Residential Loan Data 1003 Integration Guide 1003 1001

8/9/2019 Residential Loan Data 1003 Integration Guide 1003 1001

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2014 Fannie Mae. Trademarks of Fannie Mae. July 2014

2014 Fannie Mae. All rights reserved.Desktop Originator, Desktop Underwriter, DO, DU, Automated Property Service and EarlyCheck are trademarks ofFannie Mae. Other trademarks are owned by their respective owners.

Residential Loan DataFannie Mae Form 1003, Version 3.2

Requirements and Data FormatIntegration Guide

Updated: July 2014


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2014 Fannie Mae. Trademarks of Fannie Mae. RLD - 2 of 68

DOCUMENT REVISIONS ..................................................................................................................... 3

1003 VERSION 3.2 RESIDENTIAL LOAN DATA FILE FORMAT AND REQUIREMENTS ............ 12

HOW TO READ THE DATA FORMAT TABLES..................................................................................... 12

RESIDENTIALLOAN DATA -FORM 1003VERSION 3.2DATAFORMAT.............................................. 14NET RENTAL INCOME............................................................................................................................. 67

SUBJECT PROPERTY -NET CASH FLOW................................................................................................ 67

FIELDS THAT CAN BEADDED DURING THE LIABILITY RECONCILIATION PROCESS.................................... 68


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Date Change

07/16/03 Created new specification for 1003 Version 3.2. Additions/Changes are bolded.

07/22/03 Corrected field lengths for segments 02A, 03C and 10R.

08/15/03 Added note indicating fields LNC-120 and LNC-130 were converted to filler.

08/15/03 Added new transaction identifier specific to 1003 v 3.2.

08/15/03 Added comments on when to populate Country Field.

08/15/03 Corrected EDI Code Values for Loan Documentation Types, LNC-030

09/12/03 Changed definition of 06S-030 from Maximum HELOC Balance to Undrawn HELOC Amount

09/12/03 Changed all 000-030 fields to require 3.20.Updated EDI Codes values for Race, Ethnicity, and Sex. See the COD guide for further information.

01/04/04 Updated definition for field 01A-050 to indicate the field is defaulted to Unassigned if a value is not provided.

02/17/04 Updated 07A-030 to indicate that it is required for government loans when applicable. Updated definition forLEA-020, Sponsor ID. Added Adjustable ARM value for VA Loans, 01A-090.

03/08/04 Added new income types (05I) and asset types (06c) for the DU 5.4 Release.Reduced the number of declared declarations (08a) to five questions.

04/15/04 Changed Planned Urban Development (PUD) to Planned Unit Development (PUD) in Subject Property Type

Code (LNC-040); Changed Manufactured Housing to be Manufactured Home in Subject Property Type Code(LNC-040); Removed (VVOE) extension from Verbal Verification of Employment on LNC-030.

04/19/04 Added new values for FHA and VA Hybrid ARM in Product Plan Number (PID-040).

02/07/05 Updated LEA-020 and LEA-030 to indicate that field length is set to 20, but field value should match 10-digitnumber format assigned by HUD, without spaces or special characters.

02/07/05 SCA-020 and SCA-040 clarification: Do not mix _Type attributes for the Mortgage Score and Type.

02/07/05 Added additional Custom Desktop Underwriter fields now supported in CDU Interface.

09/27/05 Added new Project Classification Codes for field LNC-090:09 = P Condo 11 = R Condo 13 = T Condo10 = Q Condo 12 = S Condo 14 = U Condo

These values are required for delivery beginning November 1, 2005. Until then, these values are only valid fortesting.

10/12/05 Removed conditional requirement for 03A-140 Cross-Reference Number. This field is not used for Underwritingpurposes.

02/10/06 For PCH-070 Repayment Type Added note explaining difference between 1003 values and displayed valuesavailable in DO/DU on the Web graphical interface.

02/12/06 Modified definition of Monthly Income segments 04B-130 and 05I-040 to include negative values.

02/14/06 Updated EDI values effective following DU 5.6 release planned for Q3 2006:- Added values for 99B-070 Appraisal Fieldwork Ordered (132, 133, 134, 135, 136, 137, 138);- Deleted codes for 99B-070 (105, 107, 109)- Modified segment LNC-090 to reflect Project Classification Code 06 (III PUD) is no longer accepted followingDU 5.6 Release, scheduled for August 20, 2006.

03/15/06 Removed boldadditions related to differences between the 1003 File Format Version 3.0 and 3.2.

05/15/06 Per the DU 5.6 release scheduled for August 20, 2006, LMD-020 is no longer required for Community Lending.

DO/DU will derive the MSA value based on the Property Address. If the 1003 v3.2 or I AUS 2.3.1 file format forthe loan data contains MSA median income, DO/DU will use the value to determine the product eligibility.

06/30/06 Per the DU 5.6 release scheduled for August 20, 2006, please note the following changes: FannieNeighborsindicator, LMD-040 is no longer required. If the value is Yes (Y), DU will apply the FannieNeighbors guidelines.If the indicator is No (N) or blank, DU will check the database and apply the FannieNeighbors guidelines ifapplicable.02A-070, Number of Units: - Modified enhancement description.


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05/01/07 Per the DU 5.7 release scheduled for July 21, 2007 please note the following changes: Added new field, LMD-035 Community Seconds Repayment Structure Updated valid values for LMD-030 Community Lending Product Type Updated requirement and description for the following fields:

o ARM Index Value (ARM-020)

o ARM Index Margin (ARM-040)o Negative Amortization Limit Percent (LNC-100)

Removed recommendation to pass LMD-010 Community Lending header and LMD-030 CommunityLending Product Type for all loans.

08/29/07 Added new value for LNC-040 for MH Select (11). This new value will identify transactions aligned with the MHSelect product initiative.Modified LMD-060 field information to emphasize it is a value determined by value passed in LMD-020.Borrower provided data is not considered for underwriting.Modified LMD-070 field information to include whole number format for factor value.Modified LMD-080 field information to indicate that if this value is passed by the user in the loan application, itwill not be not be used for underwriting as this value is automatically calculated by DU.

11/09/07 PCH-070 modified to reflect that N and F2 are the only valid codes accepted by DU for underwriting and thatN is the only code valid for FHA and VA submissions.

11/20/07 Edited GOD-040, GOD-050, and GOD-060 field information to state they are not used by DU, VA or FHA. GOD-030 Data Stream label changed from Federal Tax to Total Taxes to align with DO/DU on the

Web and to reflect that this field is the total amount of federal, state, local and social security taxes. Addtotal value for Federal, State, Local and Social Security taxes and submit as GOD-030 Total Tax

GOE-040, GOE-050, GOE-060 and GOE-070 field changed to state they are not used for underwriting. 02B-030 field information modified; Submit FHA construction-perm loans as 16 (Purchase) only. 02D-070 Added F1=No Cash Out back into field information. DU does not support F1 for conforming

loans, but does support F1 for FHA/VA underwriting.Per the DU for Government release scheduled for December 15, 2007 DU automatically generates data tosupport FHA TOTAL Mortgage Scorecard underwriting. No data mapping changes are required. For First Time Home Buyer (FTHB) FHA Declaration fields 08A-130, 08A-140, 08A-150 descriptions

were edited to include that DU will automatically generate and submit corresponding required data to FHA

TOTAL Scorecard for underwriting. For Counsel Type (not supported by DU), Fannie Mae will automatically send A for Not Counseled forall FTHB submissions (default value); A null value will be sent for non-FTHB submissions.

12/04/07 Added notation that Ground Rent is not a supported value for 05H-040 Housing Payment Type Code.Please send as Other (23).PID-040 Added ARM Index codes 251 (FYA 1 yr) and VAYR1 (VA 1 yr).

12/17/07 Modified ASSET data mapping instructions related to 06A. Document all Asset/Account amount and typeinformation in the 06C segment.

05/15/07 Modified the definition for 1003 field 05H-040 HousingExpenseType. Fannie Mae: Ground Rent is notsupported. Send as Other (23). Proposed Rent (05H-030=Proposed (2) and 05H-040=Rent (25) isan invalid combination and is not supported by DU.

02/27/09 Update LNC Property type to indicate invalid type 09 (detached condo) for VA loans.

03/06/09 Updated information regarding rules for institution ID. This field is required to resubmit loans to the

appropriate institution. If not provided the default institution for the userid will be used. If this institution differsfrom the original submission an exception will occur

03/16/09 Updated LNC-040 with clearer guidance on FHA and VA requirements. The code 05 is not valid for FHAloans.Codes 05, 07, 10 and 09 are NOT valid for VA submissions.

05/19/09 Updates to the specification per FHA and FHFA new field requirements, for FHFA this includes:Supervisory Appraiser License Number, Origination Company ID, and Loan Originator ID fields to the

ADS segment. For FHA, added new enumerations for Down payment type code (02E-020), Type ofRefinance (GOA-110), FHA Section of the Act (GOB-020), and Changed Credit report score type (GOE-070) to First Time Homebuyer Counsel Type.


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05/22/09 Update to PID-020 to Enter Standard LCORin the Product Description field to underwrite a DU Refi Plusloan Casefile as a standard limited cash-out refinance.

