Freddie Mac

Implementation Guide for Loan Delivery Data

Appendix A - Freddie Mac XML Data Requirements

Phase 3

Document Version 4.0.3

Issued: December 13, 2016

Updated: February 21, 2018

This specification relates to the Uniform Mortgage Data Program

, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of their regulator, the Federal Housing Finance Agency.

2018 Freddie Mac. All Rights Reserved.

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. Loan Product Advisor, Loan Prospector and LP are registered trademarks of Freddie Mac.

Appendix A Freddie Mac XML Data Requirements

Tab 2 - Read Me

Sort ID MISMO Data Point Name ULDDS Conditionality FRE Conditionality

86 PropertyValuationFormTypeOtherDescription CI CR

233 ENoteIndicator CR CR

258.1 BiweeklyComparableMonthlyMaturityDate CI CR

363 EscrowBalanceAmount CR CR

398.1 WarehouseLenderIndicator CI R

400.1 InvestorLoanIdentifier CI O

403.1 LoanIdentifier CR CR

403.2 LoanIdentifierType CR CR

513.1 LoanAffordableIndicator CR CR

608.1 HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator CR CR

608.2 HMDAGenderRefusalIndicator CR CR

608.3 HMDAGenderType CR CR

609.1 HMDAEthnicityType CR CR

609.2 HMDAEthnicityOriginType CR CR

609.3 HMDAEthnicityOriginTypeOtherDescription CR CR

609.4 HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator CR CR

609.5 HMDAEthnicityRefusalIndicator CR CR

610.1 HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator CR CR

610.2 HMDARaceRefusalIndicator CR CR

610.21 HMDARaceDesignationOtherAsianDescription CR CR

610.22 HMDARaceDesignationOtherPacificIslanderDescription CR CR

610.3 HMDARaceDesignationType CR CR

610.5 HMDARaceType CR CR

610.6 HMDARaceTypeAdditionalDescription CR CR

641.3 PartyRoleType CR CR

641.4 PartyRoleTypeOtherDescription CR CR

641.5 TaxpayerIdentifierType CR CR

641.6 TaxpayerIdentifierValue CR CR

650.1 PartyRoleIdentifier CR CR

650.2 PartyRoleType CR CR

Overview

In July 2012, under the direction of the Federal Housing Finance Agency (FHFA), Freddie Mac and Fannie Mae (the GSEs) implemented a unified set of loan delivery data requirements that integrated each GSEs loan delivery processes and business policies. The result was a joint loan

delivery file interface known as the Uniform Loan Delivery Dataset (ULDD) specification, which is based on the Mortgage Industry Standards Maintenance Organization (MISMO) Version 3.0 (v3.0) Reference Model, an eXtensible Markup Language (XML) schema file.

On December 13, 2016 the GSEs published the ULDD Phase 3 Requirements, and subsequent revisions to Appendix D - Freddie Mac XML Data Requirements Reference Tool on 3/28/17, 6/27/17, and 11/7/17. Lenders and technology solution providers should assess the requirements to

determine the impacts on their systems to prepare for their Phase 3 deliveries. Delivery of ULDD Phase 3, requires the use of extension containers to the MISMO v3.0.0 reference model.

Summary of New Data Points in ULDD Phase 3

ULDD Phase 3 requirements contain the addition of 30 new data points summarized in the table below, as well as several revisions to existing ULDD data points. The complete Phase 3 requirements are provided on Tab 10-Phase 3 Complete. A subset of the complete requirements that were

introduced with Phase 3 or require revisions in Phase 3 are contained in Tab 9B-ULDD Phase 3 Only. In addition, the GSE's have further aligned on several data points that were optional for Fannie Mae, and are now conditionally required. The changes to GSE ULDD alignment are

identified in Tab 9A-ULDD Update Issued 11-07-2017 by filtering on the ULDDS Conditionality (Column M).

Freddie Mac Implementation Guide for Loan Delivery Data Page 2 of 793 Version 4.0.3, 2/21/2018

Appendix A Freddie Mac XML Data Requirements

Tab 2 - Read Me

The date on which Freddie Mac will implement the ULDD Phase 3 data points in Loan Selling Advisor. On February 26, 2018, the Loan Selling Advisor screens and import file validation process will be updated to include the new data points and enumerations.

ULDD Phase 3 Implementation Timeline

February 26, 2018 - May 19, 2019 Transition Period

During the transition period between February 26, 2018 and May 19, 2019, Sellers are not required to deliver the Phase 3 data points, although they are encouraged to begin doing so as soon as they are operationally ready.

Loans having an Application Received Date on or after January 1, 2019, and delivered to Freddie Mac on or after May 20, 2019 must meet the ULDD Phase 3 requirements.

January 1, 2019 - Application Received Date

May 20, 2019 - Mandate

February 26, 2018 - Phase 3 ULDD "Freddie Mac Implementation Date" or the "Deployment Date."

