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/ADDRESS
ADDRESS
CityName
The name of the city.
N/A
N/A N/A
R
R Required for all loans
16
7/23/2012
7/23/2012
N/A
N/A
N/A
The postal code (ZIP Code in the US) for
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/ADDRESS
ADDRESS
PostalCode
the address. ZIP Code may be either 5 or 9 N/A
N/A N/A
digits.
R
R Required for all loans
18
7/23/2012
7/23/2012
N/A
N/A
N/A
The two-character representation of the
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/ADDRESS
ADDRESS
StateCode
US state, US Territory, Canadian
N/A
N/A N/A
Province, Military APO FPO, or Territory.
R
R Required for all loans
24
7/23/2012
7/23/2012
N/A
N/A
N/A
FLOOD_DET
When true, indicates if any portion of the
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/FLOOD_DETERMINATION/FLOOD_DETERMINATION_DETAIL
ERMINATIO SpecialFloodHazardAreaIndicator
building/mobile home is in an identified
N/A
N/A N/A R
R Required for all loans
N_DETAIL
Special Flood Hazard Area (SFHA).
33
38
2Q-2016
7/23/2012
2Q-2016
7/23/2012
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Implementation
Notes
N/A
New
Code change
MANUFACT
to be made
Specifies the common size (width)
IF Sort ID 51-ConstructionMethodType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/MANUFACTURED_HOME/MANUFACTURED_HOME_DETAIL
URED_HOM ManufacturedHomeWidthType
N/A
N/A N/A CR CR
as soon as
designation of a manufactured home.
"Manufactured"
E_DETAIL
possible
N/A
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
N/A
The city name submitted should exactly match how it is
String 50
recorded on the note
The PostalCode submitted should exactly match how it is
recorded on the note.
The PostalCode can be either 5 or 9 digits. Do not
include dashes. Only the leading 5 digits will be used at
this time.
Use USPS list of two-character codes
Enter the width of the manufactured home.
IF Sort ID 39FNMCondominiumProjectManagerProjectId
PROJECT_D
Specifies the current state of the
Only provide if Condo Project Manager (CPM) system
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROJECT/PROJECT_DETAIL
CondominiumProjectStatusType
N/A
N/A N/A CR CR entifier does not exist AND Sort ID 47ETAIL
condominium project.
was not used for this loan.
ProjectLegalStructureType =
"Condominium"
Page 12 of 114
String 50
String 9
String 9
String 2
String 2
Boolean
false
true
Boolean
Enumerated
MultiWide
SingleWide
Enumerated
Enumerated
Established
New
Enumerated
ULDD Phase 2
Document Version 2.0.3
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
Numeric data only.
39
41
7/23/2012
7/23/2012
7/23/2012
2Q-2016
N/A
FNM
Implementation
Notes
N/A
Revision
N/A
The unique identifier of a property
development project to which individual
PROJECT_D FNMCondominiumProjectManagerPr
IF Sort ID 47-ProjectLegalStructureType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROJECT/PROJECT_DETAIL
properties belong, assigned by the Fannie
N/A
N/A N/A CI CR
ETAIL
ojectIdentifier
"Condominium" AND IF applies
Mae’s Condo Project Manager (CPM)
system.
Documentati
on change to
IF Sort ID 39be made as
Specifies the type of physical attachment,
FNMCondominiumProjectManagerProjectId
soon as
PROJECT_D
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROJECT/PROJECT_DETAIL
ProjectAttachmentType
if any, between the dwelling units in the
N/A
N/A N/A CR CR entifier does not exist AND Sort ID 47possible ETAIL
project.
ProjectLegalStructureType =
validate for
"Condominium"
potential
code change
Only provide if Fannie Mae's Condo Project Manager
(CPM) system was used to certify a condominium project
Numeric 10
review. If CPM is used, the CPM ID must be delivered. If
CPM is not used, then the other data fields are required.
Data points within this container refer to the
condominium project, not the individual subject property.
Only provide if Fannie Mae’s Condo Project Manager
(CPM) system was not used for this loan. If project
contains a mix of attached and detached then specify the
predominant type. If ProjectAttachmentType (Sort ID 41)
cannot be determined, then use the same attachment type
as the Unit. If the unit is SemiDetached provide Attached.
The difference between ProjectAttachmentType (Sort ID Enumerated
41) and AttachmentType (Sort ID 50) is that (Sort ID 41)
is used to describe how the units of the project are
attached to each other within one building. For Subject
Properties in projects, AttachmentType (Sort ID 50) is
used to describe the attachment, between the dwelling
unit (Subject Property) and the adjacent dwelling units.
Detached Cooperatives are not eligible.
Identifies the type of project review.
42
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7/23/2012
N/A
N/A
N/A
Identifies the type of project or
PROJECT_D
IF Sort ID 317-MortgageType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROJECT/PROJECT_DETAIL
ProjectClassificationIdentifier
condominium classification for the subject N/A
N/A N/A CR CR
ETAIL
"Conventional"
property and its associated review.
Numeric 10
Specify "G" if the property is in a subdivision or is not
part of an organized development.
Enumerated
The definitions for: E, F, G, P, Q, R, S, T, U, V, 1, and 2
can be found in the Field Definitions for 2000-Character
Loan Delivery File Format document.
Attached
Detached
Enumerated
E
F
G
P
Q
R
S
T
U
V
1
2
Enumerated
GardenProject
HighriseProject
MidriseProject
Other
TownhouseRowhouse
Enumerated
The Fannie Mae supported enumerations and definitions
for ProjectDesignType are:
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FNM
Conditionality
Details
FNM
Implementation
Notes
Enumeration
Change
Revision
- GardenProject: 1 to 3 stories
- MidriseProject: 4 to 7 stories
IF Sort ID 39- HighriseProject: 8+ Stories
FNMCondominiumProjectManagerProjectId - TownhouseRowhouse: One in a row of identical houses
entifier does not exist AND IF Sort ID 47or having a common wall; attached to another unit via
Code change
PROJECT_D
This field specifies the type of design for
ProjectLegalStructureType =
common wall (e.g., a brownstone).
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROJECT/PROJECT_DETAIL
ProjectDesignType
N/A
N/A N/A CR CR
Enumerated
ETAIL
the multiple-unit buildings in a project.
"Condominium" AND Sort ID 412Q-2016
ProjectAttachmentType = "Attached" OR IF All floors above ground are included in the number of
Sort ID 47-ProjectLegalStructureType =
stories, Any half basements used for residential purposes
"Cooperative"
are counted as a floor.
If project is classified as Lowrise, specify "GardenProject"
This data point will not be required when Sort ID 89PropertyValuationMethodType is "None"
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
Page 13 of 114
ULDD Phase 2
Document Version 2.0.3
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46
47
48
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7/23/2012
N/A
N/A
N/A
ULDDS Format
N/A
Revision
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality Details
Code change
A free-form text field used to describe the
PROJECT_D
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROJECT/PROJECT_DETAIL
ProjectDesignTypeOtherDescription design if Other is selected as the Project
N/A
N/A N/A CR CR IF Sort ID 43-ProjectDesignType = "Other"
ETAIL
2Q-2016
Design Type.
N/A
N/A
N/A
N/A
N/A
Revision
XPath
ULDDS
Conditionality
FNM
Conditionality
2Q-2016
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
Enumeration
Change
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
44
FNM Data
Point
Mandate
Date
N/A
IF Sort ID 39FNMCondominiumProjectManagerProjectId
entifier does not exist AND IF Sort ID 47PROJECT_D
Total number of individual dwelling units
ProjectLegalStructureType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROJECT/PROJECT_DETAIL
ProjectDwellingUnitCount
N/A
N/A N/A CR CR
ETAIL
in the project.
"Condominium" AND Sort ID 41ProjectAttachmentType = "Attached" OR IF
Sort ID 47-ProjectLegalStructureType =
"Cooperative"
IF Sort ID 39FNMCondominiumProjectManagerProjectId
entifier does not exist AND IF Sort ID 47The number of units in a building, project,
PROJECT_D
ProjectLegalStructureType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROJECT/PROJECT_DETAIL
ProjectDwellingUnitsSoldCount
or development that have been sold to
N/A
N/A N/A CR CR
ETAIL
"Condominium" AND Sort ID 41date.
ProjectAttachmentType = "Attached" OR IF
Sort ID 47-ProjectLegalStructureType =
"Cooperative"
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
N/A
Enter "OtherSelectedOnValuationDocumentation" if the
appraisal indicates "Other".
Indicates that the project in which the
subject property is located is a Planned
Unit Development (PUD). A PUD is a
PROJECT_D
project or subdivision that consists of
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROJECT/PROJECT_DETAIL
PUDIndicator
N/A
N/A N/A R
R Required for all loans
ETAIL
common property and / or improvements
that are owned and maintained by an
owners’ association for the benefit and use
of the individual unit owners.
Page 14 of 114
ULDDS
Format
Enumerated
FNM
Format
FNM Supported Enumerations
OtherSelectedOnValuationDocumentation Enumerated
Only provide if Fannie Mae’s Condo Project Manager
(CPM) system was not used for this loan.
Numeric 5
Numeric 5
Numeric 5
Numeric 5
This data point will not be required when
PropertyValuationMethodType (Sort ID 89) is "None"
Only provide if Fannie Mae’s Condo Project Manager
(CPM) system was not used for this loan.
This data point will not be required when
PropertyValuationMethodType (Sort ID 89) is "None"
Specifies the form of ownership that
PROJECT_D
defines the quality and quantity of
IF subject property is a condominium OR
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROJECT/PROJECT_DETAIL
ProjectLegalStructureType
N/A
N/A N/A CR CR
ETAIL
ownership and rights to the individual unit
cooperative
owner.
Documentati
on change to
be made as
The name of the project in which subject
soon as
PROJECT_D
IF Sort ID 47-ProjectLegalStructureType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROJECT/PROJECT_DETAIL
ProjectName
property is located (e.g., the name of the
N/A
N/A N/A CR CR
possible ETAIL
"Condominium" OR "Cooperative"
condominium or cooperative).
validate for
potential
code change
N/A
FNM Implementation Notes
Enumerated
ProjectName should be completed with the full
Association/Corporate Legal Name of the project.
Condominium
Cooperative
String 60
Boolean
Enumerated
*String 50
false
true
Boolean
ULDD Phase 2
Document Version 2.0.3
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
For projects, AttachmentType is used to describe how the
buildings in the project are attached to each other. For all
other housing it is used to describe an individual
dwelling.
50
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N/A
FNM
Implementation
Notes
Enumeration
Change
N/A
N/A
Specifies the type of physical attachment,
PROPERTY_
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_DETAIL
AttachmentType
if any, between the dwelling unit and
N/A
N/A N/A R
R Required for all loans
DETAIL
adjacent dwelling units.
Revision
Code change
to be made
PROPERTY_
Describes the construction process for the
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_DETAIL
ConstructionMethodType
N/A
N/A N/A R
R Required for all loans
as soon as
DETAIL
main dwelling unit of the subject property.
possible
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N/A
N/A
N/A
The number of individual family dwelling
PROPERTY_
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_DETAIL
FinancedUnitCount
units being financed in the subject
N/A
N/A N/A R
R Required for all loans
DETAIL
property.
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N/A
N/A
N/A
PROPERTY_
Specifies the ownership interest in the
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_DETAIL
PropertyEstateType
N/A
N/A N/A R
R Required for all loans
DETAIL
property.
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N/A
N/A
N/A
65
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N/A
N/A
N/A
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N/A
N/A
N/A
PROPERTY_
The year in which the structure on the
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_DETAIL
PropertyStructureBuiltYear
N/A
N/A N/A R
R Required for all loans
DETAIL
property was completed.
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N/A
N/A
N/A
PROPERTY_
Specifies the usage intention of the
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_DETAIL
PropertyUsageType
N/A
N/A N/A R
R Required for all loans
DETAIL
borrower for the property.
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ULDDS
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
Revision
As specified by Fannie Mae, the enumeration definitions
are:
Enumerated
- Attached: A dwelling unit that shares a common wall
with two dwelling units on both sides of the subject unit.
- Detached: A dwelling unit that does not have a common
wall with another dwelling unit.
- SemiDetached: An attached dwelling sharing a common
wall with another dwelling unit on one side.
Enter "Manufactured" if the dwelling meets the Glossary
definition for Manufactured Home.
Enter "SiteBuilt" if:
▪ Most of the dwelling’s elements were created at the Enumerated
home’s permanent site, or
▪ The dwelling is modular, panelized, or any other
type of factory-built housing.
Attached
Detached
SemiDetached
Enumerated
Manufactured
SiteBuilt
Enumerated
If property is located on tribal trust land enter
"Leasehold". Leasehold is not limited to tribal trust land. Enumerated
Indicate "Other" if "LifeEstate" is permitted.
1
2
3
4
FeeSimple
Leasehold
Other
Enumerated
LifeEstate
Enumerated
Boolean
false
true
Boolean
Numeric 2
A free-form text field used to collect
PROPERTY_
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_DETAIL
PropertyEstateTypeOtherDescription additional information when "Other" is
N/A
N/A N/A CR CR IF Sort ID 63-PropertyEstateType = "Other"
DETAIL
selected for Property Estate Type.
An indicator denoting whether the
PROPERTY_
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_DETAIL
PropertyFloodInsuranceIndicator
property securing the mortgage has flood
N/A
N/A N/A R
R Required for all loans
DETAIL
insurance.
If this data is not available from property valuation
documents, the borrower’s input is an acceptable source
for the data.
Numeric 2
Enumerated
YYYY
Enumerated
A numeric value indicating the total number of bedrooms
in a one-family property. If the structure is a two, three, or
four-family property, indicate the total number of
bedrooms within each unit of the two, three, or fourfamily structure. The only reasonable values supported
are 0-9. In the case of studios/efficiencies supply "0" for
the number of bedrooms. Because the format is Numeric
1 a value that is greater than nine for BedroomCount is
IF(Sort ID 89-PropertyValuationMethodType
not allowed. In the rare case that there are more than nine
Code change
PROPERTY_
= "FullAppraisal" OR "PriorAppraisalUsed")
The total number of bedrooms in the
bedrooms, supply nine (9).
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_UNITS/PROPERTY_UNIT/PROPERTY_UNIT_DETAIL
UNIT_DETAI BedroomCount
N/A
N/A N/A CR CR AND (Sort ID 69-PropertyUsageType =
Numeric 2
property dwelling unit.
2Q-2016
L
"Investment") OR Sort ID 57Include only above-grade bedrooms for 1-unit properties.
FinancedUnitCount > "1"
Include both above and below-grade bedrooms for 2-4
unit properties.
YYYY
Investment
PrimaryResidence
SecondHome
Enumerated
*Numeric 1
There is a container for Property_Units that provides the
ability to deliver up to four iterations of the
Property_Unit. Within Property_Unit, supply the
BedroomCount and
PropertyDwellingUnitEligibleRentAmount (Sort ID 78).
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
Page 15 of 114
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Document Version 2.0.3
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ULDDS
Conditionality
FNM
Conditionality
Details
N/A
N/A
ULDDS Format
FNM Format
Revision
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality Details
FNM Implementation Notes
A value indicating the current actual monthly rent for a
IF(Sort ID 89-PropertyValuationMethodType
The actual contract rent amount if the
one-family investment property or for a unit of a twoCode change
PROPERTY_
= "FullAppraisal" OR "PriorAppraisalUsed")
PropertyDwellingUnitEligibleRentA property dwelling unit is rented. If there is
family to four-family property (rounded to the nearest
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_UNITS/PROPERTY_UNIT/PROPERTY_UNIT_DETAIL
UNIT_DETAI
N/A
N/A N/A CR CR AND (Sort ID 69-PropertyUsageType =
mount
no active lease, this is the monthly market
dollar) or the estimated market rent (rounded to the
2Q-2016
L
"Investment") OR Sort ID 57value amount.
nearest dollar) if the unit is not rented currently. Only
FinancedUnitCount > "1"
supporting up to 5 digit numerics at this time.
N/A
N/A
Revision
XPath
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
ULDDS
Format
Numeric 9
*Numeric 5
N/A
The name of the AVM model used to
IF Sort ID 89-PropertyValuationMethodType
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION/AVMS/AVM
AVM
AVMModelNameType
calculate the valuation of the subject
N/A
N/A N/A CR CR = "AutomatedValuationModel" AND IF
Only supply one AVM container.
property.
applies
Enumerated
See "Enumerations" tab for complete list
Enumerated
N/A
The name of the AVM model used to
AVMModelNameTypeOtherDescripti calculate the valuation of the subject
IF Sort ID 80-AVMModelNameType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION/AVMS/AVM
AVM
N/A
N/A N/A CR CR
on
property when Other is selected from the
"Other"
enumerated list.
Enumerated
MTM
Enumerated
The identifier referred to as the "Document File
Identifier" in the Uniform Collateral Data Portal (UCDP).
Documentati
Lender obtains the "Document File Identifier" from
on change to
UCDP and transmits it in the "Appraisal Identifier" field
be made as
PROPERTY_
A unique identifier assigned by a party for
IF Sort ID 89-PropertyValuationMethodType in Loan Delivery. This field associates the appraisal data
soon as
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION/PROPERTY_VALUATION_DETAIL
VALUATION AppraisalIdentifier
all appraisal data delivered to the party for N/A
N/A N/A CR CR = "DriveBy" OR "FullAppraisal" OR
transmitted by the lender to UCDP with the Loan
String 10
possible _DETAIL
this loan.
"PriorAppraisalUsed"
Delivery record. As such, this field is conditional based
validate for
on UCDP mandated requirements.
potential
code change
At this time the only reasonable values are 10 characters
long.
83
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N/A
N/A
N/A
84
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N/A
N/A
N/A
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
FNM
Format
FNM Supported Enumerations
If no appraisal is required in connection with a refinance
transaction, indicate the amount of the original appraisal
that is in the loan file. If Fannie Mae waived the
PROPERTY_
Statement of property’s value from a valid
requirement for an appraisal for a Desktop Underwriter®
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION/PROPERTY_VALUATION_DETAIL
VALUATION PropertyValuationAmount
N/A
N/A N/A R
R Required for all loans
Numeric 9
property valuation source.
loan casefile, indicate the "sales price" submitted to
_DETAIL
Desktop Underwriter (for a purchase money transaction)
or the lender's estimated value (for a refinance
transaction).
For mortgages with an appraisal, the
PropertyValuationEffectiveDate is the date of the
appraisal. For loans with any other valuation methods, the
PROPERTY_
PropertyValuationEffectiveDate is the date reported on
Effective date of the property valuation on
IF Sort ID 89-PropertyValuationMethodType
YYYY-MMMESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION/PROPERTY_VALUATION_DETAIL
VALUATION PropertyValuationEffectiveDate
N/A
N/A N/A CR CR
the form or method used.
the subject property.
<> "None"
DD
_DETAIL
This data point is conditionally required based on
whether a property evaluation exists; it does not apply to
all loans.
Page 16 of 114
String 10
Numeric 9
YYYY-MMDD
ULDD Phase 2
Document Version 2.0.3
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
Enter the name of the property valuation form used to
provide the property value upon which the loan
underwriting decision was based.
85
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2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
Enumeration
Change
FNM
Implementation
Notes
Enumeration
Change
New
Enumeration and Corresponding Appraisal Form #:
▪ FNM 1004 / FRE 70 =
UniformResidentialAppraisalReport
▪ FNM 1004C / FRE 70B =
ManufacturedHomeAppraisalReport
▪ FNM 1004D / FRE 442 =
AppraisalUpdateAndOrCompletionReport
▪ FNM 1025 / FRE 72 =
SmallResidentialIncomePropertyAppraisalReport
If applies
▪ FNM 1073 / FRE 465 =
Code change
PROPERTY_
IF Sort ID 317-MortgageType =
IndividualCondominiumUnitAppraisalReport
to be made
Specifies the form or document used to
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION/PROPERTY_VALUATION_DETAIL
VALUATION PropertyValuationFormType
N/A
N/A N/A CR CR "Conventional" AND Sort ID 89▪ FNM 1075 / FRE 466 =
Enumerated
as soon as
provide the property valuation.
_DETAIL
PropertyValuationMethodType = "DriveBy" ExteriorOnlyInspectionIndividualCondominiumUnitAppr
possible
OR "FullAppraisal"
aisalReport
▪ FNM 2000 / FRE1032 =
OneUnitResidentialAppraisalFieldReviewReport
▪ FNM 2000A / FRE 1072 =
TwoToFourUnitResidentialAppraisal
▪ FNM 2055 / FRE 2055 =
ExteriorOnlyInspectionResidentialAppraisalReport
▪ FNM 2090 =
IndividualCooperativeInterestAppraisalReport
▪ FNM 2095 =
ExteriorOnlyInspectionIndividualCooperativeInterestApp
raisalReport
▪ DU Form 2075 DesktopUnderwriterPropertyInspectionReport
If property inspection or fieldwork has been waived,
supply "None" in PropertyValuationMethodType and
populate Sort ID 376 InvestorCollateralProgramIdentifier.
Revision
Code change
PROPERTY_
Specifies the method by which the
For more detailed information, please refer the
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION/PROPERTY_VALUATION_DETAIL
VALUATION PropertyValuationMethodType
N/A
N/A N/A R
R Required for all loans
Appraisal Method Quick Guide located on
property value was assessed.
2Q-2016
_DETAIL
Fanniemae.com.
Enumerated
AutomatedValuationModel
DesktopAppraisal
DriveBy
FullAppraisal
None
Other
PriorAppraisalUsed
Enumerated
Enumerated
FieldReview
Enumerated
Note: The value of "Prior Appraisal Used" is no longer a
valid value for Refi Plus loans. Please refer to Selling
Guide for more details.
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ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
Enumeration
Change
Revision
Code change
PROPERTY_
A free-form text field used to capture a
PropertyValuationMethodTypeOther
IF Sort ID 89-PropertyValuationMethodType Enter "FieldReview" if a field review was used to value
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION/PROPERTY_VALUATION_DETAIL
VALUATION
description of the Property Valuation
N/A
N/A N/A CR CR
Description
= "Other"
the subject property.
2Q-2016
_DETAIL
Method Type when Other is selected.
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
Page 17 of 114
AppraisalUpdateAndOrCompletionReport
DesktopUnderwriterPropertyInspectionRe
port
ExteriorOnlyInspectionIndividualCondom
iniumUnitAppraisalReport
ExteriorOnlyInspectionIndividualCoopera
tiveInterestAppraisalReport
ExteriorOnlyInspectionResidentialApprais
alReport
IndividualCondominiumUnitAppraisalRe
Enumerated
port
IndividualCooperativeInterestAppraisalRe
port
ManufacturedHomeAppraisalReport
OneUnitResidentialAppraisalFieldReview
Report
SmallResidentialIncomePropertyAppraisal
Report
TwoToFourUnitResidentialAppraisal
UniformResidentialAppraisalReport
ULDD Phase 2
Document Version 2.0.3
7/23/2012
7/23/2012
N/A
N/A
N/A
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
The result of dividing the combined
unpaid principal balance (UPB) amounts
COMBINED_
of the first and all subordinate mortgages,
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/COMBINED_LTVS/COMBINED_LTV
CombinedLTVRatioPercent
LTV
excluding undrawn home equity lines of
credit amounts, by the value of the subject
property.
N/A
N/A
N/A
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
91
FNM Data
Point
Mandate
Date
R
FNM Conditionality Details
R Required for all loans
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
Divide the sum of the combined original loan amounts of
first and second mortgages (and any other subordinate
liens, excluding undrawn equity lines) plus the financed
mortgage insurance premium amount (if applicable) on a
property by the lower of the property’s sales price or
appraised value. If a first mortgage has no subordinate
liens, enter the loan-to-value ratio of the first mortgage. Percent 3.4
*Numeric 3
Only whole numbers will be supported at this time. The
CLTV must be truncated (shortened) to two decimal
places. The truncated result must be rounded up to the
next whole percent. For example: 96.001% will be
delivered as 96; 80.01% will be delivered as 81.
Provide the "HomeEquityCombinedLTVRatioPercent" in
the "HCLTV" field for loans with a concurrently closing
HELOC or an existing HELOC.
92
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Conditionality
Details
FNM
Implementation
Notes
Revision
Documentati
The result of dividing the sum of the
on change to
unpaid principal balance (UPB) of the first
be made as
mortgage, the full amount of any home
soon as
COMBINED_ HomeEquityCombinedLTVRatioPerc
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/COMBINED_LTVS/COMBINED_LTV
equity line of credit (whether drawn or
possible LTV
ent
undrawn), and the balance of any other
validate for
subordinate financing by the value of the
potential
subject property.
code change
Calculate the sum of the Original Loan Amount of the
first mortgage plus the financed mortgage insurance
premium (if applicable), any outstanding balances on
closed-end subordinate financing and the greater of the
maximum home equity line of credit or amount drawn
(outstanding UPB). Divide the sum by the lower of the
sales price (if applicable) or value of the property
securing the mortgage.
N/A
N/A
N/A CR CR IF Sort ID 513-HELOCIndicator = "true"
Divide the sum of the Original Loan Amount of the first Percent 3.4
mortgage and the home equity line of credit (whether or
not funds have been drawn) and the UPB of all other
subordinate financing plus the financed mortgage
insurance premium amount (if applicable) by the lower
of the appraised value or the sales price of the property
securing the mortgage.
*Numeric 3
The HCLTV must be truncated (shortened) to two
decimal places. The truncated result must be rounded up
to the next whole percent. For example: 96.001% will
be delivered as 96; 80.01% will be delivered as 81.
The HCLTV must be greater than or equal to the CLTV.
93
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N/A
N/A
N/A
N/A
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
LoanRoleType is "SubjectLoan" for this occurrence of
LOAN.
N/A
Used as an attribute on LOAN to
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN
LOAN
LoanRoleType
distinguish subject loans from related
loans.
N/A
AtClosi
ng (NonSpecifies the type and source of index to
INDEX_RUL
Subject Mods)
IF Sort ID 138-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INDEX_RULES/INDEX_RULE
IndexSourceType
be used to determine the interest rate at
N/A CR CR
E
Loan
OR
"AdjustableRate"
each adjustment.
AtModi
fication
Page 18 of 114
R
R Required for all loans
For this LOAN container, specify either LoanStateType is
"AtClosing" if the loan IS NOT a modification
Enumerated
(MortgageModificationIndicator (Sort ID 397) is "false")
OR specify LoanStateType is "AtModification" if the loan
IS a modification (MortgageModificationIndicator (Sort
ID 397) is "true")
Always specify "Other" and provide
IndexSourceTypeOtherDescription (Sort ID 111)
Enumerated
SubjectLoan
Enumerated
Other
Enumerated
ULDD Phase 2
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116
117
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N/A
N/A
N/A
N/A
N/A
ULDDS
Conditionality
Revision
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality Details
AtClosi
Code change
ng (NonAn enumerated field used to collect
to be made
INDEX_RUL
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INDEX_RULES/INDEX_RULE
IndexSourceTypeOtherDescription
additional Index Source Type values when
N/A CR CR IF Sort ID 110-IndexSourceType = "Other"
as soon as
E
Loan
OR
needed.
possible
AtModi
fication
N/A
N/A
N/A
N/A
N/A
Revision
XPath
ULDDS
Conditionality
FNM
Conditionality
2Q-2016
FNM
Implementation
Notes
Enumeration
Change
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
111
FNM Data
Point
Mandate
Date
ULDDS
Format
FNM
Format
FNM Supported Enumerations
Always specify "Other" in IndexSourceType (Sort ID
110) and supply the index here.
Enumerated
N/A
AtClosi
The number of days prior to an interest
ng (Nonrate effective date used to determine the
INDEX_RUL InterestAndPaymentAdjustmentIndex
Subject Mods)
IF Sort ID 138-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INDEX_RULES/INDEX_RULE
date for the index value when calculating
N/A CR CR
E
LeadDaysCount
Loan
OR
"AdjustableRate"
both a new interest rate and a principal
AtModi
and interest payment.
fication
The lookback period for a standard ARM.
For MBS, all loans in the pool must have the same
InterestAndPaymentAdjustmentIndexLeadDaysCount.
Numeric 3
Numeric 3
N/A
AtClosi
INTEREST_
ng (NonRATE_LIFET
The stated maximum percentage to which
Subject Mods)
IF Sort ID 138-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE
IME_ADJUS CeilingRatePercent
the interest rate can increase over the life
N/A CR CR
Loan
OR
"AdjustableRate"
TMENT_RU
of the loan.
AtModi
LE
fication
The only reasonable values supported at this time are
restricted to a format of Percent 2.4
Percent 3.4
*Percent 2.4
N/A
The due date of the payment at the first
AtClosi
INTEREST_
calculated interest rate change. To arrive
ng (NonRATE_LIFET
FirstRateChangePaymentEffectiveDat at the actual (true) date that interest begins Subject Mods)
IF Sort ID 138-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE
IME_ADJUS
N/A CR CR
e
to accrue at the changed rate, one payment Loan
OR
"AdjustableRate"
TMENT_RU
period is subtracted if interest is paid in
AtModi
LE
arrears.
fication
YYYY-MMDD
YYYY-MMDD
N/A
AtClosi
INTEREST_
ng (NonRATE_LIFET
The stated minimum rate to which the
Subject Mods)
IF Sort ID 138-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE
IME_ADJUS FloorRatePercent
interest rate can decrease to over the life
N/A CR CR
Loan
OR
"AdjustableRate" AND floor exists
TMENT_RU
of the loan.
AtModi
LE
fication
Not required if there is no interest rate floor.
The only reasonable values supported at this time are
restricted to a format of Percent 2.4
Percent 3.4
*Percent 2.4
N/A
The percentage to which the interest rate
AtClosi
INTEREST_
is rounded when a new interest rate is
ng (NonRATE_LIFET
IF Sort ID 138-LoanAmortizationType =
calculated. This field is used in
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE
IME_ADJUS InterestRateRoundingPercent
N/A CR CR "AdjustableRate" AND interest rate rounding
conjunction with Interest Rate Rounding
Loan
OR
TMENT_RU
exists
Type, which indicates how rounding
AtModi
LE
should occur.
fication
Used in conjunction with InterestRateRoundingType
(Sort ID 118).
All loans in the pool must have the same
InterestRateRoundingPercent.
Percent 3.4
Percent 3.4
Documentati
Specifies how the interest rate is rounded
on change to
when a new interest rate is calculated for
AtClosi
INTEREST_
be made as
an ARM change. The interest rate can be
ng (NonRATE_LIFET
soon as
rounded Up, Down, or to the Nearest
Subject Mods)
IF Sort ID 138-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE
IME_ADJUS InterestRateRoundingType
N/A CR CR
possible Percent. This field is used in conjunction
Loan
OR
"AdjustableRate"
TMENT_RU
validate for
with Interest Rate Rounding Percent,
AtModi
LE
potential
which indicates the percentage to which
fication
code change
the rounding occurs.
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
FNM Implementation Notes
Page 19 of 114
Used in conjunction with InterestRateRoundingPercent
(Sort ID 117).
All loans in the pool must have the same
InterestRateRoundingType.
Enumerated
See "Enumerations" tab for complete list
Down
Nearest
NoRounding
Up
Enumerated
Enumerated
ULDD Phase 2
Document Version 2.0.3
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121
122
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2Q-2016
N/A
N/A
FNM
Implementation
Notes
FNM
Implementation
Notes
N/A
N/A
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
119
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
N/A
AtClosi
INTEREST_
ng (NonRATE_LIFET
The number of percentage points to be
Subject Mods)
IF Sort ID 138-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE
IME_ADJUS MarginRatePercent
added to the index to arrive at the new
N/A CR CR
Loan
OR
"AdjustableRate"
TMENT_RU
interest rate.
AtModi
LE
fication
N/A
AtClosi
INTEREST_
Must provide two iterations of the
ng (NonRATE_PER_
Specifies whether the occurrence of the
INTEREST_RATE_PER_CHANGE_ADJUSTMENT_R
Subject Mods)
IF Sort ID 138-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE
CHANGE_A AdjustmentRuleType
adjustment is the first change or a
N/A CR CR
ULE container. One with the AdjustmentRuleType
Enumerated
Loan
OR
"AdjustableRate"
DJUSTMEN
subsequent change.
equals "First" and the second AdjustmentRuleType
AtModi
T_RULE
equals "Subsequent".
fication
The only reasonable values supported at this time are
restricted to a format of Percent 2.4
FNM
Format
FNM Supported Enumerations
Percent 3.4
*Percent 2.4
First
Subsequent
Enumerated
Revision
Enter the maximum number of percentage points by
which the rate can decrease from the previous interest
Documentati
rate as specified on the note that will be in effect at the
on change to
AtClosi
INTEREST_
First Rate Change Date with AdjustmentRuleType (Sort
be made as
ng (NonRATE_PER_
The maximum number of percentage
ID 120) equal to "First"
soon as
PerChangeMaximumDecreaseRatePer
Subject Mods)
IF Sort ID 138-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE
CHANGE_A
points by which the rate can decrease from
N/A CR CR
Percent 3.4
possible cent
Loan
OR
"AdjustableRate" AND decrease cap exists
DJUSTMEN
the previous interest rate.
Enter the maximum number of percentage points by
validate for
AtModi
T_RULE
which the rate can decrease from the previous interest
potential
fication
rate as specified on the note that will be in effect at the
code change
First Rate Change Date with AdjustmentRuleType (Sort
ID 120) equal to "Subsequent"
Percent 3.4
Revision
Enter the maximum number of percentage points by
which the rate can increase from the previous interest
Documentati
rate as specified on the note that will be in effect at the
on change to
AtClosi
INTEREST_
First Rate Change Date with AdjustmentRuleType (Sort
be made as
ng (NonRATE_PER_
The maximum number of percentage
ID 120) equal to "First"
soon as
PerChangeMaximumIncreaseRatePer
Subject Mods)
IF Sort ID 138-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE
CHANGE_A
points by which the rate can increase from
N/A CR CR
Percent 3.4
possible cent
Loan
OR
"AdjustableRate"
DJUSTMEN
the previous interest rate.
Enter the maximum number of percentage points by
validate for
AtModi
T_RULE
which the rate can increase from the previous interest rate
potential
fication
as specified on the note that will be in effect at the First
code change
Rate Change Date with AdjustmentRuleType (Sort ID
120) equal to "Subsequent"
Percent 3.4
123
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FNM
Implementation
Notes
Revision
124
7/23/2012
2Q-2016
FNM
Implementation
Notes
Revision
Documentati
The date when the Interest Rate Per
on change to
AtClosi
INTEREST_
Change Adjustment Rule first becomes
Enter the First Rate Change Date with
be made as
ng (NonRATE_PER_
applicable. The Interest Rate Per Change
AdjustmentRuleType (Sort ID 120) equal to"First."
soon as
PerChangeRateAdjustmentEffectiveD
Subject Mods)
IF Sort ID 138-LoanAmortizationType =
YYYY-MMMESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE
CHANGE_A
Adjustment Rule remains in effect unless
N/A CR CR
possible ate
Loan
OR
"AdjustableRate"
DD
DJUSTMEN
another Interest Rate Per Change
Enter the Second Change Date with AdjustmentRuleType
validate for
AtModi
T_RULE
Adjustment Rule with a later date is
(Sort ID 120) equal to "Subsequent"
potential
fication
present on the loan.
code change
Documentati
Enter the number of months between the initial rate
on change to
AtClosi
adjustment and the second rate adjustment with
INTEREST_
be made as
ng (NonAdjustmentRuleType (Sort ID 120) equal to "First"
RATE_PER_
The number of months between rate
soon as
PerChangeRateAdjustmentFrequency
Subject Mods)
IF Sort ID 138-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE
CHANGE_A
adjustments, if the interest rate on the
N/A CR CR
Numeric 3
possible MonthsCount
Loan
OR
"AdjustableRate"
Enter the number of months between the second rate
DJUSTMEN
subject loan can change.
validate for
AtModi
adjustment and the third rate adjustment with
T_RULE
potential
fication
AdjustmentRuleType (Sort ID 120) equal to
code change
"Subsequent".
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
Page 20 of 114
YYYY-MMDD
Numeric 3
ULDD Phase 2
Document Version 2.0.3
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ULDDS
Conditionality
Revision
131
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ULDDS
Conditionality
Revision
135
136
137
138
145
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2Q-2016
7/23/2012
N/A
N/A
N/A
FNM
Implementation
Notes
N/A
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
Documentati
PRINCIPAL_
on change to
AtClosi
AND_INTER
be made as
ng (NonEST_PAYME
Specifies whether the occurrence of the
Only provide one instance of this container:
soon as
Subject Mods)
IF Sort ID 138-LoanAmortizationType=
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/PRINCIPAL_AND_INTEREST_PAYMENT_ADJUSTMENT/PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULES/PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULE
NT_PER_CH AdjustmentRuleType
adjustment is the first change or a
N/A CI CR
AdjustmentRuleType (Sort ID 120) equal to
Enumerated Subsequent
Enumerated
possible Loan
OR
"GrowingEquityMortgage"
ANGE_ADJU
subsequent change.
"Subsequent"
validate for
AtModi
STMENT_R
potential
fication
ULE
code change
Documentati
PRINCIPAL_
on change to
AtClosi
AND_INTER
be made as
ng (NonEST_PAYME
The number of percentage points by
For AdjustmentRuleType (Sort ID 126) is "Subsequent".
soon as
PerChangePrincipalAndInterestPaym
Subject Mods)
IF Sort ID 138-LoanAmortizationType=
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/PRINCIPAL_AND_INTEREST_PAYMENT_ADJUSTMENT/PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULES/PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULE
NT_PER_CH
which the principal and interest payment
N/A CI CR
The only reasonable values supported at this time are
Percent 3.4
*Percent 2.4
possible entAdjustmentPercent
Loan
OR
"GrowingEquityMortgage"
ANGE_ADJU
adjusts.
restricted to a format of Percent 2.4
validate for
AtModi
STMENT_R
potential
fication
ULE
code change
N/A
N/A
N/A
Revision
XPath
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
N/A
AtClosi
ng (NonThe maximum number of months over
AMORTIZA LoanAmortizationMaximumTermMo
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/AMORTIZATION/AMORTIZATION_RULE
which an extendable mortgage may be
N/A CI
TION_RULE nthsCount
Loan
OR
amortized.
AtModi
fication
N/A
AtClosi
The number of periods (as defined by the
ng (NonLoan Amortization Period Type) over
AMORTIZA
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/AMORTIZATION/AMORTIZATION_RULE
LoanAmortizationPeriodCount
which the scheduled loan payments of
N/A
TION_RULE
Loan
OR
principal and/or interest are calculated to
AtModi
retire the obligation.
fication
R
R Required for all loans
N/A
AtClosi
ng (NonAMORTIZA
The duration of time used to define the
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/AMORTIZATION/AMORTIZATION_RULE
LoanAmortizationPeriodType
N/A
TION_RULE
period over which the loan is amortized.
Loan
OR
AtModi
fication
R
R Required for all loans
Documentati
on change to
AtClosi
be made as
ng (NonA classification or description of a loan
soon as
AMORTIZA
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/AMORTIZATION/AMORTIZATION_RULE
LoanAmortizationType
generally based on the changeability of the
N/A
possible TION_RULE
Loan
OR
rate or payment over time.
validate for
AtModi
potential
fication
code change
N/A
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
N/A
R
CR If loan has an extendable term
R Required for all loans
Extendable refers to a balloon product that has the option
Numeric 3
to extend to a full term after an initial set period.
Numeric 3
Numeric 3
Numeric 3
LoanAmortizationPeriodType must equal "Month"
For MBS, all loans in the pool must have the same
LoanAmortizationType.
Supply "Other" if the contributor is an Interested Party.
AtClosi
Supply "Lender" for temporary buydowns funded with
ng (NonBUYDOWN_
IF Sort ID 228Premium Financing.
Specifies the source of the buydown
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/BUYDOWN/BUYDOWN_CONTRIBUTORS/BUYDOWN_CONTRIBUTOR/BUYDOWN_CONTRIBUTOR_DETAIL
CONTRIBUT BuydownContributorType
N/A CR CR BuydownTemporarySubsidyIndicator =
Supply "Borrower" for all other temporary buydown
funds.
Loan
OR
OR_DETAIL
"true"
contributors.
AtModi
If loan does not have a temporary buydown (i.e.
fication
permanent buydown) then this field does not apply.
Page 21 of 114
Enumerated
Month
Enumerated
Enumerated
AdjustableRate
Fixed
GraduatedPaymentARM
GraduatedPaymentMortgage
GrowingEquityMortgage
Step
Enumerated
Enumerated
Borrower
Lender
Other
Enumerated
ULDD Phase 2
Document Version 2.0.3
147
148
149
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2Q-2016
2Q-2016
2Q-2016
7/23/2012
N/A
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
N/A
N/A
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
146
FNM Data
Point
Mandate
Date
FNM Conditionality Details
AtClosi
A free-form text field used to specify the
ng (NonBUYDOWN_
BuydownContributorTypeOtherDescr type of contributor that is the source of the Subject Mods)
IF Sort ID 145-BuydownContributorType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/BUYDOWN/BUYDOWN_CONTRIBUTORS/BUYDOWN_CONTRIBUTOR/BUYDOWN_CONTRIBUTOR_DETAIL
CONTRIBUT
N/A CR CR
iption
buydown funds when Other is selected as Loan
OR
"Other"
OR_DETAIL
the Buydown Contributor Type.
AtModi
fication
New
The time interval in months between
AtClosi
Code change
interest rate increases during the buydown
ng (NonIF Sort ID 228to be made
BUYDOWN_ BuydownChangeFrequencyMonthsC period. For example, if the interest rate
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/BUYDOWN/BUYDOWN_RULE
N/A CR CR BuydownTemporarySubsidyIndicator =
as soon as
RULE
ount
increases annually during a two year
Loan
OR
"true"
possible
buydown, the frequency of interest rate
AtModi
change is 12 months.
fication
New
AtClosi
Code change
The total number of months during which
ng (NonIF Sort ID 228to be made
BUYDOWN_
any buydown is in effect. This represents Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/BUYDOWN/BUYDOWN_RULE
BuydownDurationMonthsCount
N/A CR CR BuydownTemporarySubsidyIndicator =
as soon as
RULE
the accumulation of all the buydown
Loan
OR
"true"
possible
periods.
AtModi
fication
New
FNM Implementation Notes
AtClosi
Code change
ng (NonThe amount by which the interest rate can
IF Sort ID 228to be made
BUYDOWN_
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/BUYDOWN/BUYDOWN_RULE
BuydownIncreaseRatePercent
increase at each adjustment period within
N/A CR CR BuydownTemporarySubsidyIndicator =
as soon as
RULE
Loan
OR
the buydown duration.
"true"
possible
AtModi
fication
Enter the number of months that represents the time
interval in months between interest rate increases during
the buydown period. For example, if the interest rate
increases annually during a two year buydown, the
frequency of interest rate change is 12 months.
ULDDS
Format
Enumerated
FNM
Format
FNM Supported Enumerations
InterestedThirdParty
Enumerated
Numeric 3
Numeric 3
Numeric 3
Numeric 3
Percent 3.4
Percent 3.4
If the subject loan is a modified loan, and that loan has a
buydown feature, enter the difference between the Note
Percent 3.4
Rate and 'bought down' rate that goes into effect as of the
modification date.