06/02/09 Updates to new FHA and FHFA fields to X/Conditional, Required, if applicableUpdated the Property Street Address (02A-020) and provided clarification about how to populate the unitnumber. Changed the Date of Birth (03A-150) field from optional to required for DU.

06/09/09 Removed _ from SupervisoryAppraiserLicenseNumber field name in ADS-020 segment.07/10/09 Updated GOA-110 (Type of Refinance) added FHA or VA only for the following fields

4 = Interest Rate Reduction Refinance Loan (VA Only)H = HOPE for Homeowners (FHA Only)R = Prior FHA (FHA only)

09/21/09 Updates for the GOA-110 segmentFannie Mae Type of Refinance Code:1 = Full Documentation (Conventional, FHA or VA), Full Documentation (Remove Conventional and FullDocumentation)

2 = Streamline with Appraisal (Conventional and FHA only), Streamline with Appraisal (RemoveConventional and Streamline with Appraisal)

3 = Streamline without Appraisal (Conventional and FHA only), Streamline without Appraisal(RemoveConventional and Streamline without Appraisal)

12/09/09 Added additional guidance for required format and length of the valueof the LoanOriginatorID,LoanOriginationCompanyID, and SupervisoryAppraiserLicenseNumberfields in the Additional DataSegment (ADS), field number ADS-030. LoanOriginatorID and LoanOriginationCompanyID values must be numeric characters only and cannot

exceed 12 characters in length. SupervisoryAppraiserLicenseNumber value must allow alphanumeric characters and cannot exceed 21

characters in length.

01/04/10 Updated EDI code descriptions for field 10B-020 This application was taken by: EDI Code M description changed from Mail to Mail or Fax EDI Code I description changed from Internet to Internet or E-Mail

Updated Interviewer and Institution field names in segment 10B: Changed Interviewer to Loan Originator

Changed Institution to Loan Origination Company02/12/10 Per the DU 8.0 April release scheduled for April 17, 2010, please note the following changes:

Updated the Project Classification Type (LNC-090): Created the following new EDI codes:

15 = V Condo16 = G, not in a project or development17 = T PUD18 = T CO-OP

The following EDI codes will no longer be supported after 04/17/10:01 = A/III Condo

02 = B/II Condo

03 = C/I CondoUpdated the Community Lending Product code (LMD-030) Created the following new EDI code:

06 = HFA Affordable Advantage

05/09/11 Updated EDI values for 05I-030 (Type of Income Code):- Retired TC = Trailing Co-borrower Income- Modified value from M1 = Unemployment/Welfare to M1 = Unemployment/Public Assistance

Updated EDI values for 06S-030 (Summary Amount Type Code):- Added new value SCA = IPCs: Excess Financing Concessions or Sales Concessions Amount- Retired 1P = Total Monthly Income Not Including Net Rental Income, TMH = Total Present Housing

Expense, TLA = Subtotal Liquid Assets Not Including Gift, TNL = Subtotal Non-Liquid Assets, TRD =Re-subordinated Property Liens


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LEA-040 (Filler) was originally 23 characters in length. Shortened LEA-040 to 10 characters in lengthand created a new field LEA-050 from the remaining 13.- LEA-040 specified as Sponsored Originator EIN- LEA-050 reserved as filler for future use

Updated EDI values for LMD-030 (Community Lending Product Code).

- Added new value 07=HFA Preferred.- Modified label for value 06=HFA Affordable Advantage to 06=HFA Preferred Risk Sharing. Updated the required conditionality in the following elements of the Borrowers Declaration section

(Note: this update is to maintain consistency with DU on the Web):- 08A-040: required for conventional and government loans- 08A-050: required for conventional and government loans,- 08A-060: required for government loans only- 08A-070: required for government loans only- 08A-080: required for government loans only- 08A-090: required for government loans only- 08A-100: required for government loans only- 08A-110: required for government loans only- 08A-120: required for conventional and government loans- 08A-130: DU will not error if the value = N or not specified. If no value is specified, DU will default

value to N- 08A-140: required for conventional and government loans if 08A-130 (l. Do you intend to occupy...)

= "Y"- 08A-160: removed conditionality If 08A-140 (m. Have you had an ownership interest) = Y

05/11/11 Updated to include EarlyCheck supported data fields used in one or more EarlyCheck Edit rules.Reference document: EarlyCheck Loan Application Data Fields.xls.

07/20/11 Updated required conditionality values in the following elements of the Borrowers Declaration:08A-040,08A-050,08A-060,08A-070,08A-080,08A-090,08A-100,08A-120,08A-130,08A-140.

06/26/12 Updated guidance for 02A-050 (Property Zip Code) Field Information with following changes:- Modified: from Not required for pre-qualification;.to Conventional and VA loan:, the zip code is not

required for pre-qualification;- Added: Required for FHA loans; zip code will be used to derive the applicable county loan limit

information. Updated 02B-030 (Purchase of Loan) required conditionality by correcting RCto EC. Updated 02E-010 Field Information and added the following guidance: Fannie Mae: Required for VA

Purchase loans. Required for FHA loans when gift(s) is used as the down payment source. Updated 02E-020 (Down Payment Type Code) required conditionality and added: G/IRE Updated 02E-030 (Down Payment Amount) required conditionality and Field Information:

- Added required conditionality: G/IRE- Updated Field Information and added the following sentence: For FHA loan submissions, this

amount needs to be greater than $0 if any of the following Down Payment Type Codes are used:H1, H3, H5 or H6.

Added the following guidance for 03A-070 (Applicant Generation) Field Information: The name suffixof the borrower. (E.g., JR, SR, II, III, IV or V).

Updated information in 05H-010 for the Required section and the Field Information guidance:- Deleted the following from the Required column for 05H-010: Present Housing Expense is required if applicable and if Present Housing Expense is not

summarized (see segment 06S-010). if total income is not reported in segment 06S with Summary Type Code = IP

- Added guidance to Field Information with the following sentence: For more information, refer to theDU Training Quick Stepsfor Entering housing expenses for second homes/investment properties.

Updated 06C-010 Required information and deleted the following sentence: Conventional Loans:Required if Summary Asset Amounts are not included in record 06S with Summary Account TypeCode of TLA or TNL

Updated 06S-010 Field Information and made edits to the following:- Summary Amounts for Income, Housing, Assetschanged to Undrawn HELOC and IPCs.
https://www.fanniemae.com/content/job_aid/du-reo-expense-ratio.pdfhttps://www.fanniemae.com/content/job_aid/du-reo-expense-ratio.pdfhttps://www.fanniemae.com/content/job_aid/du-reo-expense-ratio.pdf


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- Summary Values are not supportedchanged to These values are not supported Updated 07A-110 (k. Applicants closing costs paid by Seller) Field Information and added the

following sentence: For FHA loans, seller credit can be populated in this field or in 07B as a SellerCredit but not in both places.

Updated 07B-020 (n. PMI, MIP, Funding Fee financed) Field Information and added the following

sentence: For FHA loans, seller credit can be populated in this field as Other Credit Type 02 or in07A-110 as Applicant Closing Cost Paid by Seller but not in both places. Updated ARM-050 (ARM Qualifying Rate) Field Information and added the following sentence: See

the DU Reference Material Qualifying Interest Rate Used by DU for Proposed Monthly HousingExpense.

Updated LNC-040 (Subject Property Type Code) guidance on Required information and added: FHAloans where the subject property is a condominium, you must populate one of the following values: 03,07 or 09.

Updated required conditionality for Government section GOA-120 (Property Country).- Updated required conditionality from G to - Deleted guidance: Required for FHA. Note: Field is not required for underwriting, however if blank

system will default to statutory limit for the state.- Added guidance: Note: This field will no longer be used.

Updated required conditionality for the following fields by ADDING EC:- 06G-060 (Property Zip Code) and 06G-070 (Property Zip Code Plus Four)

- ADS- 020 (LoanOriginatorID and LoanOriginatorCompanyID) and corresponding fields for ADS-030(Values)

- 06G-130 (Mortgage Payments)- ARM-020 (ARM Index Value)- ARM-050 (ARM Qualifying Rate)

Updated required conditionality for the following fields by DELETING EC.- 06L-100 (Acct. no.)- GOA-030 (Mortgage Credit Certificate)

Deleted ADDITIONAL FIELDS TO SUPPORT FOR CUSTOM DU chapter.

8/22/2012 Updated 02E-020 (Down Payment Type Code) Field Information and added the following sentence:04and H0 should NOT be used for FHA loans. Per HUD guidelines, H4 is NOT supported and

will result in an Error message or Ineligible recommendations. Updated 05I-030 (Type of Income Code) with new EDI values and additional guidance:- Added the following EDI values:

CG = Capital Gains*EA = Employment Related Assets*FI = Foreign Income*RP = Royalty Payment*SE = Seasonal Income*TL = Temporary Leave*TI = Tip Income*

- Updated Field Information with the following additional guidance: *New income values are only supported by DU and should not be sent for FHA or VA loans. *The new income values will be supported by DU on 10/20/2012 with the DU 9.0 Release.

Systems should continue to send these income sources as Other Income until this release. **Net Rental Income can be entered in the Income or REO segment. Please review the

information on page 60,Net Rental Income. Updated 06G-150 (Net Rental Income) Field Information with additional guidance:

Net Rental IncomeThe amount of the rental income that is net of mortgage payments, insurance, maintenance,taxes, and miscellaneous property expenses. If this field is not populated, then DesktopUnderwriter will calculate it based on a vacancy factor. If the number is positive, it will be addedto the qualifying income; if it is negative, it will be considered a liability and included in the totalexpense ratio calculation.