Freddie Mac Implementation Guide for Loan Delivery Data Page 3 of 793 Version 4.0.3, 2/21/2018

Appendix A Freddie Mac XML Data Requirements

Tab 3 - Revision Summary

App A/D

Version

Number

App A/D

Publication Date

Application

Received DateMandate Date

FRE 4.0.3 2/21/2018 1/1/2019 5/20/2019

Update to Phase 3 Requirements

Mandate Date Specified: 5/20/19

Application Received Date: 1/1/2019

Loan Selling Advisor Screen (2): Sort IDs 567, 568

FRE 4.0.3 11/7/2017 1/1/2018 May-2019

Update to Phase 3 Requirements (69)

Enumeration Additions (2): Sort ID 152, 175

FRE Conditionality Details (14): Sort IDs 247, 251, 322, 325, 608.1, 608.2, 608.3, 609.1, 609.4, 609.5, 610.1, 610.2,

610.5, 641.3

FRE Implementation Notes (23): Sort IDs 322, 325, 328, 376, 591.1, 608.1, 608.2, 608.3, 609.1, 609.2, 609.3, 609.4,

609.5, 610.1, 610.2, 610.21, 610.22, 610.3, 610.5, 610.6, 641.3, 641.4, 641.6

GSE alignment on ULDDS Conditionality (15): Sort IDs 151, 152, 153, 154, 155, 172, 173, 174, 175, 176, 247, 249,

250, 354, 403

Loan Selling Advisor Screen Name (15): Sort IDs 608.1, 608.2, 608.3, 609.1, 609.2, 609.3, 609.4, 609.5, 610.1, 610.2,

610.21, 610.22, 610.3, 610.5, 610.6

Specification Change (1) -- Effective on January 1, 2019

Data Point (1): Sort ID 451

Container Changes, Tab 7-Cardinality (4)

Cardinality Max Change (3):

HMDA_ETHNICITY

HMDA_RACE

LOAN_IDENTIFIER

MATURITY_RULE container (1): Repositioned Sort ID 258.1

Loan Selling AdvisorSM

- formerly Selling System -- Effective immediately

Reflected in Tabs: 3-Revision Summary, 6-Column Descriptions, 7-Cardinality, 9A-ULDD Update Issued 11-7-2017, 9B-

Phase 3 Only, 10-Phase 3 Complete, 11-Phase 3 and Addenda 2012-2017 (where applicable) and 12-Phase 3 Additional

Implementation Notes

FRE 4.0.2 6/27/2017 1/1/2018 May-2019

Update to Phase 3 Requirements (5)

Net New Data Points (2): Sort ID 610.21, 610.22

Enumeration Additions (2): Sort ID 610.3

Enumeration Deletion (1): Sort ID 610.3

Remove Data Point (1): Sort ID 610.4

Update to Phase 3 Data Point Revision -- Effective Date February 26, 2018

Data Points (35): Sort IDs 2, 85, 86, 90, 173, 175, 176, 233, 258.1, 326, 327, 363, 400.1, 403.1, 403.2, 404, 513.1,

591.1, 608.1, 608.2, 608.3, 609.1, 609.2, 609.3, 609.4, 609.5, 610.1, 610.2, 610.3, 610.5, 610.6, 641.3, 641.4, 641.5, 641.6

Container Changes (9)

Cardinality Max Change (5):

HMDA_ETHNICITY

HMDA_ETHNICITY_ORIGIN

HMDA_RACE

HMDA_RACE_DESIGNATION

HMDA_RACE_DETAIL

HMDA_RACE_DESIGNATION (3): Removed Sort ID 610.4; Added Sort IDs 610.21, 610.22

GSE Difference (1): Removed from HMDA_RACE container

FRE 4.0.1 03/28/17 1/1/2018 May-2019

Update to Phase 3 Requirements (4)

Net New Data Point (1): Sort ID 86

Enumeration Additions (3): Sort IDs 86, 90, 591.1

Update to FRE Implementation Notes -- Effective March 28, 2017

Implementation Notes (3): Sort IDs 152, 244, 376

Specification Changes -- Effective June 5, 2017

Data Points (3): Sort IDs 398.1, 650.1, 650.2

Phase 3 Data Points -- Effective 1Q 2018

Data Points (36): Sort IDs 2, 85, 86, 90, 173, 175, 176, 233, 258.1, 326, 327, 363, 400.1, 403.1, 403.2, 404, 513.1, 591.1,

608.1, 608.2, 608.3, 609.1, 609.2, 609.3, 609.4, 609.5, 610.1, 610.2, 610.3, 610.4, 610.5, 610.6, 641.3, 641.4, 641.5, 641.6

Specification Change -- Effective Date to Be Determined (TBD)

Enumeration (1): Sort ID 451

Added the ULDDS Conditionality column to Tabs 9 and 10

Revision Summary

Freddie Mac Implementation Guide for Loan Delivery Data Page 4 of 793 Version 4.0.3, 2/21/2018

Appendix A Freddie Mac XML Data Requirements

Tab 3 - Revision Summary

App A/D

Version

Number

App A/D

Publication Date

Application

Received DateMandate Date Revision Summary

FRE 4.0.0 12/13/16 TBD TBD

Phase 3 Data Point Changes (28)

Net New Data Points (26): Sort IDs 258.1, 398.1, 400.1, 403.1, 403.2, 513.1, 608.1, 608.2, 608.3, 609.1, 609.2, 609.3,

609.4, 609.5, 610.1, 610.2, 610.3, 610.4, 610.5, 610.6, 641.3, 641.4, 641.5