Percent 3.4
Enter the number of months for which the buydown is in
effect.
For example: In a 3-2-1 buydown over 3 years, enter
"36".
Enter the percentage by which the interest rate can
increase at each adjustment period within the buydown
duration. For example, if the interest rate increases 1%
annually during a two year buydown, the percentage
increase is 1.0.
Include for all sources (Borrower/Seller/Lender/Builder).
150
2Q-2016
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
If the subject loan is a non-modified loan and that loan
has a buydown feature, enter the difference between the
Note Rate and the 'bought down' rate that goes into effect
as of closing.
New
AtClosi
Code change
ng (NonThe percent by which the interest rate was
IF Sort ID 228to be made
BUYDOWN_
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/BUYDOWN/BUYDOWN_RULE
BuydownInitialDiscountPercent
bought down at origination. For example,
N/A CR CR BuydownTemporarySubsidyIndicator =
as soon as
RULE
Loan
OR
for a 3-2-1 buydown, this would be 3.
"true"
possible
AtModi
fication
For example, if the Note Rate is 4% on a 3-2-1 buydown,
the number delivered is 3.0.
If the source (Borrower/Seller/Builder) contributed an
amount as part of a concession, this amount must be
converted to a percentage.
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
Page 22 of 114
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167
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2Q-2016
2Q-2016
N/A
N/A
N/A
N/A
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
FNM
Implementation
Notes
N/A
N/A
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
162
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
AtClosi
ng (NonProduct not supported at this time,
CONSTRUC
Specifies the specific type of construction Subject Mods)
IF Sort ID 231-ConstructionLoanIndicator =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CONSTRUCTION
ConstructionLoanType
N/A CR CR
ConstructionLoanIndicator (Sort ID 231) should always = Enumerated
TION
loan.
Loan
OR
"true"
"false"
AtModi
fication
FNM
Format
FNM Supported Enumerations
ConstructionOnly
ConstructionToPermanent
Enumerated
Specifies the type of feature associated
CONSTRUC ConstructionToPermanentClosingFea
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CONSTRUCTION
with closing for the Construction To
TION
tureType
Permanent loan.
AtClosi
ng (NonSubject Mods)
IF Sort ID 162-ConstructionLoanType =
N/A CR CR
Loan
OR
"ConstructionToPermanent"
AtModi
fication
Product not supported at this time,
ConstructionLoanIndicator (Sort ID 231) should always = Enumerated
"false"
AutomaticConversion
ModificationAgreement
NewNote
Enumerated
CONSTRUC ConstructionToPermanentClosingTy Specifies the type of closing for the
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CONSTRUCTION
TION
pe
Construction to Permanent loan.
AtClosi
ng (NonSubject Mods)
IF Sort ID 162-ConstructionLoanType =
N/A CR CR
Loan
OR
"ConstructionToPermanent"
AtModi
fication
Product not supported at this time,
ConstructionLoanIndicator (Sort ID 231) should always = Enumerated
"false"
OneClosing
TwoClosing
Enumerated
The due date of the first payment of the
CONSTRUC ConstructionToPermanentFirstPayme
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CONSTRUCTION
permanent mortgage phase of a
TION
ntDueDate
construction to permanent loan.
AtClosi
ng (NonSubject Mods)
IF Sort ID 162-ConstructionLoanType =
N/A CR CR
Loan
OR
"ConstructionToPermanent"
AtModi
fication
Product not supported at this time,
YYYY-MMConstructionLoanIndicator (Sort ID 231) should always =
DD
"false"
YYYY-MMDD
New
AtClosi
Code change
ng (Nonto be made
URLA_DET BorrowerPaidDiscountPointsTotalA The total dollar amount of discount points Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FORM_SPECIFIC_CONTENTS/FORM_SPECIFIC_CONTENT/URLA/URLA_DETAIL
N/A CR R Required for all loans
as soon as
AIL
mount
that are paid by the borrower.
Loan
OR
possible
AtModi
fication
Enter only the amounts paid by the borrower. If the
amount is zero or negative, enter zero. If any discount
points were paid by a party other than the borrower and
the amount paid by the borrower cannot be determined,
report the total amount of discount points.
Amount 9.2
Amount 9.2
Revision
Documentati
on change to
AtClosi
be made as
The total dollar amount paid by the
ng (NonIF Sort ID 315-LoanPurposeType =
soon as
URLA_DET
borrower for the property pledged as
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FORM_SPECIFIC_CONTENTS/FORM_SPECIFIC_CONTENT/URLA/URLA_DETAIL
PurchasePriceAmount
N/A CR CR "Purchase" AND Sort ID 313possible AIL
security for the mortgage. The purchase
Loan
OR
LienPriorityType = "FirstLien"
validate for
price is presented on the offer to purchase.
AtModi
potential
fication
code change
Enter the amount indicating the purchase price of the
property, net of any adjustments for sales or financing
concessions.
Numeric 9
Numeric 9
N/A
N/A
N/A
N/A
N/A
N/A
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
Page 23 of 114
ULDD Phase 2
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N/A
N/A
N/A
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
Identifies the section of the National
GOVERNME
Housing Act that defines underwriting
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/GOVERNMENT_LOAN
SectionOfActType
NT_LOAN
guidelines for VA or FHA loan
evaluations.
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
198
FNM Data
Point
Mandate
Date
FNM Conditionality Details
AtClosi
ng (NonSubject Mods)
IF Sort ID 317-MortgageType <>
N/A CR CR
Loan
OR
"Conventional"
AtModi
fication
FNM Implementation Notes
ULDDS
Format
If an FHA graduated-payment mortgage is insured under
Section 245, one of the following codes must be
indicated instead of Section 245.
For a cash delivery of an FHA Title I loan, use the
following special codes: 201s (for a secured direct loan),
201sd (for a secured dealer loan), 201u (for an unsecured
direct loan), or 201ud (for an unsecured dealer loan). For
an MBS pool delivery of an FHA Title I loan, use one of
Enumerated
the following codes: 201s (for a secured direct loan) or
201sd (for a secured dealer loan).
FNM
Format
FNM Supported Enumerations
See "Enumerations" tab for complete list
Enumerated
false
true
Boolean
Eligible VA-Guaranteed Mortgages: If a VA loan, the
acceptable values are Section 3710 of Title 38 for fixedpayment mortgages, and Section 3703(d) of Title 38 for
graduated-payment mortgages. Refer to the Fannie Mae
Selling Guide for additional information.
207
208
209
210
211
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7/23/2012
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N/A
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
N/A
N/A
N/A
N/A
Revision
N/A
Flag used to indicate that loan is to be
HMDA_LOA
reported as a HOEPA (Home Ownership
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/HMDA_LOAN
HMDA_HOEPALoanStatusIndicator
N
and Equity Protection Act of 1994) loan
for HMDA reporting.
Code change
The difference between the annual
to be made
HMDA_LOA
percentage rate (APR) and the average
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/HMDA_LOAN
HMDARateSpreadPercent
as soon as
N
prime offer rate (APOR) as required for
possible
HMDA Reporting Requirements.
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
R
R Required for all loans
AtClosi
IF Sort ID 313-LienPriorityType =
ng (Non"FirstLien" AND HMDARateSpreadPercent
Subject Mods)
is > 1.5 OR
N/A CR CR
Loan
OR
IF Sort ID 313-LienPriorityType =
AtModi
"SecondLien" AND
fication
HMDARateSpreadPercent is > 3.5
Required even if Seller is not covered by HMDA. It is
important to note that Fannie Mae does not purchase
mortgages that are determined to be "high-cost"
mortgages under the Home Ownership and Equity
Protection Act (HOEPA), and that the loan delivery
software will reject any data transmission with a "true"
Identifier.
Boolean
Any loan with an Annual Percentage Rate (APR) that is
"greater than or equal to 1.5 percentage points above the
applicable Average Prime Offer Rate for first lien loans,"
or "greater than or equal to 3.5 percentage points above
the applicable APOR for subordinate lien loans" must be
Percent 3.4
reported. Fannie Mae will not accept any value that is less
than 1.5%.
*Percent 2.2
The only reasonable values supported at this time are
restricted to a format of Percent 2.2.
N/A
N/A
N/A
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
N/A
AtClosi
ng (NonINTEREST_
Describes the formula used to calculate
IF Sort ID 215-InterestCalculationType =
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INTEREST_CALCULATION/INTEREST_CALCULATION_RULES/INTEREST_CALCULATION_RULE
CALCULATI InterestAccrualType
interest accrued since the previous
N/A CR CR "Simple" AND Sort ID 214Loan
OR
ON_RULE
payment.
InterestCalculationPeriodType = "Day"
AtModi
fication
Enumerated
AverageDailyInterestAccrual
DailyInterestAccrual
Enumerated
N/A
AtClosi
The number of days in a year to be used
ng (NonINTEREST_
for a loan’s interest calculation.
IF Sort ID 215-InterestCalculationType =
InterestCalculationBasisDaysInYearC
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INTEREST_CALCULATION/INTEREST_CALCULATION_RULES/INTEREST_CALCULATION_RULE
CALCULATI
Commonly used for daily simple interest
N/A CR CR "Simple" AND Sort ID 214ountType
Loan
OR
ON_RULE
and other loans for which interest due is
InterestCalculationPeriodType = "Day"
AtModi
calculated monthly.
fication
Enumerated
360
365
366
Enumerated
N/A
AtClosi
ng (NonINTEREST_
IF Sort ID 215-InterestCalculationType =
Defines the loan balance upon which the Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INTEREST_CALCULATION/INTEREST_CALCULATION_RULES/INTEREST_CALCULATION_RULE
CALCULATI InterestCalculationBasisType
N/A CR CR "Simple" AND Sort ID 214interest is calculated.
Loan
OR
ON_RULE
InterestCalculationPeriodType = "Day"
AtModi
fication
Enumerated
AverageBalance
DailyLoanBalance
EndOfPeriod
Enumerated
Page 24 of 114
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217
218
221
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2Q-2016
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2Q-2016
N/A
N/A
FNM
Implementation
Notes
Enumeration
Change
N/A
ULDDS
Conditionality
FNM
Implementation
Notes
FNM
Implementation
Notes
Revision
MISMO Definition
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
Numeric 3
N/A
AtClosi
ng (NonINTEREST_
Describes the length of the interest accrual Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INTEREST_CALCULATION/INTEREST_CALCULATION_RULES/INTEREST_CALCULATION_RULE
CALCULATI InterestCalculationPeriodType
N/A R
R Required for all loans
period.
Loan
OR
ON_RULE
AtModi
fication
Enumerated
Biweekly
Day
Month
Enumerated
AtClosi
Code change
ng (NonINTEREST_
to be made
Defines the method used to calculate the Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INTEREST_CALCULATION/INTEREST_CALCULATION_RULES/INTEREST_CALCULATION_RULE
CALCULATI InterestCalculationType
N/A R
R Required for all loans
as soon as
interest on the loan.
Loan
OR
ON_RULE
possible
AtModi
fication
Enumerated
Simple
Enumerated
N/A
Revision
MISMO Data Point Name
N/A
N/A
Revision
Parent
Container
AtClosi
The number of months that the individual
ng (NonINTEREST_
IF Sort ID 215-InterestCalculationType =
InterestCalculationEffectiveMonthsC occurrence of this
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INTEREST_CALCULATION/INTEREST_CALCULATION_RULES/INTEREST_CALCULATION_RULE
CALCULATI
N/A CI CR "Simple" AND Sort ID 214ount
INTEREST_CALCULATION RULE is in Loan
OR
ON_RULE
InterestCalculationPeriodType = "Day"
effect.
AtModi
fication
N/A
Revision
XPath
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
213
FNM Data
Point
Mandate
Date
N/A
AtClosi
ng (NonINTEREST_
IF Sort ID 215-InterestCalculationType =
The date that interest begins to accrue for Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INTEREST_CALCULATION/INTEREST_CALCULATION_RULES/INTEREST_CALCULATION_RULE
CALCULATI LoanInterestAccrualStartDate
N/A CR CR "Simple" AND Sort ID 214a loan.
Loan
OR
ON_RULE
InterestCalculationPeriodType = "Day"
AtModi
fication
Documentati
on change to
be made as
soon as
INTEREST_
The date on which the interest-only period Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INTEREST_ONLY
InterestOnlyEndDate
possible ONLY
on the loan ends.
Loan
validate for
potential
code change
Documentati
on change to
be made as
Identifier of a loan from a related or
INVESTOR_
soon as
original transaction. May be used for
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INVESTOR_LOAN_INFORMATION
LOAN_INFO RelatedInvestorLoanIdentifier
possible modifications and conversion of existing
Loan
RMATION
validate for
loans.
potential
code change
Documentati
on change to
be made as
INVESTOR_
soon as
Specifies the investor of the associated
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INVESTOR_LOAN_INFORMATION
LOAN_INFO RelatedLoanInvestorType
possible loan.
Loan
RMATION
validate for
potential
code change
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
AtClosi
ng (NonMods)
N/A CR CR IF Sort ID 237-InterestOnlyIndicator = "true"
OR
AtModi
fication
YYYY-MMDD
YYYY-MMDD
YYYY-MMDD
YYYY-MMDD
AtClosi
ng (NonMods)
IF Sort ID 222-RelatedLoanInvestorType =
N/A CR CR
OR
"FNM"
AtModi
fication
If the loan is a manual RefiPlus that is already in a
lender's servicing portfolio and Fannie Mae is the
String 30
investor of the loan being refinanced, specify Fannie Mae
Loan Number.
AtClosi
ng (NonIF Sort ID 315-LoanPurposeType =
Mods)
N/A CR CR "Refinance" AND delivering to the investor
OR
of the loan being refinanced
AtModi
fication
If the loan is a manual RefiPlus that is already in a
lender's servicing portfolio and Fannie Mae is the
investor of the loan being refinanced, specify "FNM".
Page 25 of 114
Numeric 3
Enumerated
String 30
FNM
Enumerated
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228
229
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N/A
N/A
FNM
Implementation
Notes
N/A
N/A
N/A
N/A
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
224
FNM Data
Point
Mandate
Date
N/A
AtClosi
The date the creditor or originator
ng (NonLOAN_DET
received the application from the borrower Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
ApplicationReceivedDate
N/A
AIL
for the subject mortgage loan that would
Loan
OR
trigger the truth-in-lending disclosure.
AtModi
fication
R
N/A
AtClosi
ng (NonLOAN_DET
Indicates whether the loan is assumable by Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
AssumabilityIndicator
N/A
AIL
another borrower.
Loan
OR
AtModi
fication
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
R Required for all loans
The date on which receipt of the borrower's financial
information first triggers the federal Truth-in-Lending
disclosure requirements to the borrower in connection
with the mortgage.
YYYY-MMDD
R
R Required for all loans
For MBS, all loans in the pool must have the same
AssumabilityIndicator.
Boolean
false
true
Boolean
Revision
Documentati
on change to
AtClosi
be made as
Indicates whether or not a final balloon
ng (Nonsoon as
LOAN_DET
payment is required under the terms of the Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
BalloonIndicator
N/A
possible AIL
loan repayment schedule to fully pay off
Loan
OR
validate for
the loan.
AtModi
potential
fication
code change
R
R Required for all loans
If the loan is a balloon, the BalloonIndicator must equal
"true". For MBS, all loans in the pool must have the
same BalloonIndicator.
Boolean
false
true
Boolean
N/A
N/A
AtClosi
ng (NonLOAN_DET
The number of borrowers obligated on the Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
BorrowerCount
N/A
AIL
note.
Loan
OR
AtModi
fication
R
R Required for all loans
Even though only four borrower containers are supported
in the loan delivery file, specify the total borrowers
Numeric 2
obligated on the note in the BorrowerCount data point.
N/A
AtClosi
Indicates whether there is a temporary
ng (Nonbuydown subsidy. A subsidy is money
LOAN_DET
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
BuydownTemporarySubsidyIndicator paid by the borrower or third party for the
N/A
AIL
Loan
OR
purpose of paying down the interest rate
AtModi
or reducing the monthly payments.
fication
R
R Required for all loans
Boolean
false
true
Boolean
false
true
Boolean
false
true
Boolean
N/A
N/A
N/A
N/A
N/A
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
N/A
N/A
Indicates that interest accrued, escrow
LOAN_DET
disbursements made, and/or fees charged
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
CapitalizedLoanIndicator
AIL
will be added to the unpaid principal
balance.
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
R
R Required for all loans
Capitalized mortgages are those in which accrued
interest, taxes, hazard insurance premiums and/or late
charges are added to the unpaid principal balance of the
loan. Interest capitalization occurs any time interest
(accrued and unpaid) and loan fees are added to the
Boolean
outstanding principal balance of a loan. This applies
when a loan has been modified or is an option Adjustable
Rate Mortgage (ARM). Deliver this data point as "false" if
the loan had not been modified or was not an option
ARM.
LOAN_DET
Indicates whether or not this is a
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
ConstructionLoanIndicator
AIL
construction loan.
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
R
R Required for all loans
ConstructionLoanIndicator should always equal "false"
Page 26 of 114
Boolean
YYYY-MMDD
Numeric 2
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237
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N/A
N/A
FNM
Implementation
Notes
N/A
N/A
N/A
N/A
Revision
N/A
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
232
FNM Data
Point
Mandate
Date
FNM Conditionality Details
N/A
ULDDS
Format
FNM
Format
FNM Supported Enumerations
LOAN_DET
Indicates that the loan has a convertible
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
ConvertibleIndicator
AIL
characteristic.
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
R
R Required for all loans
Boolean
false
true
Boolean
LOAN_DET
Indicates whether or not escrows are
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
EscrowIndicator
AIL
associated with this loan.
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
R
R Required for all loans
Boolean
false
true
Boolean
Documentati
on change to
AtClosi
be made as
ng (Nonsoon as
LOAN_DET InitialFixedPeriodEffectiveMonthsCo The number of months that the initial
Subject Mods)
IF Sort ID 138-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
N/A CR CR
possible AIL
unt
fixed period of a hybrid ARM is in effect. Loan
OR
"AdjustableRate"
validate for
AtModi
potential
fication
code change
N/A
FNM Implementation Notes
LOAN_DET
Indicates whether loan is set up with
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
InterestOnlyIndicator
AIL
interest-only payments.
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
R
R Required for all loans
Enter the number of months from the First Payment to the
Numeric 3
First Rate Change Date.
For MBS, all loans in the pool must have the same
InterestOnlyIndicator.
Numeric 3
Boolean
false
true
Boolean
Boolean
false
true
Boolean
Supply "true" if the loan qualifies for a Fannie Mae
Affordable Product program.
238
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N/A
N/A
N/A
N/A
N/A
N/A
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
N/A
N/A
N/A
When true, indicates that the loan is
LOAN_DET
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
LoanAffordableIndicator
classified as an affordable loan by the
AIL
lender or the investor.
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
R
R Required for all loans
Indicates whether the loan includes a
LOAN_DET
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
PrepaymentPenaltyIndicator
penalty charged to the borrower in the
AIL
event of prepayment.
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
R
R Required for all loans
Boolean
false
true
Boolean
LOAN_DET
Indicates if the loan is part of a corporate
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
RelocationLoanIndicator
AIL
relocation program.
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
R
R Required for all loans
Boolean
false
true
Boolean
Page 27 of 114
MyCommunityMortgageTM (MCMTM) is the only
standard Fannie Mae Selling Guide product that is
considered an affordable program. The lender's Master
Agreement may contain variances for other affordable
products. The lender must contact its Fannie Mae
Account Manager or Credit Account Risk Manager
(CARM) with questions about specific variances.
ULDD Phase 2
Document Version 2.0.3
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251
252
253
254
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2Q-2016
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N/A
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
2Q-2016
New Data Point
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
7/23/2012
7/23/2012
7/23/2012
N/A
N/A
N/A
N/A
New
New
N/A
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
Indicates the mortgage is for resalerestricted, owner-occupied housing in
AtClosi
which the rights, responsibilities, and
ng (NonLOAN_DET
benefits of residential property ownership Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
SharedEquityIndicator
N/A
AIL
are shared between individual
Loan
OR
homeowners and another party
AtModi
representing the interests of a larger
fication
community.
AtClosi
The number of 1- to 4-unit properties that
Code change
ng (Nonare financed and owned and/or obligated
to be made
LOAN_DET
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
TotalMortgagedPropertiesCount
on by the borrower(s). A jointly
N/A
as soon as
AIL
Loan
OR
owned/obligated property by multiple
possible
AtModi
borrowers would count only once.
fication
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
243
FNM Data
Point
Mandate
Date
R
R
AtClosi
Code change
The one credit score value that represents
ng (NonLOAN_LEVE
to be made
the overall credit risk on the loan. This
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_LEVEL_CREDIT/LOAN_LEVEL_CREDIT_DETAIL
L_CREDIT_ LoanLevelCreditScoreValue
N/A CI
as soon as
value is determined using credit score
Loan
OR
DETAIL
possible
values for each qualifying borrower.
AtModi
fication
N/A
N/A
N/A
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
N/A
AtClosi
ng (NonLOAN_STAT
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_STATE
LoanStateDate
Specifies the date for the Loan State Type.
N/A
E
Loan
OR
AtModi
fication
R
N/A
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
R
N/A
Identifies the state in time for the
LOAN_STAT
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_STATE
LoanStateType
information associated with this
E
occurrence of LOAN.
AtClosi
The result of dividing the difference of the
ng (Nonoriginal unpaid principal balance (UPB)
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LTV
LTV
BaseLTVRatioPercent
minus the financed mortgage insurance
N/A
Loan
OR
premium by the value of the subject
AtModi
property.
fication
Page 28 of 114
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
R Required for all loans
This data point is used for indicating when the property
has a shared equity mortgage. These mortgages are
typically done as part of an affordable lending program
with a government agency or nonprofit sharing some of
the costs (and ownership), and thereby incurring lower
payments or costs to purchase for the homeowner. All
loans (first or second) with a shared equity feature are to
be identified as shared equity loans, regardless of the
form of the investor.
R Required for all loans
Enter the total number of financed 1-4 unit residential
properties owned by all borrowers on the loan. Do not
include commercial properties or timeshares. If multiple
Numeric 2
borrowers own the same property, it only needs to be
counted once. The subject property is also included in the
property count.
R Required for all loans
Boolean
FNM
Format
FNM Supported Enumerations
false
true
Boolean
Numeric 2
A value indicating the representative credit score
assigned to the loan. If there are multiple borrowers,
determine the applicable credit score for each individual
borrower (lesser of two or middle of three) and select the
lowest applicable score from all borrowers as the
Numeric 4
representative credit score for the mortgage.
Numeric 4
If any Borrower has Non-Traditional credit, please
provide zero in the field.
R Required for all loans
Supply EITHER NoteDate (Sort ID 320) for nonmodified loan deliveries OR
LoanModificationEffectiveDate (Sort ID 259) for
modified loan deliveries.
YYYY-MMDD
R Required for all loans
For non-modified loans the LoanStateType equals
"AtClosing". For modified loans the LoanStateType
equals "AtModification".
Enumerated
YYYY-MMDD
AtClosing
AtModification
Enumerated
Divide the sum of the original loan amount excluding any
financed mortgage insurance premium amount by either:
(i) in the case of a purchase money loan, the lower of the
property’s sales price or appraised value, or (ii) in the
case of a refinancing loan, the appraised value.
R
R Required for all loans
Only whole numbers will be supported at this time. The
BaseLTVRatioPercent must be truncated (shortened) to
two decimal places. The truncated result must be
rounded up to the next whole percent. For example:
96.001% will be delivered as 96; 80.01% will be
delivered as 81.
Percent 3.4
*Numeric 3
ULDD Phase 2
Document Version 2.0.3
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
Divide the sum of the original loan plus any financed
mortgage insurance premium amount by either: (i) in the
case of a purchase money loan, the lower of the
property’s sales price or appraised value, or (ii) in the
case of a refinancing loan, the appraised value.
255
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FNM
Implementation
Notes
N/A
Revision
Documentati
on change to
be made as
The ratio of the current UPB amount to
soon as
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LTV
LTV
LTVRatioPercent
the appraised value, estimated value or
possible purchase price of the property.
validate for
potential
code change
N/A
N/A
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
R
AtClosi
ng (NonMATURITY_
The date when the loan is scheduled to be Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MATURITY/MATURITY_RULE
LoanMaturityDate
N/A
RULE
paid in full as reflected on the Note.
Loan
OR
AtModi
fication
R
R Required for all loans
Only whole numbers will be supported at this time. The
LTVRatioPercent must be truncated (shortened) to two
decimal places. The truncated result must be rounded up
to the next whole percent. For example: 96.001% will
Percent 3.4
be delivered as 96; 80.01% will be delivered as 81.
*Numeric 3
For government loans with an Application Received Date
on or after December 1, 2011, and delivered on or after
July 23, 2012, the LTV is required. For government loans
with an Application Received Date prior to December 1,
2011, the LTV is only required for Conventional loans.
LTV data should always be numeric; government loans
should not contain "FHA" or "VA" in either the loan
delivery XML file or in the Loan Delivery user interface.
R Required for all loans
YYYY-MMDD
YYYY-MMDD
Numeric 3
Numeric 3
For a Cash delivery of a biweekly payment mortgage,
indicate the biweekly amortization term. If the final
biweekly payment falls on a day other than the first of the
month, the entire month must be included in the term.
257
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N/A
N/A
N/A
The scheduled number of periods (as
MATURITY_
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MATURITY/MATURITY_RULE
LoanMaturityPeriodCount
defined by Loan Maturity Period Type)
RULE
after which a debt will mature.
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
R
R Required for all loans
For an MBS pool delivery of a biweekly payment
mortgage, indicate the term over which the mortgage will
be amortized rather than the biweekly term.
For a Cash delivery of a balloon mortgage, indicate the
term of the balloon (for example, a 30-year mortgage with
a 7-year balloon payment should reflect 84 months, not
360).
For a modified loan provide the
LoanMaturityPeriodCount at the time of modification.
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
258
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N/A
N/A
N/A
MATURITY_
The unit of time used for defining the
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MATURITY/MATURITY_RULE
LoanMaturityPeriodType
RULE
period over which the loan matures.
259
7/23/2012
7/23/2012
N/A
N/A
N/A
MODIFICATI
The date on which the change in the terms Subject AtModi
IF Sort ID 397MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MODIFICATIONS/MODIFICATION
LoanModificationEffectiveDate
N/A CR CR
ON
of the Note go into effect.
Loan fication
MortgageModificationIndicator = "true"
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
Page 29 of 114
R
R Required for all loans
LoanMaturityPeriodType must equal "Month"
Enumerated
YYYY-MMDD
Month
Enumerated
YYYY-MMDD
ULDD Phase 2
Document Version 2.0.3
7/23/2012
7/23/2012
N/A
N/A
N/A
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
The dollar amount of the principal and
interest payment as stated on the Note.
PAYMENT_ InitialPrincipalAndInterestPaymentA The principal and interest payment is
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/PAYMENT/PAYMENT_RULE
RULE
mount
usually obtained using the loan amount
and interest rate to arrive at full
amortization during the loan term.
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
268
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
Must be within $1.00 of the amount that we calculate by
using the amortization term, note rate, and original loan
amount. For a cash delivery of a biweekly payment
mortgage, use the full monthly payment amount;
however, for an MBS pool delivery, use the biweekly
payment amount, not the full monthly payment.
R
R Required for all loans
Amount 9.2
*Amount 7.2
*Numeric 2
For a modified loan provide the
InitialPrinciplaAndInterestPaymentAmount at the time of
modification.
The only reasonable values supported at this time are
restricted to a format of Amount 7.2.
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N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
PAYMENT_ PaymentBillingStatementLeadDaysC The number of days between the billing
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/PAYMENT/PAYMENT_RULE
RULE
ount
statement date and the payment due date.
AtClosi
ng (NonIF Sort ID 215-InterestCalculationType =
Subject Mods)
N/A CR CR "Simple" AND Sort ID 214Loan
OR
InterestCalculationPeriodType = "Day"
AtModi
fication
This value is constant from payment to payment.
Only reasonable values supported at this time are
restricted to the format of Numeric 2
Numeric 3
PAYMENT_
Specifies the frequency of the mortgage
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/PAYMENT/PAYMENT_RULE
PaymentFrequencyType
RULE
payment.
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
R Required for all loans
PaymentFrequencyType must equal "Monthly"
Enumerated
The date of the first scheduled mortgage
PAYMENT_
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/PAYMENT/PAYMENT_RULE
ScheduledFirstPaymentDate
payment to be made by the borrower
RULE
under the terms of the mortgage.
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
R Required for all loans
For a biweekly payment mortgage, indicate the actual
date the first biweekly payment is due. For an MBS pool
delivery only, the system will convert a first payment date
YYYY-MMthat is any day other than the first day of the month as the
DD
first day of the following month before it performs any
calculation. This is for editing purposes only--the date is
not physically changed.
R
R
Monthly
Enumerated
YYYY-MMDD
Enter the total months of verified liquid financial reserves
that are available from all borrowers after closing the
loan.
287
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2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
Liquid financial reserves are those liquid or near liquid
assets that are available to a borrower.
New
Code change
The number of loan payments that are
to be made
QUALIFICA BorrowerReservesMonthlyPaymentC
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/QUALIFICATION
available to the borrower from verified
as soon as
TION
ount
financial reserves after closing.
possible
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
R
R Required for all loans
Reserves are measured by the number of months of the
qualifying payment amount for the subject mortgage
(based on PITIA) that a borrower could pay using his or
her financial assets.
Numeric 3
Numeric 3
In cases where the Reserves determined to be collected is
not a whole number round down. I.e. 1.5 months would
be delivered as 1.
This value could be '0' in some instances. Enter '0' for
Manual RefiPlus.
Refer to the Eligibility Matrix posted on fanniemae.com
for instances where “0” reserves are required.
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
Page 30 of 114
ULDD Phase 2
Document Version 2.0.3
291
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7/23/2012
7/23/2012
7/23/2012
2Q-2016
N/A
N/A
FNM
Implementation
Notes
N/A
N/A
N/A
Revision
N/A
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
QUALIFICA TotalLiabilitiesMonthlyPaymentAmo The total monthly liabilities for all
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/QUALIFICATION
TION
unt
borrowers on the loan.
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
QUALIFICA
The total monthly income for all
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/QUALIFICATION
TotalMonthlyIncomeAmount
TION
borrowers on the loan.
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
Documentati
on change to
be made as
soon as
QUALIFICA TotalMonthlyProposedHousingExpen The total monthly proposed housing
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/QUALIFICATION
possible TION
seAmount
expense for all borrowers on the loan.
validate for
potential
code change
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
290
FNM Data
Point
Mandate
Date
R
R
R
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
R Required for all loans
The combined monthly debt of all borrowers whose debt
is used to qualify for the mortgage. Round to the nearest
dollar.
Numeric 9
The only reasonable values supported at this time are
restricted to a format of Numeric 5.
*Numeric 5
R Required for all loans
The combined monthly income of all borrowers whose
income is used to qualify for the mortgage. Round to the
Numeric 9
nearest dollar. The only reasonable values supported at
this time are restricted to a format of Numeric 6.
*Numeric 6
R Required for all loans
Value indicating the sum of all borrowers’ monthly
expenses related to their primary residence. The monthly
housing expense must be equal to or greater than the P&I
payment.
regardless of the property usage type (primary, second
home, and investment) of the subject loan. When the
subject loan is for the borrower's primary residence, the
Numeric 9
monthly expense must be greater than or equal to the
value delivered in
InitialPrincipalAndInterestPaymentAmount (Sort ID 268)
*Numeric 5
Round to the nearest dollar. The only reasonable values
supported at this time are restricted to a format of five
numeric digits.
293
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2Q-2016
7/23/2012
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
N/A
New
Code change
The amount of cash the borrower will
to be made
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/REFINANCE
REFINANCE RefinanceCashOutAmount
receive at the closing of the loan on a
as soon as
refinance transaction.
possible
N/A
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
N/A
RefinanceCashOutDeterminationTyp Specifies how the lender has classified a
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/REFINANCE
REFINANCE
e
refinanced loan.
AtClosi
ng (NonIF Sort ID 294Subject Mods)
N/A CR CR RefinanceCashOutDeterminationType =
Loan
OR
"CashOut"
AtModi
fication
AtClosi
ng (NonSubject Mods)
IF Sort ID 315-LoanPurposeType =
N/A CR CR
Loan
OR
"Refinance"
AtModi
fication
Page 31 of 114
The calculation for refinance cash-out amount is:
New Loan amount minus paid off first mortgage loan
Amount 9.2
amount minus paid off second mortgage loan amount (if
second was used to purchase the property) minus closing
costs.
Amount 9.2
Supported enumerations for
RefinanceCashOutDeterminationType include:
"CashOut", "LimitedCashOut", and "NoCashOut".
"NoCashOut" is only valid for FHA, VA, and
Enumerated
USDARuralHousing loans. Conventional loans with
"NoCashOut" need to be submitted as "LimitedCashOut".
Refer to the Fannie Mae Selling Guide for specific
guidance.
CashOut
LimitedCashOut
NoCashOut
Enumerated
ULDD Phase 2
Document Version 2.0.3
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313
315
317
319
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7/23/2012
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2Q-2016
FNM
Implementation
Notes
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
N/A
N/A
N/A
N/A
N/A
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
311
FNM Data
Point
Mandate
Date
FNM Conditionality Details
Revision
New
AtClosi
The value of the financial index,
Code change
ng (Nonexpressed as a percent, used to calculate
to be made
TERMS_OF_
Subject Mods)
IF Sort ID 138-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
DisclosedIndexRatePercent
the Disclosed Fully Indexed Interest Rate
N/A CR CR
as soon as
MORTGAGE
Loan
OR
"AdjustableRate"
that must be disclosed to the borrower for
possible
AtModi
adjustable rate mortgages.
fication
N/A
N/A
N/A
N/A
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
N/A
N/A
N/A
N/A
N/A
R Required for all loans
TERMS_OF_
Specifies the priority of the lien against
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
LienPriorityType
MORTGAGE
the subject property.
AtClosi
Subject
IF Sort ID 397ng (Non- N/A CR CR
Loan
MortgageModificationIndicator = "false"
Mods)
TERMS_OF_
Specifies the purpose for which the loan
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
LoanPurposeType
MORTGAGE
proceeds will be used.
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
TERMS_OF_
Specifies the type of mortgage being
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
MortgageType
MORTGAGE
applied for or that has been granted.
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
R
R Required for all loans
TERMS_OF_
The amount to be repaid as disclosed on
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
NoteAmount
MORTGAGE
the Note.
AtClosi
ng (NonSubject Mods)
N/A
Loan
OR
AtModi
fication
R
R Required for all loans
TERMS_OF_
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
NoteDate
The date on the mortgage or Note.
MORTGAGE
AtClosi
ng (NonSubject Mods)
IF Sort ID 397N/A CR CR
Loan
OR
MortgageModificationIndicator = "false"
AtModi
fication
Page 32 of 114
R
ULDDS
Format
FNM
Format
FNM Supported Enumerations
PriceLockDatetime is the date on which the interest rate
reflected on the note was locked with the borrower (not
the correspondent bank or other non borrower party). The
lock date is required for all loans; however, the time will
be ignored if provided.
Documentati
on change to
AtClosi
be made as
ng (Nonsoon as
PRICE_LOC
The date and time on which the agreement Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/SELECTED_LOAN_PRODUCT/PRICE_LOCKS/PRICE_LOCK
PriceLockDatetime
N/A R
possible K
to lock a price was made.
Loan
OR
validate for
AtModi
potential
fication
code change
N/A
FNM Implementation Notes
YYYY-MMWith time extensions, Sellers must submit the original
DD
PriceLockDatetime for the borrower unless the extension
results in a change to the interest rate. If the extension
results in a change to the interest rate, the Seller must
submit the date of the price lock extension as this will
represent the interest rate that will be on the note.
YYYY-MMDD
Enter the index value used to calculate the disclosed
interest rate on the final Truth-in-Lending (TILA)
Disclosure statement.
Percent 3.4
Percent 3.4
Enter the value of the index
(IndexSourceTypeOtherDescription (Sort ID 111)) used
to generate the closing documents.
Supply only for unmodified loans; LoanStateType equals
Enumerated
"AtClosing".
R Required for all loans
For MBS, all loans in the pool must have the same
MortgageType.
FirstLien
SecondLien
Enumerated
Enumerated
Purchase
Refinance
Enumerated
Enumerated
Conventional
FHA
USDARuralHousing
VA
Enumerated
Amount 9.2
Supply only for unmodified loans; LoanStateType equals YYYY-MM"AtClosing"
DD
Amount 9.2
YYYY-MMDD
ULDD Phase 2
Document Version 2.0.3
322
325
326
327
328
332
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
7/23/2012
2Q-2016
7/23/2012
7/23/2012
N/A
N/A
ULDDS Format
Enumeration
Change
FNM Format
N/A
Enumeration
Change
N/A
N/A
N/A
N/A
Revision
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality Details
N/A
AtClosi
ng (NonTERMS_OF_
The actual interest rate as disclosed on the Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
NoteRatePercent
N/A
MORTGAGE
Note.
Loan
OR
AtModi
fication
N/A
AtClosi
ng (NonAUTOMATE
A unique identifier assigned by the
IF Sort ID 326AutomatedUnderwritingCaseIdentifie
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/UNDERWRITING/AUTOMATED_UNDERWRITINGS/AUTOMATED_UNDERWRITING
D_UNDERW
underwriting system to the underwriting
N/A CR CR AutomatedUnderwritingSystemType =
r
Loan
OR
RITING
case for a specific loan application.
"DesktopUnderwriter"
AtModi
fication
R
R Required for all loans
AtClosi
Code change
ng (NonAUTOMATE
The loan approval recommendation
IF Sort ID 326to be made
AutomatedUnderwritingRecommend
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/UNDERWRITING/AUTOMATED_UNDERWRITINGS/AUTOMATED_UNDERWRITING
D_UNDERW
determined by the automated underwriting
N/A CR CR AutomatedUnderwritingSystemType =
as soon as
ationDescription
Loan
OR
RITING
system.
"DesktopUnderwriter"
possible
AtModi
fication
N/A
Revision
XPath
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
321
FNM Data
Point
Mandate
Date
N/A
FNM Implementation Notes
The only reasonable values supported at this time are
restricted to a format of Percent 2.4
N/A
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
N/A
N/A
Used as an attribute on LOAN to
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN
LOAN
LoanRoleType
distinguish subject loans from related
loans.
Subject
Loan
R
R Required for all loans
AtClosi
IF Sort ID 397ng
N/A CR CR
MortgageModificationIndicator = "true"
(Mods)
Page 33 of 114
Percent 3.4
*Percent 2.4
*String 10
Enumerated
ApproveEligible
ApproveIneligible
EAIEligible
EAIIneligible
EAIIEligible
EAIIIneligible
EAIIIEligible
EAIIIIneligible
Error
OutofScope
ReferEligible
ReferIneligible
ReferWithCaution
ReferWithCautionIV
Unknown
Enumerated
Enumerated
DesktopUnderwriter
Other
Enumerated
Enumerated
GuaranteedUnderwritingSystem
Enumerated
Supply "true" if the loan underwriting decision is based
on manual underwriting and not the recommendation
from an automated underwriting system.
Boolean
false
true
Boolean
Submit this LOAN container (SortIDs 332-351) with
origination data for modified loans being delivered to
FNM. Use LOAN container with LoanStateType equal
"AtModification" (SortIDs 93-331) with all data points
updated to reflect modified loan. Some values may not
have changed.
Enumerated
SubjectLoan
Enumerated
This data point only applies if a DU Casefile ID exists.
At this time the only accepted values are the provided
enumerated values.
Documentati
on change to
AtClosi
be made as
A free-form text field used to collect
ng (NonAUTOMATE
IF Sort ID 326soon as
AutomatedUnderwritingSystemType additional information when Other is
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/UNDERWRITING/AUTOMATED_UNDERWRITINGS/AUTOMATED_UNDERWRITING
D_UNDERW
N/A CR CR AutomatedUnderwritingSystemType =
possible OtherDescription
selected for Automated Underwriting
Loan
OR
RITING
"Other"
validate for
System Type.
AtModi
potential
fication
code change
N/A
FNM
Format
FNM Supported Enumerations
A ten-digit alphanumeric value (Casefile ID) used to
identify the unique number that Desktop Underwriter®
(DU®) assigned to the mortgage when it was submitted
String 20
for an underwriting evaluation, which is used for tracking
subsequent activity related to the mortgage. If no DU
Casefile ID exists, do not provide this data point.
AtClosi
ng (NonAUTOMATE
The type of automated underwriting
Subject Mods)
IF Sort ID 328MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/UNDERWRITING/AUTOMATED_UNDERWRITINGS/AUTOMATED_UNDERWRITING
D_UNDERW AutomatedUnderwritingSystemType
N/A CR CR
system used to evaluate the loan.
Loan
OR
LoanManualUnderwritingIndicator = "false"
RITING
AtModi
fication
AtClosi
ng (NonUNDERWRI
Indicates that the loan was manually
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/UNDERWRITING/UNDERWRITING_DETAIL
TING_DETAI LoanManualUnderwritingIndicator
N/A
underwritten.
Loan
OR
L
AtModi
fication
ULDDS
Format
ULDD Phase 2
Document Version 2.0.3
332.1
7/23/2012
2Q-2016
ULDDS
Conditionality
Revision
332.2
7/23/2012
2Q-2016
ULDDS
Conditionality
Revision
333
335
7/23/2012
7/23/2012
2Q-2016
FNM
Implementation
Notes
2Q-2016
Enumeration
Change
Revision
Revision
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
Documentati
on change to
INTEREST_
Send two instances of the
be made as
RATE_PER_
Specifies whether the occurrence of the
AtClosi
INTEREST_RATE_PER_CHANGE_ADJUSTMENT_R
soon as
Subject
IF Sort ID 333-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE
CHANGE_A AdjustmentRuleType
adjustment is the first change or a
ng
N/A CR CR
ULE container. In the first container,
Enumerated
possible Loan
"AdjustableRate"
DJUSTMEN
subsequent change.
(Mods)
AdjustmentRuleType = "First". In the second container
validate for
T_RULE
AdjustmentRuleType = "Subsequent".
potential
code change
Documentati
on change to
INTEREST_
be made as
RATE_PER_
The number of months between rate
AtClosi
soon as
PerChangeRateAdjustmentFrequency
Subject
IF Sort ID 333-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE
CHANGE_A
adjustments, if the interest rate on the
ng
N/A CR CR
Numeric 3
possible MonthsCount
Loan
"AdjustableRate"
DJUSTMEN
SubjectLoan loan can change.
(Mods)
validate for
T_RULE
potential
code change
Documentati
on change to
be made as
A classification or description of a loan
AtClosi
soon as
AMORTIZA
Subject
IF Sort ID 397If the loan is a balloon the BalloonIndicator (Sort ID 337)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/AMORTIZATION/AMORTIZATION_RULE
LoanAmortizationType
generally based on the changeability of the
ng
N/A CR CR
Enumerated
possible TION_RULE
Loan
MortgageModificationIndicator = "true"
must equal "true".
rate or payment over time.
(Mods)
validate for
potential
code change
Code change
INTEREST_
AtClosi
to be made
Defines the method used to calculate the Subject
IF Sort ID 397MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INTEREST_CALCULATION/INTEREST_CALCULATION_RULES/INTEREST_CALCULATION_RULE
CALCULATI InterestCalculationType
ng
N/A CR CR
as soon as
interest on the loan.