**Net Rental Income can be entered in the Income or REO segment. Please review the


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information on page 60,Net Rental Income. Updated LNC-090 (Project Classification Codes) to reflect two (2) retired EDI values:

- 17 = T PUD (no longer supported after 10/20/2012)- 18 = T CO_OP (no longer supported after 10/20/2012)

Consolidated information from the following sections into the corresponding sections of the

RESIDENTIAL LOAN DATA FORM 1003 VERSION 3.2 DATA FORMAT and deleted:- Residential Loan Data - Form 1003 Data Dictionary- Additional Case Data Dictionary- Loan Product Data Dictionary- Government Loan Transaction Data Dictionary- Community Lending Data Dictionary

Updated information in NET RENTAL INCOME chapter:- Modified sentence: If the borrower(s) have income from rental properties, you may enter Net Rental

Income either on a detail basis or on a summary basis:withIf the borrower(s) have incomefrom rental properties, you may enter Net Rental Income either on a detailed basis in the REOsegment or on a summary basis in the Income segment:

- Added sentence: For conventional loans, if you enter any summary Net Rental Income Amounts insegment 05I in the Casefile, the Underwriting Engine will ignore detailed amounts for any REOproperty.

- Modified sentence: If you enter detailed amounts for any REO property in the Casefile, theUnderwriting Engine will ignore any summary Net Rental Income Amounts entered in segment05I.with For government loans, if you enter detailed amounts for any REO property in theCasefile, the Underwriting Engine will ignore any summary Net Rental Income Amounts enteredin segment 05I.

04/22/13 Updated LNC-220 (MI Insurer Code) Field Information: Added 043=Essent Gauranty, Inc. Updated PID-040 (Product Plan Number) Field Information for VA 1 Yr ARM code: Corrected VAYR1

to VA1YR Updated Summary section 06S (Record ID: Undrawn HELOC and IPCs).

- Updated required conditionality for 06S (Record ID: Undrawn HELOC and IPCs) from toX/Conditional, G/Conditional and added guideline, Required IF an Undrawn HELOC is associatedwith the subject property.

- Deleted following guidance from 06S (Record ID: Undrawn HELOC and IPCs) Field Information:Government: These values are not supported

- Updated required conditionality for 06S-020 (Applicant Social Security Number) and added: G/IRE- Updated required conditionality for 06S-030 (Summary Amount Type Code) and added: X/IRE,

G/IRE- Updated required conditionality for 06S-040 (Amount) and added: X/IRE, G/IRE

11/25/13 Per the DU 9.1 November release scheduled for November 16, 2013, please note the following changes: Updated PCH-070 (Loan Repayment Type) with the following:

- Updated Field Information and added, (no longer supported after 11/16/2013)to value F2=InterestOnly

- Updated Required guidance and deleted, and F2 areand added, Per 9.1 Nov 2013 release,DU will no longer support value F2.

Updated PID-040 (Product Plan Number) with the following:- Updated Field Information and added, Per 9.1Nov 2013 Release, ARM Plan IDs related to Interest-

only and 40-yr ARMS will still be accepted for import, but will cause an Out of Scoperecommendation.

- Updated Required guidance from For a complete list of all active ARM Index Codes, go to theAdditional Resources section of the Integration Guide on http://www.efanniemae.comto For acomplete list of all active ARM Index Codes, go to the Data Standards Supporting Resourcessection of the Technology Integration webpage onhttps://www.fanniemae.com/singlefamily/technology-integration

Updated 01A-080 (No. of Months) Field Information and added, "Per 9.1 Nov 2013 release, a valuegreater than 360 will still be accepted for import, but will cause an Out of Scope recommendation."

Updated ARM-020 (ARM Index Value) Required guidance with the following:
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- Deleted: "Conditionally required for negatively amortizing and interest only ARM Plans."- Added: Fannie Mae: Conditionally required for all ARM Plans: If value is not passed, an ineligible

message will be returned. Updated ARM-040 (ARM Index Margin) Required guidance with the following:

- Deleted: "Conditionally required for negatively amortizing and interest only ARM Plans."

- Added: Fannie Mae: Conditionally required for all ARM Plans: If value is not passed, an ineligiblemessage will be returned. Updated 08B-010 (Record ID: Declaration Explanations) Required conditionality from not required to

C/DU Updated 08B-030 (Declaration Type Code) with the following:

- Updated Required conditionality from not required to C/DU- Updated Required guidance and added, Per 9.1 Nov 2013 release, to instruct DU to disregard

deed-in-lieu of foreclosure and preforeclosure sale in the credit data, use EDI code: 93. Updated 08B-040 (Declaration Explanation) with the following:

- Updated Required conditionality from not required to C/DU- Updated Required guidance and added the following: Per 9.1 Nov 2013 release, to instruct DU to disregard deed-in-lieu of foreclosure and

preforeclosure sale in the credit data, enter:Confirmed CR DIL*Confirmed CR PFS*

*Separate values by a comma when entering more than one item.

Per the EarlyCheck Change Notification on September 23, 2013, please note the following changes: Updated LNC-220 (MI Insurer Code) Field Information with a new EDI value, 044 = National Mortgage

Insurance Company, NMI

Additional changes to the specifications: Updated 02E (Record ID: Down Payment) Field Information and added, This record identifies the

source(s) of down payment, NOT the amount of down payment available or required. Updated 02E-020 (Down Payment Type Code) Field Information and added, While multiple 02E

segments can be passed to DU, only one instance of a FHA Gift Source and Amount is sent to theFHA TOTAL Mortgage Scorecard. Please refer to theDUG July 2012 Release Notes,page 4, formore information. Users should refer to the HUD guidelines to determine the appropriate FHA DownPayment Type Code to use.

Updated 02E-030 (Down Payment Amount) Field Information from, greater than $0 ifto,equal to the sum of all gift assets listed in 06C

Updated 03B (Record ID: Dependents Age) Required conditionality from not required toG/Conditional

Updated 03B-020 (Applicant Social Security Number) Required conditionality from not required toG/IRE

Updated 03B-030 (Dependents Age) Required conditionality from not required to G/Conditional Updated 04B-130 (Monthly Income) Field Information and deleted, A negative value is valid for this

segment. Updated GOD-030 (VA Federal Tax Amount) Field Information guidance from (Federal, State,

Retirement/Social Security, or Other) to(Federal, State, Retirement/Social Security, and/or Other) Updated LNC-220 (MI Insurer Code) Field Information and corrected spelling from Gaurantyto

Guaranty Updated LNC-230 (APR Spread) Field Information and added, ZZ.ZZ to indicate formatting

requirements for this field

07/28/14 Updated 01A-040 (Agency Case Number) Required conditionality from Gto G/Conditional Updated 01A-050 (Case Number) Required conditionality guidance and deleted, Conditionally

required for import Updated PAI-020 (House Number) Required conditionality from X, Gto X/Conditional,

G/Conditional
https://www.fanniemae.com/content/release_notes/du-government-loans-release-notes-07212012.pdfhttps://www.fanniemae.com/content/release_notes/du-government-loans-release-notes-07212012.pdfhttps://www.fanniemae.com/content/release_notes/du-government-loans-release-notes-07212012.pdf


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Updated PAI-030 (Street Name) Required conditionality from X, Gto X/Conditional, G/Conditional Updated PAI-040 (Unit Number) Required conditionality from X, Gto X/Conditional, G/Conditional Updated 02E-020 (Down Payment Type Code) Field Information guidance:

- Changed EDI code 09 definition from 09=Bridge Loanto 09=Financing Secured by sameproperty

- Replaced, While multiple 02E segments can be passed to DU, only one instance of a FHA GiftSource and Amount is sent to the FHA TOTAL Mortgage Scorecard......"withEach source of downpayment should be passed as a 02E segment to DU. Multiple occurances of the 02E segment canbe passed."AND Only one instance of a FHA Gift Source and Amount is sent to the FHA TOTALMortgage Scorecard..."

Updated 02E-030 (Down Payment Amount) Field Information guidance and replaced, For FHA loansubmissions, the total amount needs to be equal to the sum of all gift assets listed in 06C any of thefollowing Down Payment Type Codes are used: H1, H3, H5 or H6.with For FHA loan submissions,the total sum of the amount(s) passed in 02E-030 for the Down Payment Type Codes: H1, H3, H5and/or H6, should equal the sum of all gift assets listed in 06C.

Updated 05I-030 (Type of Income Code) and deleted Field Information guidance: *The new incomevalues will be supported by DU on 10/20/2012 with the DU 9.0 Release. Systems should continue tosend these income sources to DU as Other Income until this release.

Updated Field # 07A-090 (h. Discount(if Applicant will pay) with the following:- Updated the Data Stream name and replaced h. Discount (if Appicant will pay)with h. Discount

- Edited the Field Information guidance, Conventional: Enter the total amount of discount pointscharged. Fannie Mae does not distinguish between Discount and Origination points.to Enter thetotal amount of discount points charged.and Conventional: Fannie Mae does not distinguishbetween Discount and Origination points.

