residential loan data format 1003, version...

General Distribution Version

Residential Loan Data Format 1003

Version 3.2Integration Guide

March 17, 2005

Document Revisions

Date Change 3/17/2005 Removed Confidential and Proprietary Information

Residential Loan Data

Integration Guide RLD-2

Table of Contents

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

1003 VERSION 3.2 RESIDENTIAL LOAN DATA FILE FORMAT........................................................3 HOW TO READ THE DATA FORMAT TABLES ................................................................................................3 RESIDENTIAL LOAN DATA - FORM 1003 VERSION 3.2 DATA FORMAT ....................................................5 ADDITIONAL CASE DATA...............................................................................................................................42 LOAN PRODUCT DATA ...................................................................................................................................43 GOVERNMENT LOAN TRANSACTION DATA DICTIONARY ........................................................................45 COMMUNITY LENDING DATA DICTIONARY................................................................................................47



1003 Version 3.2 Residential Loan Data File Format

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

This document does NOT include the data requirements for Fannie Mae underwriting submissions.

How to Read the Data Format Tables

Each dataset in this section is presented 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 # – The reference number for the field. These reference numbers are unique across all datasets.

Section – 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 is shown 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 or assets...

5 1 Y Yes N No

N

<N/L> 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: three characters that 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 <N/L> (new line) character. The <N/L> is the end of record marker 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 ASCII value 10 (line feed).



Pos – This is an integer that indicates the starting position of the field or record.

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

Seg Occ – This is a single character that indicates the multiplicity requirements for the segment. The character appears only in rows where the row is the segment header. The multiplicity values are defined as:

• 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 that is used to specify the precision of a number. It can be positioned to contain more digits after and 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 the decimal 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



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

EH-010 N/A ‘EH ‘ 1 3 S Record ID - Envelope Header EH-020 N/A Institution ID 4 6 Fannie Mae Defined Institution ID 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 <N/L> End of Record - EH Length=54 TH-010 N/A ‘TH ‘ 1 3 S Record ID – Transaction Header TH-020 N/A Transaction ID 4 11 T100099-002 TH-030 N/A Transaction Control Number 15 9 Text - User Supplied on Import,

System Generated on Export <N/L> End of Record - TH Length=23 TPI-010 N/A TPI 1 3 S Record ID – Transaction Processing

Info TPI-020 N/A Version ID 4 5 Version = 1.00 TPI-030

N/A Identifier Type Code 9 2 Fannie Mae CasefileID = 01 Mandatory for import if field TPI-050 = “R”

TPI-040

N/A Identifier 11 30 ID (Fannie Mae Casefile ID if TPI-030 = 01)

TPI-050

N/A Import Action Indicator 41 1 R = Resubmit N = New Import

<N/L> End of Record, Length = 41 000-010 000 1 3 S Record ID: File Identification 000-020 File Type 4 3 1 = 1003 000-030 File Version ID 7 5 File Version =3.20 000-040

Export Version Indicator 12 1 This field is used on Export only. Version Indicator: W = Working Copy

<N/L> End of record. Length=12 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 Applicant's spouse).

4 1 Y Yes N No

00A-030 Top The income or assets of the Applicant's spouse will not be used as a basis for...

5 1 Y Yes N No


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



Field # 1003 Sect Data Stream Pos Len Seg Occ

Field Information

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

01A-030 I Mortgage Applied For (Other)

6 80 Text

01A-040 I Agency Case Number 86 30 Text Government Loans: If the loan type is FHA, enter the appropriate eleven-digit FHA case number in this field. Format: XXX-XXXXXXX

01A-050 I Case Number 116 15 Alphanumeric The lender or originator can specify any alphanumeric loan identifier in this field. Do not use XML special characters: <,>,&, ‘, “, %. If not specified, the system will default the field to “Unassigned”.

01A-060 I Loan Amount 131 15 ZZZZZZZZZZZZ.ZZ The base loan amount.

01A-070 I Interest Rate 146 7 ZZZ.ZZZ 01A-080 I No. of Months 153 3 n

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

01 = Adjustable Rate 04 = GEM 05 = Fixed Rate 06 = GPM 13 = Other

01A-100 I Amortization Type Other Explanation

158 80 Text Specify value if field #01A-090 is Other NOT REQUIRED

01A-110 I ARM Textual Description 238 80 Text Specify value if field #01A-090 is ARM NOT REQUIRED

<N/L> End of record. Length=317 02A-010 02A 1 3 S Record ID: Property Information 02A-020 II Property Street Address 4 50 Text 02A-030 II Property City 54 35 Text 02A-040 II Property State 89 2 Text 02A-050 II Property Zip Code 91 5 N

A valid zip code/state combination is required.

02A-060 II Property Zip Code Plus Four 96 4 N 02A-070 II No. of Units 100 3 n; cannot exceed 4




Field Information

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 of Subject Property – Text

105 80 Text

02A-100 II Year Built 185 4 CCYY Value must be less than or equal to Current Year + 1.

<N/L> End of record. Length=188 PAI-010 PAI 1 3 S Record ID: Property Address

Information Segment is optional. If provided it will be used instead of the single address element (02A-020).

PAI-020 House Number 4 11 S Text

PAI-030 Street Name 15 40 S Text. Contains Predirectional (e.g. N, S), actual Street Name, Street Type (e.g. Ave, Blvd), and Postdirectional (e.g. NW, SE)

PAI-040 Unit Number 55 11 S Text – does not contain Unit Type (e.g. APT, UNIT, #)

<N/L> End of record. Length=65 02B-010 02B 1 3 S Record ID: Purpose of Loan 02B-020 Reserved for Future Use 4 2 Unused, pad with spaces 02B-030 II Purpose of Loan 6 2 EDI Element 1081:

04 = Construction 05 = Refinance 13 = Construction-Perm 15 = Other 16 = Purchase

02B-040 II Purpose of Loan (Other) 8 80 Text Specify value if field #02B-030 is Other NOT REQUIRED

02B-050 II Property will be 88 1 EDI Element 1070: 1 = Primary Residence 2 = Secondary Residence D = Investment Property

02B-060 II Manner in which Title will be held

89 60 Text

02B-070 II Estate will be held in 149 1 Fannie Mae Property Rights Codes: 1-Fee Simple 2 - Leasehold

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

150 8 CCYYMMDD

<N/L> End of record. Length=157 02C-010 02C 1 3 M Record ID: Title Holder 02C-020 II Titleholder Name 4 60 Text <N/L> End of record. Length=63




Field Information

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

02D-020 II Year Lot Acquired (Construction) or Year Acquired (Refinance)

4 4 CCYY

02D-030 II Original Cost (Construction or Refinance)

8 15 ZZZZZZZZZZZZ.ZZ

02D-040 II Amount Existing Liens (Construction or Refinance)


02D-050 II (a) Present Value of Lot 38 15 ZZZZZZZZZZZZ.ZZ Specify value if field #02B-030 is Construction NOT REQUIRED

02D-060 II (b) Cost of Improvements 53 15 ZZZZZZZZZZZZ.ZZ Specify value if field #02B-030 is Construction NOT REQUIRED

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 Consolidation 13 = Limited Cash-Out

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 ZZZZZZZZZZZZ.ZZ Specify value if field #02D-070 is Home Improvement NOT REQUIRED

<N/L> End of record. Length=165 02E-010 02E 1 3 M Record ID: Down Payment




Field Information

02E-020 II Down Payment Type Code 4 2 EDI Data Element 1083: F1 = Checking/Savings F2 = Deposit on Sales Contract F3 = Equity Sold on Property 03 = Equity Pending from Sale F4 = Equity Pending from Subject Property 04 = Gift Funds F5 = Stocks and bonds 10 = Lot Equity 09 = Bridge Loan 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

02E-030 II Down Payment Amount 6 15 ZZZZZZZZZZZZ.ZZ 02E-040 II Down Payment Explanation 21 80 Text <N/L> End of record. Length=100 03A-010 03A 1 3 SA Record ID: Applicant(s) Data 03A-020 III Applicant / Co-Applicant

Indicator 4 2 BW Applicant

QZ Co-Applicant 03A-030 III Applicant Social Security

Number 6 9 n

03A-040 III Applicant First Name 15 35 Text 03A-050 III Applicant Middle Name 50 35 Text 03A-060 III Applicant Last Name 85 35 Text 03A-070 III Applicant Generation 120 4 Text 03A-080 III Home Phone 124 10 n 03A-090 III Age 134 3 n 03A-100 III Yrs. School 137 2 n 03A-110 III Marital Status 139 1 EDI Data Element 1067:

M = Married S = Separated U = Unmarried (Single, Divorced, Widowed)

03A-120 III Dependents (no.) 140 2 n 03A-130 III Completed Jointly/Not Jointly 142 1 Y Yes

N No 03A-140 III Cross-Reference Number 143 9 N

Social Security Number of Applicant whose Assets/ Liabilities are reported jointly.