Loan
MortgageModificationIndicator = "true"
ON_RULE
(Mods)
possible
Documentati
on change to
be made as
Indicates whether or not a final balloon
AtClosi
soon as
LOAN_DET
payment is required under the terms of the Subject
IF Sort ID 397MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
BalloonIndicator
ng
N/A CR CR
possible AIL
loan repayment schedule to fully pay off
Loan
MortgageModificationIndicator = "true"
(Mods)
validate for
the loan.
potential
code change
Documentati
on change to
be made as
AtClosi
soon as
LOAN_DET InitialFixedPeriodEffectiveMonthsCo The number of months that the initial
Subject
IF Sort ID 333-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
ng
N/A CR CR
possible AIL
unt
fixed period of a hybrid ARM is in effect. Loan
"AdjustableRate"
(Mods)
validate for
potential
code change
Simple
Enumerated
Boolean
false
true
Boolean
FNM
Implementation
Notes
Revision
337.1
7/23/2012
2Q-2016
ULDDS
Conditionality
Revision
337.2
7/23/2012
11/26/2012
N/A
N/A
N/A
LOAN_DET
Indicates whether loan is set up with
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
InterestOnlyIndicator
AIL
interest-only payments.
Subject
Loan
AtClosi
IF Sort ID 397ng
N/A CR CR
MortgageModificationIndicator = "true"
(Mods)
338
7/23/2012
7/23/2012
N/A
N/A
N/A
LOAN_STAT
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_STATE
LoanStateDate
Specifies the date for the Loan State Type.
E
Loan
AtClosi
IF Sort ID 397ng
N/A CR CR
MortgageModificationIndicator = "true"
(Mods)
339
7/23/2012
7/23/2012
N/A
N/A
N/A
Identifies the state in time for the
LOAN_STAT
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_STATE
LoanStateType
information associated with this
E
occurrence of LOAN.
Subject
Loan
AtClosi
IF Sort ID 397ng
N/A CR CR
MortgageModificationIndicator = "true"
(Mods)
Enumerated
340
7/23/2012
11/26/2012
N/A
N/A
N/A
MATURITY_
The date when the loan is scheduled to be Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MATURITY/MATURITY_RULE
LoanMaturityDate
RULE
paid in full as reflected on the Note.
Loan
AtClosi
IF Sort ID 397ng
N/A CR CR
MortgageModificationIndicator = "true"
(Mods)
YYYY-MMDD
Page 34 of 114
Numeric 3
Enumerated
2Q-2016
Numeric 3
Boolean
The original note date of loan that was modified.
Enumerated
Enumerated
7/23/2012
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
First
Subsequent
AdjustableRate
Fixed
GraduatedPaymentARM
GraduatedPaymentMortgage
GrowingEquityMortgage
Step
337
If the loan is a balloon the BalloonIndicator must equal
"true."
FNM
Format
FNM Supported Enumerations
Numeric 3
false
true
YYYY-MMDD
Boolean
YYYY-MMDD
AtClosing
Enumerated
YYYY-MMDD
ULDD Phase 2
Document Version 2.0.3
ULDDS
Conditionality
FNM
Conditionality
Party Role Type
Loan State Type
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
FNM
Revision
Effective
Date
Change
Description
(Columns
Updated)
342
7/23/2012
11/26/2012
N/A
N/A
N/A
PAYMENT_
Specifies the frequency of the mortgage
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/PAYMENT/PAYMENT_RULE
PaymentFrequencyType
RULE
payment.
Subject
Loan
AtClosi
IF Sort ID 397ng
N/A CR CR
MortgageModificationIndicator = "true"
(Mods)
344
7/23/2012
11/26/2012
N/A
N/A
N/A
The date of the first scheduled mortgage
PAYMENT_
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/PAYMENT/PAYMENT_RULE
ScheduledFirstPaymentDate
payment to be made by the borrower
RULE
under the terms of the mortgage.
Subject
Loan
AtClosi
IF Sort ID 397ng
N/A CR CR
MortgageModificationIndicator = "true"
(Mods)
YYYY-MMDD
345
7/23/2012
7/23/2012
N/A
N/A
N/A
TERMS_OF_
Specifies the priority of the lien against
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
LienPriorityType
MORTGAGE
the subject property.
Subject
Loan
AtClosi
IF Sort ID 397ng
N/A CR CR
MortgageModificationIndicator = "true"
(Mods)
Enumerated
FirstLien
SecondLien
Enumerated
Subject
Loan
AtClosi
IF Sort ID 397ng
N/A CR CR
MortgageModificationIndicator = "true"
(Mods)
Enumerated
Conventional
FHA
USDARuralHousing
VA
Enumerated
Data Point Data Point
New /
Change
Revision
Type
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality Details
FNM Implementation Notes
PaymentFrequencyType must equal "Monthly".
ULDDS
Format
Enumerated
FNM
Format
FNM Supported Enumerations
Monthly
Enumerated
YYYY-MMDD
347
7/23/2012
11/26/2012
N/A
N/A
N/A
TERMS_OF_
Specifies the type of mortgage being
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
MortgageType
MORTGAGE
applied for or that has been granted.
349
7/23/2012
7/23/2012
N/A
N/A
N/A
TERMS_OF_
The amount to be repaid as disclosed on
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
NoteAmount
MORTGAGE
the Note.
Subject
Loan
AtClosi
IF Sort ID 397ng
N/A CR CR
MortgageModificationIndicator = "true"
(Mods)
Amount 9.2
Amount 9.2
350
7/23/2012
7/23/2012
N/A
N/A
N/A
TERMS_OF_
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
NoteDate
The date on the mortgage or Note.
MORTGAGE
Subject
Loan
AtClosi
IF Sort ID 397ng
N/A CR CR
MortgageModificationIndicator = "true"
(Mods)
YYYY-MMDD
YYYY-MMDD
351
7/23/2012
11/26/2012
N/A
N/A
N/A
TERMS_OF_
The actual interest rate as disclosed on the Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
NoteRatePercent
MORTGAGE
Note.
Loan
AtClosi
IF Sort ID 397ng
N/A CR CR
MortgageModificationIndicator = "true"
(Mods)
Percent 3.4
Percent 3.4
352
7/23/2012
7/23/2012
N/A
N/A
N/A
Used as an attribute on LOAN to
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN
LOAN
LoanRoleType
distinguish subject loans from related
loans.
N/A
RATE_OR_P
AYMENT_C
The date on which the next interest rate
Subject
IF Sort ID 138-LoanAmortizationType =
The next interest change date occurring after the
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/RATE_OR_PAYMENT_CHANGE_OCCURRENCES/RATE_OR_PAYMENT_CHANGE_OCCURRENCE
NextRateAdjustmentEffectiveDate
Current N/A CR CR
HANGE_OC
adjustment goes into effect.
Loan
"AdjustableRate"
mortgage is delivered to the GSE.
CURRENCE
355
7/23/2012
7/23/2012
367
7/23/2012
7/23/2012
368
7/23/2012
2Q-2016
369
374
7/23/2012
7/23/2012
7/23/2012
7/23/2012
N/A
N/A
FNM
Implementation
Notes
N/A
N/A
N/A
N/A
Revision
Subject
Current N/A
Loan
R
R Required for all loans
Enumerated
YYYY-MMDD
INTEREST_
The dollar amount of interest accrued on
IF Sort ID 215-InterestCalculationType =
The remaining interest that is due from the prior period.
CALCULATI
Subject
N/A
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INTEREST_CALCULATION/INTEREST_CALCULATION_OCCURRENCES/INTEREST_CALCULATION_OCCURRENCE
CurrentAccruedInterestAmount
the loan between the last paid installment
Current N/A CR CR "Simple" AND Sort ID 214The only reasonable values supported at this time are
Amount 9.2
ON_OCCUR
Loan
date and the date reported.
InterestCalculationPeriodType = "Day"
restricted to a format of Amount 7.2.
RENCE
This data point collects the Special Feature Codes (SFCs)
Code change
An investor-specified identifier used to
INVESTOR_
Subject
at the loan level. There is a limit of ten values that can be
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INVESTOR_FEATURES/INVESTOR_FEATURE
InvestorFeatureIdentifier
identify a loan feature not defined by other
Current N/A CR CR IF applies
String 3
FEATURE
Loan
delivered for the InvestorFeatureIdentifier. Values must
2Q-2016
attributes.
be numeric.
N/A
N/A
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
N/A
N/A
The guaranty fee rate prior to applying any
adjustments, such as buyup/buydown.
This can be specified in a price sheet,
INVESTOR_
commitment, or other agreement. The
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INVESTOR_LOAN_INFORMATION
LOAN_INFO BaseGuarantyFeePercent
guaranty fee is a portion of the interest on
Current N/A CI
Loan
RMATION
the loan that is paid to a party to ensure
the timely payment of principal and
interest to the holders of securities backed
by the loan.
CR Required for MBS loans
Contractual guaranty fee (after adjusting
INVESTOR_
for the alternate payment method (APM)
GuarantyFeeAfterAlternatePaymentM
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INVESTOR_LOAN_INFORMATION
LOAN_INFO
remittance cycle, if applicable) for an
Current N/A CI
ethodPercent
Loan
RMATION
Mortgage Backed Security (MBS) pool
mortgage.
CR Required for MBS loans
Page 35 of 114
The Base Guaranty Fee does not include any adjustment
to reflect the Alternative Payment Method (APM)
remittance cycle or a buyup or buydown of the guaranty
fee.
SubjectLoan
Enumerated
YYYY-MMDD
*Amount 7.2
*Numeric 3
Percent 3.4
*Percent 2.4
Value should be reflected as a percentage, not as basis
points. The only reasonable values supported at this time Percent 3.4
are restricted to a format of Percent 2.4
*Percent 2.4
Value should be reflected as a percentage, not as basis
points. The only reasonable values supported at this time
are restricted to a format of Percent 2.4
ULDD Phase 2
Document Version 2.0.3
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
FNM Conditionality Details
375
7/23/2012
7/23/2012
N/A
N/A
N/A
The guaranty fee rate after applying all
adjustments to the guaranty fee, such as
INVESTOR_
buyup/buydown. The guaranty fee is a
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INVESTOR_LOAN_INFORMATION
LOAN_INFO GuarantyFeePercent
portion of the interest on the loan that is
Current N/A CI
Loan
RMATION
paid to a party to guarantee the timely
payment of interest and principal to the
holders of securities backed by the loan.
376
7/23/2012
7/23/2012
N/A
N/A
N/A
INVESTOR_
Identifies the collateral program
Subject
IF Sort ID 89-PropertyValuationMethodType
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INVESTOR_LOAN_INFORMATION
LOAN_INFO InvestorCollateralProgramIdentifier associated with the loan as identified by a
Current N/A CR CR
Loan
= "None"
RMATION
specific entity.
378
7/23/2012
7/23/2012
N/A
N/A
N/A
INVESTOR_
Identifies the percentage amount of the
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INVESTOR_LOAN_INFORMATION
LOAN_INFO InvestorOwnershipPercent
Current N/A
loan owned by the investor.
Loan
RMATION
R
CR Required for MBS loans
R Required for all loans
FNM Implementation Notes
ULDDS
Format
Value should be reflected as a percentage, not as basis
points. Zero is a valid value. The only reasonable values
Percent 3.4
supported at this time are restricted to a format of Percent
2.4
Enumerated
Specify the contractual percent of interest that Fannie
Mae will be purchasing for a cash delivery or an MBS
pool of participation interests. If no contractual
ownership arrangement exists, this value should equal
100. The only reasonable values supported at this time
are restricted to a format of 3 numeric digits.
FNM
Format
FNM Supported Enumerations
*Percent 2.4
DURefiPlusPropertyFieldworkWaiver
DUPropertyInspectionReportForm2075
Level1PropertyInspectionWaiver
Enumerated
Percent 3.4
*Numeric 3
String 10
*Numeric 5
---DD
---DD
All loans in the pool or commitment must have the same
InvestorOwnershipPercent. This data is requested at both
the loan and pool level.
379
380
381
385
389
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
2Q-2016
N/A
N/A
N/A
FNM
Implementation
Notes
FNM
Implementation
Notes
N/A
N/A
Revision
CR
N/A
INVESTOR_
The day of the month on which principal
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INVESTOR_LOAN_INFORMATION
LOAN_INFO InvestorRemittanceDay
and interest for the loan are remitted by
Current N/A CI
Loan
RMATION
the servicer to the investor.
CR Required for MBS loans
N/A
This describes the contractual accounting
INVESTOR_
method used to calculate the funds
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INVESTOR_LOAN_INFORMATION
LOAN_INFO InvestorRemittanceType
Current N/A CI
received by the servicer from the borrower Loan
RMATION
that are due to the investor.
N/A
N/A
Revision
INVESTOR_
Specifies the investor identifier associated Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INVESTOR_LOAN_INFORMATION
LOAN_INFO InvestorProductPlanIdentifier
Current N/A CI
with the loan product being financed.
Loan
RMATION
Documentati
on change to
be made as
INVESTOR_
The scheduled unpaid principal balance of
soon as
LoanAcquisitionScheduledUPBAmo
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INVESTOR_LOAN_INFORMATION
LOAN_INFO
the mortgage as of loan acquisition or the
Current N/A CI
possible unt
Loan
RMATION
issue date of the associated security.
validate for
potential
code change
Documentati
on change to
be made as
INVESTOR_
soon as
Indicates the party that bears the default
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INVESTOR_LOAN_INFORMATION
LOAN_INFO LoanDefaultLossPartyType
Current N/A CI
possible loss for the loan.
Loan
RMATION
validate for
potential
code change
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
Page 36 of 114
IF Sort ID 138-LoanAmortizationType =
"AdjustableRate"
R Required for all loans
For MBS, all loans in the pool must have the same
InvestorProductPlanIdentifier.
The only reasonable values at this time are 5-digit
numerics.
Format = "---DD". For example, the 18th would be
represented as "---18".
For an MBS Express pool, indicate "---04" even though
the remittances can actually take place on two different
dates.
For MBS, all loans in the pool must have the same
InvestorRemittanceDay.
All values are valid for Cash.
The value of "ScheduledInterestScheduledPrincipal" is
the only valid value for MBS.
Enumerated
CR Required for MBS loans
The Issue Date Principal Balance is the scheduled
balance for an MBS loan as of the issue date for the pool.
If the payment is due on the first of the month, indicate
the balance after application of the principal portion of
Amount 9.2
the payment due in the issue month (otherwise, indicate
the balance after application of the principal portion of
the payment due in the month preceding the issue date).
If left blank, the system will calculate this value.
CR Required for MBS loans
Used in conjunction with REOMarketingPartyType (Sort
ID 391) to determine Foreclosure Loss Risk Code.
Maps to Foreclosure Loss Risk Code as follows:
F = LoanDefaultLossPartyType="Investor" and
REOMarketingPartyType="Investor"
L = LoanDefaultLossPartyType="Lender" and
Enumerated
REOMarketingPartyType="Lender"
S = LoanDefaultLossPartyType="Shared" and
REOMarketingPartyType="Lender"
M = LoanDefaultLossPartyType="Shared" and
REOMarketingPartyType="Investor"
ActualInterestActualPrincipal
ScheduledInterestActualPrincipal
ScheduledInterestScheduledPrincipal
Enumerated
Amount 9.2
Investor
Lender
Shared
Enumerated
ULDD Phase 2
Document Version 2.0.3
FNM
Implementation
Notes
Parent
Container
MISMO Data Point Name
MISMO Definition
Documentati
on change to
be made as
INVESTOR_
soon as
Identifies the party responsible for
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INVESTOR_LOAN_INFORMATION
LOAN_INFO REOMarketingPartyType
Current N/A CI
possible marketing the property in case of default.
Loan
RMATION
validate for
potential
code change
391
7/23/2012
2Q-2016
393
7/23/2012
7/23/2012
N/A
N/A
N/A
394
7/23/2012
7/23/2012
N/A
N/A
N/A
395
7/23/2012
7/23/2012
N/A
N/A
N/A
397
7/23/2012
7/23/2012
N/A
N/A
N/A
LOAN_DET
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
MortgageModificationIndicator
Indicates that a loan modification exists.
AIL
N/A
The unique identifier of the commitment
LOAN_IDEN
that states the terms under which a loan
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_IDENTIFIERS/LOAN_IDENTIFIER
InvestorCommitmentIdentifier
Current N/A CI
TIFIER
seller and an investor agree to exchange
Loan
loans for funds, securities, or other assets.
399
400
401
402
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
N/A
N/A
N/A
N/A
Revision
XPath
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
N/A
N/A
N/A
N/A
N/A
N/A
N/A
FNM Conditionality Details
CR Required for MBS loans
LOAN_COM
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_COMMENTS/LOAN_COMMENT
LoanCommentText
The text of the loan comment.
Current N/A CI CR IF applies
MENT
Loan
LOAN_DET
When true, indicates that the balloon loan Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
BalloonResetIndicator
Current N/A CR CR IF Sort ID 499-BalloonIndicator = "true"
AIL
has been reset.
Loan
LOAN_DET
The current interest rate, expressed as a
Subject
IF Sort ID 138-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
CurrentInterestRatePercent
Current N/A CR CR
AIL
percent, for this loan.
Loan
"AdjustableRate"
Subject
Current N/A
Loan
R
R Required for all loans
Used in conjunction with LoanDefaultLossPartyType
(Sort ID 389) to determine Foreclosure Loss Risk Code.
Maps to Foreclosure Loss Risk Code as follows:
F = LoanDefaultLossPartyType="Investor" and
REOMarketingPartyType="Investor"
L = LoanDefaultLossPartyType="Lender" and
REOMarketingPartyType="Lender"
S = LoanDefaultLossPartyType="Shared" and
REOMarketingPartyType="Lender"
M = LoanDefaultLossPartyType="Shared" and
REOMarketingPartyType="Investor"
Enumerated
Only the first 60 characters will be accepted at this time.
String 100
Boolean
The only reasonable values supported at this time are
restricted to a format of Percent 2.4
FNM
Format
FNM Supported Enumerations
Investor
Lender
Enumerated
*String 60
false
true
Boolean
Percent 3.4
If a modification has been made to the loan, then the
MortgageModificationIndicator must = "true". PostBoolean
closing corrections are not considered loan modifications.
CR Required for Cash loans
Number used by MERS to identify loans.
LOAN_IDEN
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_IDENTIFIERS/LOAN_IDENTIFIER
MERS_MINIdentifier
Referred to as the Mortgage Identification
Current N/A CR CR IF loan is registered with MERS
TIFIER
Loan
Number (MIN).
R
ULDDS
Format
*Percent 2.4
false
true
Boolean
Use the identifier assigned when the lender obtained the
commitment.
A unique identifier for a group of loans
LOAN_IDEN
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_IDENTIFIERS/LOAN_IDENTIFIER
InvestorContractIdentifier
identified as part of a cash pool or a
Current N/A CR CR Required for MBS loans
TIFIER
Loan
security pool.
LOAN_IDEN
A unique identifier assigned by the seller Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_IDENTIFIERS/LOAN_IDENTIFIER
SellerLoanIdentifier
Current N/A
TIFIER
to the loan.
Loan
FNM Implementation Notes
R Required for all loans
String 30
*String 6
String 30
*String 6
String 30
*String 18
A valid SellerLoanIdentifier is one that has at least one
non-blank, alphanumeric character. There must be at least
one digit or letter within the field and the following 4
special symbols may not be present (+, ‘, &, #).
String 30
*String 15
At this time the only reasonable values are 6 characters
long.
Use the identifier assigned when the lender obtained the
commitment.
At this time the only reasonable values are 6 characters
long.
The only reasonable values supported at this time are 18
characters long.
At this time the only reasonable values are 15 characters
long.
FNM
Implementation
Notes
404
7/23/2012
2Q-2016
Revision
405
7/23/2012
7/23/2012
N/A
N/A
406
7/23/2012
7/23/2012
N/A
N/A
411
7/23/2012
7/23/2012
N/A
N/A
Documentati
on change to
be made as
Identifies the mortgage program
soon as
LOAN_PRO
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_PROGRAMS/LOAN_PROGRAM
LoanProgramIdentifier
associated with the loan as defined by a
possible GRAM
Loan
specific entity.
validate for
potential
code change
LOAN_STAT
Subject
N/A
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_STATE
LoanStateDate
Specifies the date for the Loan State Type.
E
Loan
Identifies the state in time for the
LOAN_STAT
Subject
N/A
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_STATE
LoanStateType
information associated with this
E
Loan
occurrence of LOAN.
The percentage added to the mortgage
MI_DATA_D LenderPaidMIInterestRateAdjustment
Subject
N/A
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MI_DATA/MI_DATA_DETAIL
interest rate to fund lender-purchased
ETAIL
Percent
Loan
mortgage insurance premiums.
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
Current N/A CR CR IF applies
LoanProgramIdentifier must be populated with
"LoanFirstTimeHomebuyer" when a loan qualifies as a
First Time Homebuyer.
Enumerated
Current N/A
R
R Required for all loans
The date the data is retrieved from the lender’s delivery
system.
YYYY-MMDD
Current N/A
R
R Required for all loans
Current N/A CR CR
Page 37 of 114
IF Sort ID 426-MIPremiumSourceType =
"Lender"
Enumerated
The only reasonable values supported at this time are
restricted to a format of Percent 1.2
Percent 3.4
LoanFirstTimeHomebuyer
Enumerated
YYYY-MMDD
Current
Enumerated
*Percent 1.2
ULDD Phase 2
Document Version 2.0.3
413
7/23/2012
7/23/2012
2Q-2016
7/23/2012
414
7/23/2012
2Q-2016
416
7/23/2012
7/23/2012
FNM
Implementation
Notes
N/A
Enumeration
Change
N/A
Revision
Parent
Container
MISMO Data Point Name
MISMO Definition
Documentati
on change to
be made as
The number assigned by the private
soon as
MI_DATA_D
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MI_DATA/MI_DATA_DETAIL
MICertificateIdentifier
mortgage insurance company to track a
possible ETAIL
loan.
validate for
potential
code change
N/A
Revision
XPath
N/A
To convey the private MI company
MI_DATA_D
short/common name from whom the
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MI_DATA/MI_DATA_DETAIL
MICompanyNameType
ETAIL
private mortgage insurance coverage was
obtained.
A free-form text field used to capture the
Code change
MI_DATA_D MICompanyNameTypeOtherDescript mortgage insurance company name if
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MI_DATA/MI_DATA_DETAIL
ETAIL
ion
Other is selected as the mortgage
2Q-2016
insurance company name.
N/A
N/A
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
412
FNM Data
Point
Mandate
Date
FNM Conditionality Details
Subject
Current N/A CR CR IF conventional MI exists
Loan
FNM Implementation Notes
String 50
Enumerated
Subject
IF Sort ID 413-MICompanyNameType =
Current N/A CR CR
Loan
"Other"
Enumerated
Subject
Current N/A CR CR IF Sort ID 412-MICertificateIdentifier exists
Loan
Only whole numbers are supported at this time.
422
7/23/2012
7/23/2012
N/A
N/A
N/A
MI_DATA_D
The amount of the up-front premium that
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MI_DATA/MI_DATA_DETAIL
MIPremiumFinancedAmount
ETAIL
is financed.
423
7/23/2012
7/23/2012
N/A
N/A
N/A
MI_DATA_D
Indicates whether mortgage insurance
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MI_DATA/MI_DATA_DETAIL
MIPremiumFinancedIndicator
ETAIL
premium has been added to loan amount.
Subject
Current N/A CR CR IF Sort ID 412-MICertificateIdentifier exists
Loan
7/23/2012
7/23/2012
N/A
N/A
N/A
MI_DATA_D
Defines the source of the MI premium
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MI_DATA/MI_DATA_DETAIL
MIPremiumSourceType
ETAIL
payment.
Subject
Current N/A CR CR IF Sort ID 412-MICertificateIdentifier exists
Loan
*String 10
For FHA Powersaver loan include the Product ID in this
field.
Subject
Current N/A CR CR IF Sort ID 412-MICertificateIdentifier exists
Loan
MI_DATA_D
The percentage of mortgage insurance
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MI_DATA/MI_DATA_DETAIL
MICoveragePercent
ETAIL
coverage obtained.
FNM
Format
FNM Supported Enumerations
At this time the only reasonable values are 10 characters
long.
Indicates the amount of any single mortgage insurance
premium that is financed as part of the original loan
Subject
IF Sort ID 423-MIPremiumFinancedIndicator
Current N/A CR CR
amount.
Loan
= "true"
The only reasonable values supported at this time are
restricted to a format of Amount 5.2
426
ULDDS
Format
CMG
Essent
Genworth
MGIC
Other
PMI
Radian
RMIC
Triad
UGI
ArchMI
CAHLIF
MDHousing
MIF
NMI
SONYMA
Enumerated
Enumerated
Percent 3.4
*Numeric 3
Amount 9.2
*Amount 5.2
Boolean
If the MI premiums for the mortgage are either paid
monthly or paid upfront, select the source ("Borrower" or
"Lender") for the payment of the premium(s). If the
premiums are paid both monthly and upfront, select the Enumerated
source of the monthly premium payment only. If MI
Premium Payment Type is "Rate Premium", select
"Lender" as the valid value.
false
true
Boolean
Borrower
Lender
Enumerated
MICanceledBasedOnCurrentLTV
NoMIBasedOnOriginalLTV
Other
Enumerated
The Fannie Mae Selling Guide states that for Refi Plus
loans the lender should deliver a Mortgage Insurance
(MI) Code of 95 for Refi Plus loans with LTVs greater
than 80% and without MI.
429
430
436
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
N/A
N/A
N/A
N/A
N/A
N/A
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
N/A
MI_DATA_D
Specifies the reason that primary mortgage Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MI_DATA/MI_DATA_DETAIL
PrimaryMIAbsenceReasonType
Current N/A CR CR IF conventional MI does not exist
ETAIL
insurance is not required or provided.
Loan
N/A
A free-form text field used to collect
MI_DATA_D PrimaryMIAbsenceReasonTypeOther additional information when Other is
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MI_DATA/MI_DATA_DETAIL
ETAIL
Description
selected for Primary MI Absence Reason
Type.
N/A
PAYMENT_
COMPONEN
The principal and interest amount that is Subject
IF Sort ID 138-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/PAYMENT/PAYMENT_COMPONENT_BREAKOUTS/PAYMENT_COMPONENT_BREAKOUT
PrincipalAndInterestPaymentAmount
Current N/A CR CR
T_BREAKO
part of the total payment being reported.
Loan
"AdjustableRate"
UT
The lender should deliver one of the following values for Enumerated
Refi Plus loans in this data point:
- MI code 97: PrimaryMIAbsenceReasonType =
"MICanceledBasedOnCurrentLTV"
- MI code 95: PrimaryMIAbsenceReasonType =
"NoMIBasedOnOriginalLTV"
Subject
IF Sort ID 429Current N/A CR CR
Loan
PrimaryMIAbsenceReasonType = "Other"
Page 38 of 114
This is the current P&I on the loan and required for
ARMs. If the loan has not been adjusted, it will be the
same as the P&I at closing.
The only reasonable values supported at this time are
restricted to a format of Amount 7.2
Enumerated
Enumerated
Amount 9.2
*Amount 7.2
ULDD Phase 2
Document Version 2.0.3
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
FNM Conditionality Details
438
7/23/2012
7/23/2012
N/A
N/A
N/A
The total amount of principal that has
PAYMENT_
been paid from origination to date over
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/PAYMENT/PAYMENT_SUMMARY
AggregateLoanCurtailmentAmount
Current N/A CR CR IF there are curtailments on the loan
SUMMARY
and above the scheduled principal
Loan
amount.
440
7/23/2012
7/23/2012
N/A
N/A
N/A
PAYMENT_
The due date of last paid installment that Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/PAYMENT/PAYMENT_SUMMARY
LastPaidInstallmentDueDate
Current N/A
SUMMARY
had been collected for the mortgage.
Loan
441
7/23/2012
7/23/2012
N/A
N/A
N/A
IF Sort ID 215-InterestCalculationType =
PAYMENT_
The actual date the last payment by the
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/PAYMENT/PAYMENT_SUMMARY
LastPaymentReceivedDate
Current N/A CR CR "Simple" AND Sort ID 214SUMMARY
borrower was received by the lender.
Loan
InterestCalculationPeriodType = "Day"
442
7/23/2012
2Q-2016
ULDDS
Conditionality
Revision
Documentati
on change to
be made as
soon as
PAYMENT_
The current unpaid principal balance on
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/PAYMENT/PAYMENT_SUMMARY
UPBAmount
Current N/A
possible SUMMARY
the loan.
Loan
validate for
potential
code change
R
R
R Required for all loans
450
7/23/2012
7/23/2012
N/A
N/A
N/A
451
7/23/2012
7/23/2012
N/A
N/A
N/A
LOAN_PRO
Identifies the refinance program associated
Subject
IF Sort ID 315-LoanPurposeType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/SELECTED_LOAN_PRODUCT/LOAN_PRODUCT_DETAIL
DUCT_DET RefinanceProgramIdentifier
with the loan as identified by a specific
Current N/A CR CR
Loan
"Refinance" AND IF applies
AIL
entity.
7/23/2012
7/23/2012
N/A
N/A
N/A
DELINQUEN
The number of times during the past
DelinquentPaymentsOverPastTwelve
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/SERVICING/DELINQUENCY_SUMMARY
CY_SUMMA
twelve months that the payment on the
Current N/A
MonthsCount
Loan
RY
subject loan was delinquent.
496
7/23/2012
7/23/2012
N/A
N/A
N/A
Used as an attribute on LOAN to
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN
LOAN
LoanRoleType
distinguish subject loans from related
loans.
497
7/23/2012
2Q-2016
FNM
Implementation
Notes
Revision
499
7/23/2012
2Q-2016
FNM
Implementation
Notes
Revision
501
7/23/2012
7/23/2012
N/A
N/A
502
7/23/2012
7/23/2012
N/A
N/A
CR IF applies
R Required for all loans
Page 39 of 114
ULDDS
Format
FNM
Format
FNM Supported Enumerations
Amount 9.2
Amount 9.2
YYYY-MMDD
YYYY-MMDD
YYYY-MMDD
YYYY-MMDD
Amount 9.2
Amount 9.2
Although the XML data point is named
FNMHomeImprovementProductType, it does not relate
to home improvement products. This is the existing HIP Enumerated
Product Code, and should be delivered under the terms of
your negotiated contract.
Enumerated
ActualActualBiweekly
ConstructionToPermanent
DailySimpleInterestCashConventional
DailySimpleInterestMBS
GovernmentTitleI
DisasterResponse
DURefiPlus
RefiPlus
A mortgage is considered delinquent when all or part of
the borrower's monthly installment of principal, interest
and, where applicable, escrow remain unpaid:
- As of the close of business on the last business day of
the month, if the due date for the payment is the first day
Numeric 2
of the month, or
- 30 or more actual calendar days as of the close of
business on the last business day of the month, if the due
date for the payment is not the first day of the month.
- For a loan with no delinquencies, enter "0".
Related AtClosi
IF second lien is being delivered, required for
N/A CR CR
Loan
ng
first lien
Documentati
on change to
be made as
A classification or description of a loan
soon as
AMORTIZA
Related AtClosi
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/AMORTIZATION/AMORTIZATION_RULE
LoanAmortizationType
generally based on the changeability of the
N/A
possible TION_RULE
Loan
ng
rate or payment over time.
validate for
potential
code change
Documentati
on change to
be made as
Indicates whether or not a final balloon
soon as
LOAN_DET
payment is required under the terms of the Related AtClosi
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
BalloonIndicator
N/A
possible AIL
loan repayment schedule to fully pay off
Loan
ng
validate for
the loan.
potential
code change
LOAN_STAT
Related AtClosi
N/A
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_STATE
LoanStateDate
Specifies the date for the Loan State Type.
N/A
E
Loan
ng
Identifies the state in time for the
LOAN_STAT
Related AtClosi
N/A
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_STATE
LoanStateType
information associated with this
N/A
E
Loan
ng
occurrence of LOAN.
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
R
For loans delivered with an ApplicationReceivedDate
(SortID 224) on or after December 1, 2011, provide the
loan curtailment amount in the
AggregateCurtailmentAmount and not the
LoanCommentText (Sort ID 393).
R Required for all loans
LOAN_PRO
Denotes the Fannie Mae-specific home
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/SELECTED_LOAN_PRODUCT/LOAN_PRODUCT_DETAIL
DUCT_DET FNMHomeImprovementProductType
Current N/A CI
improvement product.
Loan
AIL
452
FNM Implementation Notes
Enumerated
Enumerated
Enumerated
Numeric 2
RelatedLoan
Enumerated
Enumerated
Boolean
CR CR
IF second lien is being delivered, required for If the loan is a balloon the BalloonIndicator (Sort ID 499)
Enumerated
first lien
must equal "true".
AdjustableRate
Fixed
GraduatedPaymentARM
GraduatedPaymentMortgage
GrowingEquityMortgage
Step
CR CR
IF second lien is being delivered, required for If the loan is a balloon the Balloon Indicator must equal
first lien
"true".
Boolean
false
true
CR CR
IF second lien is being delivered, required for
LoanStateDate equals Note Date of the related loan.
first lien
YYYY-MMDD
CR CR
IF second lien is being delivered, required for
first lien
Enumerated
YYYY-MMDD
AtClosing
Enumerated
ULDD Phase 2
Document Version 2.0.3
ULDDS
Conditionality
FNM
Conditionality
Party Role Type
Loan State Type
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
FNM
Revision
Effective
Date
Change
Description
(Columns
Updated)
503
7/23/2012
7/23/2012
N/A
N/A
N/A
504
7/23/2012
7/23/2012
N/A
N/A
N/A
506
7/23/2012
7/23/2012
N/A
N/A
N/A
The date of the first scheduled mortgage
PAYMENT_
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/PAYMENT/PAYMENT_RULE
ScheduledFirstPaymentDate
payment to be made by the borrower
RULE
under the terms of the mortgage.
507
7/23/2012
7/23/2012
N/A
N/A
N/A
TERMS_OF_
Specifies the priority of the lien against
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
LienPriorityType
MORTGAGE
the subject property.
Related AtClosi
IF second lien is being delivered, required for
N/A CR CR
Loan
ng
first lien
Enumerated
509
7/23/2012
7/23/2012
N/A
N/A
N/A
TERMS_OF_
The amount to be repaid as disclosed on
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
NoteAmount
MORTGAGE
the Note.
Related AtClosi
IF second lien is being delivered, required for
N/A CR CR
Loan
ng
first lien
Amount 9.2
510
511
7/23/2012
7/23/2012
2Q-2016
2Q-2016
512
7/23/2012
2Q-2016
513
7/23/2012
2Q-2016
514
7/23/2012
2Q-2016
515
7/23/2012
2Q-2016
ULDDS
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
ULDDS
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
ULDDS
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
ULDDS
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
ULDDS
Conditionality
FNM
Conditionality
Details
ULDDS
Conditionality
FNM
Conditionality
Details
Data Point Data Point
New /
Change
Revision
Type
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
The scheduled number of periods (as
MATURITY_
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MATURITY/MATURITY_RULE
LoanMaturityPeriodCount
defined by Loan Maturity Period Type)
RULE
after which a debt will mature.
MATURITY_
The unit of time used for defining the
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MATURITY/MATURITY_RULE
LoanMaturityPeriodType
RULE
period over which the loan matures.
FNM Conditionality Details
FNM Implementation Notes
Related AtClosi
IF second lien is being delivered, required for
N/A CR CR
Loan
ng
first lien
ULDDS
Format
FNM
Format
FNM Supported Enumerations
Numeric 3
Numeric 3
Related AtClosi
IF second lien is being delivered, required for
N/A CR CR
LoanMaturityPeriodType must equal "Month".
Enumerated Month
Loan
ng
first lien
For a biweekly payment mortgage, indicate the actual
date the first biweekly payment is due. For an MBS pool
delivery only, the system will convert a first payment date
Related AtClosi
IF second lien is being delivered, required for
YYYY-MMN/A CR CR
that is any day other than the first day of the month as the
Loan
ng
first lien
DD
first day of the following month before it performs any
calculation. This is for editing purposes only--the date is
not physically changed.
FirstLien
Enumerated
YYYY-MMDD
Enumerated
Amount 9.2
Revision
Code change
Used as an attribute on LOAN to
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN
LOAN
LoanRoleType
distinguish subject loans from related
2Q-2016
loans.
Revision
Code change
HELOC_OC CurrentHELOCMaximumBalanceAm The total dollar amount of the line of
Related
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/HELOC/HELOC_OCCURRENCES/HELOC_OCCURRENCE
Current N/A CR CR IF Sort ID 513-HELOCIndicator = "true"
CURRENCE ount
credit as of the date reported.
Loan
2Q-2016
The sum of the drawn and the undrawn HELOC amount
should equal the maximum line of credit. If the
maximum credit line has been modified, enter the greater Amount 9.2
of the maximum home equity line of credit or the amount
drawn.
Amount 9.2
Revision
Code change
HELOC_OC
The outstanding balance of the home
Related
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/HELOC/HELOC_OCCURRENCES/HELOC_OCCURRENCE
HELOCBalanceAmount
Current N/A CR CR IF Sort ID 513-HELOCIndicator = "true"
CURRENCE
equity line of credit (HELOC).
Loan
2Q-2016
Enter the amount drawn (outstanding UPB) as of the Note
Date of the First Lien Mortgage, not the maximum home
Amount 9.2
equity line of credit amount. Enter "0" if no
disbursements have occurred as of the Note Date.
Amount 9.2
Revision
Code change
LOAN_DET
Indicates whether or not a loan is a
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
HELOCIndicator
AIL
HELOC.
2Q-2016
Enter "true" if subordinated financing is a HELOC.
Boolean
Revision
Code change
LOAN_STAT
Related
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_STATE
LoanStateDate
Specifies the date for the Loan State Type.
Current N/A CR CR IF Sort ID 515-LoanStateType exists
E
Loan
2Q-2016
The date the data is retrieved from the lender’s delivery
system.
YYYY-MMDD
Revision
Code change
Identifies the state in time for the
LOAN_STAT
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_STATE
LoanStateType
information associated with this
E
2Q-2016
occurrence of LOAN.
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
Related
Current N/A CR CR IF the subject loan has secondary financing
Loan
IF Sort ID 510-LoanRoleType =
Related
Current N/A CR CR "RelatedLoan" AND Sort ID 515Loan
LoanStateType = "Current"
Related
Current N/A CR CR IF subject loan has secondary financing
Loan
Page 40 of 114
Complete this field if the subject loan has secondary
financing up to 3 related loans.
Enumerated
Enumerated
RelatedLoan
false
true
Enumerated
Boolean
YYYY-MMDD
Current
Enumerated
ULDD Phase 2
Document Version 2.0.3
517
519
7/23/2012
7/23/2012
7/23/2012
2Q-2016
2Q-2016
2Q-2016
ULDDS
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
ULDDS
Conditionality
FNM
Conditionality
Details
Enumeration
Change
ULDDS
Conditionality
FNM
Conditionality
Details
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
516
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
Revision
Code change
PAYMENT_
The current unpaid principal balance on
Related
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/PAYMENT/PAYMENT_SUMMARY
UPBAmount
Current N/A CR CR IF Sort ID 513-HELOCIndicator = "false"
SUMMARY
the loan.
Loan
2Q-2016
Enter the balance of the closed-end subordinate
Mortgage.
Revision
Code change
TERMS_OF_
Specifies the priority of the lien against
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
LienPriorityType
MORTGAGE
the subject property.
2Q-2016
IF Sort ID 510-LoanRoleType =
Related
Current N/A CR CR "RelatedLoan" AND Sort ID 515Loan
LoanStateType = "Current"
There may be up to 3 LOAN Containers with
LoanRoleType = "RelatedLoan” and LoanStateType =
Enumerated
"Current”, but each valid value for LienPriorityType may
be used only once.
Revision
Code change
TERMS_OF_
Specifies the type of mortgage being
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
MortgageType
MORTGAGE
applied for or that has been granted.
2Q-2016
IF Sort ID 510-LoanRoleType =
Related
Current N/A CR CR "RelatedLoan" AND Sort ID 515Loan
LoanStateType = "Current"
Amount 9.2
Enumerated
FNM
Format
FNM Supported Enumerations
Amount 9.2
SecondLien
ThirdLien
FourthLien
Enumerated
Conventional
FHA
USDARuralHousing
VA
Enumerated
Identifies the field appraiser's state license number (or
state certification number in the absence of a license
number) issued by the state in which the subject property
is located.
Only enter the License or Certificate Number as indicated
by the appraisal subcommittee. Do not deliver extra
language that may be included by the appraiser.
525
7/23/2012
2Q-2016
FNM
Conditionality
Details
FNM
Implementation
Notes
ULDDS Format
FNM Format
When the appraiser is a trainee and has a supervisory
appraiser, you must deliver Appraiser Supervisor
Identifier (Sort ID 534), whether or not the appraiser
supervisor signed the appraisal.
Revision
Code change
State license number of the appraiser who
App
When the appraiser is a trainee and has a license ID,
APPRAISER_
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/APPRAISER/APPRAISER_LICENSE
AppraiserLicenseIdentifier
completed the final estimate of value for
N/A
N/A raise CR CR IF Sort ID 528-PartyRoleType = "Appraiser" deliver the trainee's license identifier in Appraiser
String 50
LICENSE
2Q-2016
the subject property.
r
License Identifier (Sort ID 525), and deliver the appraiser
supervisor's license identifier in Appraiser Supervisor
Identifier (Sort ID 534).
String 50
When the appraiser is a trainee and does not have a
license ID, deliver the word "trainee" (lower case) in
Appraiser License Identifier (Sort ID 525) and deliver
appraiser supervisor's license identifier in Appraiser
Supervisor Identifier (Sort ID 534).
528
534
7/23/2012
7/23/2012
7/23/2012
2Q-2016
N/A
FNM
Implementation
Notes
ULDDS Format
FNM Format
N/A
Revision
N/A
Identifies the role that the party plays in
ROLE_DETA
the transaction. Parties may be either a
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType
IL
person or legal entity. A party may play
multiple roles in a transaction.
When the appraiser is not a trainee and there is no
supervisory appraiser, leave the Appraiser Supervisor
Identifier (Sort ID 534) field blank (do not make any
entry such as N/A or none) and deliver the Appraiser
License Identifier (Sort ID 525).
N/A
N/A
App
IF Sort ID 89-PropertyValuationMethodType
raise CR CR = "DriveBy" OR "FullAppraisal" OR
r
"PriorAppraisalUsed"
App
Code change
State license number of the appraiser who
raise
IF Sort ID 537-PartyRoleType =
APPRAISER_
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/APPRAISER_SUPERVISOR/APPRAISER_LICENSE
AppraiserLicenseIdentifier
completed the final estimate of value for
N/A
N/A rSup CR CR "AppraiserSupervisor" AND supervisor
LICENSE
2Q-2016
the subject property.
ervi
signed appraisal
sor
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
Page 41 of 114
Enumerated
Identifies the field appraiser's state license number (or
state certification number in the absence of a license
number) issued by the state in which the subject property
is located.
String 50
Appraiser
Enumerated
String 50
Only enter the License or Certificate Number as indicated
by the appraisal subcommittee. Do not deliver extra
language that may be included by the appraiser.
