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