03A-150 III Date of Birth 152 8 CCYYMMDD 03A-160 III Email Address 160 80




Field Information

<N/L> End of record. Length=239 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.

03B-020 III Applicant Social Security Number

4 9 N

03B-030 III Dependent's Age 13 3 N <N/L> End of record. Length=15 03C-010 03C 1 3 M Record ID: Applicant(s) Address 03C-020 III Applicant Social Security

Number 4 9 N

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

ZG Present Address BH Mailing Address

03C-040 III Residence Street Address 15 50 Text

03C-050 III Residence City 65 35 Text

03C-060 III Residence State 100 2 Text

03C-070 III Residence Zip Code 102 5 N

03C-080 III Residence Zip Code Plus Four

107 4 N

03C-090 III Own/Rent/Living Rent Free 111 1 EDI Data Element 1078: X = Living Rent Free R = Rent O = Own

03C-100 III No. Yrs. 112 2 n 03C-110 III No. Months 114 2 n (1 through 11) 03C-120 Country 116 50 Only applicable for Mailing Address. <N/L> End of record. Length =165 04A-010 04A 1 3 SA Record ID: Primary Current

Employer(s) 04A-020 IV Applicant Social Security

Number 4 9 n

04A-030 IV Employer Name 13 35 Text 04A-040 IV Employer Street Address 48 35 Text 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 Y Yes

N No 04A-100 IV Yrs. on this job 130 2 n 04A-110 IV Months on this job 132 2 n 04A-120 IV Yrs. employed in this line of

work/profession 134 2 n




Field Information

04A-130 IV Position / Title / Type of Business

136 25 Text

04A-140 IV Business Phone 161 10 n <N/L> End of record. Length=170 04B-010 04B 1 3 M Record ID: Secondary/Previous

Employer(s) 04B-020 IV Applicant Social Security

Number 4 9 N

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

N No 04B-100 IV Current Employment Flag 130 1 Y=Current Employment

N=Previous Employment 04B-110 IV From Date 131 8 CCYYMMDD 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 <N/L> End of record. Length=196

05H-010 05H 1 3 M Record ID: Present/Proposed Housing Expense. Present Housing Expense applicable only for Applicants where the Applicant/Co-Applicant Indicator = Applicant (Field 03A-020 = BW). Proposed Housing Expense applicable for subject property only.

05H-020 V Applicant Social Security Number

4 9 n

05H-030 V

Present/Proposed Indicator 13 1 1 = Present Housing Expense 2 = Proposed Housing Expense




Field Information

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

05H-050 V Housing Payment Amount (Monthly Housing Exp.)


<N/L> End of record. Length=30 05I-010 05I 1 3 M Record ID: Income 05I-020 V Applicant Social Security

Number 4 9 n

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 42 = Social Security/Disability Income 30 = Real Estate/Mortgage Differential F9 = Trust Income M1 = Unemployment/Welfare Income 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) TC = Trailing Co-borrower Income




Field Information

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.

<N/L> End of record. Length=29 06A-010

06A 1 3 M Record ID: Cash Deposit on Sales Contract.

06A-020

VI Applicant Social Security Number

4 9 N

06A-030

VI Cash deposit toward purchase held by

13 35 Text

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

<N/L> End of record. Length=62 06B-010

06B 1 3 M Record ID: Life Insurance

06B-020


4 9 n

06B-030 VI Acct. no. 13 30 Text 06B-040

VI Life Insurance Cash or Market Value


06B-050

VI Life insurance Face Amount 58 15 ZZZZZZZZZZZZ.ZZ

<N/L> End of record. Length=72 06C-010 06C 1 3 M Record ID: Assets 06C-020 VI Applicant Social Security

Number 4 9 n

06C-030

VI Account/Asset Type 13 3 EDI Data Element 569: 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

06C-040

VI Depository/Stock/Bond Institution Name

16 35 Text Do not specify value if field #06C-030 is Other




Field Information

06C-050 VI Depository Street Address 51 35 Text Do not specify value if field #06C-030 is Other

06C-060 VI Depository City 86 35 Text Do not specify value if field #06C-030 is Other

06C-070 VI Depository State 121 2 Text Do not specify value if field #06C-030 is Other

06C-080 VI Depository Zip Code 123 5 N Do not specify value if field #06C-030 is Other

06C-090 VI Depository Zip Code Plus Four

128 4 N Do not specify value if field #06C-030 is Other

06C-100 VI Acct. no. 132 30 Text Do not specify value if field #06C-030 is Other

06C-110 VI Cash or Market Value 162 15 ZZZZZZZZZZZZ.ZZ 06C-120

VI Number of Stock/Bond Shares

177 7 N

06C-130 VI Asset Description 184 80 Text 06C-140 Reserved for Future Use 264 1 Unused, pad with space 06C-150 Reserved for Future Use 265 2 Unused, pad with spaces <N/L> End of record. Length=266 06D-010 06D 1 3 M Record ID: Automobile(s) 06D-020


4 9 N

06D-030 VI Automobile Make/ Model 13 30 Text 06D-040 VI Automobile Year 43 4 CCYY 06D-050 VI Cash or Market Value 47 15 ZZZZZZZZZZZZ.ZZ <N/L> End of record. Length=61 06F-010 06F 1 3 M Record ID: Alimony, Child Support/

Separate Maintenance and/or Job Related Expense(s)

06F-020 VI Applicant Social Security Number

4 9 n

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

06F-040

VI Monthly Payment Amount 16

15 ZZZZZZZZZZZZ.ZZ

06F-050 VI Months Left to Pay 31 3 n 06F-060 VI Alimony/ Child Support/

Separate Maintenance Owed To

34

60 Text

<N/L> End of record. Length=93 06G-010 06G 1 3 M Record ID: Real Estate Owned




Field Information

06G-020 VI Applicant Social Security Number

4 9 N

06G-030 VI Property Street Address 13 35 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 06G-070 VI Property Zip Code Plus Four 90 4 n 06G-080 VI Property Disposition 94 1 EDI Data Element 1075:

S = Sold H = Retained P = Pending Sale R = Rental

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 Home 02 = Commercial – Non-Residential F1 = Mixed Use – Residential 05 = Farm 03 = Home and Business Combined 07 = Land

06G-100 VI Present Market Value 97 15 ZZZZZZZZZZZZ.ZZ 06G-110 VI Amount of Mortgages &

Liens 112 15 ZZZZZZZZZZZZ.ZZ

06G-120 VI Gross Rental Income 127 15 ZZZZZZZZZZZZ.ZZ

06G-130 VI Mortgage Payments 142 15 ZZZZZZZZZZZZ.ZZ

06G-140 VI Insurance, Maintenance Taxes & Misc.


06G-150 VI Net Rental Income 172 15 -ZZZZZZZZZZZ.ZZ The net rental calculation is: (gross rental x .75) - P&I _ Maintenance.

06G-160 VI Current Residence Indicator 187 1 Y=Current Residence N=Not Current Residence

06G-170 VI Subject Property Indicator 188 1 Y=Yes N=No

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.

06G-190 Reserved for Future Use 191 15 Unused, pad with spaces <N/L> End of record. Length=205 06H-010 06H 1 3 M Record ID: Alias

Borrower or Co-Borrower cannot have duplicate aliases.




Field Information

06H-020 VI Applicant Social Security Number

4 9 N

06H-030 VI Alternate First Name 13 35 Text 06H-040 VI Alternate Middle Name 48 35 Text 06H-050 VI Alternate Last Name 83 35 Text 06H-060 VI Unused 118 35 Unused, pad with spaces 06H-070 VI Unused 153 30 Unused, pad with spaces <N/L> End of record. Length=182 06L-010 06L 1 3 M Record ID: Liabilities 06L-020 VI Applicant Social Security

Number 4 9 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.

06L-030 VI Liability Type 13 2 EDI Data Element 1189: 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 HELOC and Mortgages must be differentiated.

06L-040 VI Creditor Name 15 35 Text 06L-050 VI Creditor Street Address 50 35 Text 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 ZZZZZZZZZZZZ.ZZ 06L-120 VI Months Left to Pay 176 3 N 06L-130 VI Unpaid Balance 179 15 ZZZZZZZZZZZZ.ZZ 06L-140 VI Liability will be paid prior to

closing 194 1 Y Yes

N No 06L-150

VI REO Asset ID 195 2 n This value must match to the corresponding value of field #06G-180.

06L-160 Resubordinated Indicator 197 1 Y= Yes N= No

06L-170 Omitted Indicator 198 1 Y= Yes N= No

06L-180 VI Subject Property Indicator 199 1 Y= Yes N= No

06L-190 VI Rental Property Indicator 200 1 Y= Yes N= No




Field Information

<N/L> End of record, Length = 200 06S-010

06S 1 3 M Record ID: Summary Amounts for Income, Housing, Assets Government Loans: Summary values are not supported.