ULDD Phase 2
Document Version 2.0.3
7/23/2012
2Q-2016
FNM
Conditionality
Details
Revision
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
Identifies the role that the party plays in
Code change
ROLE_DETA
the transaction. Parties may be either a
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType
IL
person or legal entity. A party may play
2Q-2016
multiple roles in a transaction.
N/A
N/A
540
7/23/2012
7/23/2012
N/A
N/A
N/A
The first name of the individual
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/INDIVIDUAL/NAME
NAME
FirstName
represented by the parent object.
541
7/23/2012
7/23/2012
N/A
N/A
N/A
The last name of the individual
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/INDIVIDUAL/NAME
NAME
LastName
represented by the parent object.
N/A
N/A
542
7/23/2012
7/23/2012
N/A
N/A
N/A
The middle name of the individual
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/INDIVIDUAL/NAME
NAME
MiddleName
represented by the parent object.
N/A
N/A
543
7/23/2012
7/23/2012
N/A
N/A
N/A
The name suffix of the individual
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/INDIVIDUAL/NAME
NAME
SuffixName
represented by the parent object (e.g., JR
= Junior, SR = Senior, etc.).
N/A
N/A
544
7/23/2012
2Q-2016
FNM
Implementation
Notes
Revision
N/A
N/A
Documentati
on change to
be made as
soon as
LEGAL_ENT
The unparsed name of either an individual
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/LEGAL_ENTITY/LEGAL_ENTITY_DETAIL
FullName
N/A
N/A
possible ITY_DETAIL
or a legal entity.
validate for
potential
code change
545
7/23/2012
7/23/2012
N/A
N/A
N/A
LEGAL_ENT
The description of the entity type of the
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/LEGAL_ENTITY/LEGAL_ENTITY_DETAIL
LegalEntityType
N/A
N/A
ITY_DETAIL
party or organization.
546
7/23/2012
7/23/2012
N/A
N/A
N/A
The description of the Legal Entity Type
LEGAL_ENT
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/LEGAL_ENTITY/LEGAL_ENTITY_DETAIL
LegalEntityTypeOtherDescription
when Other is selected as the option from
N/A
N/A
ITY_DETAIL
the enumerated list.
N/A
N/A
548
7/23/2012
7/23/2012
N/A
N/A
N/A
The address with the address number, predirectional, street name, post-directional,
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ADDRESSES/ADDRESS
ADDRESS
AddressLineText
address unit designators, and address unit
value.
549
7/23/2012
7/23/2012
N/A
N/A
N/A
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ADDRESSES/ADDRESS
ADDRESS
AddressType
Specifies the type of address.
N/A
N/A
554
7/23/2012
7/23/2012
N/A
N/A
N/A
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ADDRESSES/ADDRESS
ADDRESS
CityName
The name of the city.
N/A
N/A
555
7/23/2012
2Q-2016
FNM
Implementation
Notes
Revision
Documentati
on change to
be made as
soon as
The two-character representation of the
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ADDRESSES/ADDRESS
ADDRESS
CountryCode
possible country.
validate for
potential
code change
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
N/A
N/A
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
537
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
IF Sort ID 317-MortgageType =
"Conventional" AND [(Sort ID 89App
PropertyValuationMethodType = "DriveBy"
raise
OR "FullAppraisal" OR
rSup CR CR
"PriorAppraisalUsed") OR Sort ID 90ervi
PropertyValuationMethodTypeOtherDescript
sor
ion = "FieldReview"] AND supervisor signed
appraisal
ULDDS
Format
Enumerated
If the borrower's name is a single name (instead of first
Borr
IF Sort ID 611-PartyRoleType = "Borrower" name and last name), provide the text "Not Applicable" in
owe CR CR
AND Borrower is an individual
the Borrower's First Name field.
r
Only 25 characters are supported at this time.
Borr
If the borrower's name is a single name (instead of first
IF Sort ID 611-PartyRoleType = "Borrower"
owe CR CR
name and last name), provide the single name in the
AND Borrower is an individual
r
Borrower's Last Name field.
Borr
IF Sort ID 611-PartyRoleType = "Borrower"
Only one-character middle initial is supported at this
owe CR CR AND Borrower is an individual AND middle
time.
r
name exists
Borr
IF Sort ID 611-PartyRoleType = "Borrower"
owe CR CR AND Borrower is an individual AND suffix Use abbreviations
r
name exists
AppraiserSupervisor
Borr
owe CR CR IF Sort ID 545-LegalEntityType = "Other"
r
IF Sort ID 611-PartyRoleType = "Borrower"
Borr
AND Sort ID 572owe CR CR BorrowerMailToAddressSameAsPropertyInd
r
icator = "false" AND Sort ID 571BorrowerClassificationType = "Primary"
IF Sort ID 611-PartyRoleType = "Borrower"
Borr
AND Sort ID 572owe CR CR BorrowerMailToAddressSameAsPropertyInd
r
icator = "false" AND Sort ID 571BorrowerClassificationType = "Primary"
IF Sort ID 611-PartyRoleType = "Borrower"
Borr
AND Sort ID 572owe CR CR BorrowerMailToAddressSameAsPropertyInd
r
icator = "false" AND Sort ID 571BorrowerClassificationType = "Primary"
IF Sort ID 611-PartyRoleType = "Borrower"
Borr
AND Sort ID 572owe CR CR BorrowerMailToAddressSameAsPropertyInd
r
icator = "false" AND Sort ID 571BorrowerClassificationType = "Primary"
Page 42 of 114
Enumerated
String 30
*String 25
String 35
String 35
String 30
*String 1
String 4
String 4
Borr
IF Sort ID 611-PartyRoleType = "Borrower" Enter the complete, unparsed name of the non-individual
owe CR CR
String 100
AND Borrower is a legal entity
title holder of the Mortgaged Premises.
r
Borr
IF Sort ID 611-PartyRoleType = "Borrower"
owe CR CR
AND Borrower is a legal entity
r
FNM
Format
FNM Supported Enumerations
*String 35
Enumerated
Corporation
GovernmentEntity
JointVenture
LimitedLiabilityCompany
LimitedPartnership
NonProfitCorporation
Other
Partnership
Enumerated
Enumerated
LandTrustAndBeneficiaryIsIndividual
LivingTrust
Enumerated
String 100
Enumerated
String 50
Enter two-character code from the International
Organization for Standardization (ISO) 3166-1-alpha-2
code list at
String 2
http://www.iso.org/iso/country_codes/iso_3166_code_lis
ts/country_names_and_code_elements.htm
String 100
Mailing
Enumerated
String 50
String 2
ULDD Phase 2
Document Version 2.0.3
7/23/2012
7/23/2012
N/A
FNM
Implementation
Notes
N/A
Revision
N/A
7/23/2012
2Q-2016
567
7/23/2012
7/23/2012
N/A
N/A
N/A
568
7/23/2012
7/23/2012
N/A
N/A
N/A
7/23/2012
2Q-2016
FNM
Implementation
Notes
Revision
572
7/23/2012
2Q-2016
FNM
Conditionality
Details
Revision
573
576
577
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
N/A
N/A
N/A
Parent
Container
MISMO Data Point Name
MISMO Definition
The postal code (ZIP Code in the US) for
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ADDRESSES/ADDRESS
ADDRESS
PostalCode
the address. ZIP Code may be either 5 or 9
digits.
Documentati
on change to
be made as
The two-character representation of the
soon as
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ADDRESSES/ADDRESS
ADDRESS
StateCode
US state, US Territory, Canadian
possible Province, Military APO FPO, or Territory.
validate for
potential
code change
560
571
XPath
N/A
N/A
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
557
FNM Data
Point
Mandate
Date
FNM Conditionality Details
N/A
N/A
N/A
String 9
String 9
N/A
IF Sort ID 611-PartyRoleType = "Borrower"
AND Sort ID 572Borr
BorrowerMailToAddressSameAsPropertyInd
owe CR CR icator = "false" AND Sort ID 571r
BorrowerClassificationType = "Primary"
AND (Sort ID 555-CountryCode = "US" OR
"CA")
If the Borrower's mailing address is outside of the United
States or Canada, do not send this data point.
Enter "Official USPS Abbreviation" for State or US
String 2
Possession maintained by the United States Postal
Service (USPS) at http://www.usps.com/send/officialabbreviations.htm
String 2
Borr
BORROWER BorrowerAgeAtApplicationYearsCou The age of the borrower at the time of
IF Sort ID 611-PartyRoleType = "Borrower"
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/BORROWER_DETAIL
N/A
N/A owe CR CR
Only 2 digit numerics are supported at this time.
_DETAIL
nt
application in years.
AND Borrower is an individual
r
Borr
BORROWER
IF Sort ID 611-PartyRoleType = "Borrower"
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/BORROWER_DETAIL
BorrowerBirthDate
Borrower’s date of birth.
N/A
N/A owe CR CR
_DETAIL
AND Borrower is an individual
r
Numeric 3
*Numeric 2
YYYY-MMDD
YYYY-MMDD
Fannie Mae only supports delivery of information for up
to four borrowers. If the loan contains more than four
borrowers, designate a borrower and co-borrowers based
Enumerated
on the "Primary" borrower who signed the mortgage note
and the "Secondary" co-borrowers who signed the
mortgage note.
Boolean
N/A
N/A
COUNSELIN
Specifies the type of mortgage counseling
Borr
IF Sort ID 611-PartyRoleType = "Borrower"
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/COUNSELING_CONFIRMATION
G_CONFIRM CounselingConfirmationType
or education program attended by one or
N/A
N/A owe CR CR AND Sort ID 238-LoanAffordableIndicator =
ATION
more of the borrowers.
r
"true"
N/A
7/23/2012
7/23/2012
N/A
N/A
N/A
579
7/23/2012
7/23/2012
N/A
N/A
N/A
FNM
Format
FNM Supported Enumerations
Valid US format options are either: NNNNN or
NNNNNNNNN (no dash). Valid Canadian format is:
ANA NAN (where "N" is a numeric and "A" is an
alphabetic character).
This datapoint should be submitted in Loan Delivery with
the total monthly income per lender or investor
Borr
guidelines. If income is shared across borrowers, it should
BORROWER
The total monthly borrower income per
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/BORROWER_DETAIL
BorrowerQualifyingIncomeAmount
N/A
N/A owe CR CR IF Sort ID 611-PartyRoleType = "Borrower" only be applied to a single borrower. The combined
Numeric 9
_DETAIL
lender or investor guidelines.
r
monthly income of all borrowers whose income was used
to qualify for the mortgage should be provided in
TotalMonthlyIncomeAmount (Sort ID 291).
578
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
ULDDS
Format
IF Sort ID 611-PartyRoleType = "Borrower"
AND Sort ID 572Borr
BorrowerMailToAddressSameAsPropertyInd
owe CR CR icator = "false" AND Sort ID 571r
BorrowerClassificationType = "Primary"
AND (Sort ID 555-CountryCode = "US" OR
"CA")
Documentati
on change to
be made as
Borr
soon as
BORROWER
Indicates whether the borrower is the
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/BORROWER_DETAIL
BorrowerClassificationType
N/A
N/A owe CR CR IF Sort ID 611-PartyRoleType = "Borrower"
possible _DETAIL
primary or a secondary borrower.
r
validate for
potential
code change
Documentati
on change to
be made as
When true, indicates that the mailing
Borr
IF Sort ID 611-PartyRoleType = "Borrower"
soon as
BORROWER BorrowerMailToAddressSameAsProp
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/BORROWER_DETAIL
address for the borrower is the same as the N/A
N/A owe CR CR AND Sort ID 571possible _DETAIL
ertyIndicator
property address.
r
BorrowerClassificationType = "Primary"
validate for
potential
code change
N/A
FNM Implementation Notes
A free-form text field used to collect
COUNSELIN
Borr
CounselingConfirmationTypeOtherD additional information when Other is
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/COUNSELING_CONFIRMATION
G_CONFIRM
N/A
N/A owe CR CR
escription
selected for Counseling Confirmation
ATION
r
Type.
Identifies the educational setting of the
COUNSELIN
formal borrower homeownership program
Borr
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/COUNSELING_CONFIRMATION
G_CONFIRM CounselingFormatType
in which the borrower participated as a
N/A
N/A owe CR CR
ATION
requirement of a special mortgage
r
program.
COUNSELIN
A free-form text field used to collect
Borr
CounselingFormatTypeOtherDescript
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/COUNSELING_CONFIRMATION
G_CONFIRM
additional information when Other is
N/A
N/A owe CR CR
ion
ATION
selected for Counseling Format Type.
r
Page 43 of 114
Primary
Secondary
Enumerated
false
true
Boolean
Numeric 9
Enumerated
GovernmentAgency
HUDApprovedCounselingAgency
LenderTrainedCounseling
NoBorrowerCounseling
Other
Enumerated
Enumerated
BorrowerDidNotParticipate
MortgageInsuranceCompany
NonProfitOrganization
Enumerated
IF Sort ID 611-PartyRoleType = "Borrower"
AND Sort ID 238-LoanAffordableIndicator =
"true"
Enumerated
BorrowerEducationNotRequired
Classroom
HomeStudy
Individual
Other
Enumerated
IF Sort ID 578-CounselingFormatType =
"Other"
Enumerated
BorrowerDidNotParticipate
Enumerated
IF Sort ID 576-CounselingConfirmationType
= "Other"
ULDD Phase 2
Document Version 2.0.3
582
583
590
596
2Q-2016
7/23/2012
7/23/2012
7/23/2012
2Q-2016
2Q-2016
7/23/2012
7/23/2012
2Q-2016
597
7/23/2012
2Q-2016
598
7/23/2012
7/23/2012
FNM
Implementation
Notes
N/A
N/A
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
FNM
Implementation
Notes
N/A
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
ULDDS
Conditionality
FNM
Conditionality
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
580
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
New
A reference number assigned by the credit
Code change
CREDIT_SC
bureau to a specific credit report. This
Borr
Enter the credit reference number associated with the
to be made
IF Sort ID 611-PartyRoleType = "Borrower"
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/CREDIT_SCORES/CREDIT_SCORE/CREDIT_SCORE_DETAIL
ORE_DETAI CreditReportIdentifier
report number is also referenced when a
N/A
N/A owe CR CR
Borrower credit report used to underwrite the delivered
as soon as
AND Sort ID 590-CreditScoreValue exists
L
Reissue, Upgrade, or Status Query of an
r
loan. This field is N/A for legal entities.
possible
existing report is requested.
Revision
Documentati
on change to
Indicates whether a Credit Repository
be made as
CREDIT_SC
Source is available. If a Credit Repository
Borr
soon as
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/CREDIT_SCORES/CREDIT_SCORE/CREDIT_SCORE_DETAIL
ORE_DETAI CreditRepositorySourceIndicator
Source is available, the source can be
N/A
N/A owe CR CR IF Sort ID 611-PartyRoleType = "Borrower"
possible L
provided in Credit Repository Source
r
validate for
Type.
potential
code change
N/A
N/A
Used in conjunction with CreditRepositorySourceType
(Sort ID 583). The Credit Repository Source Indicator
must equal "false" when the borrower is relying on
nontraditional credit, in instances where the credit score
is invalid due to inaccuracies in the repository's records,
or the credit score is obtained from an ineligible source
(foreign credit scores). The Credit Repository Source
Indicator must equal "false" when the borrower is a legal
entity.
ULDDS
Format
String 30
Boolean
N/A
The enumeration provided in the
CreditRepositorySourceType data point should reflect the
credit bureau used to capture the representative credit
This element describes the source of the
score assigned to the borrower. This data point is used in
CREDIT_SC
Borr
IF Sort ID 611-PartyRoleType = "Borrower"
credit file – Equifax, Experian, Trans
conjunction with CreditRepositorySourceIndicator (sort
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/CREDIT_SCORES/CREDIT_SCORE/CREDIT_SCORE_DETAIL
ORE_DETAI CreditRepositorySourceType
N/A
N/A owe CR CR AND Sort ID 582Enumerated
Union - or Merged Data if the sources are
ID 582). Per Fannie Mae policy, if the lender obtains
L
r
CreditRepositorySourceIndicator = "true"
not specified.
more than one credit score for the borrower, it should
report the credit bureau associated with the lower score
(if two were obtained) or the middle score (if three were
obtained).
N/A
A value indicating the representative credit score
CREDIT_SC
Borr
assigned to the borrower. If the lender obtains more than
Numeric credit score resulting from credit
IF Sort ID 611-PartyRoleType = "Borrower"
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/CREDIT_SCORES/CREDIT_SCORE/CREDIT_SCORE_DETAIL
ORE_DETAI CreditScoreValue
N/A
N/A owe CR CR
one credit score for the borrower, they should report the Numeric 4
evaluation model.
AND credit score exists
L
r
lower score (if two were obtained) or the middle score (if
three were obtained).
FNM
Format
FNM Supported Enumerations
String 30
false
true
Boolean
Equifax
Experian
TransUnion
Enumerated
Numeric 4
New
Code change
Borrower’s answer to the question: Have
Borr
to be made
DECLARATI
you been declared bankrupt within the
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/DECLARATION/DECLARATION_DETAIL
BankruptcyIndicator
N/A
N/A owe CR CR IF Sort ID 611-PartyRoleType = "Borrower"
as soon as
ON_DETAIL
past 7 years? Collected on the URLA in
r
possible
Section VIII, line b.
Enter "true" if the Uniform Residential Loan Application
(URLA), credit report, or other loan documents indicate
Boolean
that the Borrower has declared bankruptcy within the past
7 years. Provide as applicable for legal entities.
false
true
Boolean
Revision
Documentati
Indicates that the borrower qualifies as a
on change to
first time homebuyer as determined by the
IF Sort ID 611-PartyRoleType = "Borrower"
be made as
lender and/or the investor. (Note:
Borr
AND Borrower is an individual AND Sort ID Enter "true" if the Borrower is a First-Time Homebuyer as
soon as
DECLARATI BorrowerFirstTimeHomebuyerIndicat Information provided by the borrower in
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/DECLARATION/DECLARATION_DETAIL
N/A
N/A owe CR CR 315-LoanPurposeType = "Purchase" AND
defined in the Borrower Quick Guide. Borrower data
Boolean
possible ON_DETAIL or
Section VIII, line m, of the URLA,
r
Sort ID 69-PropertyUsageType =
must be delivered for each First-Time Homebuyer.
validate for
regarding ownership of a property in the
"PrimaryResidence"
potential
past three years, may not be relied upon
code change
for this information.)
false
true
Boolean
NonPermanentResidentAlien
PermanentResidentAlien
USCitizen
Enumerated
N/A
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
N/A
Indicates this borrower's U.S. citizenship
Borr
DECLARATI
IF Sort ID 611-PartyRoleType = "Borrower"
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/DECLARATION/DECLARATION_DETAIL
CitizenshipResidencyType
or alien status, as collected on the URLA
N/A
N/A owe CR CR
ON_DETAIL
AND Borrower is an individual
(Section VIII, lines j. and k.).
r
Page 44 of 114
Enumerated
ULDD Phase 2
Document Version 2.0.3
600
608
609
610
611
613
614
2Q-2016
2Q-2016
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
N/A
N/A
N/A
N/A
N/A
FNM
Implementation
Notes
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
ULDDS
Conditionality
FNM
Conditionality
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
599
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
New
Borrowers answer to the question: Have
Code change
you directly or indirectly been obligated
Borr
to be made
DECLARATI LoanForeclosureOrJudgmentIndicato on any loan that resulted in foreclosure,
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/DECLARATION/DECLARATION_DETAIL
N/A
N/A owe CR CR IF Sort ID 611-PartyRoleType = "Borrower"
as soon as
ON_DETAIL r
transfer of title in lieu of foreclosure, or
r
possible
judgment? Collected on the URLA in
Section VIII, line e.
New
Code change
Indicates that in the referenced
Borr
Enter "true" if the referenced income being used to
to be made
EMPLOYME EmploymentBorrowerSelfEmployedI
IF Sort ID 611-PartyRoleType = "Borrower"
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/EMPLOYERS/EMPLOYER/EMPLOYMENT
employment the borrower is selfN/A
N/A owe CR CR
qualify the borrower is from self-employment.
as soon as
NT
ndicator
AND Borrower is an individual
employed.
r
This is N/A for legal entities.
possible
N/A
N/A
N/A
N/A
N/A
Revision
Enter "true" if the URLA, credit report, or other loan
documents indicate the Borrower has been directly or
indirectly obligated on a loan that resulted in foreclosure, Boolean
transfer of title in lieu of foreclosure, or judgment.
Provide as applicable for legal entities.
Boolean
FNM
Format
FNM Supported Enumerations
false
true
Boolean
false
true
Boolean
N/A
GOVERNME
Borr
Use "NotApplicable" if the borrower is a legal entity. If
NT_MONITO
The borrower’s or interviewer’s statement
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/GOVERNMENT_MONITORING/GOVERNMENT_MONITORING_DETAIL
GenderType
N/A
N/A owe CR CR IF Sort ID 611-PartyRoleType = "Borrower" the borrower is a living trust, indicate the gender of the
RING_DETA
about the borrower’s gender.
r
individual who established the trust.
IL
N/A
GOVERNME
The borrower’s or interviewer’s statement
Borr
Use "NotApplicable" if the borrower is a legal entity. If
NT_MONITO
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/GOVERNMENT_MONITORING/GOVERNMENT_MONITORING_DETAIL
HMDAEthnicityType
about the borrower’s ethnicity as defined
N/A
N/A owe CR CR IF Sort ID 611-PartyRoleType = "Borrower" the borrower is a living trust, indicate the ethnicity of the Enumerated
RING_DETA
in the Home Mortgage Disclosure Act.
r
individual who established the trust.
IL
N/A
The borrower’s or interviewer’s statement
about the borrower’s race as defined in the
Borr
Use "NotApplicable" if the borrower is a legal entity. If
HMDA_RAC
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/GOVERNMENT_MONITORING/HMDA_RACES/HMDA_RACE
HMDARaceType
Home Mortgage Disclosure Act. Up to 5
N/A
N/A owe CR CR IF Sort ID 611-PartyRoleType = "Borrower" the borrower is a living trust, indicate the race of the
E
Race Types may be included per
r
individual who established the trust.
borrower.
Enumerated
N/A
Identifies the role that the party plays in
ROLE_DETA
the transaction. Parties may be either a
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType
IL
person or legal entity. A party may play
multiple roles in a transaction.
Enumerated
Borrower
Enumerated
N/A
Specifies the type of identification number
used by the Internal Revenue Service
(IRS) in the administration of tax laws. It
Borr
TAXPAYER_
is issued either by the Social Security
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/TAXPAYER_IDENTIFIERS/TAXPAYER_IDENTIFIER
TaxpayerIdentifierType
N/A
N/A owe CR CR IF Sort ID 611-PartyRoleType = "Borrower"
IDENTIFIER
Administration (SSA) or the IRS. A Social
r
Security number (SSN) is issued by the
SSA; all other taxpayer identification
numbers are issued by the IRS.
Enumerated
EmployerIdentificationNumber
IndividualTaxpayerIdentificationNumber
SocialSecurityNumber
Enumerated
N/A
N/A
Borr
owe
r
R
R Required for all loans
Documentati
on change to
be made as
The value of the taxpayer identifier as
Borr
soon as
TAXPAYER_
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/TAXPAYER_IDENTIFIERS/TAXPAYER_IDENTIFIER
TaxpayerIdentifierValue
assigned by the IRS to the individual or
N/A
N/A owe CR CR IF Sort ID 611-PartyRoleType = "Borrower" Valid format is NNNNNNNNN - Do not enter dashes.
possible IDENTIFIER
legal entity.
r
validate for
potential
code change
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
ULDDS
Format
Page 45 of 114
Enumerated
String 9
Female
InformationNotProvidedUnknown
Enumerated
Male
NotApplicable
HispanicOrLatino
InformationNotProvidedByApplicantInMa
ilInternetOrTelephoneApplication
Enumerated
NotApplicable
NotHispanicOrLatino
AmericanIndianOrAlaskaNative
Asian
BlackOrAfricanAmerican
InformationNotProvidedByApplicantInMa
Enumerated
ilInternetOrTelephoneApplication
NativeHawaiianOrOtherPacificIslander
NotApplicable
White
String 9
ULDD Phase 2
Document Version 2.0.3
621
627
628
634
635
637
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
2Q-2016
7/23/2012
7/23/2012
7/23/2012
N/A
N/A
FNM
Implementation
Notes
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
N/A
N/A
N/A
N/A
N/A
Revision
Revision
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
620
FNM Data
Point
Mandate
Date
FNM Conditionality Details
N/A
Doc
PARTY_ROL
ume
The unique identifier assigned to the party
IF Sort ID 621-PartyRoleType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PARTY_ROLE_IDENTIFIER
E_IDENTIFI PartyRoleIdentifier
N/A
N/A ntC CI CR
role.
"DocumentCustodian"
ER
usto
dian
N/A
Identifies the role that the party plays in
ROLE_DETA
the transaction. Parties may be either a
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType
IL
person or legal entity. A party may play
multiple roles in a transaction.
N/A
N/A
Doc
ume
ntC CI
usto
dian
N/A
N/A
N/A
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
N/A
N/A
N/A
Loa
nOri
gina
tion
Co
mpa
ny
R
N/A
LOAN_ORIG
Specifies the type of party that originated
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/LOAN_ORIGINATOR
LoanOriginatorType
N/A
INATOR
the loan.
N/A
N/A
Identifies the role that the party plays in
ROLE_DETA
the transaction. Parties may be either a
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType
IL
person or legal entity. A party may play
multiple roles in a transaction.
N/A
N/A
Loa
nOri
gina
tor
Loa
nOri
gina
tor
Page 46 of 114
Enumerated
FNM
Format
FNM Supported Enumerations
*String 11
DocumentCustodian
Enumerated
The loan orignation company's unique identifier as
assigned by the Nationwide Mortgage Licensing System
and Registry. The loan origination company is the
company the loan originator is employed by or is
representing as an independent contrator. This field is
associated with Title V requirements mandated by FHFA
and as such is conditional on those requirements.
The only reasonable values supported at this time are 12
numeric digits.
String 50
*Numeric 12
If a state regulated loan origination company does not
have a NMLS ID because they are located in Delaware,
Maine, or Missouri, the Loan Originator Company
Identifier should be populated with the value shown
below for the corresponding state: Delaware = 1001,
Maine = 1002, Missouri = 1003.
R Required for all loans
Loa
PARTY_ROL
The unique identifier assigned to the party
nOri
IF Sort ID 637-PartyRoleType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PARTY_ROLE_IDENTIFIER
E_IDENTIFI PartyRoleIdentifier
N/A
N/A
CR CR
role.
gina
"LoanOriginator"
ER
tor
ULDDS
Format
At this time the only reasonable values are 11 characters
long. If the lender’s Document Custodian is BNY
Mellon, supply 99999398668 as the FIN Number for cash
deliveries. If the lender participates in the ASAP+
program, supply 99999398668 as the FIN Number for all
String 50
deliveries (Cash and MBS). Otherwise, use the lender’s
designated 11 digit BNY Mellon FIN for MBS deliveries.
Lenders that use a Document Custodian other than BNY
Mellon should enter the Document Custodian's 11
character FIN Number.
R Required for all loans
Documentati
Loa
on change to
nOri
be made as
PARTY_ROL
gina
soon as
The unique identifier assigned to the party
IF Sort ID 628-PartyRoleType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PARTY_ROLE_IDENTIFIER
E_IDENTIFI PartyRoleIdentifier
N/A
N/A tion CR CR
possible role.
"LoanOriginationCompany"
ER
Co
validate for
mpa
potential
ny
code change
Documentati
on change to
be made as
Identifies the role that the party plays in
soon as
ROLE_DETA
the transaction. Parties may be either a
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType
possible IL
person or legal entity. A party may play
validate for
multiple roles in a transaction.
potential
code change
FNM Implementation Notes
Enumerated
LoanOriginationCompany
The loan originator's unique identifier as assigned by the
Nationwide Mortgage License System and Registry. This
field is associated with Title V requirements mandated by
FHFA and as such is conditional on those requirements. String 50
Enumerated
*Numeric 12
The only reasonable values supported at this time are 12
numeric digits.
R
R Required for all loans
Enumerated
Broker
Correspondent
Lender
Enumerated
R
R Required for all loans
Enumerated
LoanOriginator
Enumerated
ULDD Phase 2
Document Version 2.0.3
640
641.1
641.2
642
643
645
7/23/2012
7/23/2012
11/26/2012
11/26/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
11/26/2012
7/23/2012
7/23/2012
7/23/2012
N/A
N/A
FNM
Implementation
Notes
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Revision
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
651
7/23/2012
7/23/2012
N/A
N/A
N/A
653
7/23/2012
7/23/2012
N/A
PARTY_ROL
Loa
The unique identifier assigned to the party
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PARTY_ROLE_IDENTIFIER
E_IDENTIFI PartyRoleIdentifier
N/A
N/A nSel CR CR IF Sort ID 640-PartyRoleType = "LoanSeller"
role.
ER
ler
Identifies the role that the party plays in
ROLE_DETA
the transaction. Parties may be either a
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType
IL
person or legal entity. A party may play
multiple roles in a transaction.
N/A
N/A
N/A
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
Loa
nSel
ler
R
Identifies the role that the party plays in
ROLE_DETA
the transaction. Parties may be either a
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType
IL
person or legal entity. A party may play
multiple roles in a transaction.
N/A
N/A
N/A
N/A
Not
IF Sort ID 641.2-PartyRoleType =
ePay CR CR
"NotePayTo"
To
Not
ePay R
To
Paye
CI
e
N/A
Serv
CI
icer
N/A
N/A
N/A CI
N/A
Doc
PARTY_ROL
ume
The unique identifier assigned to the party
MESSAGE/DEAL_SETS/DEAL_SET/PARTIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PARTY_ROLE_IDENTIFIER
E_IDENTIFI PartyRoleIdentifier
N/A
N/A ntC CI
role.
ER
usto
dian
N/A
Identifies the role that the party plays in
ROLE_DETA
the transaction. Parties may be either a
MESSAGE/DEAL_SETS/DEAL_SET/PARTIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType
IL
person or legal entity. A party may play
multiple roles in a transaction.
N/A
FNM
Format
FNM Supported Enumerations
String 50
*Numeric 9
The only reasonable values supported at this time are 9
numeric digits.
Enumerated
LoanSeller
Enumerated
To clarify, on the Note in Section 1. Borrower’s Promise
to Pay, the Seller would provide the name exactly as it
appears after ‘The Lender is’.
String 100
String 100
Sellers should not enter their seller number, loan officer
name, dates or abbreviations in this field. For more
information on SEC Mortgage Funder please see the
FAQ's posted on Fannie Mae's website.
N/A
N/A
The nine-digit numeric identifier assigned by Fannie Mae
to identify the mortgage seller. The Seller Identifier for
the Loan must be the same as that of the Pool.
ULDDS
Format
Enter the company name of the entity funding the
applicable loan, as stated on the note.
R Required for all loans
Doc
ume
ntC CI
usto
dian
Page 47 of 114
Enter "NotePayTo" to indicate that the associated
information applies to the entity funding the applicable
loan, as shown on the note.
CR
IF Sort ID 653-PartyRoleType =
"DocumentCustodian"
CR Required for MBS loans
NotePayTo
Enumerated
String 50
*String 9
The only reasonable values supported at this time are 9
characters long.
Enumerated
The nine-digit numeric identifier assigned by Fannie Mae
to identify the mortgage servicer. The Servicer Identifier
for the Loan must be the same as that of the Pool.
Payee
Enumerated
String 50
*Numeric 9
The only reasonable values supported at this time are 9
numeric digits
R Required for all loans
CR Required for MBS loans AND IF applies
Enumerated
Used to indicate where the purchase proceeds for a cash
delivery are to be sent.
CR Required only for Cash loans
PARTY_ROL
The unique identifier assigned to the party
Serv
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PARTY_ROLE_IDENTIFIER
E_IDENTIFI PartyRoleIdentifier
N/A
N/A
CI CR IF Sort ID 646-PartyRoleType = "Servicer"
role.
icer
ER
Identifies the role that the party plays in
ROLE_DETA
the transaction. Parties may be either a
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType
IL
person or legal entity. A party may play
multiple roles in a transaction.
An investor-specified identifier used to
INVESTOR_
MESSAGE/DEAL_SETS/DEAL_SET/INVESTOR_FEATURES/INVESTOR_FEATURE
InvestorFeatureIdentifier
identify a loan feature not defined by other
FEATURE
attributes.
FNM Implementation Notes
R Required for all loans
N/A
N/A
N/A
FNM Conditionality Details
PARTY_ROL
The unique identifier assigned to the party
Paye
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PARTY_ROLE_IDENTIFIER
E_IDENTIFI PartyRoleIdentifier
N/A
N/A
CI CR IF Sort ID 643-PartyRoleType = "Payee"
role.
e
ER
N/A
N/A
MISMO Definition
N/A
7/23/2012
7/23/2012
MISMO Data Point Name
Identifies the role that the party plays in
ROLE_DETA
the transaction. Parties may be either a
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType
IL
person or legal entity. A party may play
multiple roles in a transaction.
7/23/2012
7/23/2012
Parent
Container
Documentati
on change to
be made as
soon as
LEGAL_ENT
The unparsed name of either an individual
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/LEGAL_ENTITY/LEGAL_ENTITY_DETAIL
FullName
N/A
N/A
possible ITY_DETAIL
or a legal entity.
validate for
potential
code change
646
652
XPath
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
639
FNM Data
Point
Mandate
Date
Enumerated
Servicer
Enumerated
This data point collects the Future Feature Codes (FFCs)
String 3
at the pool level. Values must be numeric.
*Numeric 3
The only reasonable values supported at this time are 11
characters long.
*String 11
String 50
Enumerated
DocumentCustodian
Enumerated
ULDD Phase 2
Document Version 2.0.3
656
658
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
N/A
N/A
N/A
N/A
N/A
N/A
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
N/A
CR Required for MBS loans
N/A
PARTY_ROL
The unique identifier assigned to the party
Serv
MESSAGE/DEAL_SETS/DEAL_SET/PARTIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PARTY_ROLE_IDENTIFIER
E_IDENTIFI PartyRoleIdentifier
N/A
N/A
CI
role.
icer
ER
CR IF Sort ID 659-PartyRoleType = "Servicer"
N/A
N/A
Serv
CI
icer
CR Required for MBS loans
Enumerated
Servicer
Enumerated
N/A
N/A
N/A CI
CR Required for MBS loans
Enumerated
StatedStructure
WeightedAverageStructure
Enumerated
Enumerated
N/A
N/A
N/A
661
7/23/2012
7/23/2012
N/A
N/A
N/A
POOL_DETA
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
PoolAccrualRateStructureType
IL
662
7/23/2012
7/23/2012
N/A
N/A
N/A
POOL_DETA
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
PoolAmortizationType
IL
664
7/23/2012
7/23/2012
N/A
N/A
N/A
POOL_DETA
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
PoolAssumabilityIndicator
IL
665
7/23/2012
7/23/2012
N/A
N/A
N/A
POOL_DETA
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
PoolBalloonIndicator
IL
667
7/23/2012
7/23/2012
N/A
N/A
N/A
N/A
N/A
Specifies the structure used to determine
the accrual interest rate for the pool.
A classification or description for a pool
of loans generally based on the variability
of the rate or payment over time.
Indicates whether the pool is backed by
loans that are assumable by another
borrower.
Indicates whether or not the pool is
backed by loans on which a final balloon
payment is required under the terms of the
loan repayment schedule to fully pay off
the loan.
N/A
N/A
Loa
nSel CI
ler
All loans in the pool must have the same
LoanAmortizationType (Sort ID 138).
Enumerated
N/A
N/A
N/A CI
CR Required for MBS loans
All loans in the pool must have the same
AssumabilityIndicator (Sort ID 225).
Boolean
false
true
Boolean
N/A
N/A
N/A CI
CR Required for MBS loans
All loans in the pool must have the same
BalloonIndicator (Sort ID 226).
Boolean
false
true
Boolean
N/A
N/A
N/A CI
CR
The only reasonable values supported at this time are
restricted to a format of Percent 2.4
Percent 3.4
*Percent 2.4
String 20
*String 6
All loans in the pool must have the same
InterestAndPaymentAdjustmentIndexLeadDaysCount
(Sort ID 113).
Numeric 3
Numeric 3
All loans in the pool must have the same
InterestOnlyIndicator (Sort ID 237).
Boolean
N/A
N/A
N/A CI
CR
N/A
N/A
N/A CI
CR Required for MBS loans
N/A
N/A
670
7/23/2012
7/23/2012
N/A
N/A
N/A
POOL_DETA
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
PoolInterestOnlyIndicator
IL
Indicates whether a pool is backed by
loans with interest-only payments.
*Numeric 9
CR Required for MBS loans
N/A
N/A
String 50
N/A CI
POOL_DETA
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
PoolIdentifier
IL
7/23/2012
Enumerated
N/A
The unique identifier for a group or pool
of loans. May include relevant prefix and
suffix when not parsed into applicable
data points. See Pool Prefix Identifier or
Pool Suffix Identifier.
7/23/2012
Servicer: The nine-digit numeric identifier assigned by
Fannie Mae to identify the mortgage servicer. All loans
in the pool must have the same Servicer Identifier. The
only reasonable values supported at this time are 9
numeric digits.
LoanSeller
N/A
POOL_DETA
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
PoolFixedServicingFeePercent
IL
669
Enumerated
*Numeric 9
AdjustableRate
Fixed
GraduatedPaymentARM
GraduatedPaymentMortgage
GrowingEquityMortgage
Step
The servicing fee to be used in
determining the rate of interest that
accrues on a mortgage backed security
(MBS) pool that has a weighted-average
structure based on a fixed servicing fee.
The number of days prior to an interest
rate effective date used to determine the
POOL_DETA PoolInterestAndPaymentAdjustmentI
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL date for the index value when calculating
IL
ndexLeadDaysCount
both a new interest rate and a principal
and interest payment for a pool of loans.
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
FNM
Format
FNM Supported Enumerations
Identifies the role that the party plays in
ROLE_DETA
the transaction. Parties may be either a
MESSAGE/DEAL_SETS/DEAL_SET/PARTIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType
IL
person or legal entity. A party may play
multiple roles in a transaction.
7/23/2012
N/A
ULDDS
Format
N/A
7/23/2012
7/23/2012
FNM Implementation Notes
LoanSeller: The nine-digit numeric identifier assigned by
Fannie Mae to identify the mortgage seller. All loans in
CR IF Sort ID 656-PartyRoleType = "LoanSeller" the pool must have the same Seller Identifier. The only
String 50
reasonable values supported at this time are 9 numeric
digits.
659
7/23/2012
FNM Conditionality Details
PARTY_ROL
Loa
The unique identifier assigned to the party
MESSAGE/DEAL_SETS/DEAL_SET/PARTIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PARTY_ROLE_IDENTIFIER
E_IDENTIFI PartyRoleIdentifier
N/A
N/A nSel CI
role.
ER
ler
Identifies the role that the party plays in
ROLE_DETA
the transaction. Parties may be either a
MESSAGE/DEAL_SETS/DEAL_SET/PARTIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType
IL
person or legal entity. A party may play
multiple roles in a transaction.
666
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
655
FNM Data
Point
Mandate
Date
N/A
N/A CI
Required for MBS with a weighted MBS
Margin.
CR Required for MBS loans
The number used to identify a single pool or piece of a
multiple pool. Does not include the Prefix or Suffix.
Required for MBS Pool deliveries.
The only reasonable values supported at this time are 6
characters long.
Page 48 of 114
IF Sort ID 662-PoolAmortizationType =
"AdjustableRate" AND MBS
false
true
Boolean
ULDD Phase 2
Document Version 2.0.3
672
673
674
675
676
677
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
N/A
2Q-2016
FNM
Conditionality
Details
FNM
Implementation
Notes
2Q-2016
FNM
Conditionality
Details
FNM
Implementation
Notes
7/23/2012
7/23/2012
7/23/2012
7/23/2012
N/A
N/A
N/A
N/A
N/A
Revision
Revision
N/A
N/A
XPath
Parent
Container
MISMO Data Point Name
POOL_DETA
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
PoolInterestRateRoundingPercent
IL
Documentati
on change to
be made as
soon as
POOL_DETA
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
PoolInterestRateRoundingType
possible IL
validate for
potential
code change
Documentati
on change to
be made as
soon as
POOL_DETA
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
PoolInvestorProductPlanIdentifier
possible IL
validate for
potential
code change
POOL_DETA
N/A
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
PoolIssueDate
IL
N/A
N/A
N/A
N/A
N/A
N/A
MISMO Definition
The percentage to which the interest rate
is rounded when a new interest rate is
calculated for a pool. This field is used in
conjunction with Pool Interest Rate
Rounding Type, which indicates how the
rounding should occur.
Indicates how the interest rate is rounded
when a new interest rate is calculated for a
pool of loans.
N/A
The date a mortgage-backed security is
issued to investors.
N/A
POOL_DETA
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
PoolMaximumAccrualRatePercent
IL
The maximum rate, expressed as a
percent, at which interest can accrue on a
pool.
POOL_DETA
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
PoolMinimumAccrualRatePercent
IL
N/A
N/A
The factor that is added to the ARM index
value to calculate the pool accrual rate.
The minimum rate, expressed as a percent,
at which interest can accrue on a pool.
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
This data point is used in conjunction with
PoolInterestRateRoundingType (Sort ID 672).
All loans in the pool must have the same
InterestRateRoundingPercent (Sort ID 117).
Identifies the plan of the varying loan
payment and/or rate change characteristics
for a pool of loans issued by the servicer.
POOL_DETA
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
PoolMarginRatePercent
IL
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
671
FNM Data
Point
Mandate
Date
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A CI
N/A CI
N/A CI
CR
IF Sort ID 672PoolInterestRateRoundingType exists
Required for MBS IF Sort ID 662CR
PoolAmortizationType = "AdjustableRate"
CR
Required for MBS IF Sort ID 662PoolAmortizationType = "AdjustableRate"
N/A CI
CR Required for MBS loans
N/A CI
Required for MBS IF Sort ID 662PoolAmortization Type = Adjustable Rate
CR
AND Sort ID 666-PoolFixedServicingFee
does not exist
N/A CI
N/A CI
Required for MBS IF Sort ID 662PoolAmortizationType = "AdjustableRate"
CR AND Sort ID 661PoolAccrualRateStructureType =
"StatedStructure"
Required for MBS IF Sort ID 662PoolAmortizationType = "AdjustableRate"
CR AND Sort ID 661PoolAccrualRateStructureType =
"StatedStructure"
This data point is required for Adjustable Rate Mortgage Percent 3.4
(ARM) pools only, along with
PoolInterestRateRoundingType (Sort ID 672). Fannie
Mae is capturing this data at both the loan and pool level
in order to perform validations to ensure all loans in the
pool have consistent rounding characteristics.
Used in conjunction with
PoolInterestRateRoundingPercent (Sort ID 671).
All loans in the pool must have the same
InterestRateRoundingPercent (Sort ID 117).
Enumerated
Percent 3.4
Down
Nearest
NoRounding
Up
Enumerated
All loans in the pool must have the same
InvestorProductPlanIdentifier (Sort ID 379).