- Deleted Field Information guidance, FHA/VA: This is the amount paid by the borrower.- Deleted Required guiance, (Borrower paid only)

Updated 08B-030 (Declaration Type Code) Field Information guidanceby changing:- Per 9.1 Nov 2013 release, to instruct DU to disregard deed-in-lieu of foreclosure and preforeclosure

sale in the credit data, use EDI code: 93. to To instruct DU to disregard deed-in-lieu offoreclosure, preforeclosure sale and foreclosure information in the credit data, use EDI code: 93.

Updated 08B-040 (Declaration Explanation) Field Information guidance and added:- Per 9.1.1 August 2014 update, to instruct DU to disregard the foreclosure information in the credit

data, enter:- Confirmed CR FC Incorrect*(Value overrides inaccurate foreclosure information)- Confirmed CR FC EC*(Value overrides foreclosure information due to extenuating circumstances)

Updated LNC-040 (Subject Property Type Code) with the following:- Updated Field Information and deleted value: 11 = MH Select- Updated Required guidance and added, Note: 11 is no longer valid

Updated PCH-070 (Repayment Type Code) Required conditionality guidance and revised from OnlyN is supported by DU. Per 9.1 Nov 2013 release, DU will no longer support value F2. to, Only Nis supported by DU.

Updated GOB-020 (FHA Section of the Acts Codes) Field Information guidance and added missingvalue of, 203(b)/251 = Basic Program, Purchase, Refis/ARM.

Updated LEA-020 (FHA Lender Identifier) Field Information guidance and replaced, Required for FHAloans submitted to the FHA TOTAL Scorecard. If the loan type is FHA the FHA Lender Identifier is theoriginator making the U/W request. FHA will validate Lender ID.with Required if the loan type isFHA. The FHA Lender Identifier is the originator making the U/W request. Submitted to the FHATOTAL Scorecard. FHA will validate Lender ID." and "Only pass FHA Lender Identifier if you are aDirect Endorsement approved lender."

Updated LEA-030 (FHA Sponsor Identifier) Field Information guidance and replaced, "Required forFHA loans submitted to the FHA TOTAL Scorecard if the loan type is FHA, and the originator enteredin LEA-020 is not a Direct Endorsement approved lender. FHA will validate the Sponsor ID."with"Required if the loan type is FHA and the originator is not a Direct Endorsement approved lender.


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Date Change

Submitted to the FHA TOTAL Scorecard. FHA will validate the Sponsor ID."and "Pass both the FHASponsor ID (LEA-030) and the Sponsored EIN (LEA-040) if you are not a Direct Endorsementapproved lender."

Updated LEA-040 (Sponsored Originator EIN) Field Information guidance and added, Pass theSponsored EIN (LEA-040) and the FHA Sponsor Identifier (LEA-030) if you are not a Direct

Endorsement approved lender. Updated LMD-020 (Metropolitan Statistical Area or County) as follows:

- Updated the Data Stream title from Metropolitan Statistical Area or County toCounty- Changed Field Information guidance (MSA) A contiguous geographical area consisting of an urban

center city and its surrounding suburbsto Identifies the county in which the subject property islocated.

- Deleted Text must match the Metropolitan Statistical Area table provided by Fannie Mae. Updated Net Rental Income supplemental information and updated the government loan

explanation, For government loans, if you enter detailed amounts for any REO property in theCasefile, the Underwriting Engine will ignore any summary Net Rental Income Amounts entered insegment 05I. withFor government loans, the net rental amounts from the REO property is used inthe ratios and any summary Net Rental Income Amount entered in segment 05I is ignored.


12/68


1003 Version 3.2 Residential Loan Data File Format and Requirements

This table defines the loan origination data found on the Uniform Residential Loan Application (Fannie Mae Form1003 Version 3.2), and other data needed to specify conforming loans, government loans, and loans eligible forFannie Mae Community Lending. The data contained in the 1003 file is for a variety of business transactions, buthe information provided in this table is for underwriting and credit submissions.

How to Read the Data Format Tables

Each dataset in this section is in tabular format like this example:

Field # 1003

Form

Sect

Data Stream Pos Len Seg

Occ

Field Information

Required

000-010 000 1 3 S Record ID: File Identification

The column headings for these tables are defined as:

Field # This is the reference number for the field. These reference numbers are unique across all datasets.

Section This is the corresponding section number from the Uniform Residential Loan Application (form 1003).

Data Stream Contains the record layout of the data. An example of one datastream within the 1003 dataset isshown below.

00A-010 00A 1 3 S Record ID: Top of Form

00A-020 Top The income or

assets

4 1 Y Yes

N No

N

00A-030 Top The income orassets...

5 1 Y YesN No

N

End of record. Length=5

And the corresponding textual data file line:

00AYN

The datastream is a single line within a data file. The values within the line are:

The record ID: These three characters begin and identify the datastream. The first characters of the line must

appear as shown in the record ID line (shaded in the table above), for example 00A. Variable data, depending upon the casefile and Fannie Mae requirements. A (new line) character. The is the End of recordmarker if it consists of \r\n where \r is the C

language representation of ASCII value 13 (carriage return) and \n is the C language representation of ASCIIvalue 10 (line feed).

Pos This integer indicates the starting position of the field or record.

Len This integer indicates the length of the field or record. All the data formats are fixed length.


13/68


Seg Occ This single character indicates the multiplicity/occurrences valid for each segment. This character ispopulated in rows where the row is the segment header. The multiplicity values are:

S = Single Occurrence M = Multiple Occurrences SA = Single Occurrence per Applicant

Field Information Contains one or more of the following types of information about this field:

Textual notes about the field. Defined format for the field. This format must be one of the following types:

- Text. Field contains free-form text.- CCYYMMDD. Field contains a date, such as 19980415, meaning April 15, 1998.- CCYY. Field contains a year field that includes the century, such as 1998.- HH:MM. Field contains a time reference in Military terms, such as 13:21.- -ZZZZZZZZZZZ.ZZ. Field is a numeric field with leading zeros suppressed.- For these real values, no negative sign indicates a positive amount. The decimal point is a floating

decimal type used to specify the precision of a number. It can be positioned to contain more digits afterand fewer digits before its occurrence, as long as the total length of the field remains the same (excluding

the negative sign but including the decimal point). The maximum number of digits permitted after thedecimal is 6.

- Some examples of amounts include -556.42, 234000.00, and 8.525.- n. Field is a numeric field that can contain only digits. For example, a phone number is sent as

2027524341. A list of valid Fannie Mae and EDI Codes

Required Field Indicates if field is required for an underwriting or credit submission:

X Required for Desktop Underwriter(DU) and Desktop Originator(DO) underwriting submissions

G Required for government submissions

CL Required for community lending programs

Conditional Required if condition is met

Credit Required for Credit only requests

IRE Required field if record exists,

e.g., if 02E segment is included in 1003, 02E-020 is a required field

EC-Indicates a field is used by the EarlyCheckservice for one or more edits

X/EC-Indicates a field is required by the EarlyCheckservice


14/68


Residential Loan Data - Form 1003 Version 3.2 Data Format

Table RLF-1: Residential Loan Application Data Format

Field # 1003 Sect Data Stream Pos Len Seg

Occ

Field Information Required

EH-010 N/A EH 1 3 S Record ID: Envelope Header X, G, Credit, X/EC

EH-020 N/A Institution ID 4 6 Fannie Mae Defined Institution ID.

This field is required to resubmit

loans to the appropriate institution.

If not provided the default institution

for the userid will be used. If this

institution differs from the original

submission, an exception will

occur.

Highly Recommended

EH-030 N/A Institution Name 10 25 Text

User Supplied

EH-040 N/A Date 35 11 CCYYMMDD

EH-050 N/A Envelope Control Number 46 9 Text

User Supplied on Import.

System Generated on Export

End of record- EH Length=54

TH-010 N/A TH 1 3 S Record ID: Transaction Header X, G, Credit, X/EC

TH-020 N/A Transaction ID 4 11 T100099-002 X, G, Credit, X/EC

TH-030 N/A Transaction Control

Number

15 9 Text

User Supplied on Import.

System Generated on Export

X, G, Credit., X/EC

End of record- TH Length=23

TPI-010 N/A TPI 1 3 S Record ID: Transaction

Processing Info

X, G, Credit, X/EC

TPI-020 N/A Version ID 4 5 Version = 1.00 X, G, Credit, X/EC

TPI-030 N/A Identifier Type Code 9 2 Fannie Mae CasefileID = 01

Mandatory for import if field TPI-

050 = R

X, G, Credit

TPI-040 N/A Identifier 11 30 ID

Populated with Fannie Mae

Casefile ID if TPI-030 = 01

X/Conditional,

G/Conditional:

Required for resubmit:

TPI-050 = R

TPI-050 N/A Import Action Indicator 41 1 R = ResubmitN = New Import

X, G

End of Record, Length = 41

000-010 000 1 3 S Record ID: File Identification X, G, Credit, X/EC

000-020 File Type 4 3 1 = 1003 X, G, Credit., X/EC

000-030 File Version ID 7 5 File Version =3.20 X, G, Credit, X/EC

000-040 Export Version Indicator 12 1 Field use for Export only.