06S-020


4 9 n

06S-030

VI Summary Amount Type Code

13 3 See Fannie Mae and EDI Code Conversions Table for Element 522. Valid Values are: 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 HMB = Undrawn HELOC Amount

06S-040

VI Amount 16 15 ZZZZZZZZZZZZ.ZZ

<N/L> End of record. Length=30 07A-010 07A 1 3 S Record ID: Details of Transaction 07A-020 VII a. Purchase price 4 15 ZZZZZZZZZZZZ.ZZ 07A-030 VII b. Alterations, improvements,

repairs 19 15 ZZZZZZZZZZZZ.ZZ

07A-040 VII c. Land 34 15 ZZZZZZZZZZZZ.ZZ 07A-050 VII d. Refinance (Inc. debts to be

paid off) 49 15 ZZZZZZZZZZZZ.ZZ

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

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

07A-080 VII g. PMI MIP, Funding Fee 94 15 ZZZZZZZZZZZZ.ZZ Government Loans: If FHA, enter the Total Upfront MIP. If VA, enter the total funding fee as required by VA

07A-090 VII h. Discount (if Applicant will pay)


07A-100 VII j. Subordinate financing 124 15 ZZZZZZZZZZZZ.ZZ




Field Information

07A-110 VII k. Applicant's closing costs paid by Seller

139 15 ZZZZZZZZZZZZ.ZZ Government Loans: Do not include seller paid prepaid items.

07A-120 VII n. PMI, MIP, Funding Fee financed


<N/L> End of record. Length=168 07B-010 07B 1 3 M Record ID: Other Credits 07B-020

Other Credit Type Code 4 2 Fannie Mae data element Other Credit Type Code: 01 = Cash Deposit on sales contract 02 = Seller Credit 03 = Lender Credit 04 = Relocation Funds 05 = Employer Assisted Housing 06 = Lease Purchase Fund 07 = Other 08 = Borrower Paid Fees Note: Cash Deposit On Sales Contract amount must be included here as an 'Other Credit'. An other credit of type "01" must be entered if a cash deposit is listed in segment 6A, or in segment 6C as a type "F1" asset. To ensure accurate calculation of the Borrower Contribution Amount and to receive accurate findings, all Other Credit Types must be supported. Summarizing multiple values under the Credit Type “Other” may alter the calculation and findings FHA guidelines allow for some non-allowable closing costs that may be paid by the borrower but that may not be financed in the mortgage or included in the mortgage amount calculations. These include commitment fees, rate locks, etc. These types of fees should be entered as a negative value in other credits; they will not be included in Line F. The system will add these amounts to Line P, Cash From/To Borrower. This will ensure that the system correctly calculates the borrower’s required funds to close.

07B-030 VII Amount of Other Credit 6 15 ZZZZZZZZZZZZ.ZZ <N/L> End of record. Length=20




Field Information

08A-010 08A 1 3 SA Record ID: Declarations 08A-020 VIII Applicant Social Security

Number 4 9 n

08A-030 VIII a. Are there any outstanding

judgments against you? 13 1 Y Yes

N No 08A-040 VIII b. Have you been declared

bankrupt within the past 7 years?

14 1 Y Yes N No

08A-050 VIII c. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?

15 1 Y Yes N No

08A-060 VIII d. Are you a party to a lawsuit?

16 1 Y Yes N No

08A-070 VIII e. Have you directly or indirectly been obligated on any loan...

17 1 Y Yes N No

08A-080 VIII f. Are you presently delinquent or in default on any Federal debt...

18 1 Y Yes N No

08A-090 VIII g. Are you obligated to pay alimony child support or separate maintenance?

19 1 Y Yes N No

08A-100 VIII h. Is any part of the down payment borrowed?

20 1 Y Yes N No

08A-110 VIII i. Are you a co-maker or endorser on a note?

21 1 Y Yes N No

08A-120 VIII j. Are you a U.S. citizen? k. Are you a permanent resident alien?

22 2 EDI Data Element 1066: 01 = US Citizen 03 = Permanent Resident-Alien 05 = Non-Permanent Resident-Alien

08A-130 VIII l. Do you intend to occupy... 24 1 Y Yes N No U Unknown

08A-140 VIII m. Have you had an ownership interest...

25 1 Y Yes N No U Unknown Note: U is not valid for DO

08A-150 VIII m. (1) What type of property...

26 1 EDI Data Element 1070: 1 = Primary Residence 2 = Secondary Residence D = Investment Property If any of the ownership interests have been investment, specify ‘investment’ in this field. If none have been investment and any have been secondary residence, specify ‘secondary’ in this field.




Field Information

08A-160 VIII m. (2) How did you hold title...

27 2 EDI Data Element 1187: 01 = Sole (individual) 25 = Joint With Spouse 26 = Joint With Other Than Spouse Specify value if field 08A-140 is Y. If owned more than one property in last three years: if “jointly” and “not”, select “not.”


08B-010 08B 1 3 M Record ID: Declaration Explanations Specify if field #08A-030 to 08A-110 is Yes. NOT Required.

08B-020 VIII Applicant Social Security Number

4 9 n

08B-030 VIII Declaration Type Code 13 2 EDI Data Element 1321: 91 = Outstanding Judgments 92 = Declared Bankruptcy in past 7 years 93 = Foreclosure or deed in lieu in past 7 years, Direct/Indirect Foreclosed Property in the past 7 years 94 = Party to Lawsuit 95 = Obligated on a loan foreclosed, or deed in lieu of judgment 96 = Delinquency or Default 97 = Obligated to pay alimony, child support or maintenance, Alimony Child Support 98 = Part of down payment borrowed, Borrowed Down Payment 99 = Co-Maker or Endorser on a note

08B-040 VIII Declaration Explanation 15 255 Text <N/L> End of record. Length=269 09A-010 09A 1 3 SA Record ID: Acknowledgment and

Agreement 09A-020 IX Applicant Social Security

Number 4 9 n

09A-030 IX Signature Date 13 8 CCYYMMDD <N/L> End of record. Length=20 10A-010 10A 1 3 S Record ID: Information for

Government Monitoring Purposes. One occurrence per Applicant

10A-020 X Applicant Social Security Number

4 9 n

10A-030 X I do not wish to furnish this information

13 1 Y Yes N No




Field Information

10A-040 X Ethnicity 14 1 1108 Ethnicity Code: 1- Hispanic or Latino 2- Not Hispanic or Latino 3- Information not provided by

applicant in mail, internet or telephone application

4- Not applicable 10A-050 X Filler 15 30 10A-060 X Sex 45 1 F = Female

M = Male I = Information not provided by applicant in mail, internet or telephone application N = Not applicable

<N/L> End of record. Length=45 10B-010 10B 1 3 S Record ID: Interviewer Information

One Occurrence 10B-020 X This application was taken by 4 1 EDI Data Element 1079:

F = Face-to-Face M = Mail T = Telephone I = Internet

10B-030 X Interviewer's Name 5 60 Text 10B-040 X Interview Date 65 8 CCYYMMDD 10B-050 X Interviewer's Phone Number 73 10 N 10B-060 X Institution Name 83 35 Text 10B-070 X Institution Street Address 118 35 Text 10B-080 X Institution Street Address 2 153 35 Text 10B-090 X Institution City Address 188 35 Text 10B-100 X Institution State Code 223 2 Text 10B-110 X Institution Zip Code 225 5 n 10B-120 X Institution Zip Code Plus Four 230 4 n <N/L> End of record. Length=233 10R-010 10R 1 3 M Record ID: Information for

Government Monitoring Purposes – reporting on Multiple Race per Applicant

10R-020 X Applicant Social Security Number

4 9 N

10R-030 X Race 13 2 1107 Race Code: 1= American Indian or Alaska Native 2 = Asian 3 = Black or African American 4 = Native Hawaiian or Other Pacific

Islander 5 = White 6 = Information not provided by

applicant in mail, internet, or telephone application

7 = Not applicable <N/L> End of record. Length=14




Field Information

000-010 000 1 3 S Record ID: File Identification 000-020 File Type 4 3 70 = Additional Case Data 000-030 File Version ID 7 5 File Version =3.20

<N/L> End of record. Length=11 99B-010 FNM 99B 1 3 S Record ID – Fannie Mae Transmittal

Data 99B-020 FNM Seller Provided Below

Market Financing 4 1 Y = Yes

N = No Specify value if 1003 field #02B-030 is Purchase NOT REQUIRED

99B-030 FNM Owner of existing mortgage 5

2 Fannie Mae Owner of Existing Mortgage Codes: 01 = Fannie Mae 02 = Freddie Mac 03 = Seller/Other F1 = Unknown

99B-040 FNM Property Appraised Value 7 15 ZZZZZZZZZZZZ.ZZ

99B-050 FNM Buydown Rate 22 7 ZZZ.ZZZ 99B-060 FNM Actual vs. Estimated

Appraised Value Indicator 29 2 Fannie Mae Code:

01 = Actual 02 = Estimated

99B-070 FNM Appraisal Fieldwork Ordered 31 3 Fannie Mae Property Documentation Obtained Codes: 116 = Form 1004 appraisal with

interior/exterior 104 = Form 2055 appraisal with exterior only 107 = Form 2065 appraisal with exterior only 105 = Form 2055 appraisal with interior/exterior 103 = Form 2075 exterior inspection 110 = Form 2095 appraisal with

exterior only 109 = Form 2095 appraisal with

interior/exterior 114 = Form 1025 appraisal with

interior/exterior 120 = Prior appraisal used for the

transaction 102 = No appraisal/inspection obtained 130 = Form 26-1805, Certificate of

Reasonable Value for VA 131 = Form 26-8712, Manufactured

Home Appraisal Report for VA 125 = Other




Field Information

99B-080 FNM Appraiser Name 34 60 99B-090 FNM Appraiser Company 94 35 99B-100 FNM Appraiser License Number 129 15 99B-110 FNM Appraiser License State Code 144 2

<N/L> End of record. Length=145 ADS-010 ADS 1 3 M Record ID: Additional Data Segment ADS-020 Name 4 35 Text

ADS-030 Value 39 50 Text <N/L> End of record. Length= 88 SCA-010 Score SCA 1 3 M Record ID: Score

SCA-020 Score Score ID 4 3 Fannie Mae “Score ID”.:

001 = PMI Aura AQI Score 002 = GE IQ Score 003 = UGI Accuscore

SCA-030 Score Score 7 3 Score Value SCA-040 Score Score Date 10 8 CCYYMMDD

<N/L> End of record. Length=17 000-010 000 1 3 S Record ID: File Identification

000-020 File Type 4 3 11 = Product Data 000-030 File Version ID 7 5 File Version = 3.20 <N/L> End of record. Length=11 LNC-010 Loan

Characteristics

LNC 1 3 S Record ID- Loan Characteristics for Eligibility

LNC-020 Loan Lien Type Code

4 1 EDI Data Element 1101: 1 = First Mortgage 2 = Second Mortgage F = Other Mortgage




Field Information

LNC-030 Loan Loan Documentation Type Code

5 1 EDI Data Element 1103, Loan Documentation Type Code: A = Alternative (Non-traditional

documentation used to determine the credit worthiness of a borrower)

F = Full R = Reduced B = Streamlined Refinance C = No documentation D = No Ratio E = Limited Documentation U = No Income, No Employment and

No Assets on 1003 G = No Income and No Assets on 1003 H = No Assets on 1003 I = No Income and No Employment on

1003 J = No Income on 1003 K = No Verification of Stated Income,

Employment or Assets L = No Verification of Stated Income

or Assets M = No Verification of Stated Assets N = No Verification of Stated Income

or Employment O = No Verification of Stated Income P = Verbal Verification of

Employment Q = One paystub S = One paystub and VVOE T = One paystub and one W-2 and

VVOE or one yr 1040 LNC-040 Loan Subject Property Type Code 6 2 Fannie Mae Property Type Code:

01 = Detached 02 = Attached 03 = Condominium 04 = Planned Unit Development

(PUD) 05 = Co-Operative (Co-Op) 07 = High Rise Condo 08 = Manufactured Home 09 = Detached Condo 10 = Manufactured Home:

Condo/PUD/Co-Op LNC-050 Loan Reserved for future use 8 2 Unused, pad with spaces LNC-060 Loan Reserved for future use 10 2 Unused, pad with spaces LNC-070 Loan Reserved for future use 12 2 Unused, pad with spaces LNC-080 Loan Reserved for future use 14 2 Unused, pad with spaces




Field Information

LNC-090

Loan Project Classification Code 16

2 Fannie Project Classification Codes: 01 = A/III Condo 02 = B/II Condo 03 = C/I Condo 04 = E PUD 05 = F PUD 06 = III PUD 07 = 1 CO-OP 08 = 2 CO-OP

LNC-100 Loan Negative Amortization Limit Percent

18 7 ZZZ.ZZZ

LNC-110 Loan Balloon Indicator 25

1 Y = Yes N = No

LNC-120 Loan Filler 26 1 LNC-130 Loan Filler 27 1 LNC-140 Loan Homebuyer Education

Completion Indicator 28 1 N=No

Y=Yes LNC-150 Loan Maximum Lifetime Rate

Increase 29 7 ZZZ.ZZZ

LNC-160 Loan Payment Adjustment Life Percent Cap

36 7 ZZZ.ZZZ

LNC-170 Loan Payment Adjustment Life Amount Cap


LNC-180

Loan Will Escrow be Waived? 58 1 Y = Yes N = No

LNC-190 Loan

Scheduled Loan Closing Date 59 8 CCYYMMDD

LNC-200 Loan

Scheduled First Payment Date 67 8 CCYYMMDD

LNC-210 Loan MI Coverage Percent 75 7 ZZZ.ZZZ LNC-220 Loan

MI Insurer Code 82 3 Fannie “ MI Insurer Code”:

001 = GE Mortgage Insurance Corporation, GE 006 = Mortgage Guarantee Insurance Corporation, MGIC 011 = PMI Mortgage Insurance Company, PMI 012 = United Guarantee Residential Insurance Company, UG 013 = Republic Mortgage Insurance Company, RMIC 017 = Radian Guaranty Incorporated 024 = Triad Guarantee Residential Insurance Company, Triad 038 = CMG Mortgage Insurance Co., an affiliate of PMI (credit unions only),CMG




Field Information

LNC-230 Loan APR Spread 85 5 LNC-240 Loan HOEPA 90 1 Y-Loan is covered under act

N-Loan is not covered under act LNC-250 Loan PreApproval 91 1 Y-Pre-Approval loan

N-Not a Pre-Approval loan <N/L> End of record, Length =91 PID-010 Product PID 1 3 S Record ID-

Product Identification PID-020 Product Product Description 4 30 Text PID-030 Product Product Code 34 15 Identifier for the specific loan product.

Could be a DO Lender or Conduit product.

PID-040 Product Product Plan Number 49 5 Fannie Mae ARM Plan Number for Fannie Mae products. Fannie Mae Generic ARM plans: NGAM = Negative Amortization GEN06 = 6 Month GEN1A = 1 yr, 1% annual cap GEN1B = 1 yr, 2% annual cap GEN3 = 3 yr GEN5 = 5 yr GEN7 = 7 yr GEN10 = 10 yr FHAHY = FHA Hybrid ARM VAARM = VA Hybrid ARM Do not pad field with leading zeroes

<N/L> End of record. Length=53 PCH-010 Product

Characteristics

PCH 1 3 S Record ID – Product Characteristics

PCH-020 Product Characteristics

Mortgage Term 4 3 n(months )


Assumable Loan Indicator 7 1 N=No Y=Yes


Payment Frequency Code 8 2 Fannie Mae Payment Frequency Codes: 01 = Monthly 02 = Bi-weekly (Required if bi-weekly)


Prepayment Penalty Indicator 10 1 N=No Y=Yes


Prepayment Restricted Indicator

11 1 N = No Y = Yes




Field Information


Repayment Type Code 12 2 See Fannie Mae and EDI Code Conversions Table, EDI Data Element 1087: N = Fully Amortizing (No Negative Amortization) F1 = Scheduled Amortization F2 = Interest Only P = Possible Negative Amortization S = Scheduled Negative Amortization

<N/L> End of record. Length=13 ARM-010 ARM ARM 1 3 S Record ID – ARM ARM-020 ARM ARM Index Value 4 7 ZZZ.ZZZ

If Index Value is not populated default value will be used.

ARM-030 ARM Index Type (Index Name) 11 2

Fannie Mae Index Type: 0 = Weekly Average CMT 1 = Monthly Average CMT 2 = Weekly Average TAAI 3 = Weekly Average TAABD 4 = Weekly Average SMTI 5 = Daily CD Rate 6 = Weekly Average CD Rate 7 = Weekly Ave Prime Rate 8 = T-Bill Daily Value 9 = 11th District COF 10 = National Monthly Median Cost of

Funds 11 = Wall Street Journal LIBOR 12 = Fannie Mae LIBOR 13 = Freddie Mac LIBOR 14 = National Average Contract Rate

(FHLBB) 15 = Federal Cost of Funds 16 = Fannie Mae 60-Day Required Net

Yield 17 = Freddie Mac 60-Day Required Net

Yield ARM-040 ARM ARM Index Margin 13 7 ZZZ.ZZZ

If Index Margin is not populated default value will be used.