String 10
*Numeric 5
Only reasonable values supported at this time are 5
numeric digits.
The month must be the current month or the next month; YYYY-MMthe day must be 01.
DD
Indicates the amount to be added to the index value for an
adjustable-rate mortgage to develop the MBS pool
accrual rate or the weighted-average MBS pool accrual
rate; must be divisible by .125; enter zeroes, if the MBS
Percent 3.4
pool has a weighted-average structure based on a "fixed
servicing fee."
The only reasonable values supported at this time are
restricted to a format of Percent 2.4
YYYY-MMDD
*Percent 2.4
Must be evenly divisible by .125. For Weighted Average
pools, this field may be left blank and the system will
Percent 3.4
calculate this value.The only reasonable values supported
at this time are restricted to a format of Percent 2.4
*Percent 2.4
Must be evenly divisible by .125. For Weighted Average
pools, this field may be left blank and the system will
calculate this value. Zero is a valid value. The only
Percent 3.4
reasonable values supported at this time are restricted to a
format of Percent 2.4
*Percent 2.4
If the PoolMortgageType is "Conventional," then all in
the pool must have the same MortgageType (Sort ID 317)
678
680
7/23/2012
7/23/2012
7/23/2012
7/23/2012
N/A
N/A
N/A
N/A
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
N/A
N/A
POOL_DETA
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
PoolMortgageType
IL
POOL_DETA
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
PoolOwnershipPercent
IL
Specifies mortgage type of the loans for
the pool.
Identifies the percentage amount of the
pool owned by the investor.
N/A
N/A
N/A CI
CR Required for MBS loans
If PoolMortgageType is not equal to "Conventional", then
Enumerated
FHA/VA and USDARuralHousing loans may be comingled within the same pool. This data point must
specify the mortgage type that applies to the majority of
the loans within that pool.
Conventional
FHA
USDARuralHousing
VA
Enumerated
Valid entries are whole numbers between 50 and 100 in
increments of 5.
N/A
N/A
N/A CI
CR Required for MBS loans
Percent 3.4
*Numeric 3
The only reasonable values supported at this time are 3
numeric digits.
Page 49 of 114
ULDD Phase 2
Document Version 2.0.3
XPath
Parent
Container
MISMO Data Point Name
MISMO Definition
ULDDS
Conditionality
FNM
Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
FNM Conditionality Details
681
7/23/2012
7/23/2012
N/A
N/A
N/A
Indicates the day of the month the servicer
POOL_DETA PoolScheduledRemittancePaymentDa must remit the scheduled pass-through
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
IL
y
payment to the certificate holders of a
particular pool.
682
7/23/2012
7/23/2012
N/A
N/A
N/A
The security interest rate, expressed as a
POOL_DETA PoolSecurityIssueDateInterestRatePer
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL percent, for the pool as of the security
IL
cent
issue date.
N/A
N/A
N/A CI
Required for MBS IF Sort ID 661CR PoolAccrualRateStructureType =
"StatedStructure"
683
7/23/2012
7/23/2012
N/A
N/A
N/A
POOL_DETA
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
PoolStructureType
IL
N/A
N/A
N/A CI
CR Required for MBS loans
Denotes the type of mortgage-backed
security structure.
N/A
N/A
N/A CI
CR Required for MBS loans
FNM Implementation Notes
ULDDS
Format
Format = "---DD". For example, the 18th would be
represented as "---18".
For an MBS Express® pool, indicate "---04" even though
the remittances can actually take place on two different
---DD
dates.
All loans in the pool must have the same
InvestorRemittanceDay (Sort ID 380).
For Weighted Average pools, this field may be left blank
and the system will calculate this value. The only
Percent 3.4
reasonable values supported at this time are restricted to a
format of Percent 2.4
Enumerated
FNM
Format
FNM Supported Enumerations
---DD
*Percent 2.4
InvestorDefinedMultipleLender
LenderInitiatedMultipleLender
SingleLender
Enumerated
Each Suffix must be captured in a unique DEAL_SETS
container.
685
7/23/2012
7/23/2012
N/A
N/A
N/A
POOL_DETA
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
PoolSuffixIdentifier
IL
Suffix associated with the pool identifier.
N/A
N/A
N/A CI
Required for MBS IF Sort ID 683PoolStructureType =
CR
"InvestorDefinedMultipleLender" OR
"LenderInitiatedMultipleLender".
A unique, three-digit alphanumeric code used to identify
an individual MBS pool submission that will be part of a
Fannie Majors mulitple pool. The suffix will allow a
String 10
lender to update and transmit each part of the pool
separately.
*String 3
The only reasonable values supported at this time are 3
characters long.
686
687
688
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
N/A
N/A
N/A
N/A
N/A
N/A
Appendix D - Fannie Mae XML Data Reference
Complete ULDD-6
N/A
N/A
N/A
POOL_DETA
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
SecurityTradeBookEntryDate
IL
The date that the security will be delivered
to the designated book entry account.
N/A
PARTY_ROL
The unique identifier assigned to the party
MESSAGE/DEAL_SETS/PARTIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PARTY_ROLE_IDENTIFIER
E_IDENTIFI PartyRoleIdentifier
N/A
role.
ER
Identifies the role that the party plays in
ROLE_DETA
the transaction. Parties may be either a
MESSAGE/DEAL_SETS/PARTIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType
IL
person or legal entity. A party may play
multiple roles in a transaction.
N/A
N/A
N/A CI
N/A
Loa
nDe
liver
yFil
ePre
pare
r
R
R Required for all loans
N/A
Loa
nDe
liver
yFil
ePre
pare
r
R
R Required for all loans
Page 50 of 114
CR Required for MBS loans
Populate with the name of the organization/system that
prepared the XML file.
YYYY-MMDD
YYYY-MMDD
String 50
String 50
Enumerated
LoanDeliveryFilePreparer
Enumerated
ULDD Phase 2
Document Version 2.0.3
33
41
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2Q-2016
7/23/2012
2Q-2016
2Q-2016
2Q-2016
FNM
Implementation
Notes
Enumeration
Change
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Implementation
Notes
FNM
Implementation
Notes
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality
XPath
ULDDS Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
2
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
First 2 digits of the version of the Fannie Mae
Implementation Guide associated with this submission.
String 10
The value for this release is "FNM 2.0". Supply only one
ABOUT_VERSION container.
Revision
Code change
ABOUT_VE
to be made MESSAGE/ABOUT_VERSIONS/ABOUT_VERSION
AboutVersionIdentifier
RSION
2Q-2016
New
Code change
MANUFACT
to be made
Specifies the common size (width)
CR CR IF Sort ID 51-ConstructionMethodType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/MANUFACTURED_HOME/MANUFACTURED_HOME_DETAIL
URED_HOM ManufacturedHomeWidthType
N/A
N/A N/A
Enter the width of the manufactured home.
as soon as
designation of a manufactured home.
O
O "Manufactured"
E_DETAIL
possible
Revision
A unique value that represents a user
defined version identifier.
N/A
N/A
N/A
R
R Required for all files
Documentati
on change to
IF Sort ID 39be made as
Specifies the type of physical attachment,
FNMCondominiumProjectManagerProjectId
soon as
PROJECT_D
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROJECT/PROJECT_DETAIL
ProjectAttachmentType
if any, between the dwelling units in the
N/A
N/A N/A CR CR entifier does not exist AND Sort ID 47possible ETAIL
project.
ProjectLegalStructureType =
validate for
"Condominium"
potential
code change
ULDDS
Format
Enumerated
FNM
Format
FNM Supported Enumerations
FNM 2.0
FNM 1.0
String 10
MultiWide
SingleWide
Enumerated
Attached
Detached
Enumerated
GardenProject
HighriseProject
MidriseProject
Other
TownhouseRowhouse
Enumerated
Only provide if Fannie Mae’s Condo Project Manager
(CPM) system was not used for this loan. If project
contains a mix of attached and detached then specify the
predominant type. If ProjectAttachmentType (Sort ID 41)
cannot be determined, then use the same attachment type
as the Unit. If the unit is SemiDetached provide Attached.
The difference between ProjectAttachmentType (Sort ID Enumerated
41) and AttachmentType (Sort ID 50) is that (Sort ID 41)
is used to describe how the units of the project are
attached to each other within one building. For Subject
Properties in projects, AttachmentType (Sort ID 50) is
used to describe the attachment, between the dwelling
unit (Subject Property) and the adjacent dwelling units.
Detached Cooperatives are not eligible.
The Fannie Mae supported enumerations and definitions
for ProjectDesignType are:
43
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2Q-2016
FNM
Conditionality
Details
FNM
Implementation
Notes
Enumeration
Change
Revision
- GardenProject: 1 to 3 stories
- MidriseProject: 4 to 7 stories
IF Sort ID 39- HighriseProject: 8+ Stories
FNMCondominiumProjectManagerProjectId - TownhouseRowhouse: One in a row of identical houses
entifier does not exist AND IF Sort ID 47or having a common wall; attached to another unit via
Code change
PROJECT_D
This field specifies the type of design for
ProjectLegalStructureType =
common wall (e.g., a brownstone).
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROJECT/PROJECT_DETAIL
ProjectDesignType
N/A
N/A N/A CR CR
Enumerated
ETAIL
the multiple-unit buildings in a project.
"Condominium" AND Sort ID 412Q-2016
ProjectAttachmentType = "Attached" OR IF All floors above ground are included in the number of
Sort ID 47-ProjectLegalStructureType =
stories, Any half basements used for residential purposes
"Cooperative"
are counted as a floor.
If project is classified as Lowrise, specify "GardenProject"
This data point will not be required when Sort ID 89PropertyValuationMethodType is "None"
44
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2Q-2016
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
Enumeration
Change
Revision
Code change
A free-form text field used to describe the
PROJECT_D
CR CR
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROJECT/PROJECT_DETAIL
ProjectDesignTypeOtherDescription design if Other is selected as the Project
N/A
N/A N/A
IF Sort ID 43-ProjectDesignType = "Other"
ETAIL
CI O
2Q-2016
Design Type.
Appendix D - Fannie Mae XML Data Reference
Phase 2-7
Page 51 of 114
Enter "OtherSelectedOnValuationDocumentation" if the
appraisal indicates "Other".
Enumerated
OtherSelectedOnValuationDocumentation Enumerated
ULDD Phase 2
Document Version 2.0.3
7/23/2012
2Q-2016
ULDDS Format
Revision
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality
XPath
ULDDS Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
48
FNM Data
Point
Mandate
Date
FNM Conditionality Details
Documentati
on change to
be made as
The name of the project in which subject
soon as
PROJECT_D
IF Sort ID 47-ProjectLegalStructureType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROJECT/PROJECT_DETAIL
ProjectName
property is located (e.g., the name of the
N/A
N/A N/A CR CR
possible ETAIL
"Condominium" OR "Cooperative"
condominium or cooperative).
validate for
potential
code change
FNM Implementation Notes
ProjectName should be completed with the full
Association/Corporate Legal Name of the project.
ULDDS
Format
FNM
Format
FNM Supported Enumerations
String 60
String 50
*String 50
Enter "Manufactured" if the dwelling meets the Glossary
definition
for Manufactured Home.
Enter "SiteBuilt" if:
▪ Most of the dwelling’s elements were created at the
home’s permanent site, or
▪ The dwelling is modular, panelized, or any other
type of factory-built housing.
51
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2Q-2016
FNM
Implementation
Notes
Enumeration
Change
ULDDS
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
Revision
Revision
Code change
to be made
PROPERTY_
Describes the construction process for the
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_DETAIL
ConstructionMethodType
N/A
N/A N/A R
R Required for all loans
as soon as
DETAIL
main dwelling unit of the subject property.
possible
As specified in MISMO LDD V3.0 B263-12, the
enumeration definitions are:
Enumerated
- SiteBuilt: Describes the construction process, indicating
that most elements are created at the home’s permanent
site and may include some prefabricated components.
- Modular: A factory-built dwelling; not on a permanent
chassis.
- Manufactured: A factory-built dwelling built in
compliance with the Federal Manufactured Home
Construction & Safety Standards in effect at the time the
home was manufactured, as evidenced by the HUD label
(HUD Code Home).
A numeric value indicating the total number of bedrooms
in a one-family property. If the structure is a two, three, or
four-family property, indicate the total number of
bedrooms within each unit of the two, three, or fourfamily structure. The only reasonable values supported
are 0-9. In the case of studios/efficiencies supply "0" for
IF(Sort ID 89-PropertyValuationMethodType the number of bedrooms. Because the format is Numeric
= "FullAppraisal" OR "PriorAppraisalUsed") 1 a value that is greater than nine for BedroomCount is
AND (Sort ID 69-PropertyUsageType =
not allowed. In the rare case that there are more than nine
Code change
PROPERTY_
The total number of bedrooms in the
CR
"Investment") OR Sort ID 57bedrooms, supply nine (9).
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_UNITS/PROPERTY_UNIT/PROPERTY_UNIT_DETAIL
UNIT_DETAI BedroomCount
N/A
N/A N/A
CR
Numeric 2
property dwelling unit.
CI
FinancedUnitCount > "1"
2Q-2016
L
Include only above-grade bedrooms for 1-unit properties.
IF PropertyUsageType = "Investment" OR
Include both above and below-grade bedrooms for 2-4
FinancedUnitCount > "1"
unit properties.
Manufactured
Modular
SiteBuilt
Enumerated
*Numeric 1
There is a container for Property_Units that provides the
ability to deliver up to four iterations of the
Property_Unit. Within Property_Unit, supply the
BedroomCount and
PropertyDwellingUnitEligibleRentAmount (Sort ID 78).
78
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ULDDS
Conditionality
FNM
Conditionality
Details
Revision
IF(Sort ID 89-PropertyValuationMethodType
= "FullAppraisal" OR "PriorAppraisalUsed") A value indicating the current actual monthly rent for a
The actual contract rent amount if the
AND (Sort ID 69-PropertyUsageType =
one-family investment property or for a unit of a twoCode change
PROPERTY_
PropertyDwellingUnitEligibleRentA property dwelling unit is rented. If there is
CR
"Investment") OR Sort ID 57family to four-family property (rounded to the nearest
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_UNITS/PROPERTY_UNIT/PROPERTY_UNIT_DETAIL
UNIT_DETAI
N/A
N/A N/A
CR
mount
no active lease, this is the monthly market
CI
FinancedUnitCount > "1"
dollar) or the estimated market rent (rounded to the
2Q-2016
L
value amount.
nearest dollar) if the unit is not rented currently. Only
IF PropertyUsageType = "Investment" OR
supporting up to 5 digit numerics at this time.
FinancedUnitCount > "1"
Appendix D - Fannie Mae XML Data Reference
Phase 2-7
Page 52 of 114
Numeric 9
*Numeric 5
ULDD Phase 2
Document Version 2.0.3
7/23/2012
2Q-2016
ULDDS Format
FNM Format
Revision
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality
XPath
ULDDS Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
82
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
The identifier referred to as the "Document File
Identifier" in the Uniform Collateral Data Portal (UCDP).
Documentati
Lender obtains the "Document File Identifier" from
on change to
UCDP and transmits it in the "Appraisal Identifier" field
be made as
PROPERTY_
A unique identifier assigned by a party for
IF Sort ID 89-PropertyValuationMethodType in Loan Delivery. This field associates the appraisal data
soon as
String 10
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION/PROPERTY_VALUATION_DETAIL
VALUATION AppraisalIdentifier
all appraisal data delivered to the party for N/A
N/A N/A CR CR = "DriveBy" OR "FullAppraisal" OR
transmitted by the lender to UCDP with the Loan
possible String 20
_DETAIL
this loan.
"PriorAppraisalUsed"
Delivery record. As such, this field is conditional based
validate for
on UCDP mandated requirements.
potential
code change
At this time the only reasonable values are 10 characters
long.
FNM
Format
FNM Supported Enumerations
* String 10
Enter the name of the property valuation form used to
provide the property value upon which the loan
underwriting decision was based.
85
2Q-2016
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
Enumeration
Change
New
Enumeration and Corresponding Appraisal Form #:
▪ FNM 1004 / FRE 70 =
UniformResidentialAppraisalReport
▪ FNM 1004C / FRE 70B =
ManufacturedHomeAppraisalReport
▪ FNM 1004D / FRE 442 =
AppraisalUpdateAndOrCompletionReport
▪ FNM 1025 / FRE 72 =
SmallResidentialIncomePropertyAppraisalReport
If applies
▪ FNM 1073 / FRE 465 =
Code change
PROPERTY_
IF Sort ID 317-MortgageType =
IndividualCondominiumUnitAppraisalReport
to be made
Specifies the form or document used to
CR CR
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION/PROPERTY_VALUATION_DETAIL
VALUATION PropertyValuationFormType
N/A
N/A N/A
"Conventional" AND Sort ID 89▪ FNM 1075 / FRE 466 =
Enumerated
as soon as
provide the property valuation.
O
O
_DETAIL
PropertyValuationMethodType = "DriveBy" ExteriorOnlyInspectionIndividualCondominiumUnitAppr
possible
OR "FullAppraisal"
aisalReport
▪ FNM 2000 / FRE1032 =
OneUnitResidentialAppraisalFieldReviewReport
▪ FNM 2000A / FRE 1072 =
TwoToFourUnitResidentialAppraisal
▪ FNM 2055 / FRE 2055 =
ExteriorOnlyInspectionResidentialAppraisalReport
▪ FNM 2090 =
IndividualCooperativeInterestAppraisalReport
▪ FNM 2095 =
ExteriorOnlyInspectionIndividualCooperativeInterestApp
raisalReport
▪ DU Form 2075 DesktopUnderwriterPropertyInspectionReport
Appendix D - Fannie Mae XML Data Reference
Phase 2-7
Page 53 of 114
AppraisalUpdateAndOrCompletionReport
DesktopUnderwriterPropertyInspectionRe
port
ExteriorOnlyInspectionIndividualCondom
iniumUnitAppraisalReport
ExteriorOnlyInspectionIndividualCoopera
tiveInterestAppraisalReport
ExteriorOnlyInspectionResidentialApprais
alReport
IndividualCondominiumUnitAppraisalRe
Enumerated
port
IndividualCooperativeInterestAppraisalRe
port
ManufacturedHomeAppraisalReport
OneUnitResidentialAppraisalFieldReview
Report
SmallResidentialIncomePropertyAppraisal
Report
TwoToFourUnitResidentialAppraisal
UniformResidentialAppraisalReport
ULDD Phase 2
Document Version 2.0.3
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality
XPath
ULDDS Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
If property inspection or fieldwork has been waived,
supply "None" in PropertyValuationMethodType and
populate Sort ID 376 InvestorCollateralProgramIdentifier.
89
7/23/2012
2Q-2016
FNM
Implementation
Notes
Enumeration
Change
Revision
When a Field Review or Desk Review is used, refer to the
following fields and guidance to supply these values:
- AppraisalDocumentFileID (Sort ID 82): Provide the
Document File Identifier of the original appraisal that was
uploaded to the Uniform Collateral Data Portal®
(UCDP®).
- AppraisalAmount (Sort ID 83): Provide the Field
Code change
PROPERTY_
Review Valuation Amount.
Specifies the method by which the
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION/PROPERTY_VALUATION_DETAIL
VALUATION PropertyValuationMethodType
N/A
N/A N/A R
R Required for all loans
Enumerated
- AppraisalMethod (Sort ID 89): Provide the value that
property value was assessed.
2Q-2016
_DETAIL
captures the original appraisal.
We suggest entering "Field Review Value Used" or "Desk
Review Value Used" in the LoanCommentText (Sort ID
393).
AutomatedValuationModel
DesktopAppraisal
DriveBy
FullAppraisal
None
Other
PriorAppraisalUsed
Enumerated
FieldReview
Enumerated
For more detailed information, please refer the
Appraisal Method Quick Guide located on
Fanniemae.com.
Note: The value of "Prior Appraisal Used" is no longer a
valid value for Refi Plus loans. Please refer to Selling
Guide for more details.
90
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ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
Enumeration
Change
Revision
Code change
PROPERTY_
A free-form text field used to capture a
PropertyValuationMethodTypeOther
CR CR IF Sort ID 89-PropertyValuationMethodType Enter "FieldReview" if a field review was used to value
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION/PROPERTY_VALUATION_DETAIL
VALUATION
description of the Property Valuation
N/A
N/A N/A
Description
CI O = "Other"
the subject property.
2Q-2016
_DETAIL
Method Type when Other is selected.
Appendix D - Fannie Mae XML Data Reference
Phase 2-7
Page 54 of 114
Enumerated
ULDD Phase 2
Document Version 2.0.3
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality
XPath
ULDDS Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
Provide the "HomeEquityCombinedLTVRatioPercent" in
the "HCLTV" field for loans with a concurrently closing
HELOC or an existing HELOC.
92
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2Q-2016
FNM
Conditionality
Details
FNM
Implementation
Notes
Revision
Documentati
The result of dividing the sum of the
on change to
unpaid principal balance (UPB) of the first
be made as
mortgage, the full amount of any home
soon as
COMBINED_ HomeEquityCombinedLTVRatioPerc
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/COMBINED_LTVS/COMBINED_LTV
equity line of credit (whether drawn or
possible LTV
ent
undrawn), and the balance of any other
validate for
subordinate financing by the value of the
potential
subject property.
code change
Calculate the sum of the Original Loan Amount of the
first mortgage plus the financed mortgage insurance
premium (if applicable), any outstanding balances on
closed-end subordinate financing and the greater of the
maximum home equity line of credit or amount drawn
(outstanding UPB). Divide the sum by the lower of the
sales price (if applicable) or value of the property
securing the mortgage.
N/A
N/A
IF Sort ID 513-HELOCIndicator = "true"
IF HELOCIndicator = "true" for
N/A CR CR
Divide the sum of the Original Loan Amount of the first Percent 3.4
LoanRoleType = "RelatedLoan" and the loan
mortgage and the home equity line of credit (whether or
is a HELOC
not funds have been drawn) and the UPB of all other
subordinate financing plus the financed mortgage
insurance premium amount (if applicable) by the lower
of the appraised value or the sales price of the property
securing the mortgage.
*Numeric 3
The HCLTV must be truncated (shortened) to two
decimal places. The truncated result must be rounded up
to the next whole percent. For example: 96.001% will
be delivered as 96; 80.01% will be delivered as 81.
The HCLTV must be greater than or equal to the CLTV.
111
118
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2Q-2016
2Q-2016
FNM
Implementation
Notes
Enumeration
Change
ULDDS
Conditionality
Revision
AtClosi
ng
Code change
(NonAn enumerated field used to collect
to be made
INDEX_RUL
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INDEX_RULES/INDEX_RULE
IndexSourceTypeOtherDescription
additional Index Source Type values when
N/A CR CR IF Sort ID 110-IndexSourceType = "Other"
as soon as
E
Loan
OR
needed.
possible
AtMod
ificatio
n
Always specify "Other" in
IndexSourceTypeOtherDescription (Sort ID 110) and
supply the index here.
Revision
Documentati
Specifies how the interest rate is rounded
AtClosi
on change to
when a new interest rate is calculated for
ng
INTEREST_
be made as
an ARM change. The interest rate can be
(NonRATE_LIFET
soon as
rounded Up, Down, or to the Nearest
Subject Mods)
CR
IF Sort ID 138-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE
IME_ADJUS InterestRateRoundingType
N/A
CR
possible Percent. This field is used in conjunction
Loan
OR
CI
"AdjustableRate"
TMENT_RU
validate for
with Interest Rate Rounding Percent,
AtMod
LE
potential
which indicates the percentage to which
ificatio
code change
the rounding occurs.
n
Used in conjunction with InterestRateRoundingPercent
(Sort ID 117).
All loans in the pool must have the same
InterestRateRoundingType.
Appendix D - Fannie Mae XML Data Reference
Phase 2-7
Page 55 of 114
Enumerated
See "Enumerations" tab for complete list
Enumerated
Enumerated
Down
Nearest
NoRounding
Up
Enumerated
ULDD Phase 2
Document Version 2.0.3
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality
XPath
ULDDS Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
Must provide two iterations of the
INTEREST_RATE_PER_CHANGE_ADJUSTMENT_R
ULE container. One with the AdjustmentRuleType =
"First" and the second AdjustmentRuleType =
"Subsequent".
121
7/23/2012
2Q-2016
FNM
Implementation
Notes
Revision
Documentati
AtClosi
on change to
ng
INTEREST_
Enter the maximum number of percentage points by
be made as
(NonRATE_PER_
The maximum number of percentage
which the rate can decrease from the previous interest
soon as
PerChangeMaximumDecreaseRatePer
Subject Mods)
IF Sort ID 138-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE
CHANGE_A
points by which the rate can decrease from
N/A CR CR
rate as specified on the note that will be in effect at the
Percent 3.4
possible cent
Loan
OR
"AdjustableRate" AND decrease cap exists
DJUSTMEN
the previous interest rate.
First Rate Change Date with AdjustmentRuleType (Sort
validate for
AtMod
T_RULE
ID 120) equal to "First"
potential
ificatio
code change
n
Enter the maximum number of percentage points by
which the rate can decrease from the previous interest
rate as specified on the note that will be in effect at the
First Rate Change Date with AdjustmentRuleType (Sort
ID 120) equal to "Subsequent"
Percent 3.4
Must provide two iterations of the
INTEREST_RATE_PER_CHANGE_ADJUSTMENT_R
ULE container. One with the AdjustmentRuleType =
"First" and the second AdjustmentRuleType =
"Subsequent".
122
123
124
7/23/2012
7/23/2012
7/23/2012
2Q-2016
2Q-2016
2Q-2016
FNM
Implementation
Notes
FNM
Implementation
Notes
FNM
Implementation
Notes
Revision
Documentati
AtClosi
on change to
ng
INTEREST_
Enter the maximum number of percentage points by
be made as
(NonRATE_PER_
The maximum number of percentage
which the rate can increase from the previous interest
soon as
PerChangeMaximumIncreaseRatePer
Subject Mods)
IF Sort ID 138-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE
CHANGE_A
points by which the rate can increase from
N/A CR CR
rate as specified on the note that will be in effect at the
Percent 3.4
possible cent
Loan
OR
"AdjustableRate"
DJUSTMEN
the previous interest rate.
First Rate Change Date with AdjustmentRuleType (Sort
validate for
AtMod
T_RULE
ID 120) equal to "First"
potential
ificatio
code change
n
Enter the maximum number of percentage points by
which the rate can increase from the previous interest rate
as specified on the note that will be in effect at the First
Rate Change Date with AdjustmentRuleType (Sort ID
120) equal to "Subsequent"
Percent 3.4
Revision
Must provide two iterations of the
INTEREST_RATE_PER_CHANGE_ADJUSTMENT_R
Documentati
AtClosi
The date when the Interest Rate Per
ULE container. One with the AdjustmentRuleType =
on change to
ng
INTEREST_
Change Adjustment Rule first becomes
"First" and the second AdjustmentRuleType =
be made as
(NonRATE_PER_
applicable. The Interest Rate Per Change
"Subsequent".
soon as
PerChangeRateAdjustmentEffectiveD
Subject Mods)
IF Sort ID 138-LoanAmortizationType =
YYYY-MMMESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE
CHANGE_A
Adjustment Rule remains in effect unless
N/A CR CR
possible ate
Loan
OR
"AdjustableRate"
DD
DJUSTMEN
another Interest Rate Per Change
Enter the First Rate Change Date with
validate for
AtMod
T_RULE
Adjustment Rule with a later date is
AdjustmentRuleType (Sort ID 120) equal to"First."
potential
ificatio
present on the loan.
code change
n
Enter the Second Change Date with AdjustmentRuleType
(Sort ID 120) equal to "Subsequent"
YYYY-MMDD
Revision
Must provide two iterations of the
INTEREST_RATE_PER_CHANGE_ADJUSTMENT_R
ULE container. One with the AdjustmentRuleType =
Documentati
AtClosi
"First" and the second AdjustmentRuleType =
on change to
ng
INTEREST_
"Subsequent".
be made as
(NonRATE_PER_
The number of months between rate
Enter the number of months between the initial rate
soon as
PerChangeRateAdjustmentFrequency
Subject Mods)
IF Sort ID 138-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE
CHANGE_A
adjustments, if the interest rate on the
N/A CR CR
adjustment and the second rate adjustment with
Numeric 3
possible MonthsCount
Loan
OR
"AdjustableRate"
DJUSTMEN
subject loan can change.
AdjustmentRuleType (Sort ID 120) equal to "First"
validate for
AtMod
T_RULE
potential
ificatio
Enter the number of months between the second rate
code change
n
adjustment and the third rate adjustment with
AdjustmentRuleType (Sort ID 120) equal to
"Subsequent".
Numeric 3
Appendix D - Fannie Mae XML Data Reference
Phase 2-7
Page 56 of 114
ULDD Phase 2
Document Version 2.0.3
126
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2Q-2016
ULDDS
Conditionality
Revision
131
7/23/2012
2Q-2016
ULDDS
Conditionality
Revision
138
7/23/2012
2Q-2016
FNM
Implementation
Notes
Revision
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
147
148
149
2Q-2016
2Q-2016
2Q-2016
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality
XPath
ULDDS Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
FNM Conditionality Details
ULDDS
Format
FNM
Format
FNM Supported Enumerations
Documentati
AtClosi
PRINCIPAL_
on change to
ng
AND_INTER
be made as
(NonEST_PAYME
Specifies whether the occurrence of the
Only provide one instance of this container:
soon as
Subject Mods)
CI
IF Sort ID 138-LoanAmortizationType=
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/PRINCIPAL_AND_INTEREST_PAYMENT_ADJUSTMENT/PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULES/PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULE
NT_PER_CH AdjustmentRuleType
adjustment is the first change or a
N/A
CR
AdjustmentRuleType (Sort ID 120) equal to
Enumerated Subsequent
Enumerated
possible Loan
OR
CR
"GrowingEquityMortgage"
ANGE_ADJU
subsequent change.
"Subsequent"
validate for
AtMod
STMENT_R
potential
ificatio
ULE
code change
n
Documentati
AtClosi
PRINCIPAL_
on change to
ng
AND_INTER
be made as
(NonEST_PAYME
The number of percentage points by
For AdjustmentRuleType (Sort ID 126) is "Subsequent".
soon as
PerChangePrincipalAndInterestPaym
Subject Mods)
CI
IF Sort ID 138-LoanAmortizationType=
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/PRINCIPAL_AND_INTEREST_PAYMENT_ADJUSTMENT/PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULES/PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULE
NT_PER_CH
which the principal and interest payment
N/A
CR
The only reasonable values supported at this time are
Percent 3.4
*Percent 2.4
possible entAdjustmentPercent
Loan
OR
CR
"GrowingEquityMortgage"
ANGE_ADJU
adjusts.
restricted to a format of Percent 2.4
validate for
AtMod
STMENT_R
potential
ificatio
ULE
code change
n
Documentati
AtClosi
on change to
ng
AdjustableRate
be made as
(NonBalloon is no longer a valid Loan Amortization value. If
Fixed
A classification or description of a loan
soon as
AMORTIZA
Subject Mods)
the loan is a balloon the BalloonIndicator (Sort ID 226)
GraduatedPaymentARM
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/AMORTIZATION/AMORTIZATION_RULE
LoanAmortizationType
generally based on the changeability of the
N/A R
R Required for all loans
Enumerated
Enumerated
possible TION_RULE
Loan
OR
must equal "true". For MBS, all loans in the pool must
GraduatedPaymentMortgage
rate or payment over time.
validate for
AtMod
have the same LoanAmortizationType.
GrowingEquityMortgage
potential
ificatio
Step
code change
n
New
AtClosi
The time interval in months between
ng
Code change
interest rate increases during the buydown
(NonIF Sort ID 228to be made
BUYDOWN_ BuydownChangeFrequencyMonthsC period. For example, if the interest rate
Subject Mods)
CR CR
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/BUYDOWN/BUYDOWN_RULE
N/A
BuydownTemporarySubsidyIndicator =
as soon as
RULE
ount
increases annually during a two year
Loan
OR
O
O
"true"
possible
buydown, the frequency of interest rate
AtMod
change is 12 months.
ificatio
n
New
AtClosi
ng
Code change
The total number of months during which
(NonIF Sort ID 228to be made
BUYDOWN_
any buydown is in effect. This represents Subject Mods)
CR CR
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/BUYDOWN/BUYDOWN_RULE
BuydownDurationMonthsCount
N/A
BuydownTemporarySubsidyIndicator =
as soon as
RULE
the accumulation of all the buydown
Loan
OR
O
O
"true"
possible
periods.
AtMod
ificatio
n
New
FNM Implementation Notes
AtClosi
ng
Code change
(NonThe amount by which the interest rate can
IF Sort ID 228to be made
BUYDOWN_
Subject Mods)
CR CR
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/BUYDOWN/BUYDOWN_RULE
BuydownIncreaseRatePercent
increase at each adjustment period within
N/A
BuydownTemporarySubsidyIndicator =
as soon as
RULE
Loan
OR
O
O
the buydown duration.
"true"
possible
AtMod
ificatio
n
Appendix D - Fannie Mae XML Data Reference
Phase 2-7
Page 57 of 114
Enter the number of months that represents the time
interval in months between interest rate increases during
the buydown period. For example, if the interest rate
increases annually during a two year buydown, the
frequency of interest rate change is 12 months.
Numeric 3
Numeric 3
Numeric 3
Numeric 3
Percent 3.4
Percent 3.4
Enter the number of months for which the buydown is in
effect.
For example: In a 3-2-1 buydown over 3 years, enter
"36".
Enter the percentage by which the interest rate can
increase at each adjustment period within the buydown
duration. For example, if the interest rate increases 1%
annually during a two year buydown, the percentage
increase is 1.0.
ULDD Phase 2
Document Version 2.0.3
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality
XPath
ULDDS Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
Include for all sources (Borrower/Seller/Lender/Builder).
150
2Q-2016
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
New
AtClosi
ng
Code change
(NonThe percent by which the interest rate was
IF Sort ID 228to be made
BUYDOWN_
Subject Mods)
CR CR
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/BUYDOWN/BUYDOWN_RULE
BuydownInitialDiscountPercent
bought down at origination. For example,
N/A
BuydownTemporarySubsidyIndicator =
as soon as
RULE
Loan
OR
O
O
for a 3-2-1 buydown, this would be 3.
"true"
possible
AtMod
ificatio
n
If the subject loan is a non-modified loan and that loan
has a buydown feature, enter the difference between the
Note Rate and the 'bought down' rate that goes into effect
as of closing.
If the subject loan is a modified loan, and that loan has a
buydown feature, enter the difference between the Note
Percent 3.4
Rate and 'bought down' rate that goes into effect as of the
modification date.
Percent 3.4
For example, if the Note Rate is 4% on a 3-2-1 buydown,
the number delivered is 3.0.
If the source (Borrower/Seller/Builder) contributed an
amount as part of a concession, this amount must be
converted to a percentage.
194
195
208
215
2Q-2016
7/23/2012
7/23/2012
7/23/2012
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
2Q-2016
FNM
Implementation
Notes
2Q-2016
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
2Q-2016
FNM
Implementation
Notes
Enumeration
Change
New
AtClosi
ng
Code change
(NonRequired for all loans
to be made
URLA_DET BorrowerPaidDiscountPointsTotalA The total dollar amount of discount points Subject Mods)
CR R IF applies
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FORM_SPECIFIC_CONTENTS/FORM_SPECIFIC_CONTENT/URLA/URLA_DETAIL
N/A
as soon as
AIL
mount
that are paid by the borrower.
Loan
OR
O
O IF Borrower paid discount points for this
possible
AtMod
transaction
ificatio
n
Enter only the amounts paid by the borrower. Do not
enter the amounts that were paid on behalf of the
borrower even if they were included in Borrower Paid on
the HUD1. For more information on allowable points and
fees, refer to the Fannie Mae Selling Guide.If the amount
Amount 9.2
is zero or negative, enter zero. If any discount points
were paid by a party other than the borrower and the
amount paid by the borrower it cannot be determined
what amounts were paid on behalf of the borrower, report
the total amount of discount points.
Amount 9.2
Revision
Documentati
AtClosi
on change to
ng
be made as
The total dollar amount paid by the
(NonIF Sort ID 315-LoanPurposeType =
soon as
URLA_DET
borrower for the property pledged as
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FORM_SPECIFIC_CONTENTS/FORM_SPECIFIC_CONTENT/URLA/URLA_DETAIL
PurchasePriceAmount
N/A CR CR "Purchase" AND Sort ID 313possible AIL
security for the mortgage. The purchase
Loan
OR
LienPriorityType = "FirstLien"
validate for
price is presented on the offer to purchase.
AtMod
potential
ificatio
code change
n
Enter the amount indicating the purchase price of the
property, net of any adjustments for sales or financing
concessions.
Numeric 9
Revision
Revision
Code change
The difference between the annual
to be made
HMDA_LOA
percentage rate (APR) and the average
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/HMDA_LOAN
HMDARateSpreadPercent
as soon as
N
prime offer rate (APOR) as required for
possible
HMDA Reporting Requirements.
AtClosi
Required for all loans
ng
IF Sort ID 313-LienPriorityType =
(Non"FirstLien" AND HMDARateSpreadPercent
Subject Mods)
CR
N/A CR
is > 1.5 OR
Loan
OR
R
IF Sort ID 313-LienPriorityType =
AtMod
"SecondLien" AND
ificatio
HMDARateSpreadPercent is > 3.5
n
AtClosi
ng
Code change
(NonINTEREST_
to be made
Defines the method used to calculate the Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INTEREST_CALCULATION/INTEREST_CALCULATION_RULES/INTEREST_CALCULATION_RULE
CALCULATI InterestCalculationType
N/A R
R Required for all loans
as soon as
interest on the loan.
Loan
OR
ON_RULE
possible
AtMod
ificatio
n
Appendix D - Fannie Mae XML Data Reference
Phase 2-7
Page 58 of 114
Numeric 9
Any loan with an Annual Percentage Rate (APR) that is
"greater than or equal to 1.5 percentage points above the
applicable Aaverage Pprime Ooffer Rrate for first lien
loans," or "greater than or equal to 3.5 percentage points
above the applicable APORaverage prime offer rate for
Percent 3.4
subordinate lien loans" must be reported. Fannie Mae will
not accept any value that is less than 1.5%.
*Percent 2.2
The only reasonable values supported at this time are
restricted to a format of Percent 2.2.
Enter "Simple" unless otherwise permitted by the Seller's
Enumerated
contract.
Compound
Simple
Enumerated
ULDD Phase 2
Document Version 2.0.3
221
222
226
236
244
251
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
2Q-2016
2Q-2016
ULDDS
Conditionality
2Q-2016
FNM
Implementation
Notes
2Q-2016
FNM
Implementation
Notes
2Q-2016
FNM
Implementation
Notes
2Q-2016
FNM
Implementation
Notes
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
2Q-2016
New Data Point
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
Revision
Revision
Revision
Revision
Revision
Documentati
on change to
be made as
soon as
possible validate for
potential
code change
Documentati
on change to
be made as
soon as
possible validate for
potential
code change
Documentati
on change to
be made as
soon as
possible validate for
potential
code change
Documentati
on change to
be made as
soon as
possible validate for
potential
code change
Documentati
on change to
be made as
soon as
possible validate for
potential
code change
Parent
Container
MISMO Data Point Name
MISMO Definition
INTEREST_
The date on which the interest-only period Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INTEREST_ONLY
InterestOnlyEndDate
ONLY
on the loan ends.
Loan
Identifier of a loan from a related or
INVESTOR_
original transaction. May be used for
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INVESTOR_LOAN_INFORMATION
LOAN_INFO RelatedInvestorLoanIdentifier
modifications and conversion of existing
Loan
RMATION
loans.
INVESTOR_
Specifies the investor of the associated
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INVESTOR_LOAN_INFORMATION
LOAN_INFO RelatedLoanInvestorType
loan.
Loan
RMATION
Indicates whether or not a final balloon
LOAN_DET
payment is required under the terms of the Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
BalloonIndicator
AIL
loan repayment schedule to fully pay off
Loan
the loan.
LOAN_DET InitialFixedPeriodEffectiveMonthsCo The number of months that the initial
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
AIL
unt
fixed period of a hybrid ARM is in effect. Loan
AtClosi
ng
(NonMods)
OR
AtMod
ificatio
n
AtClosi
ng
(NonMods)
OR
AtMod
ificatio
n
AtClosi
ng
(NonMods)
OR
AtMod
ificatio
n
AtClosi
ng
(NonMods)
OR
AtMod
ificatio
n
AtClosi
ng
(NonMods)
OR
AtMod
ificatio
n
N/A
FNM Conditionality Details
FNM Implementation Notes
CR
CR IF Sort ID 237-InterestOnlyIndicator = "true"
CI
ULDDS
Format
FNM
Format
FNM Supported Enumerations
YYYY-MMDD
YYYY-MMDD
IF Sort ID 222-RelatedLoanInvestorType =
N/A CR CR
"FNM"
If the loan is a manual RefiPlus refinance (pertains to Refi
Plus) that is already in a lender's servicing portfolio and
String 30
Fannie Mae is the investor of the loan being refinanced,
specify Fannie Mae Loan Number.
IF Sort ID 315-LoanPurposeType =
N/A CR CR "Refinance" AND delivering to the investor
of the loan being refinanced
If the loan is a manual RefiPlus refinance (pertains to Refi
Plus) that is already in a lender's servicing portfolio and
Enumerated
Fannie Mae is the investor of the loan being refinanced,
specify "FNM".
FNM
Enumerated
N/A
Balloon is no longer a valid Loan Amortization value. If
the loan is a balloon, the BalloonIndicator must equal
Boolean
"true". For MBS, all loans in the pool must have the
same BalloonIndicator.
false
true
Boolean
R
R Required for all loans
String 30
Required for all ARM Loans
IF Sort ID 138-LoanAmortizationType =
N/A CR CR
"AdjustableRate"
New
AtClosi
ng
The number of 1- to 4-unit properties that
Code change
(Nonare financed and owned and/or obligated
to be made
LOAN_DET
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
TotalMortgagedPropertiesCount
on by the borrower(s). A jointly
N/A
as soon as
AIL
Loan
OR
owned/obligated property by multiple
possible
AtMod
borrowers would count only once.
ificatio
n
New
AtClosi
ng
Code change
The one credit score value that represents
(NonLOAN_LEVE
to be made
the overall credit risk on the loan. This
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_LEVEL_CREDIT/LOAN_LEVEL_CREDIT_DETAIL
L_CREDIT_ LoanLevelCreditScoreValue
N/A CI
as soon as
value is determined using credit score
Loan
OR
DETAIL
possible
values for each qualifying borrower.
AtMod
ificatio
n
Appendix D - Fannie Mae XML Data Reference
Phase 2-7
FNM Conditionality
XPath
ULDDS Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
218
FNM Data
Point
Mandate
Date
Page 59 of 114
R
O
R
Required for all loans
O
R
Required for all loans
O
Numeric 3
Numeric 3
Enter the total number of financed 1-4 unit residential
properties owned by all borrowers on the loan. Do not
include commercial properties or timeshares. If multiple
Numeric 2
borrowers own the same property, it only needs to be
counted once. The subject property is also included in the
property count.
Numeric 2
Enter the number of months from the First Payment to the
First Rate Change Date.