Version Indicator:

W = Working Copy



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Occ


00A-010 00A 1 3 S Record ID: Top of Form

00A-020 Top The income or assets of a

person other than the

borrower (including the

borrowers spouse) willbeused as a basis for loan

qualification.

4 1 Y Yes

N No

00A-030 Top The income or assets of

the borrowers spouse will

notbe used as a basis for

loan qualification, but

his/her liabilities must be

considered because the

borrower resides in a

community property state,

the security property is

located in a community

property state, or the

borrower is relying on

other property located in a

community property state

as a basis for repayment

of the loan.

5 1 Y Yes

N No


01A-010 I 01A 1 3 S Record ID: Mortgage Type and

Terms

X, G, Credit

01A-020 I Mortgage Applied For 4 2 EDI Data Element 1093:

01 = Conventional

02 = VA

03 = FHA

04 = USDA / Rural Housing

Service

07 = Other

Government Loans:

Code value must be 02 or 03 only.

Community Lending Loans:

Code value cannot be 02 or 03.

X, G

Government Loans:

Must send 02 for VA

or 03 for FHA.

X/EC:

EarlyCheck: Required

for DU Compare.

01A-030 I Mortgage Applied For

(Other)

6 80 Text

Specify value if field

#01A-020 is Other

NOT REQUIRED

01A-040 I Agency Case Number 86 30 Certificate number for the FHAinsurance or the VA guaranty of a

mortgage.

Text

Government Loans: If the loan

type is FHA, enter the appropriate

eleven-digit FHA case number in

this field.

Format: XXX-XXXXXXX

G/ConditionalThe Agency Case

number will be required

on at least the final

submission for the FHA

TOTAL Scorecard.


16/68



Occ


If the loan type is VA, enter the

appropriate VA case number in this

field.

01A-050 I Case Number 116 15 Alphanumeric

The lender or originator can specify

any alphanumeric loan identifier in

this field. Do not use special

characters: < ,>, &, , , %.

If not specified, the system will

default the field to Unassigned.

X/EC

01A-060 I Loan Amount 131 15 The base loan amount (without

upfront MIP or financed funding

fee).

ZZZZZZZZZZZZ.ZZ

X, G

EC

01A-070 I Interest Rate 146 7 The rate at which the mortgage is

amortized.

ZZZ.ZZZ

X, G

EC

01A-080 I No. of Months 153 3 Amortization Term

n

Per 9.1 Nov 2013 release, a value

greater than 360 will still be

accepted for import, but will cause

an Out of Scope recommendation.

X, G

EC

01A-090 I Amortization Type 156 2 EDI Data Element 1085:

01 = Adjustable Rate

04 = GEM

05 = Fixed Rate

06 = GPM13 = Other

X, G

Government Loans:

For VA and FHA valid

codes include 01 and

05.

EC

01A-100 I Amortization Type Other

Explanation

158 80 Text


#01A-090 is Other

NOT REQUIRED

01A-110 I ARM Textual Description 238 80 Text


#01A-090 is ARM

NOT REQUIRED


02A-010 02A 1 3 S Record ID: Property Information X, G

02A-020 II Property Street Address 4 50 The first and second lines of the

address of the subject property.

Text

Note: This may differ from the

mailing address of the property.

G/Conditional,

X/Conditional:

Not required for pre-

qualification;

Required for final

underwriting.

You must populate the

Unit Number (if

applicable) in the 02A-


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Occ


020 Property Street

Address.

(e.g. 19991 East

Eubank Street #250)

EC

02A-030 II Property City 54 35 The name of the municipality in

which the subject property is

located.

Text

G/Conditional

X/Conditional:


qualification;

Required for final

underwriting.

EC

02A-040 II Property State 89 2 The state, commonwealth or

territory in which the subject

property is located.

Text

X, G

Must be a valid State

Abbreviation

EC

02A-050 II Property Zip Code 91 5 n

A valid zip code/state combination

is required.

X/Conditional,

G/Conditional:

Conventional and VA:


qualification;

Required for final

underwriting.

Required for FHA loans;

zip code will be used to

derive the applicable

county loan limit

information.

EC

02A-060 II Property Zip Code Plus

Four

96 4 n EC

02A-070 II No. of Units 100 3 n

A number greater than one (1). If

greater than four (4), DU will return

an Out of Scope

recommendation.

X, G

EC

02A-080 II Legal Description of

Subject Property Code

103 2 EDI Data Element 1496:

F1 = Other

02 = Metes and Bounds

02A-090 II Legal Description ofSubject Property Text

105 80Text

02A-100 II Year Built 185 4 CCYY

Value must be less than or equal to

Current Year + 1.

EC


PAI-010 PAI 1 3 S Record ID: Property Address

Information

Segment is optional. If provided it

Not Required. All

systems should support

this segment to prevent

the loss of data when a


18/68



Occ


will be used instead of the single

address element (02A-020).

user imports/exports a

1003 file between

systems.

PAI-020 House Number 4 11 S Text X/Conditional,

G/Conditional

Required if 02A-020 is

not populated.

EC

PAI-030 Street Name 15 40 S Text

Contains pre-directional (e.g. N, S),

actual Street Name, Street Type

(e.g. Ave, Blvd), and post-

directional (e.g. NW, SE)

X/Conditional,

G/Conditional

Required if 02A-020 is

not populated.

EC

PAI-040 Unit Number 55 11 S Text

Does not contain Unit Type (e.g.

APT, UNIT, #)

X/Conditional,

G/Conditional

Required if applicable

and if 02A-020 is notpopulated.

EC


02B-010 02B 1 3 S Record ID: Purpose of Loan X, G

02B-020 Reserved for Future Use 4 2 Unused, pad with spaces

02B-030 II Purpose of Loan 6 2 Identifies the reason loan is

needed.

EDI Element 1081:

04 = Construction

05 = Refinance

13 = Construction-Perm15 = Other

16 = Purchase

X, G

Government Loans:

For VA or FHA valid

fields include 05 and 16.

For FHA Construction-

Perm loans, populate

16.

EC

02B-040

II Purpose of Loan (Other) 8 80 Text


#02B-030 is Other

NOT REQUIRED

02B-050 II Property will be 88 1 Identifies the type of residence of

the subject property.

EDI Element 1070:

1 = Primary Residence

2 = Secondary Residence

D = Investment Property

X, G

Government Loans:

For VA or FHA valid

Codes = 1.

EC

02B-060 II Manner in which Title will

be held

89 60 Text

02B-070 II Estate will be held in 149 1 Defines the property rights of the

owner.

Fannie Mae Property Rights

Codes:

1- Fee Simple

2 Leasehold

X


19/68



Occ


02B-080 II (Estate will be held in)

Leasehold expiration date

150 8 The expiration date of the

Leasehold, if applicable.

CCYYMMDD


02C-010 02C 1 3 M Record ID: Title Holder

02C-020 II Titleholder Name 4 60 Text


02D-010 02D 1 3 S Record ID: Construction or

Refinance Data

X/Conditional,

G/Conditional:

Conventional Loans:

Complete ONLY if

Purpose of Loan (field

#02B-030) is

Construction or

Refinance

Government Loans:

Construction loans are

not currently available.

Complete segment only

if purpose of loan is

Refinance.

02D-020 II Year Lot Acquired

(Construction) or Year

Acquired (Refinance)

4 4 Calendar year in which the site of

the home to be built was

purchased.

CCYY

02D-030 II Original Cost (Construction

or Refinance)

8 15 Original cost of acquiring the site

on which the home will be built.

ZZZZZZZZZZZZ.ZZ

02D-040 II Amount Existing Liens

(Construction or

Refinance)

23 15 Total amount of liens against the

site at the time of application for the

loan.

ZZZZZZZZZZZZ.ZZ

02D-050 II (a) Present Value of Lot 38 15 Market value of the site at the time

of application for the loan.

ZZZZZZZZZZZZ.ZZ

Specify value if field #02B-030 is

Construction

NOT REQUIRED

02D-060 II (b) Cost of Improvements 53 15 Total cost of improvements to be

made to the site.

ZZZZZZZZZZZZ.ZZ


#02B-030 is Construction

NOT REQUIRED


20/68



Occ


02D-070 II Purpose of Refinance 68 2 EDI Data Element 1082:

F1 = No Cash Out

01 = Cash-Out/Other

04 = Cash-Out/Home

Improvement

11 = Cash-Out/Debt Consolidation13 = Limited Cash-Out

X/Conditional,

G/Conditional:

Required if field 02B-

030 is 05 for

Refinance.

Conventional Loans:

F1 = No Cash-Out is

not supported by DU.

Conventional No Cash-

Out loans should be

submitted as a Limited

Cash-Out.

Government Loans:

F1 is a supported value.

EC

02D-080 II Describe Improvements 70 80 Text

Specify value if field #02D-070 is

Home Improvement

NOT REQUIRED

02D-090 II (Describe Improvements)

made/ to be made

150 1 Y = Made

N = To be made

U = Unknown

Specify value if field #02D-070 is

Home Improvement

NOT REQUIRED

02D-100 II (Describe Improvements)

Cost

151 15 Dollar amount of home

improvements associated with

property.

ZZZZZZZZZZZZ.ZZ


#02D-070 is Home Improvement

NOT REQUIRED


02E-010 02E 1 3 M Record ID: Down Payment

This record identifies the

source(s) of down payment,

NOT the amount of down

payment available or required.