ARM-050 ARM ARM Qualifying Rate 20 7 ZZZ.ZZZ <N/L> End of record, Length = 26 PAJ-010 Payment

Adjustments PAJ 1 3 M Record ID-

Payment Adjustment Occurrences. This segment is not used by DU.

PAJ-020 Payment Adjustment

Payment Adjustment Period Number

4 4 N


Payment Adjustment Duration

8 3 n (Months) – Total Adjustment Period




Field Information


Payment Adjustment Frequency

11 3 n (Months) – Between Adjustments After First Adjustment


Payment Adjustment Type Code

14 1 1=Percent To Adjust Payment Amount 2=Percent To Adjust Payment Rate 3=Dollar Adjust To Payment Amount


Payment Adjustment Percent 15 7 ZZZ.ZZZ


Payment Adjustment Amount 22 15 ZZZZZZZZZZZZ.ZZ


Payment Adjustment Percent Cap

37 7 ZZZ.ZZZ Specify if field PAJ-050 = 1 or 2


Payment Adjustment Amount Cap

44 15 ZZZZZZZZZZZZ.ZZ Required if field PAJ-050 = 3


Months To First Payment Adjustment

59 3 n (Months)

<N/L> End of record, Length = 61 RAJ-010 Rate RAJ 1 3 M

Record ID- Rate Adjustment Occurrences, Specify if Field #01A-090 = 01 for ARM and if the ARM will have rate adjustments. NOT REQUIRED.

RAJ-020 Rate Adjustment

Rate Adjustment Period Number

4 4 N


Rate Adjustment Duration 8 3 n (Months) – Total Adjustment Period


Rate Adjustment Frequency 11 3 n (Months) – Between Adjustments After First Adjustment


Rate Adjustment Calculation Method Code

14 1 0 Add % to Current Rate 1 Add % to Original Rate 2 Index + Margin


Rate Adjustment Percent 15 7

ZZZ.ZZZ


Rate Adjustment Cap 22 7 ZZZ.ZZZ


Months To First Rate Adjustment

29 3 n (Months)

<N/L> End of record, Length = 31 BUA-010 Buydown BUA 1 3 S Record ID-

Buydown Data. BUA-020 Buydown Buydown Frequency 4 3 n (Months) BUA-030 Buydown Buydown Duration 7 3 n (Months) BUA-040 Buydown Increase Rate 10

7 -ZZ.ZZZ

BUA-050 Buydown Funding Code 17

1 Y = Yes N = No

BUA-060 Buydown Buydown Base Date Code 18

1 N Values: 0 = Note Date 1 = First Payment Date 2 = Last Payment Date

BUA-070 Buydown Buydown Type Indicator (Perm. Or Temp.)

19

1 0=Permanent 1=Temporary




Field Information

<N/L> End of record, Length = 19 000-010 000 1 3 S Record ID: File Identification 000-020 File Type 4 3 20 = Government Data 000-030 File Version ID 7 5 File Version = 3.20 <N/L> End of record. Length=11 IDA-010 Identification IDA 1 3 S Record ID-

Casefile Identification IDA-020 Identification Filler 4 23 Reserved for future use fill with blanks. <N/L> End of record. Length=26 LEA-010 Lender LEA 1 3 S Record ID-

Lender Data LEA-020 Lender FHA Lender Identifier 4 20 N

Government Loans: Required for FHA loans submitted to the FHA TOTAL Scorecard. If the loan type is FHA the FHA Lender Identifier is the originator making the U/W request. FHA will validate Lender ID.

LEA-030 Lender FHA Sponsor Identifier 24 20 N Government Loans : Required for FHA loans submitted to the FHA TOTAL Scorecard if the loan type is FHA, and the originator entered in LEA-020 is not a Direct Endorsement approved lender. FHA will validate the Sponsor ID.

LEA-040

Lender Filler 44 23 Reserved for future use, fill with blanks.


GOA-010 Government GOA 1 3 S Record ID: Both FHA/VA Loans

GOA-020 Government Energy Efficient New Home 4 1 Y Yes N No This field is not used for underwriting.

GOA-030 Government MCC 5 15 Mortgage Credit Certificate ZZZZZZZZZZZZ.ZZ

GOA-040 Government Seller Concessions 20 15 ZZZZZZZZZZZZ.ZZ GOA-050 Government Borrower Total Closing Costs

Fees 35 15 ZZZZZZZZZZZZ.ZZ

This field is no longer used for government underwriting.

GOA-060 Government Borrower Total Closing Costs Points (%)

50 7 ZZZ.ZZZ This field is no longer used for government underwriting.

GOA-070 Government Seller Total Closing Costs Fees

57 15 ZZZZZZZZZZZZ.ZZ This field is no longer used for government underwriting.

GOA-080 Government Seller Total Closing Costs Points (%)





Field Information

GOA-090 Government Other Total Closing Costs Fees

79 15 ZZZZZZZZZZZZ.ZZ This field is no longer used for government underwriting.

GOA-100 Government Other Total Closing Costs Points (%)


GOA-110 Government Type of Refinance 101 1 Fannie Mae Type of Refinance Code: 1 = Full Documentation (Conventional, FHA or VA), Full Documentation 2 = Streamline with Appraisal (Conventional and FHA only), Streamline with Appraisal 3 = Streamline without Appraisal (Conventional and FHA only), Streamline without Appraisal 4 = Interest Rate Reduction Refinance Loan

GOA-120 Government Property County 102 35 Text <N/L> End of Record. Length=136 GOB-010 Government GOB 1 3 S Record ID: FHA Loans Only GOB-020 Government Section of the Act 4 13 Text Field.

FHA Section of the Act Codes: 203(b) = Basic Program, Purchase, Refis 203(k) = Purchase, Rehab 203(k)/251 = Purchase, Rehab/ARM 234(c) = Condominium 234(c)/251 = Condominium/ARM

GOB-030 Government Allowable Repairs 17 15 This field is NOT used for underwriting.

GOB-040 Government MIP Upfront (%) 32 7 This field is NOT used for underwriting.

GOB-050 Government MIP Refund Amount 39 15 ZZZZZZZZZZZZ.ZZ GOB-060 Government First Renewal Rate (%) 54 7 This field is NOT used for

underwriting. GOB-070 Government Reserved for future use (First

Renewal Rate (Months)). 61 3 ZZZ

<N/L> End of Record. Length=63 GOC-010 Government GOC 1 3 S Record ID: VA Loans Only GOC-020 Government CoBorrower Married to

Primary Borrower 4 1 Y Yes

N No GOC-030 Government Entitlement Amount 5 15 ZZZZZZZZZZZZ.ZZ GOC-040 Government Monthly Maintenance 20 7 ZZZZ.ZZ GOC-050 Government Monthly Utilities 27 7 ZZZZ.ZZ GOC-060 Government Funding Fee (%) 34 7 This field is NOT used for

underwriting. <N/L> End of Record. Length=40 GOD-010 Government GOD 1 3 SA Record ID: VA Loans Only GOD-020 Government Applicant Social Security

Number 4 9 n




Field Information

GOD-030 Government Federal Tax 13 15 ZZZZZZZZZZZZ.ZZ

GOD-040 Government State Tax 28 15 ZZZZZZZZZZZZ.ZZ

GOD-050 Government Local Income Tax 43 15 ZZZZZZZZZZZZ.ZZ

GOD-060 Government Social Security Tax 58 15 ZZZZZZZZZZZZ.ZZ

GOD-070 Government Total Non-Taxable Income -- Primary

73 15 This field is NOT used for underwriting.

GOD-080 Government Total Non-Taxable Income -- Other


GOD-090 Government Total Taxable Income -- Primary


GOD-100 Government Total Taxable Income -- Other


<N/L> End of Record. Length=132 GOE-010 Government GOE 1 3 SA Record ID-Credit Data

Both FHA/VA Loans GOE-020 Government Applicant Social Security

Number 4 9 N

GOE-030 Government CAIVR # 13 10 Text GOE-040 Government Borrower Credit Rating 23 3 N

Export only - Fannie Mae supplied value

GOE-050 Government Bankruptcy < 3 years 26 3 n. Export only - Fannie Mae supplied value

GOE-060 Government Foreclosure 29 3 n. Export only - Fannie Mae supplied value

GOE-070 Government Credit Report Score Type 32 1 Fannie Mae Credit Report Score Type: F = FICO C = Credit Quote


000-010 000 1 3 S Record ID: File Identification 000-020 File Type 4 3 30 = Community Lending Data 000-030 File Version ID 7 5 File Version = 3.20 <N/L> End of record. Length=11 LMD-010 Comm

Lending LMD 1 3 S Record ID:

Community Lending Loans LMD-020 Comm

Lending Metropolitan Statistical Area or County

4 40 Text Text must match the Metropolitan Statistical Area table provided by Fannie Mae.