A value indicating the representative credit score
assigned to the loan. If there are multiple borrowers,
determine the applicable credit score for each individual
borrower (lesser of two or middle of three) and select the
lowest applicable score from all borrowers as the
Numeric 4
representative credit score for the mortgage.
Numeric 4
If any Borrower has Non-Traditional credit, leave the
field blank.please provide zero in the field.
ULDD Phase 2
Document Version 2.0.3
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality
XPath
ULDDS Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
Divide the sum of the original loan plus any financed
mortgage insurance premium amount by either: (i) in the
case of a purchase money loan, the lower of the
property’s sales price or appraised value, or (ii) in the
case of a refinancing loan, the appraised value.
255
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2Q-2016
FNM
Implementation
Notes
Revision
Documentati
on change to
be made as
The ratio of the current UPB amount to
soon as
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LTV
LTV
LTVRatioPercent
the appraised value, estimated value or
possible purchase price of the property.
validate for
potential
code change
AtClosi
ng
(NonSubject Mods)
N/A
Loan
OR
AtMod
ificatio
n
R
R Required for all loans
Only whole numbers will be supported at this time. The
LTVRatioPercent must be truncated (shortened) to two
decimal places. The truncated result must be rounded up
to the next whole percent. For example: 96.001% will
be delivered as 96; 80.01% will be delivered as 81.
Percent 3.4
*Numeric 3
Numeric 3
Numeric 3
For government loans with an Application Received Date
on or after December 1, 2011, and delivered on or after
July 23, 2012, the LTV is required. For government loans
with an Application Received Date prior to December 1,
2011, the LTV is only required for Conventional loans.
LTV data should always be numeric; government loans
should not contain "FHA" or "VA" in either the loan
delivery XML file or in the Loan Delivery user interface.
Lenders may continue to send these values in the existing
2000-character file format until July 23, 2012.
Enter the total months of verified liquid financial reserves
that are available from all borrowers after closing the
loan.
287
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2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
Liquid financial reserves are those liquid or near liquid
assets that are available to a borrower.
New
Code change
The number of loan payments that are
to be made
QUALIFICA BorrowerReservesMonthlyPaymentC
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/QUALIFICATION
available to the borrower from verified
as soon as
TION
ount
financial reserves after closing.
possible
AtClosi
ng
(NonSubject Mods)
N/A
Loan
OR
AtMod
ificatio
n
R
O
R
Required for all loans
O
Reserves are measured by the number of months of the
qualifying payment amount for the subject mortgage
(based on PITIA) that a borrower could pay using his or
her financial assets.
In cases where the Reserves determined to be collected is
not a whole number round down. I.e. 1.5 months would
be delivered as 1.
This value could be '0' in some instances. Enter '0' for
Manual RefiPlus.
Refer to the Eligibility Matrix posted on fanniemae.com
for instances where “0” reserves are required.
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2Q-2016
FNM
Implementation
Notes
Revision
Documentati
on change to
be made as
soon as
QUALIFICA TotalMonthlyProposedHousingExpen The total monthly proposed housing
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/QUALIFICATION
possible TION
seAmount
expense for all borrowers on the loan.
validate for
potential
code change
AtClosi
ng
(NonSubject Mods)
N/A
Loan
OR
AtMod
ificatio
n
R
R Required for all loans
Value indicating the sum of all borrowers’ monthly
expenses related to their the subject property primary
residence. The monthly housing expense must be equal to
or greater than the P&I payment.
regardless of the property usage type (primary, second
home, and investment) of the subject loan. When the
subject loan is for the borrower's primary residence, the
Numeric 9
monthly expense must be greater than or equal to the
value delivered in
InitialPrincipalAndInterestPaymentAmount (Sort ID 268)
*Numeric 5
Round to the nearest dollar. The only reasonable values
supported at this time are restricted to a format of five
numeric digits.
Appendix D - Fannie Mae XML Data Reference
Phase 2-7
Page 60 of 114
ULDD Phase 2
Document Version 2.0.3
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312
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2Q-2016
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2Q-2016
7/23/2012
2Q-2016
2Q-2016
2Q-2016
FNM
Implementation
Notes
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
New
Revision
New
Revision
Parent
Container
MISMO Data Point Name
MISMO Definition
Code change
The amount of cash the borrower will
to be made
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/REFINANCE
REFINANCE RefinanceCashOutAmount
receive at the closing of the loan on a
as soon as
refinance transaction.
possible
FNM Conditionality
XPath
ULDDS Conditionality
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
293
FNM Data
Point
Mandate
Date
FNM Conditionality Details
AtClosi
ng
(NonIF Sort ID 294Subject Mods)
CR CR
N/A
RefinanceCashOutDeterminationType =
Loan
OR
O
O
"CashOut"
AtMod
ificatio
n
Documentati
AtClosi
on change to
ng
be made as
(Nonsoon as
PRICE_LOC
The date and time on which the agreement Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/SELECTED_LOAN_PRODUCT/PRICE_LOCKS/PRICE_LOCK
PriceLockDatetime
N/A R
R Required for all loans
possible K
to lock a price was made.
Loan
OR
validate for
AtMod
potential
ificatio
code change
n
AtClosi
ng
The value of the financial index,
Code change
(Nonexpressed as a percent, used to calculate
to be made
TERMS_OF_
Subject Mods)
CR CR IF Sort ID 138-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
DisclosedIndexRatePercent
the Disclosed Fully Indexed Interest Rate
N/A
as soon as
MORTGAGE
Loan
OR
CI O "AdjustableRate"
that must be disclosed to the borrower for
possible
AtMod
adjustable rate mortgages.
ificatio
n
Documentati
AtClosi
on change to
ng
be made as
(NonA free-form text field used to collect
soon as
TERMS_OF_
Subject Mods)
CI
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
MortgageTypeOtherDescription
additional information or a description of
N/A
possible MORTGAGE
Loan
OR
O
the mortgage type when Other is selected.
validate for
AtMod
potential
ificatio
code change
n
Appendix D - Fannie Mae XML Data Reference
Phase 2-7
Page 61 of 114
O
N/A IF MortgageType = "Other"
CR
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
The calculation for refinance cash-out amount is:
New Loan amount minus paid off first mortgage loan
Amount 9.2
amount minus paid off second mortgage loan amount (if
second was used to purchase the property) minus closing
costs.
PriceLockDatetime is the date on which the interest rate
reflected on the note was locked with the borrower (not
the correspondent bank or other non borrower party). The
lock date is required for all loans; however, the time will
be ignored if provided. If there is a time extension; use
the original PriceLockDate; if there is an extension due to
a change in the interest rate; use the new
PriceLockDate.If there is a time extension or extension
YYYY-MMdue to a change in the interest rate; provide the original
DD
PriceLockDatetime.
Amount 9.2
YYYY-MMDD
With time extensions, Sellers must submit the original
PriceLockDatetime for the borrower unless the extension
results in a change to the interest rate. If the extension
results in a change to the interest rate, the Seller must
submit the date of the price lock extension as this will
represent the interest rate that will be on the note.
Enter the index value used to calculate the disclosed
interest rate on the final Truth-in-Lending (TILA)
Disclosure statement.
Percent 3.4
Percent 3.4
Enter the value of the index
(IndexSourceTypeOtherDescription (Sort ID 111)) used
to generate the closing documents.
Not Used
ULDD Phase 2
Document Version 2.0.3
327
332.1
332.2
333
335
337
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2Q-2016
2Q-2016
2Q-2016
2Q-2016
ULDDS Format
Enumeration
Change
FNM Format
Enumeration
Change
ULDDS
Conditionality
ULDDS
Conditionality
2Q-2016
FNM
Implementation
Notes
2Q-2016
Enumeration
Change
2Q-2016
FNM
Implementation
Notes
Revision
Revision
Revision
Revision
Revision
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality
XPath
ULDDS Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
325
FNM Data
Point
Mandate
Date
FNM Conditionality Details
AtClosi
ng
Code change
(NonAUTOMATE
The loan approval recommendation
IF Sort ID 326to be made
AutomatedUnderwritingRecommend
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/UNDERWRITING/AUTOMATED_UNDERWRITINGS/AUTOMATED_UNDERWRITING
D_UNDERW
determined by the automated underwriting
N/A CR CR AutomatedUnderwritingSystemType =
as soon as
ationDescription
Loan
OR
RITING
system.
"DesktopUnderwriter"
possible
AtMod
ificatio
n
Documentati
on change to
be made as
soon as
possible validate for
potential
code change
Documentati
on change to
be made as
soon as
possible validate for
potential
code change
Documentati
on change to
be made as
soon as
possible validate for
potential
code change
Documentati
on change to
be made as
soon as
possible validate for
potential
code change
This data point only applies if a DU Casefile ID exists.
At this time the only accepted values are the provided
enumerated values.
AtClosi
ng
A free-form text field used to collect
(NonAUTOMATE
IF Sort ID 326AutomatedUnderwritingSystemType additional information when Other is
Subject Mods)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/UNDERWRITING/AUTOMATED_UNDERWRITINGS/AUTOMATED_UNDERWRITING
D_UNDERW
N/A CR CR AutomatedUnderwritingSystemType =
OtherDescription
selected for Automated Underwriting
Loan
OR
RITING
"Other"
System Type.
AtMod
ificatio
n
ULDDS
Format
Enumerated
String 50
Enumerated
String 50
Enumerated
GuaranteedUnderwritingSystem
Enumerated
First
Subsequent
Enumerated
INTEREST_
RATE_PER_
The number of months between rate
AtClosi
PerChangeRateAdjustmentFrequency
Subject
CR
IF Sort ID 333-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE
CHANGE_A
adjustments, if the interest rate on the
ng
N/A
CR
Numeric 3
MonthsCount
Loan
CI
"AdjustableRate"
DJUSTMEN
SubjectLoan loan can change.
(Mods)
T_RULE
A classification or description of a loan
AtClosi
AMORTIZA
Subject
IF Sort ID 397MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/AMORTIZATION/AMORTIZATION_RULE
LoanAmortizationType
generally based on the changeability of the
ng
N/A CR CR
TION_RULE
Loan
MortgageModificationIndicator = "true"
rate or payment over time.
(Mods)
Revision
Revision
Documentati
on change to
be made as
Indicates whether or not a final balloon
AtClosi
soon as
LOAN_DET
payment is required under the terms of the Subject
IF Sort ID 397MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
BalloonIndicator
ng
N/A CR CR
possible AIL
loan repayment schedule to fully pay off
Loan
MortgageModificationIndicator = "true"
(Mods)
validate for
the loan.
potential
code change
Page 62 of 114
If the loan is a balloon the BalloonIndicator (Sort ID 337)
must equal "true".
Balloon is no longer a valid Loan Amortization value. If
the loan is a balloon the BalloonIndicator must equal
"true".
FNM
Format
FNM Supported Enumerations
ApproveEligible
ApproveIneligible
EAIEligible
EAIIneligible
EAIIEligible
EAIIIneligible
EAIIIEligible
EAIIIIneligible
Error
OutofScope
ReferEligible
ReferIneligible
ReferWithCaution
ReferWithCautionIV
Unknown
INTEREST_
Send two instances of the
RATE_PER_
Specifies whether the occurrence of the
AtClosi
INTEREST_RATE_PER_CHANGE_ADJUSTMENT_R
Subject
CR
IF Sort ID 333-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE
CHANGE_A AdjustmentRuleType
adjustment is the first change or a
ng
N/A
CR
ULE container. In the first container,
Enumerated
Loan
CI
"AdjustableRate"
DJUSTMEN
subsequent change.
(Mods)
AdjustmentRuleType = "First". In the second container
T_RULE
AdjustmentRuleType = "Subsequent".
Code change
INTEREST_
AtClosi
to be made
Defines the method used to calculate the Subject
IF Sort ID 397MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INTEREST_CALCULATION/INTEREST_CALCULATION_RULES/INTEREST_CALCULATION_RULE
CALCULATI InterestCalculationType
ng
N/A CR CR
as soon as
interest on the loan.
Loan
MortgageModificationIndicator = "true"
ON_RULE
(Mods)
possible
Appendix D - Fannie Mae XML Data Reference
Phase 2-7
FNM Implementation Notes
Numeric 3
Enumerated
AdjustableRate
Fixed
GraduatedPaymentARM
GraduatedPaymentMortgage
GrowingEquityMortgage
Step
Enumerated
Enumerated
Compound
Simple
Enumerated
false
true
Boolean
Balloon is no longer a valid Loan Amortization value. If
the loan is a balloon the BalloonIndicator must equal
Boolean
"true."
ULDD Phase 2
Document Version 2.0.3
348
368
385
389
391
404
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7/23/2012
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2Q-2016
ULDDS
Conditionality
Revision
2Q-2016
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
Revision
2Q-2016
FNM
Implementation
Notes
2Q-2016
2Q-2016
2Q-2016
2Q-2016
FNM
Implementation
Notes
FNM
Implementation
Notes
FNM
Implementation
Notes
FNM
Implementation
Notes
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality
XPath
ULDDS Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
337.1
FNM Data
Point
Mandate
Date
FNM Conditionality Details
Documentati
on change to
be made as
AtClosi
soon as
LOAN_DET InitialFixedPeriodEffectiveMonthsCo The number of months that the initial
Subject
CR
IF Sort ID 333-LoanAmortizationType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
ng
N/A
CR
possible AIL
unt
fixed period of a hybrid ARM is in effect. Loan
CI
"AdjustableRate"
(Mods)
validate for
potential
code change
Documentati
on change to
be made as
A free-form text field used to collect
AtClosi
soon as
TERMS_OF_
Subject
O
O
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
MortgageTypeOtherDescription
additional information or a description of
ng
N/A
IF MortgageType = "Other"
possible MORTGAGE
Loan
CR CR
the mortgage type when Other is selected.
(Mods)
validate for
potential
code change
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
Numeric 3
Numeric 3
Not Used
Revision
Code change
An investor-specified identifier used to
INVESTOR_
Subject
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INVESTOR_FEATURES/INVESTOR_FEATURE
InvestorFeatureIdentifier
identify a loan feature not defined by other
Current N/A CR CR IF applies
FEATURE
Loan
2Q-2016
attributes.
This data point collects the Special Feature Codes (SFCs)
at the loan level. There is a limit of six ten values that
String 3
can be delivered for the InvestorFeatureIdentifier. Values
must be numeric.
*Numeric 3
Revision
Documentati
on change to
be made as
INVESTOR_
The scheduled unpaid principal balance of
soon as
LoanAcquisitionScheduledUPBAmo
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INVESTOR_LOAN_INFORMATION
LOAN_INFO
the mortgage as of loan acquisition or the
Current N/A CI
possible unt
Loan
RMATION
issue date of the associated security.
validate for
potential
code change
CR Required for MBS loans
The Issue Date Principal Balance is the scheduled
balance for an MBS loan as of the issue date for the pool.
If the payment is due on the first of the month, indicate
the balance after application of the principal portion of
Amount 9.2
the payment due in the issue month (otherwise, indicate
the balance after application of the principal portion of
the payment due in the month preceding the issue date).
If left blank, the system will calculate this value.
Amount 9.2
CR Required for MBS loans
Used in conjunction with REOMarketingPartyType (Sort
ID 391) to determine Foreclosure Loss Risk Code.
Maps to Foreclosure Loss Risk Code as follows:
F = LoanDefaultLossPartyType="Investor" and
REOMarketingPartyType="Investor"
L = LoanDefaultLossPartyType="Lender" and
Enumerated
REOMarketingPartyType="Lender"
S = LoanDefaultLossPartyType="Shared" and
REOMarketingPartyType="Lender"
M = LoanDefaultLossPartyType="Shared" and
REOMarketingPartyType="Investor"
Investor
Lender
Shared
Enumerated
CR Required for MBS loans
Used in conjunction with LoanDefaultLossPartyType
(Sort ID 389) to determine Foreclosure Loss Risk Code.
Maps to Foreclosure Loss Risk Code as follows:
F = LoanDefaultLossPartyType="Investor" and
REOMarketingPartyType="Investor"
L = LoanDefaultLossPartyType="Lender" and
REOMarketingPartyType="Lender"
S = LoanDefaultLossPartyType="Shared" and
REOMarketingPartyType="Lender"
M = LoanDefaultLossPartyType="Shared" and
REOMarketingPartyType="Investor"
Enumerated
Investor
Lender
Enumerated
LoanProgramIdentifier must be populated with
"LoanFirstTimeHomebuyer" when a loan qualifies as a
First Time Homebuyer. This data point is mapped to the
current 2000-character field, "First-time Homebuyer".
LoanProgramIdentifier is requested at the loan level
because Fannie Mae is only capturing data for two
borrowers at this present time.
Enumerated
LoanFirstTimeHomebuyer
Enumerated
Revision
Documentati
on change to
be made as
INVESTOR_
soon as
Indicates the party that bears the default
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INVESTOR_LOAN_INFORMATION
LOAN_INFO LoanDefaultLossPartyType
Current N/A CI
possible loss for the loan.
Loan
RMATION
validate for
potential
code change
Revision
Documentati
on change to
be made as
INVESTOR_
soon as
Identifies the party responsible for
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/INVESTOR_LOAN_INFORMATION
LOAN_INFO REOMarketingPartyType
Current N/A CI
possible marketing the property in case of default.
Loan
RMATION
validate for
potential
code change
Revision
Documentati
on change to
be made as
Identifies the mortgage program
soon as
LOAN_PRO
Subject
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_PROGRAMS/LOAN_PROGRAM
LoanProgramIdentifier
associated with the loan as defined by a
Current N/A CR CR IF applies
possible GRAM
Loan
specific entity.
validate for
potential
code change
Appendix D - Fannie Mae XML Data Reference
Phase 2-7
Page 63 of 114
ULDD Phase 2
Document Version 2.0.3
414
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7/23/2012
2Q-2016
2Q-2016
FNM
Implementation
Notes
Enumeration
Change
Revision
Revision
442
7/23/2012
2Q-2016
ULDDS
Conditionality
Revision
473
7/23/2012
2Q-2016
ULDDS
Conditionality
Revision
497
499
510
7/23/2012
7/23/2012
7/23/2012
2Q-2016
FNM
Implementation
Notes
2Q-2016
FNM
Implementation
Notes
2Q-2016
ULDDS
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
Revision
Revision
Parent
Container
MISMO Data Point Name
MISMO Definition
Documentati
on change to
be made as
The number assigned by the private
soon as
MI_DATA_D
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MI_DATA/MI_DATA_DETAIL
MICertificateIdentifier
mortgage insurance company to track a
possible ETAIL
loan.
validate for
potential
code change
A free-form text field used to capture the
Code change
MI_DATA_D MICompanyNameTypeOtherDescript mortgage insurance company name if
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MI_DATA/MI_DATA_DETAIL
ETAIL
ion
Other is selected as the mortgage
2Q-2016
insurance company name.
Documentati
on change to
be made as
soon as
possible validate for
potential
code change
Documentati
on change to
be made as
soon as
possible validate for
potential
code change
Documentati
on change to
be made as
soon as
possible validate for
potential
code change
Documentati
on change to
be made as
soon as
possible validate for
potential
code change
FNM Conditionality
XPath
ULDDS Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
412
FNM Data
Point
Mandate
Date
FNM Conditionality Details
Subject
Current N/A CR CR IF conventional MI exists
Loan
FNM Implementation Notes
R Required for all loans
A free-form text field used to collect
TERMS_OF_
Subject AtCon
O
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
MortgageTypeOtherDescription
additional information or a description of
N/A
MORTGAGE
Loan version
CI
the mortgage type when Other is selected.
O N/A
FNM
Format
FNM Supported Enumerations
At this time the only reasonable values are 10 characters
long.
String 50
*String 10
For FHA Powersaver loan include the Product ID in this
field.
Subject
IF Sort ID 413-MICompanyNameType =
Current N/A CR CR
Loan
"Other"
PAYMENT_
The current unpaid principal balance on
Subject
R
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/PAYMENT/PAYMENT_SUMMARY
UPBAmount
Current N/A
SUMMARY
the loan.
Loan
CI
ULDDS
Format
Enumerated
ArchMI
CAHLIF
MDHousing
MIF
NMI
SONYMA
Enumerated
Amount 9.2
Amount 9.2
Not Used
If the loan is a balloon the BalloonIndicator (Sort ID 499)
must equal "true".
A classification or description of a loan
AMORTIZA
Related AtClosi
IF second lien is being delivered, required for
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/AMORTIZATION/AMORTIZATION_RULE
LoanAmortizationType
generally based on the changeability of the
N/A CR CR
Enumerated
TION_RULE
Loan
ng
first lien
Balloon is no longer a valid Loan Amortization value. If
rate or payment over time.
the loan is a balloon the BalloonIndicator must equal
"true".
Indicates whether or not a final balloon
Balloon is no longer a valid Loan Amortization value. If
LOAN_DET
payment is required under the terms of the Related AtClosi
IF second lien is being delivered, required for
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
BalloonIndicator
N/A CR CR
the loan is a balloon the Balloon Indicator must equal
Boolean
AIL
loan repayment schedule to fully pay off
Loan
ng
first lien
"true".
the loan.
AdjustableRate
Fixed
GraduatedPaymentARM
GraduatedPaymentMortgage
GrowingEquityMortgage
Step
Enumerated
false
true
Boolean
RelatedLoan
Enumerated
IF the subject loan has secondary financing
Revision
Code change
Used as an attribute on LOAN to
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN
LOAN
LoanRoleType
distinguish subject loans from related
2Q-2016
loans.
Appendix D - Fannie Mae XML Data Reference
Phase 2-7
Related
CR
Complete this field if the subject loan has secondary
Current N/A
CR IF (more than one concurrently closing lien
Loan
CI
financing upto 3 related loans.
exists on the subject property) OR (second
lien is being delivered, required for first lien)
Page 64 of 114
Enumerated
ULDD Phase 2
Document Version 2.0.3
512
513
514
515
516
517
519
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
2Q-2016
2Q-2016
ULDDS
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
ULDDS
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
ULDDS
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
2Q-2016
ULDDS
Conditionality
FNM
Conditionality
Details
2Q-2016
ULDDS
Conditionality
FNM
Conditionality
Details
2Q-2016
2Q-2016
2Q-2016
ULDDS
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
ULDDS
Conditionality
FNM
Conditionality
Details
Enumeration
Change
ULDDS
Conditionality
FNM
Conditionality
Details
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality
XPath
ULDDS Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
511
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
Revision
IF Sort ID 513-HELOCIndicator = "true"
Code change
HELOC_OC CurrentHELOCMaximumBalanceAm The total dollar amount of the line of
Related
CR
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/HELOC/HELOC_OCCURRENCES/HELOC_OCCURRENCE
Current N/A
CR IF more than one concurrently closing lien
CURRENCE ount
credit as of the date reported.
Loan
CI
2Q-2016
exists on the subject property AND
HelocIndicator = "true"
The sum of the drawn and the undrawn HELOC amount
should equal the maximum line of credit. If the
maximum credit line has been modified, enter the greater Amount 9.2
of the maximum home equity line of credit or the amount
drawn.
Amount 9.2
Revision
IF Sort ID 513-HELOCIndicator = "true"
Code change
HELOC_OC
The outstanding balance of the home
Related
CR
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/HELOC/HELOC_OCCURRENCES/HELOC_OCCURRENCE
HELOCBalanceAmount
Current N/A
CR IF more than one concurrently closing lien
CURRENCE
equity line of credit (HELOC).
Loan
CI
2Q-2016
exists on the subject property AND
HelocIndicator = "true"
Enter the amount drawn (outstanding UPB) as of the Note
Date of the First Lien Mortgage, not the maximum home
Amount 9.2
equity line of credit amount. Enter "0" if no
disbursements have occurred as of the Note Date.
Amount 9.2
Revision
Code change
LOAN_DET
Indicates whether or not a loan is a
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL
HELOCIndicator
AIL
HELOC.
2Q-2016
Related
CR
Current N/A
CR
Loan
CI
IF Sort ID 510-LoanRoleType =
"RelatedLoan" AND Sort ID 515LoanStateType = "Current"
Enter "true" if subordinated financing is a HELOC.
Boolean
false
true
Boolean
IF more than one concurrently closing lien
exists on the subject property
Revision
IF Sort ID 515-LoanStateType exists
Code change
LOAN_STAT
Related
CR
The date the data is retrieved from the lender’s delivery
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_STATE
LoanStateDate
Specifies the date for the Loan State Type.
Current N/A
CR IF (more than one concurrently closing lien
E
Loan
CI
system.
2Q-2016
exists on the subject property) OR (second
lien is being delivered, required for first lien)
Revision
Code change
Identifies the state in time for the
LOAN_STAT
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_STATE
LoanStateType
information associated with this
E
2Q-2016
occurrence of LOAN.
Revision
IF Sort ID 513-HELOCIndicator = "false"
Code change
IF (more than one concurrently closing lien
PAYMENT_
The current unpaid principal balance on
Related
CR
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/PAYMENT/PAYMENT_SUMMARY
UPBAmount
Current N/A
CR exists on the subject property AND
SUMMARY
the loan.
Loan
CI
2Q-2016
HelocIndicator = "false") OR (second lien is
being delivered, required for first lien)
YYYY-MMDD
YYYY-MMDD
IF subject loan has secondary financing
Revision
Revision
Code change
TERMS_OF_
Specifies the priority of the lien against
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
LienPriorityType
MORTGAGE
the subject property.
2Q-2016
Code change
TERMS_OF_
Specifies the type of mortgage being
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_MORTGAGE
MortgageType
MORTGAGE
applied for or that has been granted.
2Q-2016
Appendix D - Fannie Mae XML Data Reference
Phase 2-7
Related
CR
Current N/A
CR IF (more than one concurrently closing lien
Loan
CI
exists on the subject property) OR (second
lien is being delivered, required for first lien)
Related
CR
Current N/A
CR
Loan
CI
IF Sort ID 510-LoanRoleType =
"RelatedLoan" AND Sort ID 515LoanStateType = "Current"
more than one concurrently closing lien
exists on the subject property.
Related
CR
Current N/A
CR
Loan
CI
IF Sort ID 510-LoanRoleType =
"RelatedLoan" AND Sort ID 515LoanStateType = "Current"
more than one concurrently closing lien
exists on the subject property.
Page 65 of 114
Enumerated
Enter the balance of the closed-end subordinate
Mortgage.
Current
Enumerated
Amount 9.2
There may be up to 3 LOAN Containers with
LoanRoleType = "RelatedLoan” and LoanStateType =
Enumerated
"Current”, but each valid value for LienPriorityType may
be used only once.
Enumerated
Amount 9.2
SecondLien
ThirdLien
FourthLien
Enumerated
Conventional
FHA
USDARuralHousing
VA
Enumerated
ULDD Phase 2
Document Version 2.0.3
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality
XPath
ULDDS Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
Identifies the field appraiser's state license number (or
state certification number in the absence of a license
number) issued by the state in which the subject property
is located.
Only enter the License or Certificate Number as indicated
by the appraisal subcommittee. Do not deliver extra
language that may be included by the appraiser.
525
7/23/2012
2Q-2016
FNM
Conditionality
Details
FNM
Implementation
Notes
ULDDS Format
FNM Format
When the appraiser is a trainee and has a supervisory
appraiser, you must deliver Appraiser Supervisor
Identifier (Sort ID 534), whether or not the appraiser
supervisor signed the appraisal.
Revision
IF Sort ID 528-PartyRoleType = "Appraiser"
Code change
State license number of the appraiser who
App
AND (Sort ID 89APPRAISER_
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/APPRAISER/APPRAISER_LICENSE
AppraiserLicenseIdentifier
completed the final estimate of value for
N/A
N/A raise CR CR PropertyValuationMethodType = "DriveBy"
LICENSE
2Q-2016
the subject property.
r
OR "FullAppraisal" OR
"PriorAppraisalUsed")
When the appraiser is a trainee and has a license ID,
deliver the trainee's license identifier in Appraiser
String 50
License Identifier (Sort ID 525), and deliver the appraiser String 21
supervisor's license identifier in Appraiser Supervisor
Identifier (Sort ID 534).
String 50
*String 21
When the appraiser is a trainee and does not have a
license ID, deliver the word "trainee" (lower case) in
Appraiser License Identifier (Sort ID 525) and deliver
appraiser supervisor's license identifier in Appraiser
Supervisor Identifier (Sort ID 534).
When the appraiser is not a trainee and there is no
supervisory appraiser, leave the Appraiser Supervisor
Identifier (Sort ID 534) field blank (do not make any
entry such as N/A or none) and deliver the Appraiser
License Identifier (Sort ID 525).
If delivering a loan with an exercised Property Inspection
534
537
544
7/23/2012
7/23/2012
7/23/2012
2Q-2016
2Q-2016
2Q-2016
FNM
Implementation
Notes
ULDDS Format
FNM Format
FNM
Conditionality
Details
FNM
Implementation
Notes
Revision
App
Code change
State license number of the appraiser who
raise
IF Sort ID 537-PartyRoleType =
APPRAISER_
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/APPRAISER_SUPERVISOR/APPRAISER_LICENSE
AppraiserLicenseIdentifier
completed the final estimate of value for
N/A
N/A rSup CR CR "AppraiserSupervisor" AND supervisor
LICENSE
2Q-2016
the subject property.
ervi
signed appraisal
sor
Revision
Identifies the role that the party plays in
Code change
ROLE_DETA
the transaction. Parties may be either a
to be made MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType
IL
person or legal entity. A party may play
2Q-2016
multiple roles in a transaction.
Revision
Documentati
on change to
be made as
soon as
LEGAL_ENT
The unparsed name of either an individual
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/LEGAL_ENTITY/LEGAL_ENTITY_DETAIL
FullName
N/A
N/A
possible ITY_DETAIL
or a legal entity.
validate for
potential
code change
Appendix D - Fannie Mae XML Data Reference
Phase 2-7
N/A
N/A
IF Sort ID 317-MortgageType =
"Conventional" AND [(Sort ID 89App
PropertyValuationMethodType = "DriveBy"
raise
OR "FullAppraisal" OR
rSup CR CR
"PriorAppraisalUsed") OR Sort ID 90ervi
PropertyValuationMethodTypeOtherDescript
sor
ion = "FieldReview"] AND supervisor signed
appraisal
Identifies the field appraiser's state license number (or
state certification number in the absence of a license
number) issued by the state in which the subject property
is located.
String 50
String 21
Only enter the License or Certificate Number as indicated
by the appraisal subcommittee. Do not deliver extra
language that may be included by the appraiser.
Enumerated
Borr
Only 35 characters are supported at this time.
IF Sort ID 611-PartyRoleType = "Borrower"
owe CR CR
Enter the complete, unparsed name of the non-individual String 100
AND Borrower is a legal entity
r
title holder of the Mortgaged Premises.
Page 66 of 114
String 50
*String 21
AppraiserSupervisor
Enumerated
*String 35
ULDD Phase 2
Document Version 2.0.3
560
7/23/2012
7/23/2012
2Q-2016
2Q-2016
FNM
Implementation
Notes
FNM
Implementation
Notes
Revision
FNM
Implementation
Notes
Revision
572
7/23/2012
2Q-2016
FNM
Conditionality
Details
Revision
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
7/23/2012
2Q-2016
FNM
Implementation
Notes
FNM Conditionality
MISMO Definition
Documentati
on change to
be made as
The two-character representation of the
soon as
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ADDRESSES/ADDRESS
ADDRESS
StateCode
US state, US Territory, Canadian
possible Province, Military APO FPO, or Territory.
validate for
potential
code change
2Q-2016
582
MISMO Data Point Name
Revision
7/23/2012
2Q-2016
Parent
Container
Documentati
on change to
be made as
soon as
The two-character representation of the
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ADDRESSES/ADDRESS
ADDRESS
CountryCode
possible country.
validate for
potential
code change
571
580
XPath
ULDDS Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
555
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
FNM
Format
FNM Supported Enumerations
Supply two-character codes from the ISO 3166 standard
(International Organization for Standardization).
N/A
N/A
N/A
N/A
IF Sort ID 611-PartyRoleType = "Borrower"
Borr
AND Sort ID 572Enter two-character code from the International
owe CR CR BorrowerMailToAddressSameAsPropertyInd
String 2
Organization for Standardization (ISO) 3166-1-alpha-2
r
icator = "false" AND Sort ID 571code list at
BorrowerClassificationType = "Primary"
http://www.iso.org/iso/country_codes/iso_3166_code_lis
ts/country_names_and_code_elements.htm
String 2
Use USPS list of two-character codes
If the borrower's mailing address is outside of the United
IF Sort ID 611-PartyRoleType = "Borrower"
States or Canada, leave this data point blank
AND Sort ID 572Borr
BorrowerMailToAddressSameAsPropertyInd
If the Borrower's mailing address is outside of the United
owe CR CR icator = "false" AND Sort ID 571String 2
States or Canada, do not send this data point.
r
BorrowerClassificationType = "Primary"
Enter "Official USPS Abbreviation" for State or US
AND (Sort ID 555-CountryCode = "US" OR
Possession maintained by the United States Postal
"CA")
Service (USPS) at http://www.usps.com/send/officialabbreviations.htm
Documentati
on change to
be made as
Borr
soon as
BORROWER
Indicates whether the borrower is the
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/BORROWER_DETAIL
BorrowerClassificationType
N/A
N/A owe CR CR IF Sort ID 611-PartyRoleType = "Borrower"
possible _DETAIL
primary or a secondary borrower.
r
validate for
potential
code change
Documentati
on change to
be made as
When true, indicates that the mailing
Borr
IF Sort ID 611-PartyRoleType = "Borrower"
soon as
BORROWER BorrowerMailToAddressSameAsProp
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/BORROWER_DETAIL
address for the borrower is the same as the N/A
N/A owe CR CR AND Sort ID 571possible _DETAIL
ertyIndicator
property address.
r
BorrowerClassificationType = "Primary"
validate for
potential
code change
Fannie Mae only supports delivery of information for up
to two four borrowers. If the loan contains more than two
four borrowers, designate a borrower and co-borrowers
Enumerated
based on the "Primary" borrower who signed the
mortgage note and the "Secondary" co-borrowers who
signed the mortgage note.
Boolean
New
A reference number assigned by the credit
Code change
CREDIT_SC
bureau to a specific credit report. This
Borr
Enter the credit reference number associated with the
to be made
CR CR IF Sort ID 611-PartyRoleType = "Borrower"
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/CREDIT_SCORES/CREDIT_SCORE/CREDIT_SCORE_DETAIL
ORE_DETAI CreditReportIdentifier
report number is also referenced when a
N/A
N/A owe
Borrower credit report used to underwrite the delivered
as soon as
O
O AND Sort ID 590-CreditScoreValue exists
L
Reissue, Upgrade, or Status Query of an
r
loan. This field is N/A for legal entities.
possible
existing report is requested.
Revision
Documentati
on change to
Indicates whether a Credit Repository
be made as
CREDIT_SC
Source is available. If a Credit Repository
Borr
soon as
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/CREDIT_SCORES/CREDIT_SCORE/CREDIT_SCORE_DETAIL
ORE_DETAI CreditRepositorySourceIndicator
Source is available, the source can be
N/A
N/A owe CR CR IF Sort ID 611-PartyRoleType = "Borrower"
possible L
provided in Credit Repository Source
r
validate for
Type.
potential
code change
Appendix D - Fannie Mae XML Data Reference
Phase 2-7
ULDDS
Format
Page 67 of 114
Used in conjunction with CreditRepositorySourceType
(Sort ID 583). The Credit Repository Source Indicator
must equal "false" when the borrower is relying on
nontraditional credit, in instances where the credit score
is invalid due to inaccuracies in the repository's records,
or the credit score is obtained from an ineligible source
(foreign credit scores). The Credit Repository Source
Indicator must equal "false" when the borrower is a legal
entity.
String 2
Primary
Secondary
Enumerated
false
true
Boolean
String 30
Boolean
String 30
false
true
Boolean
ULDD Phase 2
Document Version 2.0.3
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality
XPath
ULDDS Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
Not Used
Refer to the Credit Information Providers List below
available on the Fannie Mae portal:
https://www.fanniemae.com/content/datagrid/credit_prov
ider/cpsortbyname.html
591.1
2Q-2016
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Implementation
Notes
New
Enter the Reference # associated with the Credit Score
Provider name used to obtain the representative
Code change
CREDIT_SC
Identifies the name of the company
CreditScoreValue (Sort ID 590) assigned to the borrower.
Borr
to be made
ORE_PROVI
providing the credit score data. This is
For example, if the credit score was obtained from a
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/CREDIT_SCORES/CREDIT_SCORE/CREDIT_SCORE_PROVIDER/CREDIT_SCORE_PROVIDER_DETAIL
CreditScoreProviderName
N/A
N/A owe CI O N/A
Enumerated
as soon as
DER_DETAI
one of the requirements of the 2003 FACT
credit report provided by CBC Innovis, Inc then provide
r
possible
L
Act.
'3' in the CreditScoreProviderName. If lender's Credit
Score Provider name is not listed, enter '000'
(FNMAllowedCreditScoreProviderName).
Enumerated
You only need to implement the Credit Score Provider
Reference # values used within your company. The
Credit Information Providers List contains over 200+
credit providers so you only need to implement the Credit
Score Provider enumerations used within your company.
This field is N/A for legal entities.
596
597
2Q-2016
7/23/2012
2Q-2016
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
FNM
Implementation
Notes
New
Enter "true" if the Uniform Residential Loan Application
Code change
Borrower’s answer to the question: Have
Borr
(URLA), credit report, or other loan documents indicate
to be made
DECLARATI
you been declared bankrupt within the
CR CR
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/DECLARATION/DECLARATION_DETAIL
BankruptcyIndicator
N/A
N/A owe
IF Sort ID 611-PartyRoleType = "Borrower" that the bBorrower has declared bankruptcy within the
Boolean
as soon as
ON_DETAIL
past 7 years? Collected on the URLA in
O
O
r
past seven 7 years. Provide as applicable for legal
possible
Section VIII, line b.
entities.
false
true
Boolean
Revision
An individual is considered a First-Time Home Buyer
(FTHB) who (1) is purchasing the security property; (2)
will reside in the security property; and (3) had no
ownership (sole or joint) in a residential property during
Documentati
Indicates that the borrower qualifies as a
the three-year period preceding the date of the purchase
on change to
first time homebuyer as determined by the
of the security property. In addition, an individual who is
IF Sort ID 611-PartyRoleType = "Borrower"
be made as
lender and/or the investor. (Note:
a displaced homemaker or single parent also will be
Borr
AND Borrower is an individual AND Sort ID
soon as
DECLARATI BorrowerFirstTimeHomebuyerIndicat Information provided by the borrower in
considered a FTHB if he or she had no ownership interest
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/DECLARATION/DECLARATION_DETAIL
N/A
N/A owe CR CR 315-LoanPurposeType = "Purchase" AND
Boolean
possible ON_DETAIL or
Section VIII, line m, of the URLA,
in a principal residence (other than a joint ownership
r
Sort ID 69-PropertyUsageType =
validate for
regarding ownership of a property in the
interest with a spouse) during the preceding three-year
"PrimaryResidence"
potential
past three years, may not be relied upon
time period. For Additional information about making
code change
for this information.)
this determination, see the instructions for the Uniform
Residential Loan Application (Form 1003).
Enter "true" if the Borrower is a First-Time Homebuyer as
defined in the Borrower Quick Guide. Borrower data
must be delivered for each First-Time Homebuyer.
false
true
Boolean
Appendix D - Fannie Mae XML Data Reference
Phase 2-7
Page 68 of 114
ULDD Phase 2
Document Version 2.0.3
600
614
627
628
2Q-2016
2Q-2016
7/23/2012
7/23/2012
7/23/2012
2Q-2016
2Q-2016
2Q-2016
FNM
Implementation
Notes
FNM
Implementation
Notes
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
Parent
Container
MISMO Data Point Name
MISMO Definition
FNM Conditionality
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
XPath
ULDDS Conditionality
2Q-2016
New Data Point
ULDDS
Conditionality
FNM
Conditionality
FNM
Conditionality
Details
FNM
Implementation
Notes
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
599
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
New
Borrowers answer to the question: Have
Code change
you directly or indirectly been obligated
Borr
to be made
DECLARATI LoanForeclosureOrJudgmentIndicato on any loan that resulted in foreclosure,
CR CR
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/DECLARATION/DECLARATION_DETAIL
N/A
N/A owe
IF Sort ID 611-PartyRoleType = "Borrower"
as soon as
ON_DETAIL r
transfer of title in lieu of foreclosure, or
O
O
r
possible
judgment? Collected on the URLA in
Section VIII, line e.
New
Enter "true" if the referenced income being used to
Code change
Indicates that in the referenced
Borr
qualify the borrower is from self-employment. The
to be made
EMPLOYME EmploymentBorrowerSelfEmployedI
CR CR IF Sort ID 611-PartyRoleType = "Borrower"
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/EMPLOYERS/EMPLOYER/EMPLOYMENT
employment the borrower is selfN/A
N/A owe
Employment Borrower Self Employed Indicator must
as soon as
NT
ndicator
O
O AND Borrower is an individual
employed.
r
equal "false" when the borrower in an Entity.
possible
This is N/A for legal entities.
Boolean
Revision
Documentati
on change to
be made as
The value of the taxpayer identifier as
Borr
soon as
TAXPAYER_
Numeric data only.Valid format is NNNNNNNNN - Do
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/TAXPAYER_IDENTIFIERS/TAXPAYER_IDENTIFIER
TaxpayerIdentifierValue
assigned by the IRS to the individual or
N/A
N/A owe CR CR IF Sort ID 611-PartyRoleType = "Borrower"
possible IDENTIFIER
not enter dashes.
legal entity.
r
validate for
potential
code change
String 9
String 9
String 50
*Numeric 12
Revision
Revision
Documentati
Loa
on change to
nOri
be made as
PARTY_ROL
gina
soon as
The unique identifier assigned to the party
IF Sort ID 628-PartyRoleType =
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PARTY_ROLE_IDENTIFIER
E_IDENTIFI PartyRoleIdentifier
N/A
N/A tion CR CR
possible role.
"LoanOriginationCompany"
ER
Co
validate for
mpa
potential
ny
code change
Documentati
on change to
be made as
Identifies the role that the party plays in
soon as
ROLE_DETA
the transaction. Parties may be either a
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType
possible IL
person or legal entity. A party may play
validate for
multiple roles in a transaction.
potential
code change
Appendix D - Fannie Mae XML Data Reference
Phase 2-7
N/A
N/A
Loa
nOri
gina
R
R Required for all loans IF loan origination
tion
CR CR company data is available
Co
mpa
ny
Page 69 of 114
Enter "true" if the URLA, credit report, or other loan
documents indicate the Borrower has been directly or
indirectly obligated on a loan that resulted in foreclosure, Boolean
transfer of title in lieu of foreclosure, or judgment.
Provide as applicable for legal entities.
false
true
Boolean
false
true
Boolean
The loan orignation company's unique identifier as
assigned by the Nationwide Mortgage Licensing System
and Registry. The loan origination company is the
company the loan originator is employed by or is
representing as an independent contrator. This field is
associated with Title V requirements mandated by FHFA
and as such is conditional on those requirements.
The only reasonable values supported at this time are 12
numeric digits.
If a state regulated loan origination company does not
have a NMLS ID because they are located in Delaware,
Maine, or Missouri, the Loan Originator Company
Identifier should be populated with the value shown
below for the corresponding state: Delaware = 1001,
Maine = 1002, Missouri = 1003.