Fannie Mae: Required for VA

Purchase loans. Required for FHA

loans when gift(s) is used as the

down payment source.

02E-020 II Down Payment Type

Code

4 2 A code identifying the source of a

down payment.

EDI Data Element 1083:

F1 = Checking/Savings

F2 = Deposit on Sales Contract

X/IRE

G/IRE


21/68



Occ


F3 = Equity Sold on Property

03 = Equity Pending from Sale

F4 = Equity Pending from Subject

Property

04 = Gift Funds

F5 = Stocks and bonds10 = Lot Equity

09 =Financing Secured by same

property

01 = Unsecured Borrowed Funds

F6 = Trust Funds

F7 = Retirement Funds

11 = Rent with option to purchase

F8 = Life insurance cash value

14 = Sale of Chattel

07 = Trade Equity

06 = Sweat Equity

02 = Cash on Hand

13 = Other

28 = Secured Borrowed Funds

H0 = FHA Gift Source N/A

H1 = FHA Gift Source Relative

H3 = FHA Gift Source

Government Assistance


Employer


Nonprofit/Religious/Communit

y Seller Funded


Nonprofit/Religious/Communit

y Non-Seller Funded

04and H0 should NOT be used

for FHA loans. Per HUD

guidelines, H4 is NOT supported

and will result in an Error message

or Ineligible recommendations.

Each source of down payment

should be passed as a 02E

segment to DU. Multiple

occurances of the 02E segment

can be passed.

Only one instance of a FHA Gift

Source and Amount is sent to the

FHA TOTAL Mortgage Scorecard.

Please refer to theDUG July 2012

Release Notes,page 4, for more

information. Users should refer to

the HUD guidelines to determine

the appropriate FHA Down

Payment Type Code to use.
https://www.fanniemae.com/content/release_notes/du-government-loans-release-notes-07212012.pdfhttps://www.fanniemae.com/content/release_notes/du-government-loans-release-notes-07212012.pdfhttps://www.fanniemae.com/content/release_notes/du-government-loans-release-notes-07212012.pdfhttps://www.fanniemae.com/content/release_notes/du-government-loans-release-notes-07212012.pdfhttps://www.fanniemae.com/content/release_notes/du-government-loans-release-notes-07212012.pdf


22/68



Occ


02E-030 II Down Payment Amount 6 15 The amount of funds for a down

payment from a single source.

ZZZZZZZZZZZZ.ZZ

For FHA loan submissions, thetotal sum of the amount(s) passed

in 02E-030 for the Down Payment

Type Codes: H1, H3, H5 and/or

H6, should equal the sum of all gift

assets listed in 06C.

G/IRE

02E-040 II Down Payment

Explanation

21 80 A brief comment, explaining the

source of the down payment item.

Text


03A-010 03A 1 3 SA Record ID: Applicant(s) Data X, G, Credit

03A-020 III Applicant / Co-Applicant

Indicator

4 2 A code that indicates if this

information is for the applicant orco-applicant.

BW = Applicant

QZ = Co-Applicant

X, G, Credit

X/EC


for DU Compare.

03A-030 III Applicant Social Security

Number

6 9 Unique number assigned by the

United States Social Security

Administration that identifies the

applicant.

n

X, G, Credit

X/EC


for DU Compare.

03A-040 III Applicant First Name 15 35 Text X, G, Credit

EC

03A-050 III Applicant Middle Name 50 35Text

03A-060 III Applicant Last Name 85 35 Text X, G, Credit

EC

03A-070 III Applicant Generation 120 4 Text

The name suffix of the borrower.

(E.g., JR, SR, II, III, IV or V)

X/Conditional:

Required if Applicable to

Casefile

03A-080 III Home Phone 124 10 n

03A-090 III Age 134 3 The age in years of the applicant

n

EC

03A-100 III Yrs. School 137 2 The number of years that the

applicant attended school.

Includes grades 1-12, as well as,

college

n

03A-110 III Marital Status 139 1 EDI Data Element 1067:

M = Married

S = Separated

U = Unmarried (Single, Divorced,

Widowed)


23/68



Occ


03A-120 III Dependents (no.) 140 2 The number of dependents of the

applicant.

n

G

Required for a VA loan

03A-130 III Completed Jointly/Not

Jointly

142 1 A code that indicates whether the

applicant /co-applicant completed

the application jointly with the

associated applicant/co-applicant.

Y = Yes

N = No

03A-140 III Cross-Reference Number 143 9 Social Security Number of

applicant /co-applicant whose

Assets/ Liabilities are reported

jointly.

n

X/EC


for DU Compare.

03A-150 III Date of Birth 152 8 Applicant data of birth

CCYYMMDD

X

EC

03A-160 III Email Address 160 80 Applicant email address


03B-010 03B 1 3 M Record ID: Dependents Age.

Specify if field 03A-120 is >0.

Number of occurrences must equal

value in Field 03A-120.

G/Conditional

03B-020 III Applicant Social Security

Number

4 9 Social Security Number of

applicant whose dependents age

is being entered.

n

G/IRE

03B-030 III Dependent's Age 13 3 Age of the dependent for the

applicant.

n

G/Conditional


03C-010 03C 1 3 M Record ID: Applicant(s) Address X, G, Credit

03C-020 III Applicant Social Security

Number

4 9 Social Security Number of

applicant whose address is being

entered.

n

X, G, Credit

03C-030 III (Present/Former) 13 2 F4 = Former Residence

ZG = Present Address

BH = Mailing Address

X, G, Credit

BH is not required. It

only appears if mailing

address is different from

Present address. A

borrower is limited to

one mailing address.

EC

03C-040 III Residence Street Address 15 50 The first and second lines of the

address of the residence property.

X/Conditional,

G/Conditional,

Credit/Conditional:


24/68



Occ


Text

Note: This may be different from

the mailing address of the property.

Required if field 03C-

030 is Present Address

EC

03C-050 III Residence City 65 35 The name of the municipality in

which the property is located.

Text

X/Conditional,

G/Conditional,

Credit/Conditional:



EC

03C-060 III Residence State 100 2 The state, commonwealth or

territory in which the property is

located.

Text

X/Conditional,

G/Conditional,

Credit/Conditional:



EC

03C-070 III Residence Zip Code 102 5 The mail zone of the property.

n

X/Conditional,G/Conditional,

Credit/Conditional:



EC

03C-080 III Residence Zip Code Plus

Four

107 4 The mail sub zone of the property.

n

EC

03C-090 III Own/Rent/Living Rent

Free

111 1 Identifies if the applicant is renting

this residence or if he owns it.


X = Living Rent FreeR = Rent

O = Own

03C-100 III No. Yrs. 112 2 n G

03C-110 III No. Months 114 2 n

Only 1 through 11 are valid.

G

03C-120 Country 116 50 Only applicable for Mailing

Address.

End of record. Length =165

04A-010 04A 1 3 SA Record ID: Primary Current

Employer(s)

X, G

Required if applicable to

casefile

04A-020 IV Applicant Social Security

Number

4 9 n X/IRE,G/IRE

04A-030 IV Employer Name 13 35 Text

04A-040 IV Employer Street Address 48 35 The first and second lines of the

address of the employer.

Text

Note: This may be different from

the mailing address of the property.


25/68



Occ


04A-050 IV Employer City 83 35 Text

04A-060 IV Employer State 118 2 Text

04A-070 IV Employer Zip Code 120 5 n

04A-080 IV Employer Zip Code Plus

Four

125 4 n

04A-090 IV Self Employed 129 1 An indication of whether or not the

applicant is/was self-employed

during the particular employment

period.

Y = Yes

N = No

X/IRE,

G/IRE

04A-100 IV Yrs. on this job 130 2 The number of complete years of

service to an employer from the

start of the employment until the

end of the employment period or if

the current position until the date of

the loan application.

n

X/IRE,

G/IRE

04A-110 IV Months on this job 132 2 The number of months beyond the

most recent completed full year of

employment the applicant is/has

been employed by the employer.

n

X/IRE,

G/IRE

04A-120 IV Yrs. employed in this line

of work/profession

134 2 The total number of years the

applicant has worked in the

industry or the position.

n

04A-130 IV Position / Title / Type ofBusiness

136 25 Text

04A-140 IV Business Phone 161 10 n


04B-010 04B 1 3 M Record ID: Secondary/Previous

Employer(s)

X /Conditional,

G/Conditional:

Required if Secondary

or Previous

Employment entered

04B-020 IV Applicant Social Security

Number

4 9 The social security number of the

applicant entered in the

Secondary/Previous Employer(s).

n

X/IRE,

G/IRE

04B-030 IV Employer Name 13 35 Text

04B-040 IV Employer Street Address 48 35 Text

04B-050 IV Employer City 83 35 Text

04B-060 IV Employer State 118 2 Text

04B-070 IV Employer Zip Code 120 5 n

04B-080 IV Employer Zip Code Plus

Four

125 4 n


26/68



Occ


04B-090 IV Self Employed 129 1 Y = Yes

N = No

G/Conditional

X/Conditional:

If Current Employment,

04B-100 = Y

04B-100 IV Current Employment Flag 130 1 Y = Current Employment

N = Previous Employment

X/IRE,

G/IRE

04B-110 IV From Date 131 8 CCYYMMDD X/IRE,

G/IRE

04B-120 IV To Date 139 8 CCYYMMDD

04B-130 IV Monthly Income 147 15 ZZZZZZZZZZZZ.ZZ

Current Secondary Employment

Income must also be combined

with primary income and entered in

field 05I-040.