LMD-030 Comm Lending

Community Lending Product 44 2 Fannie Mae Code: 01 = Community Home Buyer Program 02 = Fannie 97 03 = Fannie 3/2 04 = MyCommunityMortgage™


Filler Space 46 38




Field Information


Fannie Neighbors Eligible 84 1 Y Yes N No


Community Seconds 85 1 Y Yes N No


HUD Median Income 86 15 ZZZZZZZZZZZZ.ZZ Not used for import. Based on the Metropolitan Statistical Area or County selected (LMD-020), this field will be automatically populated from the Fannie Mae knowledgebase during the import workflow, and will be included in the exported casefile.


Income Limit Adjustment Factors

101 15 ZZZZZZZZZZZZ.ZZ Based on the Metropolitan Statistical Area or County selected (LMD-020), this field will be automatically populated from the Fannie Mae knowledgebase during the import workflow, and will be included in the exported casefile. This field can be modified/overwritten by the user.


Community Lending Income Limit

116 15 ZZZZZZZZZZZZ.ZZ Not used for import. Automatically populated based on multiplying fields HUD Median Income (LMD-060) and Income Limit Adjustment Factors (LMD-070).

<N/L> End of record. Length=130 TT-010 Transaction

Trailer ‘TT ‘ 1 3 S Record ID – Transaction Trailer

TT-020 Transaction Trailer

Transaction Control Number 4 9 Text - User Supplied on Import - Must match Control Number in TH. System Generated on Export

<N/L> End of Record - TT Length=12 ET-010 Env. Trailer ‘ET ‘ 1 3 S Record ID - Envelope Trailer ET-020 Env. Trailer Envelope Control Number 4 9 Text - User Supplied on Import – Must

match Control Number in EH. System Generated on Export

<N/L> End of Record - ET Length=12



Residential Loan Data - Form 1003 Data Dictionary Data Element Name Description Transaction

Field # 01A Mortgage Type and Terms 01A-010 Mortgage Applied For EDI real estate loan type code. 01A-020 Mortgage Applied For (Other) Text explaining ‘Other’ 01A-030 Agency Case Number The certificate number for the FHA insurance or the VA guaranty of a mortgage. 01A-040 Case Number A number assigned to the casefile by the lender or originator. The system will assign this

number if not specified. 01A-050

Loan Amount The face value of a note at origination. The amount borrowed by the mortgagor. 01A-060 Interest Rate The rate at which the mortgage is amortized. 01A-070 No. of Months The number of months used to calculate the principle and interest payments. 01A-080 Amortization Type A code indicating the amortization type to be used to reduce the balance of the loan to

zero. 01A-090

Amortization Type Other Explanation A textual description of the amortization type of the loan, if it differs from codes available in “Amortization Type”.

01A-100

ARM Textual Description A textual description of the ARM plan, if the amortization type for the loan is ARM. 01A-110 02A Property Information 02A-010 Property Street Address The first and second lines of the address of the property. Note: This may be different

from the mailing address of the property. 02A-020

Property City The name of the municipality in which the property is located 02A-030 Property State The state, commonwealth or territory in which the property is located. 02A-040 Property Zip Code The mail zone of the property. 02A-050 Property Zip Code Plus Four The mail sub zone of the property. 02A-060 No. of Units The number of units that the property contains. 02A-070 Legal Description of Subject Property – Code

A code that identifies the legal description of the property. 02A-080

Legal Description of Subject Property – Text

Text that identifies the legal description of the property. 02A-090

Year Built The year the property was built. 02A-100 PAI Property Address Information PAI-010 House Number House Number PAI-020 Street Name Street Name Text. Contains Predirectional (e.g. N, S), actual Street Name, Street Type

(e.g. Ave, Blvd), and Postdirectional (e.g. NW, SE) PAI-030

Unit Number Unit Number Text – does not contain Unit Type (e.g. APT, UNIT, #) PAI-040 02B Purpose of Loan 02B-010 Purpose of Loan EDI code identifying the reason loan is needed. 02B-030 Purpose of Loan (Other) Text identifying the reason loan is needed if EDI code is “other”. 02B-040 Property will be EDI code identifying the type of residence of the subject property. 02B-050 Manner in which Title will be held Text describing how title will be held. 02B-060 Estate will be held in A Fannie Mae code which defines the property rights of the owner. See Fannie Mae and

EDI Code Conversions. 02B-070

(Estate will be held in) Leasehold expiration date

The expiration date of the Leasehold, if estate will be held in Leasehold. 02B-080

02C Title Holder 02C-010 Titleholder Name The name of the titleholder of the property. 02C-020 02D Construction to Permanent or Refinance Data 02D-010 Year Lot Acquired (Construction) or Year Acquired (Refinance)

The calendar year in which the site of the home to be built was purchased.

02D-020

Original Cost (Construction or Refinance) The original cost of acquiring the site on which the home will be built. 02D-030



Data Element Name Description Transaction Field #

Amount Existing Liens (Construction or Refinance)

The total amount of liens against the site at the time of application for a loan. 02D-040

(a) Present Value of Lot The market value of the site at the time of application for the loan. 02D-050 (b) Cost of Improvements The total cost of improvements to be made to the site. 02D-060 Purpose of Refinance Use of proceeds from Refi or type of Refi. See EDI Code 1082. 02D-070 Describe Improvements A textual description of completed improvements or planned improvements 02D-080 (Describe Improvements) made/ to be made

An indicator that identifies if the improvements have been made to the property or if they are planned.

02D-090

(Describe Improvements) Cost The dollar amount of the home improvements associated with the property. 02D-100 02E Down Payment 02E-010 Down Payment Type Code A code identifying the source of a down payment. 02E-020 Down Payment Amount The amount of funds for a down payment from a single source. 02E-030 Down Payment Explanation A brief comment, explaining the source of the down payment item. 02E-040 03A Applicant(s) Data 03A-010 Applicant/Co-Applicant Indicator A code that indicates if this information is for the applicant or the co-applicant. 03A-020 Applicant Social Security Number A unique number assigned by the Unites States Social Security Administration to

identify the applicant. 03A-030

Applicant First Name The first name of the applicant. 03A-040 Applicant Middle Name The middle name of the applicant. 03A-050 Applicant Last Name The last name of the applicant. 03A-060 Applicant Generation The generation of the applicant. 03A-070 Home Phone The home phone number of the applicant/co-applicant. 03A-080 Age The age in years of the applicant. 03A-090 Yrs. School The number of years that the applicant attended school. Includes grades 1-12, as well as,

college. 03A-100

Marital Status An EDI code indicating the marital status of an applicant/co-applicant. See Fannie Mae and EDI Code Conversions.

03A-110

Dependents (no.) The number of dependents of the applicant. 03A-120 Completed Jointly/Not Jointly A code that indicates whether the applicant/ co-applicant completed the application

jointly with the associated applicant/co-applicant. Y Yes N No

03A-130

Cross Reference Number SSN of the borrower/co-borrower. 03A-140 Date of Birth Applicant data of birth. 03A-150 Email Address Applicant email address. 03A-160 03B Dependent’s Age 03B-010 Cross-Reference Number The social security number of the applicant/co-applicant whose assets/liabilities are

reported jointly. 03A-140

Applicant Social Security Number The social security number of the applicant whose dependent’s age is being entered in the Dependent’s Age segment.

03B-020

Dependent's Age The age of the dependent for the applicant indicated in the Dependent’s Age segment. 03B-030 03C Applicant(s) Address 03C-010 Applicant Social Security Number The social security number of the applicant whose address information is being entered

in the Applicant’s Address segment. 03C-020

Present/Former/Mailing A code indicating whether the address information is being provided for a former or present residence, or a mailing address. See Fannie Mae and EDI Code Conversions.

03C-030

Residence Street Address The first and second lines of the address of the residence property. Note: This may be different from the mailing address of the property.

03C-040

Residence City The name of the municipality in which the property is located 03C-050 Residence State The state, commonwealth or territory in which the property is located. 03C-060




Residence Zip Code The mail zone of the property. 03C-070 Residence Zip Code Plus Four The mail sub zone of the property. 03C-080 Own/Rent/Living Rent Free A code that identifies if the applicant is renting this residence or if he owns it. 03C-090 No. Yrs. The number of years that the applicant has spent living at the residence. 03C-100 No. Months The number of months that the applicant has spent living at the residence. 03C-110 Country The country where the property is located. 03C-120 04A Primary Current Employer(s) 04A-010 Applicant Social Security Number The social security number of the applicant whose information is being entered in the

Primary Current Employer(s) segment. 04A-020

Employer Name The name of the company, organization or individual who employs the applicant. 04A-030 Employer Street Address The first and second lines of the address of the employer. Note: This may be different

from the mailing address of the property. 04A-040

Employer City The name of the municipality for the employer mailing purposes. 04A-050 Employer State The legal United States Postal Service abbreviation for the state, commonwealth,

territory where the employer is located for mailing purposes. 04A-060

Employer Zip Code The mail zone of the employer. 04A-070 Employer Zip Code Plus Four The mail sub zone of the employer. 04A-080 Self Employed An indication of whether or not the applicant is/was self-employed during the particular

employment period. 04A-090

Yrs. on this job 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.