Enumerated
LoanOriginationCompany
Enumerated
ULDD Phase 2
Document Version 2.0.3
672
673
11/26/2012
7/23/2012
7/23/2012
2Q-2016
FNM
Implementation
Notes
2Q-2016
FNM
Conditionality
Details
FNM
Implementation
Notes
2Q-2016
FNM
Conditionality
Details
FNM
Implementation
Notes
Revision
Revision
Revision
Parent
Container
MISMO Data Point Name
MISMO Definition
Documentati
on change to
be made as
soon as
LEGAL_ENT
The unparsed name of either an individual
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/LEGAL_ENTITY/LEGAL_ENTITY_DETAIL
FullName
N/A
N/A
possible ITY_DETAIL
or a legal entity.
validate for
potential
code change
Documentati
on change to
be made as
soon as
POOL_DETA
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
PoolInterestRateRoundingType
possible IL
validate for
potential
code change
Documentati
on change to
be made as
soon as
POOL_DETA
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL
PoolInvestorProductPlanIdentifier
possible IL
validate for
potential
code change
Appendix D - Fannie Mae XML Data Reference
Phase 2-7
Indicates how the interest rate is rounded
when a new interest rate is calculated for a
pool of loans.
Identifies the plan of the varying loan
payment and/or rate change characteristics
for a pool of loans issued by the servicer.
N/A
N/A
N/A
N/A
FNM Conditionality
XPath
ULDDS Conditionality
Data Point Data Point
New /
Change
Revision
Type
Party Role Type
Change
Description
(Columns
Updated)
Loan State Type
FNM
Revision
Effective
Date
Loan Role Type
Sort ID
641.1
FNM Data
Point
Mandate
Date
FNM Conditionality Details
FNM Implementation Notes
ULDDS
Format
FNM
Format
FNM Supported Enumerations
Enter the company name of the entity funding the
applicable loan, as stated on the note.
Not
IF Sort ID 641.2-PartyRoleType =
ePay CR CR
"NotePayTo"
To
To clarify, on the Note in Section 1. Borrower’s Promise
to Pay, the Seller would provide the name exactly as it
appears after ‘The Lender is’.
String 100
String 100
Sellers should not enter their seller number, loan officer
name, dates or abbreviations in this field. For more
information on SEC Mortgage Funder please see the
FAQ's posted on Fannie Mae's website.
N/A CI
N/A CI
Page 70 of 114
Required for MBS IF Loan Sort ID 662CR
PoolAmortizationType = "AdjustableRate"
CR
Required for MBS IF Loan Sort ID 662PoolAmortizationType = "AdjustableRate"
Used in conjunction with
PoolInterestRateRoundingTypePercent (Sort ID 671).
All loans in the pool must have the same
InterestRateRoundingPercent (Sort ID 117).
Enumerated
Down
Nearest
NoRounding
Up
Enumerated
All loans in the pool must have the same
InvestorProductPlanIdentifier (Sort ID 379).
String 10
*Numeric 5
Only reasonable values supported at this time are 5
numeric digits.
ULDD Phase 2
Document Version 2.0.3
Sort ID
1
2
2
33
33
38
38
41
41
42
42
42
42
42
42
42
42
42
42
42
42
43
43
43
43
43
44
47
47
50
50
50
51
51
51
63
63
63
64
69
69
69
80
80
80
80
80
80
80
FNM
FNM
A (Added)
Data Point
Enumeration
D (Deleted)
Mandate Date Effective Date M (Modified)
7/23/2012
7/23/2012
7/23/2012
2Q-2016
2Q-2016
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
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7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
2Q-2016
2Q-2016
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
7/23/2012
2Q-2016
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
A
A
A
A
A
D
Appendix D - Fannie Mae XML Data Reference
Enumerations-8
MISMO Data Point Name
MISMOReferenceModelIdentifier
AboutVersionIdentifier
AboutVersionIdentifier
ManufacturedHomeWidthType
ManufacturedHomeWidthType
CondominiumProjectStatusType
CondominiumProjectStatusType
ProjectAttachmentType
ProjectAttachmentType
ProjectClassificationIdentifier
ProjectClassificationIdentifier
ProjectClassificationIdentifier
ProjectClassificationIdentifier
ProjectClassificationIdentifier
ProjectClassificationIdentifier
ProjectClassificationIdentifier
ProjectClassificationIdentifier
ProjectClassificationIdentifier
ProjectClassificationIdentifier
ProjectClassificationIdentifier
ProjectClassificationIdentifier
ProjectDesignType
ProjectDesignType
ProjectDesignType
ProjectDesignType
ProjectDesignType
ProjectDesignTypeOtherDescription
ProjectLegalStructureType
ProjectLegalStructureType
AttachmentType
AttachmentType
AttachmentType
ConstructionMethodType
ConstructionMethodType
ConstructionMethodType
PropertyEstateType
PropertyEstateType
PropertyEstateType
PropertyEstateTypeOtherDescription
PropertyUsageType
PropertyUsageType
PropertyUsageType
AVMModelNameType
AVMModelNameType
AVMModelNameType
AVMModelNameType
AVMModelNameType
AVMModelNameType
AVMModelNameType
FNM Supported Enumerations
3.0.0.263.12
FNM 1.0
FNM 2.0
MultiWide
SingleWide
Established
New
Attached
Detached
E
F
G
P
Q
R
S
T
U
V
1
2
GardenProject
HighriseProject
MidriseProject
Other
TownhouseRowhouse
OtherSelectedOnValuationDocumentation
Condominium
Cooperative
Attached
Detached
SemiDetached
Manufactured
Modular
SiteBuilt
FeeSimple
Leasehold
Other
LifeEstate
Investment
PrimaryResidence
SecondHome
AutomatedPropertyService
Casa
FidelityHansen
HomePriceAnalyzer
HomePriceIndex
HomeValueExplorer
Indicator
Page 71 of 114
ULDD Phase 2
Document Version 2.0.3
Sort ID
80
80
80
80
80
80
80
80
80
80
80
80
80
81
85
85
85
85
85
85
85
85
85
85
85
85
89
89
89
89
89
89
89
90
93
110
111
111
111
111
111
111
111
111
111
111
111
111
111
FNM
FNM
A (Added)
Data Point
Enumeration
D (Deleted)
Mandate Date Effective Date M (Modified)
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
2Q-2016
2Q-2016
2Q-2016
2Q-2016
2Q-2016
2Q-2016
2Q-2016
2Q-2016
2Q-2016
2Q-2016
2Q-2016
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
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7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
2Q-2016
2Q-2016
2Q-2016
2Q-2016
2Q-2016
2Q-2016
2Q-2016
2Q-2016
2Q-2016
2Q-2016
2Q-2016
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
7/23/2012
2Q-2016
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
A
A
A
A
A
A
A
A
A
A
A
A
A
A
D
Appendix D - Fannie Mae XML Data Reference
Enumerations-8
MISMO Data Point Name
AVMModelNameType
AVMModelNameType
AVMModelNameType
AVMModelNameType
AVMModelNameType
AVMModelNameType
AVMModelNameType
AVMModelNameType
AVMModelNameType
AVMModelNameType
AVMModelNameType
AVMModelNameType
AVMModelNameType
AVMModelNameTypeOtherDescription
PropertyValuationFormType
PropertyValuationFormType
PropertyValuationFormType
PropertyValuationFormType
PropertyValuationFormType
PropertyValuationFormType
PropertyValuationFormType
PropertyValuationFormType
PropertyValuationFormType
PropertyValuationFormType
PropertyValuationFormType
PropertyValuationFormType
PropertyValuationMethodType
PropertyValuationMethodType
PropertyValuationMethodType
PropertyValuationMethodType
PropertyValuationMethodType
PropertyValuationMethodType
PropertyValuationMethodType
PropertyValuationMethodTypeOtherDescription
LoanRoleType
IndexSourceType
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
FNM Supported Enumerations
NetValue
Other
Pass
PropertySurveyAnalysisReport
ValueFinder
ValuePoint
ValuePoint4
ValuePointPlus
ValueSure
ValueWizard
ValueWizardPlus
VeroIndexPlus
VeroValue
MTM
AppraisalUpdateAndOrCompletionReport
DesktopUnderwriterPropertyInspectionReport
ExteriorOnlyInspectionIndividualCondominiumUnitAppraisalReport
ExteriorOnlyInspectionIndividualCooperativeInterestAppraisalReport
ExteriorOnlyInspectionResidentialAppraisalReport
IndividualCondominiumUnitAppraisalReport
IndividualCooperativeInterestAppraisalReport
ManufacturedHomeAppraisalReport
OneUnitResidentialAppraisalFieldReviewReport
SmallResidentialIncomePropertyAppraisalReport
TwoToFourUnitResidentialAppraisal
UniformResidentialAppraisalReport
AutomatedValuationModel
DesktopAppraisal
DriveBy
FullAppraisal
None
Other
PriorAppraisalUsed
FieldReview
SubjectLoan
Other
6MonthTreasuryBillAuctionHighMonthlyAverage
1YearTreasuryConstantMaturitiesMonthlyAverage
3YearTreasuryConstantMaturitiesMonthlyAverage
5YearTreasuryConstantMaturitiesMonthlyAverage
NationalAverageContractMortgageRateForThePurchaseOfPreviouslyOccupiedHomes
6MonthTreasuryBillAuctionHighDiscountRate
1YearTreasuryConstantMaturitiesWeeklyAverage
3YearTreasuryConstantMaturitiesWeeklyAverage
5YearTreasuryConstantMaturitiesWeeklyAverage
6MonthMoneyMarketComBankWeekly
FHLBB11thDistrictCostOfFundsMonthlyAverage
10YearTreasuryConstantMaturitiesWeeklyAverage
NationalMonthlyMedianCostOfFundsRateMonthlyAverage
Page 72 of 114
ULDD Phase 2
Document Version 2.0.3
Sort ID
FNM
FNM
A (Added)
Data Point
Enumeration
D (Deleted)
Mandate Date Effective Date M (Modified)
MISMO Data Point Name
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
111
7/23/2012
7/23/2012
7/23/2012
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7/23/2012
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7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
7/23/2012
2Q-2016
7/23/2012
7/23/2012
7/23/2012
2Q-2016
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
7/23/2012
111
7/23/2012
7/23/2012
IndexSourceTypeOtherDescription
111
111
111
111
111
111
111
111
111
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
M
M
M
M
M
Appendix D - Fannie Mae XML Data Reference
Enumerations-8
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
FNM Supported Enumerations
6MonthTreasuryBillAuctionHighInvestmentRate
11thDistrictDailyGuarRate30DayCom5Yr
5YearFHLBNYAdvanceRateDaily
6MonthTreasuryBillSecondaryMarketWeeklyAverage
2YearTreasuryConstantMaturitiesWeeklyAverage
CumulativeAverageforthePrevious4WeeksWeeklyAverage6MonthAuctionHighInvestmentRate
CumulativeAverageforthePrevious26WeeksWeeklyAverage
CumulativeAverageforthePrevious4WeeksWeeklyAverage6MonthAuctionHighDiscRate
1MonthWallStreetJournalLIBORRateMonthly
FHFB11thDistrictCOFCumulativeAverageForThePrevious12Months
WallStreetJournalPrimeRate
1YearTreasuryBill364DayDiscountRateWeeklyAuctionAverage
7YearTreasuryConstantMaturitiesWeeklyAverage
1YearFHLBBostonAdvanceRateDaily
FederalReserve6MonthCDRateDaily
SemiAnnualCOFforCaliforniaSemiannualAverage
6MonthCDsSecondaryMarketWeeklyAverage
CumulativeAverageForThePrevious12MonthOfThe6MonthTBillMonthlyAverage
Blend50PercentFRM50PercentWeekly1YearTreasurySecurityWeeklyAverage
Blend75PercentFRM25PercentWeekly1YearTreasurySecurityWeeklyAverage
6MonthCDsSecondaryMarketMonthlyAverage
CumulativeAverageForThePrevious12Months1YearTreasurySecurityMonthlyAverage
6MonthWallStreetJournalLIBORRateMonthlyAverage
SemiAnnualCOFforthe11thDistrictSemiannualAverage
NationalAverageCOFRatioforSAIFInsuredInstitutionsQuarterlyAverageOfTheFederalCOFI
MonthlyAverageOfTheWeeklyAverage1YearTreasurySecurityMonthlyAverage
NationalAverageEffectiveRateoOfAllMortgageloansMonthlyAverage
WallStreetJournal6MonthLIBOR
FreddieMac30Year60DayRequiredNetYieldsDaily
6MonthWallStreetJournalLIBORRateDaily
1MonthWallStreetJournalLIBORRateDaily
3MonthWallStreetJournalLIBORRateMonthly
1MonthCDRateSecondaryMarketWeeklyAverage
6MonthBritishBankersAssociationLIBORRateMonthly
6MonthTBillAuctionHighDiscountRate
3MonthBritishBankersAssociationLIBORRateMonthly
1YearTreasuryBill364DayDiscountRateMonthly
1MonthBritishBankersAssociationLIBORRateMonthly
1YearTreasuryConstantMaturitiesMonthlyAverageCumulativeAveragefortheprevious12MonthsMonthly
Average
30year60DayConventionalFixedRateDaily
1YearWallStreetJournalLIBORRateDaily
FreddieMacCostofFunds
12MonthRollingAverageOfThe3MonthCD
6MonthTreasuryConstantMaturitiesWeeklyAverage
30DayFRMConvPostedYieldAA
30DayFRMConvPostedYieldSA
60DayFRMConvPostedYieldAA
60DayFRMConvPostedYieldSA
Page 73 of 114
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198
198
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198
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FNM
FNM
A (Added)
Data Point
Enumeration
D (Deleted)
Mandate Date Effective Date M (Modified)
7/23/2012
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7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
Appendix D - Fannie Mae XML Data Reference
Enumerations-8
MISMO Data Point Name
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
IndexSourceTypeOtherDescription
InterestRateRoundingType
InterestRateRoundingType
InterestRateRoundingType
InterestRateRoundingType
AdjustmentRuleType
AdjustmentRuleType
AdjustmentRuleType
LoanAmortizationPeriodType
LoanAmortizationType
LoanAmortizationType
LoanAmortizationType
LoanAmortizationType
LoanAmortizationType
LoanAmortizationType
BuydownContributorType
BuydownContributorType
BuydownContributorType
BuydownContributorTypeOtherDescription
ConstructionLoanType
ConstructionLoanType
ConstructionToPermanentClosingFeatureType
ConstructionToPermanentClosingFeatureType
ConstructionToPermanentClosingFeatureType
ConstructionToPermanentClosingType
ConstructionToPermanentClosingType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
FNM Supported Enumerations
6MonthTreasuryConstantMaturitySecDaily
3MonthWallStreetJournalLIBORrateDaily
WellsFargoPrimeRateOnBloomberg
1MonthBritishBankersAssociationLIBOROnBloomberg
3MonthBritishBankersAssociationLIBOROnBloomberg
1YearWallStreetJournalLIBORRateMonthly
10YearTreasuryConstantMaturityMonthly
1YearCMTMonthlyLast4WeeksofWeekly
5YearCMTMonthlyLast4WeeksofWeekly
1MonthTreasuryConstantMaturityWeekly
6MonthBritishBankersLIBORDaily
WellsFargoCostofSavingsMonthly
Down
Nearest
NoRounding
Up
First
Subsequent
Subsequent
Month
AdjustableRate
Fixed
GraduatedPaymentARM
GraduatedPaymentMortgage
GrowingEquityMortgage
Step
Borrower
Lender
Other
InterestedThirdParty
ConstructionOnly
ConstructionToPermanent
AutomaticConversion
ModificationAgreement
NewNote
OneClosing
TwoClosing
184
201S
201SD
201U
201UD
203B
203B2
203B241
203B251
203H
203I
203K
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209
209
210
210
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211
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214
214
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FNM
A (Added)
Data Point
Enumeration
D (Deleted)
Mandate Date Effective Date M (Modified)
7/23/2012
7/23/2012
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7/23/2012
7/23/2012
7/23/2012
2Q-2016
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
D
Appendix D - Fannie Mae XML Data Reference
Enumerations-8
MISMO Data Point Name
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
SectionOfActType
InterestAccrualType
InterestAccrualType
InterestCalculationBasisDaysInYearCountType
InterestCalculationBasisDaysInYearCountType
InterestCalculationBasisDaysInYearCountType
InterestCalculationBasisType
InterestCalculationBasisType
InterestCalculationBasisType
InterestCalculationPeriodType
InterestCalculationPeriodType
InterestCalculationPeriodType
InterestCalculationType
InterestCalculationType
RelatedLoanInvestorType
LoanStateType
LoanStateType
LoanMaturityPeriodType
PaymentFrequencyType
RefinanceCashOutDeterminationType
RefinanceCashOutDeterminationType
RefinanceCashOutDeterminationType
FNM Supported Enumerations
203K241
203K251
213
220
221
221D2
221D2251
222
223E
233
234C
234C251
235
237
240
245
247
248
251
255
256
257
3703
3703D
3703D2
3710
3711
502
AverageDailyInterestAccrual
DailyInterestAccrual
360
365
366
AverageBalance
DailyLoanBalance
EndOfPeriod
Biweekly
Day
Month
Compound
Simple
FNM
AtClosing
AtModification
Month
Monthly
CashOut
LimitedCashOut
NoCashOut
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325
325
325
325
325
325
326
326
327
332
332.1
332.1
333
333
333
333
333
333
335
335
339
342
345
345
347
347
347
347
352
376
376
376
FNM
FNM
A (Added)
Data Point
Enumeration
D (Deleted)
Mandate Date Effective Date M (Modified)
7/23/2012
7/23/2012
7/23/2012
7/23/2012
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7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
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7/23/2012
A
A
D
Appendix D - Fannie Mae XML Data Reference
Enumerations-8
MISMO Data Point Name
LienPriorityType
LienPriorityType
LoanPurposeType
LoanPurposeType
MortgageType
MortgageType
MortgageType
MortgageType
AutomatedUnderwritingRecommendationDescription
AutomatedUnderwritingRecommendationDescription
AutomatedUnderwritingRecommendationDescription
AutomatedUnderwritingRecommendationDescription
AutomatedUnderwritingRecommendationDescription
AutomatedUnderwritingRecommendationDescription
AutomatedUnderwritingRecommendationDescription
AutomatedUnderwritingRecommendationDescription
AutomatedUnderwritingRecommendationDescription
AutomatedUnderwritingRecommendationDescription
AutomatedUnderwritingRecommendationDescription
AutomatedUnderwritingRecommendationDescription
AutomatedUnderwritingRecommendationDescription
AutomatedUnderwritingRecommendationDescription
AutomatedUnderwritingRecommendationDescription
AutomatedUnderwritingSystemType
AutomatedUnderwritingSystemType
AutomatedUnderwritingSystemTypeOtherDescription
LoanRoleType
AdjustmentRuleType
AdjustmentRuleType
LoanAmortizationType
LoanAmortizationType
LoanAmortizationType
LoanAmortizationType
LoanAmortizationType
LoanAmortizationType
InterestCalculationType
InterestCalculationType
LoanStateType
PaymentFrequencyType
LienPriorityType
LienPriorityType
MortgageType
MortgageType
MortgageType
MortgageType
LoanRoleType
InvestorCollateralProgramIdentifier
InvestorCollateralProgramIdentifier
InvestorCollateralProgramIdentifier
FNM Supported Enumerations
FirstLien
SecondLien
Purchase
Refinance
Conventional
FHA
USDARuralHousing
VA
ApproveEligible
ApproveIneligible
EAIEligible
EAIIneligible
EAIIEligible
EAIIIneligible
EAIIIEligible
EAIIIIneligible
Error
OutofScope
ReferEligible
ReferIneligible
ReferWithCaution
ReferWithCautionIV
Unknown
DesktopUnderwriter
Other
GuaranteedUnderwritingSystem
SubjectLoan
First
Subsequent
AdjustableRate
Fixed
GraduatedPaymentARM
GraduatedPaymentMortgage
GrowingEquityMortgage
Step
Compound
Simple
AtClosing
Monthly
FirstLien
SecondLien
Conventional
FHA
USDARuralHousing
VA
SubjectLoan
DURefiPlusPropertyFieldworkWaiver
DUPropertyInspectionReportForm2075
Level1PropertyInspectionWaiver
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414
414
414
414
414
426
426
429
429
429
450
450
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450
450
451
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451
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497
497
497
497
497
497
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FNM
A (Added)
Data Point
Enumeration
D (Deleted)
Mandate Date Effective Date M (Modified)
7/23/2012
7/23/2012
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7/23/2012
7/23/2012
7/23/2012
2Q-2016
7/23/2012
7/23/2012
7/23/2012
7/23/2012
6/1/2013
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
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7/23/2012
A
A
Appendix D - Fannie Mae XML Data Reference
Enumerations-8
MISMO Data Point Name
InvestorRemittanceType
InvestorRemittanceType
InvestorRemittanceType
LoanDefaultLossPartyType
LoanDefaultLossPartyType
LoanDefaultLossPartyType
REOMarketingPartyType
REOMarketingPartyType
LoanProgramIdentifier
LoanStateType
MICompanyNameType
MICompanyNameType
MICompanyNameType
MICompanyNameType
MICompanyNameType
MICompanyNameType
MICompanyNameType
MICompanyNameType
MICompanyNameType
MICompanyNameType
MICompanyNameTypeOtherDescription
MICompanyNameTypeOtherDescription
MICompanyNameTypeOtherDescription
MICompanyNameTypeOtherDescription
MICompanyNameTypeOtherDescription
MICompanyNameTypeOtherDescription
MIPremiumSourceType
MIPremiumSourceType
PrimaryMIAbsenceReasonType
PrimaryMIAbsenceReasonType
PrimaryMIAbsenceReasonType
FNMHomeImprovementProductType
FNMHomeImprovementProductType
FNMHomeImprovementProductType
FNMHomeImprovementProductType
FNMHomeImprovementProductType
RefinanceProgramIdentifier
RefinanceProgramIdentifier
RefinanceProgramIdentifier
LoanRoleType
LoanAmortizationType
LoanAmortizationType
LoanAmortizationType
LoanAmortizationType
LoanAmortizationType
LoanAmortizationType
LoanStateType
LoanMaturityPeriodType
LienPriorityType
FNM Supported Enumerations
ActualInterestActualPrincipal
ScheduledInterestActualPrincipal
ScheduledInterestScheduledPrincipal
Investor
Lender
Shared
Investor
Lender
LoanFirstTimeHomebuyer
Current
CMG
Essent
Genworth
MGIC
Other
PMI
Radian
RMIC
Triad
UGI
ArchMI
CAHLIF
MDHousing
MIF
SONYMA
NMI
Borrower
Lender
MICanceledBasedOnCurrentLTV
NoMIBasedOnOriginalLTV
Other
ActualActualBiweekly
ConstructionToPermanent
DailySimpleInterestCashConventional
DailySimpleInterestMBS
GovernmentTitleI
DisasterResponse
DURefiPlus
RefiPlus
RelatedLoan
AdjustableRate
Fixed
GraduatedPaymentARM
GraduatedPaymentMortgage
GrowingEquityMortgage
Step
AtClosing
Month
FirstLien
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598
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FNM
A (Added)
Data Point
Enumeration
D (Deleted)
Mandate Date Effective Date M (Modified)
7/23/2012
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7/23/2012
7/23/2012
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2Q-2016
2Q-2016
2Q-2016
7/23/2012
7/23/2012
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7/23/2012
A
A
A
Appendix D - Fannie Mae XML Data Reference
Enumerations-8
MISMO Data Point Name
LoanRoleType
LoanStateType
LienPriorityType
LienPriorityType
LienPriorityType
MortgageType
MortgageType
MortgageType
MortgageType
PartyRoleType
PartyRoleType
LegalEntityType
LegalEntityType
LegalEntityType
LegalEntityType
LegalEntityType
LegalEntityType
LegalEntityType
LegalEntityType
LegalEntityTypeOtherDescription
LegalEntityTypeOtherDescription
AddressType
BorrowerClassificationType
BorrowerClassificationType
CounselingConfirmationType
CounselingConfirmationType
CounselingConfirmationType
CounselingConfirmationType
CounselingConfirmationType
CounselingConfirmationTypeOtherDescription
CounselingConfirmationTypeOtherDescription
CounselingConfirmationTypeOtherDescription
CounselingFormatType
CounselingFormatType
CounselingFormatType
CounselingFormatType
CounselingFormatType
CounselingFormatTypeOtherDescription
CreditRepositorySourceType
CreditRepositorySourceType
CreditRepositorySourceType
CitizenshipResidencyType
CitizenshipResidencyType
CitizenshipResidencyType
GenderType
GenderType
GenderType
GenderType
HMDAEthnicityType
FNM Supported Enumerations
RelatedLoan
Current
SecondLien
ThirdLien
FourthLien
Conventional
FHA
USDARuralHousing
VA
Appraiser
AppraiserSupervisor
Corporation
GovernmentEntity
JointVenture
LimitedLiabilityCompany
LimitedPartnership
NonProfitCorporation
Other
Partnership
LandTrustAndBeneficiaryIsIndividual
LivingTrust
Mailing
Primary
Secondary
GovernmentAgency
HUDApprovedCounselingAgency
LenderTrainedCounseling
NoBorrowerCounseling
Other
BorrowerDidNotParticipate
MortgageInsuranceCompany
NonProfitOrganization
BorrowerEducationNotRequired
Classroom
HomeStudy
Individual
Other
BorrowerDidNotParticipate
Equifax
Experian
TransUnion
NonPermanentResidentAlien
PermanentResidentAlien
USCitizen
Female
InformationNotProvidedUnknown
Male
NotApplicable
HispanicOrLatino
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641.2
643
646
653
656
659
661
661
662
662
662
662
662
662
672
672
672
672
678
678
678
678
683
683
683
688
FNM
FNM
A (Added)
Data Point
Enumeration
D (Deleted)
Mandate Date Effective Date M (Modified)
7/23/2012
7/23/2012
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7/23/2012
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7/23/2012
7/23/2012
7/23/2012
7/23/2012
11/26/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
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7/23/2012
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7/23/2012
7/23/2012
Appendix D - Fannie Mae XML Data Reference
Enumerations-8
MISMO Data Point Name
HMDAEthnicityType
HMDAEthnicityType
HMDAEthnicityType
HMDARaceType
HMDARaceType
HMDARaceType
HMDARaceType
HMDARaceType
HMDARaceType
HMDARaceType
PartyRoleType
TaxpayerIdentifierType
TaxpayerIdentifierType
TaxpayerIdentifierType
PartyRoleType
PartyRoleType
LoanOriginatorType
LoanOriginatorType
LoanOriginatorType
PartyRoleType
PartyRoleType
PartyRoleType
PartyRoleType
PartyRoleType
PartyRoleType
PartyRoleType
PartyRoleType
PoolAccrualRateStructureType
PoolAccrualRateStructureType
PoolAmortizationType
PoolAmortizationType
PoolAmortizationType
PoolAmortizationType
PoolAmortizationType
PoolAmortizationType
PoolInterestRateRoundingType
PoolInterestRateRoundingType
PoolInterestRateRoundingType
PoolInterestRateRoundingType
PoolMortgageType
PoolMortgageType
PoolMortgageType
PoolMortgageType
PoolStructureType
PoolStructureType
PoolStructureType
PartyRoleType
FNM Supported Enumerations
InformationNotProvidedByApplicantInMailInternetOrTelephoneApplication
NotApplicable
NotHispanicOrLatino
AmericanIndianOrAlaskaNative
Asian
BlackOrAfricanAmerican
InformationNotProvidedByApplicantInMailInternetOrTelephoneApplication
NativeHawaiianOrOtherPacificIslander
NotApplicable
White
Borrower
EmployerIdentificationNumber
IndividualTaxpayerIdentificationNumber
SocialSecurityNumber
DocumentCustodian
LoanOriginationCompany
Broker
Correspondent
Lender
LoanOriginator
LoanSeller
NotePayTo
Payee
Servicer
DocumentCustodian
LoanSeller
Servicer
StatedStructure
WeightedAverageStructure
AdjustableRate
Fixed
GraduatedPaymentARM
GraduatedPaymentMortgage
GrowingEquityMortgage
Step
Down
Nearest
NoRounding
Up
Conventional
FHA
USDARuralHousing
VA
InvestorDefinedMultipleLender
LenderInitiatedMultipleLender
SingleLender
LoanDeliveryFilePreparer
Page 79 of 114
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Sort ID
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1
7/23/2012
Container
Mandate
Date
(R or CR)
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
7/23/2012
MESSAGE
MISMOReferenceModelIdentifier
.ABOUT_VERSIONS
..ABOUT_VERSION
MESSAGE/ABOUT_VERSIONS/ABOUT_VERSION
AboutVersionIdentifier
CreatedDatetime
.DEAL_SETS
..DEAL_SET
…DEALS
….DEAL
….:COLLATERALS
….:.COLLATERAL
….:..PROPERTIES
….:...PROPERTY
….:….ADDRESS
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COL
LATERALS/COLLATERAL/PROPERTIES/PROPERTY/A
DDRESS
AddressLineText
CityName
PostalCode
StateCode
….:….FLOOD_DETERMINATION
….:….:FLOOD_DETERMINATION_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COL
LATERALS/COLLATERAL/PROPERTIES/PROPERTY/F
LOOD_DETERMINATION/FLOOD_DETERMINATION_
DETAIL
SpecialFloodHazardAreaIndicator
7/23/2012
7/23/2012
XPath
2
3
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
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7/23/2012
Repeat
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XPath
10
14
16
18
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XPath
24
7/23/2012
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Phase 1B
11/26/2012
Cardinality
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
∞
1
∞
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
∞
1
∞
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
∞
1
10,000
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Page 80 of 114
GSE Cardinality
Differences
(as of 9/16/2014
update)
X
X
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Document Version 2.0.3
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Cardinality
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ULDDS
Sort ID
FNM
Data Point
Mandate
Date
Container
Mandate
Date
(R or CR)
2Q-2016
2Q-2016
XPath
33
2Q-2016
7/23/2012
7/23/2012
XPath
38
39
41
42
43
44
45
46
47
48
49
7/23/2012
7/23/2012
7/23/2012
7/23/2012
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7/23/2012
7/23/2012
7/23/2012
XPath
50
51
57
63
7/23/2012
7/23/2012
7/23/2012
7/23/2012
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
….:….MANUFACTURED_HOME
….:….:MANUFACTURED_HOME_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COL
LATERALS/COLLATERAL/PROPERTIES/PROPERTY/
MANUFACTURED_HOME/MANUFACTURED_HOME_
DETAIL
ManufacturedHomeWidthType
….:….PROJECT
….:….:PROJECT_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COL
LATERALS/COLLATERAL/PROPERTIES/PROPERTY/P
ROJECT/PROJECT_DETAIL
CondominiumProjectStatusType
FNMCondominiumProjectManagerProjectIdentifier
ProjectAttachmentType
ProjectClassificationIdentifier
ProjectDesignType
ProjectDesignTypeOtherDescription
ProjectDwellingUnitCount
ProjectDwellingUnitsSoldCount
ProjectLegalStructureType
ProjectName
PUDIndicator
….:….PROPERTY_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COL
LATERALS/COLLATERAL/PROPERTIES/PROPERTY/P
ROPERTY_DETAIL
AttachmentType
ConstructionMethodType
FinancedUnitCount
PropertyEstateType
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Phase 1B
11/26/2012
Cardinality
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
0
0
1
1
0
0
1
1
0
0
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Page 81 of 114
GSE Cardinality
Differences
(as of 9/16/2014
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ULDD Phase 2
Document Version 2.0.3
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7/23/2012
Cardinality
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ULDDS
Sort ID
FNM
Data Point
Mandate
Date
64
65
67
69
7/23/2012
7/23/2012
7/23/2012
7/23/2012
Container
Mandate
Date
(R or CR)
7/23/2012
7/23/2012
7/23/2012
Repeat
XPath
77
78
7/23/2012
7/23/2012
7/23/2012
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XPath
80
81
7/23/2012
7/23/2012
7/23/2012
XPath
82
83
84
7/23/2012
7/23/2012
7/23/2012
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
PropertyEstateTypeOtherDescription
PropertyFloodInsuranceIndicator
PropertyStructureBuiltYear
PropertyUsageType
….:….PROPERTY_UNITS
….:….:PROPERTY_UNIT
….:….:.PROPERTY_UNIT_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COL
LATERALS/COLLATERAL/PROPERTIES/PROPERTY/P
ROPERTY_UNITS/PROPERTY_UNIT/PROPERTY_UNI
T_DETAIL
BedroomCount
PropertyDwellingUnitEligibleRentAmount
….:….PROPERTY_VALUATIONS
….:….:PROPERTY_VALUATION
….:….:.AVMS
….:….:..AVM
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COL
LATERALS/COLLATERAL/PROPERTIES/PROPERTY/P
ROPERTY_VALUATIONS/PROPERTY_VALUATION/A
VMS/AVM
AVMModelNameType
AVMModelNameTypeOtherDescription
….:….:.PROPERTY_VALUATION_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COL
LATERALS/COLLATERAL/PROPERTIES/PROPERTY/P
ROPERTY_VALUATIONS/PROPERTY_VALUATION/P
ROPERTY_VALUATION_DETAIL
AppraisalIdentifier
PropertyValuationAmount
PropertyValuationEffectiveDate
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Phase 1B
11/26/2012
Cardinality
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
0
0
0
1
4
1
0
0
0
1
4
1
0
0
0
1
4
1
1
1
0
0
1
1
1
1
1
1
0
0
1
1
1
1
1
1
0
0
1
1
1
1
1
1
1
1
1
1
Page 82 of 114
GSE Cardinality
Differences
(as of 9/16/2014
update)
ULDD Phase 2
Document Version 2.0.3
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Phase 1
7/23/2012
Cardinality
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ULDDS
Sort ID
FNM
Data Point
Mandate
Date
85
89
90
2Q-2016
7/23/2012
7/23/2012
Container
Mandate
Date
(R or CR)
7/23/2012
7/23/2012
7/23/2012
XPath
91
92
7/23/2012
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XPath
93
7/23/2012
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XPath
102
N/A
7/23/2012
7/23/2012
7/23/2012
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
PropertyValuationFormType
PropertyValuationMethodType
PropertyValuationMethodTypeOtherDescription
….:LOANS
….:.COMBINED_LTVS
….:..COMBINED_LTV
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/COMBINED_LTVS/COMBINED_LTV
CombinedLTVRatioPercent
HomeEquityCombinedLTVRatioPercent
....:.LOAN
LoanRoleType = “SubjectLoan” and LoanStateType =
“AtClosing” (Non-Modifications)
OR LoanRoleType =
“SubjectLoan” and LoanStateType =
"AtModification"
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN
LoanRoleType
....:..ADJUSTMENT
....:…CONVERSION_ADJUSTMENT
….:….CONVERSION_ADJUSTMENT_LIFETIME_A
DJUSTMENT_RULE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/ADJUSTMENT/CONVERSION_ADJUSTMEN
T/CONVERSION_ADJUSTMENT_LIFETIME_ADJUSTM
ENT_RULE
ConversionType
….:...INTEREST_RATE_ADJUSTMENT
….:....INDEX_RULES
….:....:INDEX_RULE
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Phase 1B
11/26/2012
Cardinality
Phase 2
Q2 2016
Cardinality
GSE Cardinality
Differences
(as of 9/16/2014
update)
MIN
MAX
MIN
MAX
MIN
MAX
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
0
0
1
1
0
0
1
1
0
0
0
0
X
X
0
1
0
1
0
0
X
0
0
0
1
1
1
0
0
0
1
1
1
0
0
0
1
1
1
Page 83 of 114
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Document Version 2.0.3
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ULDDS
Sort ID
FNM
Data Point
Mandate
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Container
Mandate
Date
(R or CR)
XPath
110
111
113
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
114
115
116
117
118
119
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
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7/23/2012
Repeat
7/23/2012
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTM
ENT/INDEX_RULES/INDEX_RULE
IndexSourceType
IndexSourceTypeOtherDescription
InterestAndPaymentAdjustmentIndexLeadDaysCount
….:….INTEREST_RATE_LIFETIME_ADJUSTMENT
_RULE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTM
ENT/INTEREST_RATE_LIFETIME_ADJUSTMENT_RU
LE
CeilingRatePercent
FirstRateChangePaymentEffectiveDate
FloorRatePercent
InterestRateRoundingPercent
InterestRateRoundingType
MarginRatePercent
….:….INTEREST_RATE_PER_CHANGE_ADJUSTM
ENT_RULES
….:….:INTEREST_RATE_PER_CHANGE_ADJUSTM
ENT_RULE If required, two instances of this container
must be delivered: One with AdjustmentRuleType = "First"
to describe the initial adjustment structure and caps and one
with AdjustmentRuleType = "Subsequent" to identify the
periodic adjustment structure and caps.
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Phase 1B
11/26/2012
Cardinality
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
0
1
0
1
0
1
0
1
0
1
0
1
0
2
0
2
0
2
Page 84 of 114
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Differences
(as of 9/16/2014
update)
ULDD Phase 2
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7/23/2012
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Date
(R or CR)
XPath
120
121
122
123
124
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTM
ENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT
_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTME
NT_RULE
AdjustmentRuleType = "First" or "Subsequent"
PerChangeMaximumDecreaseRatePercent
PerChangeMaximumIncreaseRatePercent
PerChangeRateAdjustmentEffectiveDate
PerChangeRateAdjustmentFrequencyMonthsCount
….:….PRINCIPAL_AND_INTEREST_PAYMENT_PE
R_CHANGE_ADJUSTMENT_RULES
….:....:PRINCIPAL_AND_INTEREST_PAYMENT_PE
R_CHANGE_ADJUSTMENT_RULE
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
GSE Cardinality
Differences
(as of 9/16/2014
update)
0
1
0
1
0
1
X
0
1
0
1
0
1
X
1
1
1
1
1
1
1
1
1
1
1
1
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/ADJUSTMENT/PRINCIPAL_AND_INTEREST
_PAYMENT_ADJUSTMENT/PRINCIPAL_AND_INTER
EST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULE
S/PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHA
NGE_ADJUSTMENT_RULE
XPath
126
7/23/2012
AdjustmentRuleType
131
7/23/2012
PerChangePrincipalAndInterestPaymentAdjustmentPercent
7/23/2012
7/23/2012
….:.. AMORTIZATION
….:…AMORTIZATION_RULE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/AMORTIZATION/AMORTIZATION_RULE
XPath
135
136
Phase 1B
11/26/2012
Cardinality
7/23/2012
7/23/2012
LoanAmortizationMaximumTermMonthsCount
LoanAmortizationPeriodCount
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Page 85 of 114
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Data Point
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Date
137
138
7/23/2012
7/23/2012
Container
Mandate
Date
(R or CR)
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
145
146
7/23/2012
7/23/2012
2Q-2016
XPath
147
148
149
150
2Q-2016
2Q-2016
2Q-2016
2Q-2016
Repeat
XPath
151
152
153
154
155
N/A
N/A
N/A
N/A
N/A
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
LoanAmortizationPeriodType
LoanAmortizationType
….:..BUYDOWN
….:…BUYDOWN_CONTRIBUTORS
….:….BUYDOWN_CONTRIBUTOR
….:….:BUYDOWN_CONTRIBUTOR_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/BUYDOWN/BUYDOWN_CONTRIBUTORS/B
UYDOWN_CONTRIBUTOR/BUYDOWN_CONTRIBUT
OR_DETAIL
BuydownContributorType
BuydownContributorTypeOtherDescription
….:…BUYDOWN_RULE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/BUYDOWN/BUYDOWN_RULE
BuydownChangeFrequencyMonthsCount
BuydownDurationMonthsCount
BuydownIncreaseRatePercent
BuydownInitialDiscountPercent
Phase 1B
11/26/2012
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
0
0
0
0
1
1
1
1
0
0
0
0
1
1
1
1
0
0
0
0
1
1
1
1
0
1
0
1
0
1
0
1
0
0
0
1
0
0
7/23/2012
….:..CLOSING_INFORMATION
0
1
0
1
7/23/2012
7/23/2012
….:…CLOSING_COST_FUNDS
….:….CLOSING_COST_FUND
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/CLOSING_INFORMATION/CLOSING_COST_
FUNDS/CLOSING_COST_FUND
ClosingCostContributionAmount
ClosingCostFundsType
ClosingCostFundsTypeOtherDescription
ClosingCostSourceType
ClosingCostSourceTypeOtherDescription
0
0
1
∞
0
0
1
∞
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Phase 2
Q2 2016
Cardinality
Page 86 of 114
GSE Cardinality
Differences
(as of 9/16/2014
update)
X
X
X
ULDD Phase 2
Document Version 2.0.3
Legend
XPath
Parent Container
Repeatable Container
New Data Point
Phase 1
7/23/2012
Cardinality
Cardinality
ULDDS
Sort ID
FNM
Data Point
Mandate
Date
Repeat
Container
Mandate
Date
(R or CR)
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
7/23/2012
7/23/2012
….:…COLLECTED_OTHER_FUNDS
….:….COLLECTED_OTHER_FUND
N/A
N/A
N/A
7/23/2012
XPath
162
163
165
167
7/23/2012
7/23/2012
7/23/2012
7/23/2012
MIN
MAX
MIN
MAX
MIN
MAX
GSE Cardinality
Differences
(as of 9/16/2014
update)
0
0
1
∞
0
0
1
∞
0
0
0
0
X
X
OtherFundsCollectedAtClosingAmount
OtherFundsCollectedAtClosingType
OtherFundsCollectedAtClosingTypeOtherDescription
….:..CONSTRUCTION
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/CONSTRUCTION
ConstructionLoanType
ConstructionToPermanentClosingFeatureType
ConstructionToPermanentClosingType
ConstructionToPermanentFirstPaymentDueDate
0
1
0
1
0
1
7/23/2012
….:..DOWN_PAYMENTS
0
1
0
1
0
7/23/2012
….:…DOWN_PAYMENT
0
∞
0
∞
0
0
0
0
1
2
1
0
0
0
1
2
1
0
0
0
0
1
0
2
X
X
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/DOWN_PAYMENTS/DOWN_PAYMENT
XPath
172
173
174
175
176
Phase 2
Q2 2016
Cardinality
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/CLOSING_INFORMATION/COLLECTED_OT
HER_FUNDS/COLLECTED_OTHER_FUND
XPath
157
158
159
Phase 1B
11/26/2012
Cardinality
N/A
N/A
N/A
N/A
N/A
7/23/2012
7/23/2012
7/23/2012
DownPaymentAmount
DownPaymentSourceType
DownPaymentSourceTypeOtherDescription
DownPaymentType
DownPaymentTypeOtherDescription
….:..FORM_SPECIFIC_CONTENTS
….:…FORM_SPECIFIC_CONTENT
….:….URLA
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Page 87 of 114
1
1
1
ULDD Phase 2
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Repeatable Container
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Phase 1
7/23/2012
Cardinality
Cardinality
ULDDS
Sort ID
FNM
Data Point
Mandate
Date
Container
Mandate
Date
(R or CR)
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
7/23/2012
….:….:URLA_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/FORM_SPECIFIC_CONTENTS/FORM_SPECI
FIC_CONTENT/URLA/URLA_DETAIL
BorrowerPaidDiscountPointsTotalAmount
PurchasePriceAmount
….:..GOVERNMENT_LOAN
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/GOVERNMENT_LOAN
SectionOfActType
….:..HMDA_LOAN
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/HMDA_LOAN
HMDA_HOEPALoanStatusIndicator
HMDARateSpreadPercent
….:..INTEREST_CALCULATION
….:…INTEREST_CALCULATION_RULES
….:….INTEREST_CALCULATION_RULE
XPath
194
195
2Q-2016
7/23/2012
7/23/2012
XPath
198
7/23/2012
7/23/2012
XPath
207
208
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
0
1
0
1
1
1
0
1
0
1
0
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
0
1
0
1
0
1
GSE Cardinality
Differences
(as of 9/16/2014
update)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/INTEREST_CALCULATION/INTEREST_CAL
CULATION_RULES/INTEREST_CALCULATION_RULE
XPath
209
210
211
213
214
215
217
Phase 1B
11/26/2012
Cardinality
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
InterestAccrualType
InterestCalculationBasisDaysInYearCountType
InterestCalculationBasisType
InterestCalculationEffectiveMonthsCount
InterestCalculationPeriodType
InterestCalculationType
LoanInterestAccrualStartDate
….:..INTEREST_ONLY
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
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Container
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Date
(R or CR)
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
7/23/2012
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/INTEREST_ONLY
InterestOnlyEndDate
….:..INVESTOR_LOAN_INFORMATION
XPath
218
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
224
225
226
227
228
229
231
232
234
236
237
238
240
241
243
244
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
0
1
0
1
0
1
1
1
1
1
1
1
0
0
1
1
0
0
1
1
0
1
1
1
GSE Cardinality
Differences
(as of 9/16/2014
update)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/INVESTOR_LOAN_INFORMATION
XPath
221
222
Phase 1B
11/26/2012
Cardinality
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
2Q-2016
7/23/2012
7/23/2012
RelatedInvestorLoanIdentifier
RelatedLoanInvestorType
….:..LOAN_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/LOAN_DETAIL
ApplicationReceivedDate
AssumabilityIndicator
BalloonIndicator
BorrowerCount
BuydownTemporarySubsidyIndicator
CapitalizedLoanIndicator
ConstructionLoanIndicator
ConvertibleIndicator
EscrowIndicator
InitialFixedPeriodEffectiveMonthsCount
InterestOnlyIndicator
LoanAffordableIndicator
PrepaymentPenaltyIndicator
RelocationLoanIndicator
SharedEquityIndicator
TotalMortgagedPropertiesCount
….:..LOAN_LEVEL_CREDIT
….:…LOAN_LEVEL_CREDIT_DETAIL
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Page 89 of 114
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ULDDS
Sort ID
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Data Point
Mandate
Date
Container
Mandate
Date
(R or CR)
XPath
247
249
N/A
N/A
250
N/A
251
2Q-2016
7/23/2012
XPath
252
7/23/2012
253
7/23/2012
7/23/2012
XPath
254
255
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
256
257
258
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/LOAN_LEVEL_CREDIT/LOAN_LEVEL_CRE
DIT_DETAIL
CreditScoreImpairmentType
LoanLevelCreditScoreSelectionMethodType
LoanLevelCreditScoreSelectionMethodTypeOtherDescriptio
n
LoanLevelCreditScoreValue
….:..LOAN_STATE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/LOAN_STATE
LoanStateDate
LoanStateType = "AtClosing" (Non-Mods) OR
"AtModification"
….:..LTV
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/LTV
BaseLTVRatioPercent
LTVRatioPercent
….:..MATURITY
….:…MATURITY_RULE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/MATURITY/MATURITY_RULE
LoanMaturityDate
LoanMaturityPeriodCount
LoanMaturityPeriodType
….:..MODIFICATIONS Container required only for
modified loans.