04B-140 IV Position / Title / Type of

Business

162 25 Text

04B-150 IV Business Phone 187 10 n


05H-010 05H 1 3 M Record ID:

Present/Proposed Housing

Expense

Only for Applicants where the

Applicant/Co-Applicant Indicator =

Applicant (Field 03A-020 = BW).

Proposed Housing Expense

applicable for subject property only.

Conventional Loans: For

Second Homes/Investmentproperty transactions, you must

ensure that the borrowers total

monthly primary residence housing

expense including principal,

interest, hazard insurance, real

estate taxes, mortgage insurance

and HOA dues are entered as both

a housing expense AND included

as a liability. For more information,

refer to theDU Training Quick

Steps for Entering housing

expenses for second

homes/investment properties.

X, G

Required for Proposed

Housing Expense.

05H-020 V Applicant Social Security

Number

4 9 n X/IRE,G/IRE

EC

05H-030 V Present/Proposed

Indicator

13 1 A code that indicates whether the

housing expense is for the

applicant's current financial

situation or for the proposed

situation after purchase of the

home.

X/IRE,

G/IRE

EC
https://www.efanniemae.com/lc/technology/du/index.jsphttps://www.efanniemae.com/lc/technology/du/index.jsphttps://www.efanniemae.com/lc/technology/du/index.jsphttps://www.efanniemae.com/lc/technology/du/index.jsp


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1 = Present Housing Expense

2 = Proposed Housing Expense

05H-040 V Housing Payment Type

Code

14 2 EDI Data Element 1071:

25 = Rent

26 = First Mortgage P&I

22 = Other Financing P&I

01 = Hazard Insurance

14 = Real Estate Taxes

02 = Mortgage Insurance

06 = Homeowner Association

Dues

23 = Other

Fannie Mae: Ground Rent is not

supported. Send as Other (23).

Proposed Rent 05H-030=2 and

05H-040=Rent (25) is an

invalid combination and is not

supported by DU.

X/IRE,

G/IRE

EC

05H-050 V Housing Payment Amount

(Monthly Housing Exp.)

16 15 ZZZZZZZZZZZZ.ZZ X/IRE,

G/IRE

EC


05I-010 05I 1 3 M Record ID: Income G,X/Conditional:

Segment required for

each type of Income

1 record with Type of

Income Code = 33 (Net

Rental Income) required

if applicable and not

detailed in REO records(06G) with Net Rental

Income > 0.

05I-020 V Applicant Social Security

Number

4 9 n X/IRE,

G/IRE

EC

05I-030 V Type of Income Code 13 2 EDI Data Element 1186, each

income type can be used only

once per applicant:

F1 = Military Base Pay

07 = Military Rations Allowance

F2 = Military Flight Pay

F3 = Military Hazard Pay

02 = Military Clothes Allowance

04 = Military Quarters Allowance

03 = Military Prop Pay

F4 = Military Overseas Pay

F5 = Military Combat Pay

F6 = Military Variable Housing

Allowance

F7 = Alimony/Child Support

Income

F8 = Notes Receivable/Installment

41 = Pension/Retirement Income

X/IRE,

G/IRE

EC


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Occ


42 = Social Security/Disability

Income

30 = Real Estate/Mortgage

Differential

F9 = Trust Income

M1 = Unemployment/PublicAssistance

M2 = Automobile/Expense

Account Income

M3 = Foster Care

M4 = VA Benefits (non-education)

45 = Other Income

20 = Base Employment Income

09 = Overtime

08 = Bonuses

10 = Commissions

17 = Dividends/Interest

SI = Subject Property Net Cash

Flow

33 = Net Rental Income **

BI = Boarder Income

MC = Mortgage Credit Certificate

(MCC)

CG = Capital Gains*

EA = Employment Related Assets*

FI = Foreign Income*

RP = Royalty Payment*

SE = Seasonal Income*

TL = Temporary Leave*

TI = Tip Income*

*New income values are only

supported by DU and should not

be sent for FHA or VA loans.

**Net Rental Income can be

entered in the Income or REO

segment. Please review the

information on page 65, Net Rental

Income.

05I-040 V Income Amount (Monthly

Income)

15 15 ZZZZZZZZZZZ.ZZ

All primary and secondary

employment income must be

combined and entered as a total in

this field. A negative value is valid.

X/IRE,

G/IRE

EC

End of record. Length=2906A-010 06A 1 3 M Record ID: For all asset types,

enter data in the 06C assets

segment.

Do not use. Record

data in 06C.

06A-020 VI Applicant Social Security

Number

4 9 n Do not use. Record

data in 06C.

06A-030 VI Cash deposit toward

purchase held by

13 35 Text Do not use. Record

data in 06C.


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Occ


06A-040 VI Cash or Market Value 48 15 ZZZZZZZZZZZZ.ZZ

This value must also be entered in

segment 07B as: 'Other Credits'

Do not use. Record

data in 06C.


06B-010 06B 1 3 M Record ID: Life Insurance

06B-020 VI Applicant Social Security

Number

4 9 n

06B-030 VI Acct. no. 13 30 Text

06B-040 VI Life Insurance Cash or

Market Value

43 15 The applicant reported amount of

U.S. dollars to be received if the

asset were sold at time of

transaction.

ZZZZZZZZZZZZ.ZZ

06B-050 VI Life insurance Face

Amount

58 15 The amount the insurer will pay in

the event of the death of the

applicant.

ZZZZZZZZZZZZ.ZZ


06C-010 06C 1 3 M Record ID: Assets G,

X/Conditional

06C-020 VI Applicant Social Security

Number

4 9 n X/IRE,

G/IRE

06C-030 VI Account/Asset Type 13 3 A code uniquely identifying a

category or class of items that have

value in the market considered

when determining the net worth of

the Applicant.


03 = Checking Account

F1 = Cash Deposit on Sales

Contract

SG = Savings Account

F2 = Gift

01 = Certificate of Deposit

F3 = Money Market Fund

F4 = Mutual Funds

05 = Stock

06 = Bond

F5 = Secured Borrowed Funds

F7 = Bridge Loan

08 = Retirement Funds

F8 = Net Worth of Business

Owned

11 = Trust Funds

M1 = Other Non-Liquid Asset

OL = Other Liquid Asset

NE = Net Equity

COH = Cash On Hand

GE = Gift of Equity

X/IRE,

G/IRE


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Occ


manufacturer introduced the

version of the model for sale to the

general public.

CCYY

06D-050 VI Cash or Market Value 47 15 Applicant reported amount of U.S.

dollars to be received if the asset

was sold at the time of transaction.

ZZZZZZZZZZZZ.ZZ


06F-010 06F 1 3 M Record ID: Alimony, Child

Support/ Separate Maintenance

and/or Job Related Expense(s)

X/Conditional

G/Conditional:

Required if Alimony,

Child Support/

Maintenance and/or Job

Related Expense(s)

exist.

06F-020 VI Applicant Social SecurityNumber

4 9 n X/IRE,G/IRE

EC

06F-030 VI Expense Type Code 13 3 EDI Data Element:

DR = Alimony

DT = Child Support

DV = Separate Maintenance

Payment

DZ = Job Related Expense

EE = Other Expense Type

X/IRE,

G/IRE

EC

06F-040 VI Monthly Payment Amount 16 15 Dollar amounts which must be paid

monthly to pay down the liability

and keep the account current.

ZZZZZZZZZZZZ.ZZ

X/IRE,

G/IRE

EC

06F-050 VI Months Left to Pay 31 3 Number of months the applicant

must continue to make monthly

payments to fully and satisfactorily

pay off the liability.

n

06F-060 VI Alimony/ Child Support/

Separate Maintenance

Owed To

34 60 Identifies to whom Alimony/ Child

Support/ Separate Maintenance is

owed.

Text

Specify value if field #O6F-030 is

Child Support/ Alimony not

required


06G-010 06G 1 3 M Record ID: Real Estate Owned X/Conditional,

G/Conditional:

Required if Real Estate

Owned


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Occ


06G-020 VI Applicant Social Security

Number4 9 n

Note :The SSN associated to a

property in the REO section must

match the SSN of the account

owner of the liability matched tothat property

X/IRE,

G/IRE

EC

06G-030 VI Property Street Address 13 35 First and second lines of the

address of the property.

Text

06G-040 VI Property City 48 35 Text

06G-050 VI Property State 83 2 Text

06G-060 VI Property Zip Code 85 5 n EC

06G-070 VI Property Zip Code Plus

Four

90 4 n EC

06G-080 VI Property Disposition 94 1 Code indicating the property's

future use.


S = Sold

H = Retained

P = Pending Sale

R = Rental

X/IRE,

G/IRE

EC

06G-090 VI Type of Property 95 2 EDI Data Element 1074:

14 = Single Family

04 = Condominium

16 = Townhouse

13 = Co-operative

15 = Two-to-four unit property

18 = Multifamily (more than 4 units)

08 = Manufactured/Mobile Home02 = Commercial Non-

Residential

F1 = Mixed Use Residential

05 = Farm

03 = Home and Business

Combined

07 = Land

06G-100 VI Present Market Value 97 15 Value of the property if it were sold

today.