04A-100

Months on this job The number of months beyond the most recent completed full year of employment the applicant is/has been employed by the employer.

04A-110

Yrs. employed in this line of work/profession

The total number of years the applicant has worked in the industry or the position. 04A-120

Position/Title/Type of Business The title of the position held by the applicant during the period of employment. 04A-130 Business Phone The telephone number of the employer. 04A-140 04B Secondary/Previous Employer(s) 04B-010 Applicant Social Security Number The social security number of the applicant whose information is being entered in the

Secondary/Previous Employer(s) segment. 04B-020

Employer Name The name of the secondary/previous employer. 04B-030 Employer Street Address The first and second lines of the address of the employer. 04B-040 Employer City The name of the municipality in which the employer is located. 04B-050 Employer State The state, commonwealth or territory in which the employer is located. 04B-060 Employer Zip Code The mail zone of the employer. 04B-070 Employer Zip Code Plus Four The mail sub zone of the employer. 04B-080 Self Employed A code indicating whether the applicant is self-employed for an applicant’s

secondary/previous job. Y Yes N No

04B-090

Current Employment Flag An indication of whether or not this job is current or prior employment. 04B-100 From Date The date the applicant commenced employment with the employer. 04B-110 To Date The date the applicant employment with the employer was terminated 04B-120 Monthly Income The monthly income earned at this particular job. Current Secondary Employment

Income must also be combined with primary income and entered in field 05I-040. 04B-130

Position/Title/Type of Business Text describing the position and title held at and type of business of an applicant’s secondary/previous job.

04B-140

Business Phone The phone number for the applicant’s secondary/previous employer. 04B-150 05H Present/Proposed Housing Expense 05H-010




Applicant Social Security Number The social security number of the applicant whose information is being entered in the Present/Proposed Housing Expense segment.

O5H-020

Present/Proposed Indicator 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.

05H-030

Housing Payment Type Code A code that indicates the type of housing expense. 05H-040 Housing Payment Amount (Monthly Housing Exp.)

The cost associated with the housing expense. 05H-050

05I Income 05I-010 Applicant Social Security Number The social security number of the applicant whose information is being entered in the

Income segment. 05I-020

Type of Income Code A code indicating the kind of income reported on the loan application. Note: will only accept one EDI data element 1186 per applicant.

05I-030

Income Amount (Monthly Income) The amount of monthly income of a particular type reported by the applicant. All primary and secondary employment income must be combined and entered as a total in this field.

05I-040

06A Cash Deposit 06A-010 Applicant Social Security Number The social security number of the applicant whose information is being entered in the

Cash Deposit segment. 06A-020

Cash deposit toward purchase held by Text describing the entity to which the cash deposit toward purchase was paid. 06A-030 Cash or Market Value The applicant reported the amount of U.S. dollars, which should be received if the asset

was sold at the time the asset. 06A-040

06B Life Insurance 06B-010 Applicant Social Security Number The social security number of the applicant whose information is being entered in the

Life Insurance segment. 06B-020

Acct. no. The account number for the life insurance policy being detailed. 06B-030 Life Insurance Cash or Market Value The applicant reported the amount of U.S. dollars, which should be received if the asset

was sold at the time the asset. 06B-040

Life insurance Face Amount The amount the insurer will pay in the event of the death of the applicant. 06B-050 06C Assets 06C-010 Applicant Social Security Number The social security number of the applicant whose information is being entered in the

Assets segment. 06C-020

Account/Asset Type A code uniquely identifying a category or class of items, which have value in the market and therefore should be considered when determining the net worth of the Applicant.

06C-030

Depository/Stock/Bond Institution Name The name of the individual or organization, which holds the applicant’s assets. 06C-040

Depository Street Address The post office box or street and building number of the institutions mailing address. 06C-050 Depository City The city in which the institution receives mail via the postal system. 06C-060 Depository State The abbreviation approved by the United States Postal Service for states,

commonwealths, and territories, in which the institution receives mail. 06C-070

Depository Zip Code The United States Postal Service, postal zone code for the postal area in which the creditor receives mail.

06C-080

Depository Zip Code Plus Four The United States Postal Service, postal sub-zone four digit code for the depository delivery location.

06C-090

Acct. no. The unique number that identifies the applicant's account. 06C-100 Cash or Market Value The applicant reported the amount of U.S. dollars, which should be received if the asset

was sold at the time the asset. 06C-110

Number of Stock/Bond Shares An integer identifying the number of shares of stock and bonds an applicant owns. 06C-120 Asset Description Text describing the asset if it is stock, bond or other. 06C-130 Reserved for Future Use A field not currently used, that should be filled with spaces. 06C-140




Reserved for Future Use A field not currently used, that should be filled with spaces. 06C-150 06D Automobile(s) 06D-010 Applicant Social Security Number The social security number of the applicant whose information is being entered in the

Automobile segment. 06D-020

Automobile Make/ Model A name given to a class of automobiles by the manufacturer to identify the particular

product line. 06D-030

Automobile Year The model year of the automobile or the year the automobile manufacturer introduced

the version of the model for sale to the general public. 06D-040

Cash or Market Value The applicant reported the amount of U.S. dollars that should be received if the asset was

sold at the time the asset. 06D-050

06F Alimony, Child Support/Separate Maintenance and/or Job Related Expense(s) 06F-010 Applicant Social Security Number The social security number of the applicant whose information is being entered in the

Alimony, Child Support/Separate Maintenance and/or Job Related Expense(s) segment. 06F-020

Expense Type Code A code uniquely identifying a category or class of debts. 06F-030 Monthly Payment Amount The dollar amounts, which must be paid monthly by the applicant to pay, down the

liability and keep the account current. 06F-040

Months Left to Pay The number of months the applicant must continue to make monthly payments in order

to fully and satisfactorily pay off the liability. 06F-050

Alimony/ Child Support/ Separate Maintenance Owed To

Text identifying to whom Alimony/ Child Support/ Separate Maintenance is owed. 06F-060

06G Real Estate Owned 06G-010 Applicant Social Security Number The social security number of the applicant whose information is being entered in the

Real Estate Owned segment. 06G-020

Property Street Address The first and second lines of the address of the property. 06G-030 Property City The name of the city in which the property is located. 06G-040 Property State The state, commonwealth or territory in which the property is located. 06G-050 Property Zip Code The mail zone of the property. 06G-060 Property Zip Code Plus Four The mail sub zone of the property. 06G-070 Property Disposition A code indicating the property's future use. 06G-080 Type of Property A code describing the type of real estate. 06G-090 Present Market Value The value of the property if it were to be sold today. 06G-100 Amount of Mortgages & Liens The applicant reported the total amount of all remaining mortgages and liens against the

property at the time the asset. 06G-110

Gross Rental Income The amount of revenue generated by the property from rent on a monthly basis. 06G-120 Mortgage Payments The total monthly payment made on outstanding mortgages and liens against the

property made by the applicant. 06G-130

Insurance Maintenance Taxes & Misc. The monthly expense on the property for property taxes, maintenance and insurance. 06G-140 Net Rental Income The amount of the rental income that is net of mortgage payments, insurance,

maintenance, taxes, and miscellaneous 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.

06G-150

Current Residence Indicator An indication whether or not the applicant currently resides at the Real Estate Owned. 06G-160 Subject Property Indicator Indicates whether the REO is the property, which will secure the loan being applied for

with this application. 06G-170

REO Asset ID A sequential number, starting at 1, to identify each REO record included in the casefile segment.

06G-180

Reserved for Future Use A field not currently used, that should be filled with spaces. 06G-190

06H Alias Borrower or Co-Borrower 06H-010 Applicant Social Security Number The social security number of the applicant whose information is being entered in the 06H-020




“Alias Borrower or Co-Borrower can not have duplicate aliases” segment. Alternate First Name Another first name that the applicant may have used previously. 06H-030 Alternate Middle Name Another middle name that the applicant may have used previously. 06H-040 Alternate Last Name Another last name that the applicant may have used previously. This must be present if

the applicant has received credit under any other name. 06H-050

Unused A field not currently used, that should be filled with spaces. 06H-060 Unused A field not currently used, that should be filled with spaces. 06H-070 06L Liabilities 06L-010 Applicant Social Security Number The social security number of the applicant whose information is being entered in the

Liabilities segment. 06L-020

Liability Type A code uniquely identifying a category or class of debts. Mortgages and Home Equity Lines of Credit© are considered differently and must be identified separately in the case.