….:...MODIFICATION
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Phase 1B
11/26/2012
Cardinality
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
0
1
0
1
0
1
0
1
0
1
0
1
Page 90 of 114
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(as of 9/16/2014
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ULDD Phase 2
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ULDDS
Sort ID
FNM
Data Point
Mandate
Date
Container
Mandate
Date
(R or CR)
7/23/2012
7/23/2012
7/23/2012
XPath
268
269
270
272
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
287
290
291
292
2Q-2016
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
293
294
2Q-2016
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
311
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
0
1
0
1
0
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
GSE Cardinality
Differences
(as of 9/16/2014
update)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/MODIFICATIONS/MODIFICATION
XPath
259
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
Phase 1B
11/26/2012
Cardinality
7/23/2012
LoanModificationEffectiveDate
….:..PAYMENT
….:…PAYMENT_RULE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/PAYMENT/PAYMENT_RULE
InitialPrincipalAndInterestPaymentAmount
PaymentBillingStatementLeadDaysCount
PaymentFrequencyType
ScheduledFirstPaymentDate
….:..QUALIFICATION
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/QUALIFICATION
BorrowerReservesMonthlyPaymentCount
TotalLiabilitiesMonthlyPaymentAmount
TotalMonthlyIncomeAmount
TotalMonthlyProposedHousingExpenseAmount
….:..REFINANCE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/REFINANCE
RefinanceCashOutAmount
RefinanceCashOutDeterminationType
….:..SELECTED_LOAN_PRODUCT
….:…PRICE_LOCKS
….:….PRICE_LOCK
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/SELECTED_LOAN_PRODUCT/PRICE_LOCK
S/PRICE_LOCK
PriceLockDatetime
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Page 91 of 114
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Container
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(R or CR)
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
7/23/2012
….:..TERMS_OF_MORTGAGE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/TERMS_OF_MORTGAGE
DisclosedIndexRatePercent
LienPriorityType
LoanPurposeType
MortgageType
NoteAmount
NoteDate
NoteRatePercent
….:..UNDERWRITING
….:…AUTOMATED_UNDERWRITINGS
….:….AUTOMATED_UNDERWRITING
XPath
312
313
315
317
319
320
321
2Q-2016
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
MIN
MAX
MIN
MAX
MIN
MAX
1
1
1
1
1
1
1
0
0
1
1
1
1
0
0
1
1
1
1
0
0
1
1
1
1
1
1
1
1
1
0
1
0
1
0
1
GSE Cardinality
Differences
(as of 9/16/2014
update)
AutomatedUnderwritingCaseIdentifier
AutomatedUnderwritingRecommendationDescription
AutomatedUnderwritingSystemType
AutomatedUnderwritingSystemTypeOtherDescription
….:…UNDERWRITING_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/UNDERWRITING/UNDERWRITING_DETAIL
XPath
328
Phase 2
Q2 2016
Cardinality
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/UNDERWRITING/AUTOMATED_UNDERWR
ITINGS/AUTOMATED_UNDERWRITING
XPath
322
325
326
327
Phase 1B
11/26/2012
Cardinality
7/23/2012
7/23/2012
LoanManualUnderwritingIndicator
....:.LOAN
LoanRoleType = “SubjectLoan” and LoanStateType =
“AtClosing”
(Submit for Modified Mortgages only to provide data about
the original loan prior to modification)
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Page 92 of 114
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Data Point
Mandate
Date
Container
Mandate
Date
(R or CR)
XPath
332
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
Repeat
XPath
332.1
332.2
7/23/2012
7/23/2012
7/23/2012
7/23/2012
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN
LoanRoleType
….:..ADJUSTMENT
….:…INTEREST_RATE_ADJUSTMENT
….:….INTEREST_RATE_PER_CHANGE_ADJUSTM
ENT_RULES
….:….:INTEREST_RATE_PER_CHANGE_ADJUSTM
ENT_RULE Enter two instances of this container: One
with AdjustmentRuleType (332.1) = "First" to describe the
initial adjustment structure and caps and one with
AdjustmentRuleType (332.3) = "Subsequent" to identify the
periodic adjustment structure and caps.
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTM
ENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT
_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTME
NT_RULE
AdjustmentRuleType = "First" or "Subsequent"
PerChangeRateAdjustmentFrequencyMonthsCount
….:..AMORTIZATION
….:…AMORTIZATION_RULE
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
0
0
1
1
0
0
1
1
0
0
1
1
0
1
0
1
0
1
0
2
0
2
0
2
0
0
1
1
0
0
1
1
0
0
1
1
0
0
0
1
1
1
0
0
0
1
1
1
0
0
0
1
1
1
GSE Cardinality
Differences
(as of 9/16/2014
update)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/AMORTIZATION/AMORTIZATION_RULE
XPath
333
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
Phase 1B
11/26/2012
Cardinality
7/23/2012
7/23/2012
7/23/2012
7/23/2012
LoanAmortizationType
….:..INTEREST_CALCULATION
….:…INTEREST_CALCULATION_RULES
….:….INTEREST_CALCULATION_RULE
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Page 93 of 114
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Container
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Date
(R or CR)
7/23/2012
7/23/2012
XPath
337
337.1
337.2
7/23/2012
7/23/2012
7/23/2012
7/23/2012
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338
7/23/2012
339
7/23/2012
7/23/2012
7/23/2012
XPath
340
7/23/2012
7/23/2012
7/23/2012
XPath
342
344
7/23/2012
7/23/2012
7/23/2012
XPath
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
0
1
0
1
0
1
0
1
0
1
0
1
0
0
1
1
0
0
1
1
0
0
1
1
0
0
1
1
0
0
1
1
0
0
1
1
0
1
0
1
0
1
GSE Cardinality
Differences
(as of 9/16/2014
update)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/INTEREST_CALCULATION/INTEREST_CAL
CULATION_RULES/INTEREST_CALCULATION_RULE
XPath
335
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
Phase 1B
11/26/2012
Cardinality
InterestCalculationType
….:..LOAN_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/LOAN_DETAIL
BalloonIndicator
InitialFixedPeriodEffectiveMonthsCount
InterestOnlyIndicator
….:..LOAN_STATE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/LOAN_STATE
LoanStateDate
LoanStateType = "AtClosing" (Original loan data for
delivered modified mortgages)
….:..MATURITY
….:…MATURITY_RULE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/MATURITY/MATURITY_RULE
LoanMaturityDate
….:..PAYMENT
….:…PAYMENT_RULE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/PAYMENT/PAYMENT_RULE
PaymentFrequencyType
ScheduledFirstPaymentDate
….:..TERMS_OF_MORTGAGE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/TERMS_OF_MORTGAGE
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Page 94 of 114
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Cardinality
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ULDDS
Sort ID
FNM
Data Point
Mandate
Date
345
347
349
350
351
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
Container
Mandate
Date
(R or CR)
7/23/2012
XPath
352
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
354
355
N/A
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
364
365
N/A
N/A
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
LienPriorityType
MortgageType
NoteAmount
NoteDate
NoteRatePercent
....:.LOAN LoanRoleType = “SubjectLoan” and LoanStateType =
“Current”
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN
LoanRoleType
....:..ADJUSTMENT
….:…RATE_OR_PAYMENT_CHANGE_OCCURREN
CES
….:….RATE_OR_PAYMENT_CHANGE_OCCURRE
NCE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/ADJUSTMENT/RATE_OR_PAYMENT_CHA
NGE_OCCURRENCES/RATE_OR_PAYMENT_CHANG
E_OCCURRENCE
ConvertibleStatusType
NextRateAdjustmentEffectiveDate
….:..ESCROW
….:…ESCROW_ITEMS
….:….ESCROW_ITEM
….:….:ESCROW_ITEM_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/ESCROW/ESCROW_ITEMS/ESCROW_ITEM/
ESCROW_ITEM_DETAIL
EscrowItemType
EscrowItemTypeOtherDescription
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Phase 1B
11/26/2012
Cardinality
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
1
1
1
1
1
1
0
1
0
1
0
1
0
1
0
1
0
1
0
1
0
1
0
1
0
0
0
0
1
1
∞
1
0
0
0
0
1
1
∞
1
0
0
0
0
0
0
0
0
Page 95 of 114
GSE Cardinality
Differences
(as of 9/16/2014
update)
X
X
X
X
ULDD Phase 2
Document Version 2.0.3
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XPath
Parent Container
Repeatable Container
New Data Point
Phase 1
7/23/2012
Cardinality
Cardinality
ULDDS
Sort ID
FNM
Data Point
Mandate
Date
366
N/A
Container
Mandate
Date
(R or CR)
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
7/23/2012
MAX
MIN
MAX
MIN
MAX
EscrowMonthlyPaymentAmount
….:..INTEREST_CALCULATION
0
1
0
1
0
1
7/23/2012
….:…INTEREST_CALCULATION_OCCURRENCES
0
1
0
1
0
1
7/23/2012
….:….INTEREST_CALCULATION_OCCURRENCE
0
1
0
1
0
1
7/23/2012
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/INTEREST_CALCULATION/INTEREST_CAL
CULATION_OCCURRENCES/INTEREST_CALCULATI
ON_OCCURRENCE
CurrentAccruedInterestAmount
….:..INVESTOR_FEATURES
0
1
0
1
0
1
7/23/2012
Repeat
7/23/2012
….:…INVESTOR_FEATURE
0
6
0
6
0
10
6
7/23/2012
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/INVESTOR_FEATURES/INVESTOR_FEATU
RE
InvestorFeatureIdentifier
….:..INVESTOR_LOAN_INFORMATION
1
1
1
1
1
1
XPath
368
7/23/2012
GSE Cardinality
Differences
(as of 9/16/2014
update)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/INVESTOR_LOAN_INFORMATION
XPath
369
373
374
375
376
378
379
380
381
Phase 2
Q2 2016
Cardinality
MIN
XPath
367
Phase 1B
11/26/2012
Cardinality
7/23/2012
N/A
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
BaseGuarantyFeePercent
GuaranteeFeeAddOnIndicator
GuarantyFeeAfterAlternatePaymentMethodPercent
GuarantyFeePercent
InvestorCollateralProgramIdentifier
InvestorOwnershipPercent
InvestorProductPlanIdentifier
InvestorRemittanceDay
InvestorRemittanceType
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Page 96 of 114
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Cardinality
Cardinality
ULDDS
Sort ID
FNM
Data Point
Mandate
Date
385
386
387
389
391
7/23/2012
N/A
N/A
7/23/2012
7/23/2012
Container
Mandate
Date
(R or CR)
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
7/23/2012
7/23/2012
LoanAcquisitionScheduledUPBAmount
LoanBuyupBuydownBasisPointNumber
LoanBuyupBuydownType
LoanDefaultLossPartyType
REOMarketingPartyType
….:..LOAN_COMMENTS
….:…LOAN_COMMENT
7/23/2012
7/23/2012
XPath
394
395
397
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
Repeat
MIN
MAX
MIN
MAX
MIN
MAX
GSE Cardinality
Differences
(as of 9/16/2014
update)
0
0
1
1
0
0
1
1
0
0
1
1
X
X
LoanCommentText
….:..LOAN_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/LOAN_DETAIL
BalloonResetIndicator
CurrentInterestRatePercent
MortgageModificationIndicator
….:..LOAN_IDENTIFIERS
….:...LOAN_IDENTIFIER
The schema allows only one data point per
LOAN_IDENTIFIER container. IF more than one data point
is required, the LOAN _IDENTIFIER container must repeat
for each one.
1
1
1
1
1
1
1
1
1
1
1
1
1
5
1
5
1
8
X
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/LOAN_IDENTIFIERS/LOAN_IDENTIFIER
XPath
399
400
401
402
403
Phase 2
Q2 2016
Cardinality
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/LOAN_COMMENTS/LOAN_COMMENT
XPath
393
Phase 1B
11/26/2012
Cardinality
7/23/2012
7/23/2012
7/23/2012
7/23/2012
N/A
InvestorCommitmentIdentifier
InvestorContractIdentifier
MERS_MINIdentifier
SellerLoanIdentifier
ServicerLoanIdentifier
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Page 97 of 114
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Repeatable Container
New Data Point
Phase 1
7/23/2012
Cardinality
Cardinality
ULDDS
Sort ID
FNM
Data Point
Mandate
Date
Repeat
Container
Mandate
Date
(R or CR)
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
7/23/2012
7/23/2012
….:..LOAN_PROGRAMS
….:…LOAN_PROGRAM
7/23/2012
MAX
MIN
MAX
MIN
MAX
0
0
1
1
0
0
1
1
0
0
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
X
X
1
1
1
1
1
0
1
0
1
1
X
7/23/2012
7/23/2012
….:…PAYMENT_COMPONENT_BREAKOUTS
0
1
0
1
7/23/2012
….:….PAYMENT_COMPONENT_BREAKOUT
0
1
0
1
XPath
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
411
412
413
414
416
422
423
426
429
430
GSE Cardinality
Differences
(as of 9/16/2014
update)
MIN
LoanProgramIdentifier
….:..LOAN_STATE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/LOAN_STATE
LoanStateDate
LoanStateType = "Current"
….:..MI_DATA
….:..MI_DATA_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/MI_DATA/MI_DATA_DETAIL
LenderPaidMIInterestRateAdjustmentPercent
MICertificateIdentifier
MICompanyNameType
MICompanyNameTypeOtherDescription
MICoveragePercent
MIPremiumFinancedAmount
MIPremiumFinancedIndicator
MIPremiumSourceType
PrimaryMIAbsenceReasonType
PrimaryMIAbsenceReasonTypeOtherDescription
….:..PAYMENT
7/23/2012
405
406
Phase 2
Q2 2016
Cardinality
X
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/LOAN_PROGRAMS/LOAN_PROGRAM
XPath
404
Phase 1B
11/26/2012
Cardinality
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Page 98 of 114
1
1
ULDD Phase 2
Document Version 2.0.3
Legend
XPath
Parent Container
Repeatable Container
New Data Point
Phase 1
7/23/2012
Cardinality
Cardinality
ULDDS
Sort ID
FNM
Data Point
Mandate
Date
Container
Mandate
Date
(R or CR)
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
450
451
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
459
MAX
MIN
MAX
MIN
MAX
PrincipalAndInterestPaymentAmount
….:…PAYMENT_SUMMARY
1
1
1
1
1
1
AggregateLoanCurtailmentAmount
LastPaidInstallmentDueDate
LastPaymentReceivedDate
UPBAmount
….:…LOAN_PRODUCT_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/SELECTED_LOAN_PRODUCT/LOAN_PROD
UCT_DETAIL
FNMHomeImprovementProductType
RefinanceProgramIdentifier
….:..SERVICING
….:…DELINQUENCY_SUMMARY
0
1
0
1
0
1
1
1
1
1
1
1
1
1
1
1
1
1
0
1
0
1
0
0
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/SERVICING/DELINQUENCY_SUMMARY
XPath
452
MIN
GSE Cardinality
Differences
(as of 9/16/2014
update)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/PAYMENT/PAYMENT_SUMMARY
XPath
438
440
441
442
Phase 2
Q2 2016
Cardinality
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/PAYMENT/PAYMENT_COMPONENT_BREA
KOUTS/PAYMENT_COMPONENT_BREAKOUT
XPath
436
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
Phase 1B
11/26/2012
Cardinality
N/A
DelinquentPaymentsOverPastTwelveMonthsCount
....:.LOAN
LoanRoleType = “SubjectLoan” and LoanStateType =
“AtConversion”
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN
LoanRoleType = "SubjectLoan"
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Page 99 of 114
X
ULDD Phase 2
Document Version 2.0.3
Legend
XPath
Parent Container
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New Data Point
Phase 1
7/23/2012
Cardinality
Cardinality
ULDDS
Sort ID
FNM
Data Point
Mandate
Date
Container
Mandate
Date
(R or CR)
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
7/23/2012
….:..ADJUSTMENT
….:…RATE_OR_PAYMENT_CHANGE_OCCURREN
CES
….:….RATE_OR_PAYMENT_CHANGE_OCCURRE
NCE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/ADJUSTMENT/RATE_OR_PAYMENT_CHA
NGE_OCCURRENCES/RATE_OR_PAYMENT_CHANG
E_OCCURRENCE
LatestConversionEffectiveDate
….:..AMORTIZATION
….:...AMORTIZATION_RULE
7/23/2012
7/23/2012
XPath
460
N/A
7/23/2012
7/23/2012
N/A
7/23/2012
7/23/2012
7/23/2012
N/A
7/23/2012
XPath
464.1
N/A
7/23/2012
XPath
MIN
MAX
MIN
MAX
MIN
MAX
GSE Cardinality
Differences
(as of 9/16/2014
update)
0
1
0
1
0
0
X
0
1
0
1
0
0
X
0
∞
0
∞
0
0
X
0
0
1
1
0
0
1
1
0
0
0
0
X
X
LoanAmortizationType
….:..INTEREST_CALCULATION
….:…INTEREST_CALCULATION_RULES
….:….INTEREST_CALCULATION_RULE
0
0
0
1
1
∞
0
0
0
1
1
∞
0
0
0
0
0
0
X
X
X
0
1
0
1
0
0
X
0
1
0
1
0
0
X
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/INTEREST_CALCULATION/INTEREST_CAL
CULATION_RULES/INTEREST_CALCULATION_RULE
XPath
463
Phase 2
Q2 2016
Cardinality
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/AMORTIZATION/AMORTIZATION_RULE
XPath
461
Phase 1B
11/26/2012
Cardinality
InterestCalculationType
….:..LOAN_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/LOAN_DETAIL
BalloonIndicator
….:..LOAN_STATE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/LOAN_STATE
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Page 100 of 114
ULDD Phase 2
Document Version 2.0.3
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XPath
Parent Container
Repeatable Container
New Data Point
Phase 1
7/23/2012
Cardinality
Cardinality
ULDDS
Sort ID
FNM
Data Point
Mandate
Date
465
466
N/A
N/A
Container
Mandate
Date
(R or CR)
7/23/2012
7/23/2012
XPath
467
N/A
7/23/2012
7/23/2012
XPath
468
469
471
N/A
N/A
N/A
7/23/2012
XPath
472
474
476
N/A
N/A
N/A
7/23/2012
XPath
496
7/23/2012
7/23/2012
7/23/2012
XPath
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
LoanStateDate
LoanStateType = "AtConversion"
….:..MATURITY
….:…MATURITY_RULE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/MATURITY/MATURITY_RULE
LoanMaturityDate
….:..PAYMENT
….:…PAYMENT_RULE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/PAYMENT/PAYMENT_RULE
InitialPrincipalAndInterestPaymentAmount
PaymentFrequencyType
ScheduledFirstPaymentDate
….:..TERMS_OF_MORTGAGE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/TERMS_OF_MORTGAGE
MortgageType
NoteAmount
NoteRatePercent
....:.LOAN
LoanRoleType = “RelatedLoan” and LoanStateType =
“AtClosing”
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN
LoanRoleType = "RelatedLoan"
….:..AMORTIZATION
….:...AMORTIZATION_RULE
Phase 1B
11/26/2012
Cardinality
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
GSE Cardinality
Differences
(as of 9/16/2014
update)
0
0
1
1
0
0
1
1
0
0
0
0
X
X
0
0
1
1
0
0
1
1
0
0
0
0
X
X
0
1
0
1
0
0
X
0
1
0
1
0
1
X
0
0
1
1
0
0
1
1
0
0
1
1
X
X
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/AMORTIZATION/AMORTIZATION_RULE
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Page 101 of 114
ULDD Phase 2
Document Version 2.0.3
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Parent Container
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Phase 1
7/23/2012
Cardinality
Cardinality
ULDDS
Sort ID
FNM
Data Point
Mandate
Date
497
7/23/2012
Container
Mandate
Date
(R or CR)
7/23/2012
XPath
499
7/23/2012
7/23/2012
XPath
501
502
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
503
504
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
506
7/23/2012
7/23/2012
XPath
507
509
Repeat
XPath
7/23/2012
7/23/2012
7/23/2012
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
LoanAmortizationType
….:..LOAN_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/LOAN_DETAIL
BalloonIndicator
….:..LOAN_STATE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/LOAN_STATE
LoanStateDate
LoanStateType = "AtClosing"
….:..MATURITY
….:…MATURITY_RULE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/MATURITY/MATURITY_RULE
LoanMaturityPeriodCount
LoanMaturityPeriodType
….:..PAYMENT
….:…PAYMENT_RULE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/PAYMENT/PAYMENT_RULE
ScheduledFirstPaymentDate
….:..TERMS_OF_MORTGAGE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/TERMS_OF_MORTGAGE
LienPriorityType
NoteAmount
....:.LOAN
LoanRoleType = “RelatedLoan” and LoanStateType =
“Current.”
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Phase 1B
11/26/2012
Cardinality
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
GSE Cardinality
Differences
(as of 9/16/2014
update)
0
1
0
1
0
1
X
0
1
0
1
0
1
X
0
0
1
1
0
0
1
1
0
0
1
1
X
X
0
0
1
1
0
0
1
1
0
0
1
1
X
X
0
1
0
1
0
1
X
0
1
0
1
0
3
X
Page 102 of 114
ULDD Phase 2
Document Version 2.0.3
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XPath
Parent Container
Repeatable Container
New Data Point
Phase 1
7/23/2012
Cardinality
Cardinality
ULDDS
Sort ID
FNM
Data Point
Mandate
Date
510
7/23/2012
Container
Mandate
Date
(R or CR)
7/23/2012
7/23/2012
7/23/2012
XPath
511
512
7/23/2012
7/23/2012
7/23/2012
XPath
513
7/23/2012
7/23/2012
XPath
514
515
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
517
519
LoanRoleType = "RelatedLoan"
….:..HELOC
….:…HELOC_OCCURRENCES
….:….HELOC_OCCURRENCE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/HELOC/HELOC_OCCURRENCES/HELOC_O
CCURRENCE
CurrentHELOCMaximumBalanceAmount
HELOCBalanceAmount
….:..LOAN_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/LOAN_DETAIL
HELOCIndicator
….:..LOAN_STATE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/LOAN_STATE
LoanStateDate
LoanStateType = "Current"
….:..PAYMENT
….:…PAYMENT_SUMMARY
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
0
0
0
1
1
1
0
0
0
1
1
1
0
0
0
1
1
1
0
1
0
1
0
1
0
1
0
1
0
1
0
0
1
1
0
0
1
1
0
0
1
1
0
1
0
1
0
1
1
1
1
1
1
1
GSE Cardinality
Differences
(as of 9/16/2014
update)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/PAYMENT/PAYMENT_SUMMARY
XPath
516
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
Phase 1B
11/26/2012
Cardinality
7/23/2012
7/23/2012
7/23/2012
UPBAmount
….:..TERMS_OF_MORTGAGE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA
NS/LOAN/TERMS_OF_MORTGAGE
LienPriorityType
MortgageType
….:PARTIES
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Page 103 of 114
ULDD Phase 2
Document Version 2.0.3
Legend
XPath
Parent Container
Repeatable Container
New Data Point
Phase 1
7/23/2012
Cardinality
Cardinality
ULDDS
Sort ID
FNM
Data Point
Mandate
Date
Container
Mandate
Date
(R or CR)
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
525
7/23/2012
7/23/2012
XPath
528
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
534
7/23/2012
7/23/2012
XPath
537
7/23/2012
Repeat
7/23/2012
Either
7/23/2012
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
….:.PARTY
PartyRoleType = "Appraiser"
….:.. ROLES
….:… ROLE
….:….APPRAISER
….:….:APPRAISER_LICENSE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/APPRAISER/APPRAISER_L
ICENSE
AppraiserLicenseIdentifier
….:….ROLE_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType = "Appraiser"
….:.PARTY
PartyRoleType = "AppraiserSupervisor"
….:.. ROLES
….:… ROLE
….:….APPRAISER_SUPERVISOR
….:….:APPRAISER_LICENSE
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/APPRAISER_SUPERVISOR/
APPRAISER_LICENSE
AppraiserLicenseIdentifier
….:….ROLE_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType = "AppraiserSupervisor"
….:.PARTY
PartyRoleType = "Borrower"
….:..INDIVIDUAL
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Phase 1B
11/26/2012
Cardinality
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
0
1
0
1
0
1
0
0
0
0
1
1
1
1
0
0
0
0
1
1
1
1
0
0
0
0
1
1
1
1
0
1
0
1
0
1
0
1
0
1
0
1
0
0
0
0
1
1
1
1
0
0
0
0
1
1
1
1
0
0
0
0
1
1
1
1
0
1
0
1
0
1
1
2
1
2
1
0
1
0
1
0
Page 104 of 114
4
2
1
GSE Cardinality
Differences
(as of 9/16/2014
update)
X
ULDD Phase 2
Document Version 2.0.3
Legend
XPath
Parent Container
Repeatable Container
New Data Point
Phase 1
7/23/2012
Cardinality
Cardinality
ULDDS
Sort ID
FNM
Data Point
Mandate
Date
Container
Mandate
Date
(R or CR)
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
7/23/2012
….:…NAME
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/INDIVIDUAL/NAME
FirstName
LastName
MiddleName
SuffixName
….:..LEGAL_ENTITY
….:…LEGAL_ENTITY_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/LEGAL_ENTITY/LEGAL_ENTITY_DETAI
L
FullName
LegalEntityType
LegalEntityTypeOtherDescription
….:..ADDRESSES
….:…ADDRESS
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ADDRESSES/ADDRESS
AddressLineText
AddressType
CityName
CountryCode
PostalCode
StateCode
….:.. ROLES
….:… ROLE
….:….BORROWER
….:….:BORROWER_DETAIL
XPath
540
541
542
543
OR
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
544
545
546
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
548
549
554
555
557
560
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Phase 1B
11/26/2012
Cardinality
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
0
1
0
1
0
1
0
0
1
1
0
0
1
1
0
0
1
1
0
0
1
1
0
0
1
1
0
0
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Page 105 of 114
GSE Cardinality
Differences
(as of 9/16/2014
update)
ULDD Phase 2
Document Version 2.0.3
Legend
XPath
Parent Container
Repeatable Container
New Data Point
Phase 1
7/23/2012
Cardinality
Cardinality
ULDDS
Sort ID
FNM
Data Point
Mandate
Date
Container
Mandate
Date
(R or CR)
XPath
567
568
571
572
573
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
576
577
578
579
7/23/2012
7/23/2012
7/23/2012
7/23/2012
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/BORROWER/BORROWER_
DETAIL
BorrowerAgeAtApplicationYearsCount
BorrowerBirthDate
BorrowerClassificationType
BorrowerMailToAddressSameAsPropertyIndicator
BorrowerQualifyingIncomeAmount
….:….:COUNSELING_CONFIRMATION
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/BORROWER/COUNSELING
_CONFIRMATION
CounselingConfirmationType
CounselingConfirmationTypeOtherDescription
CounselingFormatType
CounselingFormatTypeOtherDescription
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
0
1
0
1
0
1
7/23/2012
….:….:CREDIT_SCORES
1
1
1
1
7/23/2012
….:….:.CREDIT_SCORE
1
1
1
1
7/23/2012
….:….:..CREDIT_SCORE_DETAIL
1
1
1
1
1
0
1
0
1
0
GSE Cardinality
Differences
(as of 9/16/2014
update)
1
X
1
X
1
X
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/BORROWER/CREDIT_SCO
RES/CREDIT_SCORE/CREDIT_SCORE_DETAIL
XPath
580
582
583
590
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
Phase 1B
11/26/2012
Cardinality
2Q-2016
7/23/2012
7/23/2012
7/23/2012
2Q-2016
CreditReportIdentifier
CreditRepositorySourceIndicator
CreditRepositorySourceType
CreditScoreValue
….:….:..CREDIT_SCORE_PROVIDER
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
0
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MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
MIN
….:….:...CREDIT_SCORE_PROVIDER_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/BORROWER/CREDIT_SCO
RES/CREDIT_SCORE/CREDIT_SCORE_PROVIDER/CR
EDIT_SCORE_PROVIDER_DETAIL
CreditScoreProviderName
….:….:DECLARATION
….:….:DECLARATION_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/BORROWER/DECLARATIO
N/DECLARATION_DETAIL
BankruptcyIndicator
BorrowerFirstTimeHomebuyerIndicator
CitizenshipResidencyType
LoanForeclosureOrJudgmentIndicator
….:….:EMPLOYERS
….:….:.EMPLOYER
….:….:..EMPLOYMENT
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/BORROWER/EMPLOYERS/
EMPLOYER/EMPLOYMENT
EmploymentBorrowerSelfEmployedIndicator
….:….:GOVERNMENT_MONITORING
….:….:.GOVERNMENT_MONITORING_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/BORROWER/GOVERNME
NT_MONITORING/GOVERNMENT_MONITORING_DE
TAIL
GenderType
HMDAEthnicityType
….:….:.HMDA_RACES
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
MAX
Phase 1B
11/26/2012
Cardinality
MIN
MAX
Phase 2
Q2 2016
Cardinality
MIN
MAX
0
1
1
1
1
1
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1
1
1
1
1
1
0
0
0
1
∞
1
0
0
0
1
∞
1
0
0
0
1
1
1
0
0
1
1
0
0
1
1
0
0
1
1
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1
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0
1
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7/23/2012
….:….:..HMDA_RACE
7/23/2012
7/23/2012
XPath
611
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7/23/2012
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XPath
613
614
7/23/2012
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7/23/2012
XPath
620
7/23/2012
7/23/2012
7/23/2012
XPath
621
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
GSE Cardinality
Differences
(as of 9/16/2014
update)
1
4
1
4
0
4
X
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
X
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
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X
X
X
1
1
1
1
1
1
1
1
1
1
1
1
X
X
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/BORROWER/GOVERNME
NT_MONITORING/HMDA_RACES/HMDA_RACE
XPath
610
Phase 1B
11/26/2012
Cardinality
7/23/2012
HMDARaceType
….:….ROLE_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType = "Borrower"
….:..TAXPAYER_IDENTIFIERS
….:…TAXPAYER_IDENTIFIER
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/TAXPAYER_IDENTIFIERS/TAXPAYER_I
DENTIFIER
TaxpayerIdentifierType
TaxpayerIdentifierValue
….:.PARTY
PartyRoleType = "DocumentCustodian"
….:.. ROLES
….:…PARTY_ROLE_IDENTIFIERS
….:….PARTY_ROLE_IDENTIFIER
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PAR
TY_ROLE_IDENTIFIER
PartyRoleIdentifier
….:… ROLE
….:….ROLE_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType = "DocumentCustodian"
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
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XPath
634
7/23/2012
7/23/2012
7/23/2012
….:.PARTY
PartyRoleType = "LoanOriginationCompany"
….:.. ROLES
….:…PARTY_ROLE_IDENTIFIERS
….:….PARTY_ROLE_IDENTIFIER
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PAR
TY_ROLE_IDENTIFIER
PartyRoleIdentifier
….:… ROLE
….:….ROLE_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType = "LoanOriginationCompany"
….:.PARTY
PartyRoleType = "LoanOriginator"
….:.. ROLES
….:…PARTY_ROLE_IDENTIFIERS
….:….PARTY_ROLE_IDENTIFIER
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PAR
TY_ROLE_IDENTIFIER
PartyRoleIdentifier
….:… ROLE
….:….LOAN_ORIGINATOR
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
0
1
0
1
1
1
0
0
0
1
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1
0
0
0
1
1
1
1
1
1
1
1
1
0
0
1
1
0
0
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
GSE Cardinality
Differences
(as of 9/16/2014
update)
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/LOAN_ORIGINATOR
XPath
635
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
Phase 1B
11/26/2012
Cardinality
7/23/2012
7/23/2012
LoanOriginatorType
….:….ROLE_DETAIL
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
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11/26/2012
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XPath
641.2
11/26/2012
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType = "LoanOriginator"
….:.PARTY
PartyRoleType = "LoanSeller"
….:.. ROLES
….:…PARTY_ROLE_IDENTIFIERS
….:….PARTY_ROLE_IDENTIFIER
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PAR
TY_ROLE_IDENTIFIER
PartyRoleIdentifier
….:… ROLE
….:….ROLE_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType = "LoanSelle r" ….:.PARTY
PartyRoleType = "NotePayTo"
….:..LEGAL_ENTITY
….:…LEGAL_ENTITY_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/LEGAL_ENTITY/LEGAL_ENTITY_DETAI
L
FullName
….:… ROLE
….:….ROLE_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType = "NotePayTo"
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Phase 1B
11/26/2012
Cardinality
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
GSE Cardinality
Differences
(as of 9/16/2014
update)
1
1
1
1
1
1
X
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
X
X
X
1
1
1
1
1
1
1
1
1
1
1
1
X
X
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
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MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
….:.PARTY
PartyRoleType = "Payee"
….:.. ROLES
….:…PARTY_ROLE_IDENTIFIERS
….:….PARTY_ROLE_IDENTIFIER
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PAR
TY_ROLE_IDENTIFIER
PartyRoleIdentifier
….:… ROLE
….:….ROLE_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType = "Payee"
….:.PARTY
PartyRoleType = "Servicer"
….:.. ROLES
….:…PARTY_ROLE_IDENTIFIERS
….:….PARTY_ROLE_IDENTIFIER
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PAR
TY_ROLE_IDENTIFIER
PartyRoleIdentifier
….:… ROLE
….:….ROLE_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PAR
TIES/PARTY/ROLES/ROLE/ROLE_DETAIL
PartyRoleType = "Servicer"
…INVESTOR_FEATURES
….INVESTOR_FEATURE
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Phase 1B
11/26/2012
Cardinality
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
GSE Cardinality
Differences
(as of 9/16/2014
update)
0
1
0
1
0
1
X
0
0
0
1
1
1
0
0
0
1
1
1
0
0
0
1
1
1
X
X
X
0
0
1
1
0
0
1
1
0
0
1
1
X
X
1
1
1
1
1
1
X
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
X
X
X
1
1
1
1
1
1
1
1
1
1
1
1
X
X
0
0
1
3
0
0
1
3
0
0
1
3
X
X
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implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
7/23/2012
MESSAGE/DEAL_SETS/DEAL_SET/INVESTOR_FEATU
RES/INVESTOR_FEATURE
InvestorFeatureIdentifier
…PARTIES
XPath
651
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
652
7/23/2012
7/23/2012
7/23/2012
XPath
653
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
655
7/23/2012
7/23/2012
7/23/2012
….PARTY
PartyRoleType = "DocumentCustodian" (Pool Level)
....:ROLES
….:.PARTY_ROLE_IDENTIFERS
….:..PARTY_ROLE_IDENTIFIER
MESSAGE/DEAL_SETS/DEAL_SET/PARTIES/PARTY/R
OLES/PARTY_ROLE_IDENTIFIERS/PARTY_ROLE_IDE
NTIFIER
PartyRoleIdentifier
….:.ROLE
….:..ROLE_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/PARTIES/PARTY/R
OLES/ROLE/ROLE_DETAIL
PartyRoleType = "DocumentCustodian"
….PARTY
PartyRoleType = "LoanSeller" (Pool Level)
....:ROLES
….:.PARTY_ROLE_IDENTIFERS
….:..PARTY_ROLE_IDENTIFIER
MESSAGE/DEAL_SETS/DEAL_SET/PARTIES/PARTY/R
OLES/PARTY_ROLE_IDENTIFIERS/PARTY_ROLE_IDE
NTIFIER
PartyRoleIdentifier
….:.ROLE
….:..ROLE_DETAIL
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Phase 1B
11/26/2012
Cardinality
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
GSE Cardinality
Differences
(as of 9/16/2014
update)
0
1
0
1
0
1
X
0
∞
0
∞
0
1
X
0
0
0
1
1
1
0
0
0
1
1
1
0
0
0
1
1
1
X
X
X
0
0
1
1
0
0
1
1
0
0
1
1
X
X
0
∞
0
∞
0
1
X
0
0
0
1
1
1
0
0
0
1
1
1
0
0
0
1
1
1
X
X
X
0
0
1
1
0
0
1
1
0
0
1
1
X
X
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Sort ID
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Data Point
Mandate
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Container
Mandate
Date
(R or CR)
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
661
662
664
665
666
667
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
MESSAGE/DEAL_SETS/DEAL_SET/PARTIES/PARTY/R
OLES/ROLE/ROLE_DETAIL
PartyRoleType = "LoanSeller"
….PARTY
PartyRoleType = "Servicer" (Pool Level)
....:ROLES
….:.PARTY_ROLE_IDENTIFERS
….:..PARTY_ROLE_IDENTIFIER
MESSAGE/DEAL_SETS/DEAL_SET/PARTIES/PARTY/R
OLES/PARTY_ROLE_IDENTIFIERS/PARTY_ROLE_IDE
NTIFIER
PartyRoleIdentifier
….:.ROLE
….:..ROLE_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/PARTIES/PARTY/R
OLES/ROLE/ROLE_DETAIL
PartyRoleType = "Servicer"
…POOL
….POOL_DETAIL
MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DET
AIL
PoolAccrualRateStructureType
PoolAmortizationType
PoolAssumabilityIndicator
PoolBalloonIndicator
PoolFixedServicingFeePercent
PoolIdentifier
669
7/23/2012
PoolInterestAndPaymentAdjustmentIndexLeadDaysCount
670
671
7/23/2012
7/23/2012
PoolInterestOnlyIndicator
PoolInterestRateRoundingPercent
XPath
656
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
658
7/23/2012
7/23/2012
7/23/2012
XPath
659
7/23/2012
7/23/2012
7/23/2012
XPath
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Phase 1B
11/26/2012
Cardinality
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
GSE Cardinality
Differences
(as of 9/16/2014
update)
0
∞
0
∞
0
1
X
0
0
0
1
1
1
0
0
0
1
1
1
0
0
0
1
1
1
X
X
X
0
0
1
1
0
0
1
1
0
0
1
1
X
X
0
0
1
1
0
0
1
1
0
0
1
1
X
X
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Data Point
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Date
672
673
674
675
676
677
678
680
681
682
683
685
686
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
Container
Mandate
Date
(R or CR)
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
7/23/2012
XPath
688
PoolInterestRateRoundingType
PoolInvestorProductPlanIdentifier
PoolIssueDate
PoolMarginRatePercent
PoolMaximumAccrualRatePercent
PoolMinimumAccrualRatePercent
PoolMortgageType
PoolOwnershipPercent
PoolScheduledRemittancePaymentDay
PoolSecurityIssueDateInterestRatePercent
PoolStructureType
PoolSuffixIdentifier
SecurityTradeBookEntryDate
..PARTIES
…PARTY
PartyRoleType = "LoanDeliveryFilePreparer" (File
Level)
....ROLES
….:PARTY_ROLE_IDENTIFERS
….:.PARTY_ROLE_IDENTIFIER
Phase 2
Q2 2016
Cardinality
MIN
MAX
MIN
MAX
MIN
MAX
1
1
1
1
1
1
1
∞
1
∞
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
GSE Cardinality
Differences
(as of 9/16/2014
update)
MESSAGE/DEAL_SETS/PARTIES/PARTY/ROLES/PART
Y_ROLE_IDENTIFIERS/PARTY_ROLE_IDENTIFIER
XPath
687
MISMO v3.0 Container Name (with container
implementation notes)
MISMO v3.0 Xpath
MISMO v3.0 Data Point Name
Phase 1B
11/26/2012
Cardinality
7/23/2012
PartyRoleIdentifier
….:ROLE
….:.ROLE_DETAIL
MESSAGE/DEAL_SETS/PARTIES/PARTY/ROLES/ROL
E/ROLE_DETAIL
PartyRoleType = "LoanDeliveryFilePreparer"
Appendix D - Fannie Mae XML Data Reference
Cardinality-9
Page 114 of 114
ULDD Phase 2
Document Version 2.0.3