ZZZZZZZZZZZZ.ZZ

G/IRE

06G-110 VI Amount of Mortgages &

Liens

112 15 Applicant reported total amount of

all remaining mortgages and liens

against the property.

ZZZZZZZZZZZZ.ZZ

X/IRE,

G/IRE

06G-120 VI Gross Rental Income 127 15 Amount of revenue generated by

the property from rent on a monthly

basis.

ZZZZZZZZZZZZ.ZZ

X/Conditional,

G/Conditional:

Specify if filed 06G-080

is Rental (R)

EC


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Occ


06G-130 VI Mortgage Payments 142 15 Total monthly payment made on

outstanding mortgages and liens

against the property.

ZZZZZZZZZZZZ.ZZ

X/Conditional,

G/Conditional:

Specify if field 06G-110

greater than 0

EC

06G-140 VI Insurance, Maintenance

Taxes & Misc.

157 15 Monthly expense on the property

for property taxes, maintenance

and insurance.

ZZZZZZZZZZZZ.ZZ

X/IRE

EC

06G-150 VI Net Rental Income 172 15 The amount of the rental income

that is net of mortgage payments,

insurance, maintenance, taxes,

and miscellaneous property

expenses. If this field is not

populated, then Desktop

Underwriter will calculate it based

on a vacancy factor. If the number

is positive, it will be added to the

qualifying income; if it is negative, it

will be considered a liability and

included in the total expense ratio

calculation.

-ZZZZZZZZZZZ.ZZ

Net rental calculation is:

(gross rental x .75)- P&I -

Maintenance

**Net Rental Income can be

entered in the Income or REOsegment. Please review the

information on page 60, Net Rental

Income.

G/IRE

EC

06G-160 VI Current Residence

Indicator

187 1 Indicates whether the applicant

currently resides at the Real Estate

Owned.

Y = Current Residence

N = Not Current Residence

X/IRE,

G/IRE

EC

06G-170 VI Subject Property Indicator 188 1 Indicates whether the REO is the

property which will secure the loan

applied for.

Y = YesN = No

X/IRE,

G/IRE

EC

06G-180 VI REO Asset ID 189 2 Starting with the value of 1,

increment for each 06G record

created. No Duplicates.

Note: May not be sequential on

export.

X/IRE,

G/IRE

EC

06G-190 Reserved for Future Use 191 15 Unused, pad with spaces



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Occ


06H-010 06H 1 3 M Record ID: Alias

Borrower or Co-Borrower cannot

have duplicate aliases.

06H-020 VI Applicant Social Security

Number

4 9 n X/IRE

06H-030 VI Alternate First Name 13 35 Another first name that the

applicant may have used

previously.

Text

06H-040 VI Alternate Middle Name 48 35 Another middle name that the


previously.

Text

06H-050 VI Alternate Last Name 83 35 Another last name that the


previously; This must be present ifthe applicant has received credit

under any other name.

Text

06H-060 VI Unused 118 35 Unused, pad with spaces

06H-070 VI Unused 153 30 Unused, pad with spaces


06L-010 06L 1 3 M Record ID: Liabilities X/IRE,

G/IRE

Note: Liabilities can be

auto-populated from the

credit report.

06L-020 VI Applicant Social Security

Number

4 9 The social security number of theapplicant entered in the Liabilities

segment.

n

Note :The SSN of the account

owner of a mortgage/HELOC

liability must match the SSN

associated to the corresponding

property in the REO section.

X/IRE,G/IRE

EC

06L-030 VI Liability Type 13 2 A code uniquely identifying a

category or class of debts.


I = Installment Loan

O = 30 Day Charge Account

(open)

R = Revolving Charge Account

C = HELOC

M = Mortgage

F = Lease Payments

N = Liens

A = Taxes

Z = Other Liability

X/IRE,

G/IRE

EC


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Occ


HELOC and Mortgages must be

differentiated.

06L-040 VI Creditor Name 15 35 Text

06L-050 VI Creditor Street Address 50 35Text

06L-060 VI Creditor City 85 35 Text

06L-070 VI Creditor State 120 2 Text

06L-080 VI Creditor Zip Code 122 5 n

06L-090 VI Creditor Zip Code Plus

Four

127 4 n

06L-100 VI Acct. no. 131 30 Text

06L-110 VI Monthly Payment Amount 161 15 The dollar amounts, which must be

paid monthly by the applicant, to

pay down the liability and keep the

account current.

ZZZZZZZZZZZZ.ZZ.

X/IRE,

G/IRE

EC

06L-120 VI Months Left to Pay 176 3 The number of months theapplicant must continue to make

monthly payments to fully and

satisfactorily pay off the liability.

n

EC

06L-130 VI Unpaid Balance 179 15 The unpaid balance of the liability

at the time the loan application was

completed.

ZZZZZZZZZZZZ.ZZ

X/IRE,

G/IRE

EC

06L-140 VI Liability will be paid prior to

closing

194 1 A code indicating whether the

liability will be paid off at or before

closing.

Y = Yes

N = No

EC

06L-150 VI REO Asset ID 195 2 n

This value must match to the

corresponding value of field #06G-

180.

X/Conditional:

Required if 06L-030 is

Home Equity Line or

Credit of Mortgage

EC

06L-160 Resubordinated Indicator 197 1 Indicates whether the liability will

be re-subordinated to the loan after

closing.

Y = YesN = No

EC

06L-170 Omitted Indicator 198 1 Indicates whether a liability listed

on the credit report should be

omitted from the liabilities

calculation because of duplication

or misrepresentation.

Y = Yes

N = No

EC


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Occ


06L-180 VI Subject Property Indicator 199 1 Indicates whether the liability is

associated with the subject

property and is required to be

either paid off or re-subordinated.

Y = YesN = No

EC

06L-190 VI Rental Property Indicator 200 1 Indicates whether the liability is

associated with a rental property

and the monthly payment is

already included in the calculation

of the net rental income.

Y = Yes

N = No

EC

End of record, Length = 200

06S-010 06S 1 3 M Record ID: Undrawn HELOC

and IPCs

X/Conditional,

G/Conditional:

Required IF anUndrawn HELOC is

associated with the

subject property.

06S-020 VI Applicant Social Security

Number

4 9 n X/IRE

G/IRE

06S-030 VI Summary Amount Type

Code

13 3 A code identifying an Undrawn

HELOC and/or IPCs.

HMB = Undrawn HELOC

Amount

SCA = IPCs: Excess Financing

Concessions or Sales

Concessions Amount

See Fannie Mae and EDI Code

Conversions Table for Element

522.

X/IRE

G/IRE

06S-040 VI Amount 16 15 ZZZZZZZZZZZZ.ZZ

For HMB (Undrawn HELOC

Amount) the amount is related to

the subject property

and should only be entered

once. If the primary borrower

and co-borrower

are borrowers for the same

HELOC, it should only appearonce for the primary borrower. If

there are multiple undrawn

HELOC amounts, the sum of all

HELOCs should appear once

under the primary borrower.

X/IRE

G/IRE


07A-010 07A 1 3 S Record ID: Details of Transaction X, G


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Occ


07A-020 VII a. Purchase price 4 15 The amount of money that the

property will be purchased for.

ZZZZZZZZZZZZ.ZZ

X/Conditional,

G/Conditional:

Required if Purpose of

Loan 02B-030 = 16

Purchase

EC

07A-030 VII b. Alterations,

improvements, repairs

19 15 The cost of any alterations,

improvements, and repairs on the

property.

ZZZZZZZZZZZZ.ZZ

X/Conditional,

G/Conditional:


Casefile

EC

07A-040 VII c. Land 34 15 The cost of the land for the

property; This will only be collected

if the land was acquired separately

from the property.

ZZZZZZZZZZZZ.ZZ

X/Conditional,

G/Conditional:


Casefile

EC

07A-050 VII d. Refinance (Inc. debts to

be paid off)

49 15 The cost to the applicant that is

associated with refinancing a

mortgage loan on a property.

ZZZZZZZZZZZZ.ZZ

X/Conditional,

G/Conditional:

Required if Purpose of

Loan 02B-030 = 05

(Refinance)

EC

07A-060 VII e. Estimated prepaid items 64 15 ZZZZZZZZZZZZ.ZZ

Conventional: Enter the total

amount of Pre-Paid expenses

charged. If any of this is to be paid

by the seller, include that amount in

07A-110. If any of this is to be paidby the lender, include that amount

in 07B-030.

FHA/VA: This is the amount paid

by the borrower. This amount

cannot be less than $0.00.

X/Conditional,

G/Conditional:


Casefile

07A-070 VII f. Estimated closing costs 79 15 ZZZZZZZZZZZZ.ZZ

Conventional: Enter the total

amount of the Closing Costs. If

any of this is to be paid by the

seller, include that amount in 07A-

110. If any of this is to be paid by

the lender, include that amount in07B-030.

FHA/VA: Enter the total allowable

Closing Costs.

X/Conditional,

G/Conditional:

Required

Documents

Residential Loan Data 1003 Integration Guide 1003 1001