06L-030

Creditor Name The name of the individual or organization with which the applicant has a liability. 06L-040 Creditor Street Address The post office box or street and building number of the institutions mailing address. 06L-050 Creditor City The city in which the creditor institution receives mail via the postal system 06L-060 Creditor State The abbreviation approved by the United States Postal Service for states,

commonwealths, and territories, in which the creditor institution receives mail. 06L-070

Creditor Zip Code The United States Postal Service, postal zone code for the postal area in which the Creditor receives mail.

06L-080

Creditor Zip Code Plus Four The United States Postal Service, postal sub-zone four digit code for the Creditor postal delivery area.

06L-090

Acct. no. The unique number identifying the applicant’s liability. 06L-100 Monthly Payment Amount The dollar amounts, which must be paid monthly by the applicant to pay, down the

liability and keep the account current. 06L-110

Months Left to Pay The number of months the applicant must continue to make monthly payments in order to fully and satisfactorily pay off the liability.

06L-120

Unpaid Balance The unpaid balance of the liability at the time the loan application was completed. 16L-130 Paid By Closing A code indicating whether the liability will be paid off at or before closing.

Y Yes N No

06L-140

REO Asset ID A sequential number, starting at 1, to identify each REO record included in the casefile segment.

06L-150

Re-subordinated Indicator A code indicating whether the liability will be re-subordinated to the loan after closing. Y Yes N No

06L-160

Omitted Indicator A code indicating whether a liability listed on the credit report should be omitted from the liabilities calculation because of duplication or misrepresentation. Y Yes N No

06L-170

Subject Property Indicator A code indicating whether the liability is associated with the subject property and is required to be either paid off or re-subordinated.

06L-180

Rental Property Indicator A code indicating whether the liability is associated with a rental property and the monthly payment is already included in the calculation of the net rental income.

06L-190

06S Income, Housing, Assets and Liabilities Summary Amounts 06S-010 Applicant Social Security Number The social security number of the applicant whose information is being entered in the

Summary segment. 06S-020

Summary Amount Type Code A code identifying the summary amount. See Fannie Mae and EDI Code Conversions. 06S-030 Amount The summary amount expressed in dollars. 06S-040 07A Details of Transaction 07A-010 a. Purchase price The amount of money that the property will be purchased for. 07A-020




b. Alterations, improvements, repairs The cost of any alterations, improvements, and repairs on the property. 07A-030 c. Land The cost of the land for the property. This will only be collected if the land was acquired

separately from the property. 07A-040

d. Refinance (Inc. debts to be paid off) The cost to the applicant that is associated with refinancing a mortgage loan on a property.

07A-050

e. Estimated prepaid items 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 paid by 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.

07A-060

f. Estimated closing costs 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 in 07B-030. FHA/VA: Enter the total allowable Closing Costs.

07A-070

g. PMI MIP, Funding Fee A fee paid to initiate mortgage insurance. Conventional: Enter amount 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 paid by the lender, include that amount in 07B-030. FHA: Enter amount of MIP charged. If any of this is to be paid by the seller, enter that amount in GOA-040. If any of this is to be paid by the lender, enter that amount on 07B-030 (other credits, lender). If the MIP is paid by the seller (it must be all or nothing) and the user enters the amount paid by seller in seller concessions only the funds to/from borrower would not be correct. VA: Enter the amount of Funding Fee Charged. If any of this amount is to be paid by either the seller or lender, enter that amount in 07B-030 (other credits, seller or lender respectively)

07A-080

h. Discount (if borrower will pay) Conventional: Enter the total amount of discount points charged. Fannie Mae does not distinguish between Discount and Origination points. FHA/VA: This is the amount paid by the borrower.

07A-090

j. Subordinate financing The total amount of financing by a type of debt inferior to this loan the applicant is applying for on the same property.

07A-100

k. Borrower's closing costs paid by Seller Conventional: Include the amount of Closing Costs, Pre-Paids, Discount Points and up-front PMI paid by the Seller. Closing Costs, Pre-Paids, Points or Up-front MI that is paid by the seller may also be entered into 07B-030 (Other Credits, Seller Credit) in addition to 07A-110. DU will recognize both and add the two amounts to determine total seller credit. FHA/VA: Enter the amount of Closing Costs paid by the Seller. Note: Do not include seller paid prepaid items.

07A-110

n. PMI, MIP, Funding Fee financed The amount of the fee paid to initiate mortgage insurance that will be financed in the mortgage loan transaction.

07A-120

07B Other Credits 07B-010 Other Credit Type Code A code identifying the type of credit in the transaction. See Fannie Mae and EDI Code

Conversions. FHA guidelines allow for some costs that may be paid by the borrower but that may not be financed in the mortgage or included in the mortgage amount calculations. These include commitment fees, rate locks, etc. These types of fees should be entered as a negative value in other credits; they will not be included in Line F. The system will add these amounts to Line P, Cash From/To Borrower. This will ensure that the system correctly calculates the borrower’s required funds to close.

07B-020

Amount of Other Credit The dollar amount of this type of credit. 07B-030 08A Declarations 08A-010




Applicant Social Security Number The social security number of the applicant whose information is being entered in the Declarations segment.

08A-020

a. Are there any outstanding judgments against you?

The applicant's response to the declaration question. Any "yes" responses must be explained.

08A-030

b. Have you been declared bankrupt within the past 7 years?


08A-040

c. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?


08A-050

d. Are you a party to a lawsuit? The applicant's response to the declaration question. Any "yes" responses must be explained.

08A-060

e. Have you directly or indirectly been obligated on any loan...


08A-070

f. Are you presently delinquent or in default on any Federal debt...


08A-080

g. Are you obligated to pay alimony child support or separate maintenance?


08A-090

h. Is any part of the down payment borrowed?


08A-100

i. Are you a co-maker or endorser on a note?


08A-110

j. Are you a U.S. citizen? k. Are you a permanent resident alien?


08A-120

l. Do you intend to occupy... The applicant's response to the declaration question. Any "yes" responses must be explained.

08A-130

m. Have you had an ownership interest... The applicant's response to the declaration question. Any "yes" responses must be explained.

08A-140

m. (1) What type of property... The applicant's response to the declaration question. Any "yes" responses must be explained.

08A-150

m. (2) How did you hold title... The applicant's response to the declaration question. Any "yes" responses must be explained.

08A-160

08B Declaration Explanations 08B-010 Applicant Social Security Number The social security number of the applicant whose information is being entered in the

Declarations Explanations segment. 08B-020

Declaration Type Code A code that identifies the particular question asked in the Declarations section of the loan application.

08B-030

Declaration Explanation A brief explanation made by the applicant to the Interviewing Loan Officer, clarifying their response to a declaration on the loan application.

08B-040

09A Acknowledgment and Agreement 09A-010 Applicant Social Security Number The social security number of the applicant whose information is being entered in the

Acknowledgment and Agreement segment. 09A-020

Signature Date The date that the applicant signed the loan application or the continuation sheet(s). 09A-030 10A Information for Government Monitoring Purposes 10A-010 Applicant Social Security Number The social security number of the applicant whose information is being entered in the

Information for Government Monitoring Purposes segment. 10A-020

I do not wish to furnish this information A code indicating whether the applicant wishes to furnish race and gender data, entered for the purpose of government monitoring. Y Yes N No

10A-030

Ethnicity A code that identifies the ethnicity of the applicant. 10A-040 Filler Filler. 10A-050




Sex A code that identifies the gender of the applicant. 10A-060 10B Interviewer Information 10B-010 This application was taken by A code identifying the method the application was taken. See Fannie Mae and EDI

Code Conversions. 10B-020

Interviewer's Name The name of the person who received the application information from the applicant(s). 10B-030 Interview Date The date that the Interviewer signed the loan application. 10B-040 Interviewer's Phone Number The phone number of the person who received the application information from the

applicant(s). 10B-050

Institution Name The name of the institution for which the interviewer works. 10B-060 Institution Street Address The street address of the institution for which the interviewer works. 10B-070 Institution Street Address 2 The second line of street address of the institution for which the interviewer works. 10B-080 Institution City Address The city of the institution for which the interviewer works. 10B-090 Institution State Code The state of the institution for which the interviewer works. 10B-100 Institution Zip Code The zip code of the institution for which the interviewer works. 10B-110 Institution Zip Code Plus Four The four digit extension of the zip code of the institution for which the interviewer

works. 10B-120

10R Race - Information for Government Monitoring Purposes 10R-010 Applicant Social Security Number Applicant Social Security Number 10R-020 Race Race of the applicant. Applicant may report multiple race types. 10R-030



Additional Case Data

This table defines the Fannie Mae format for the Additional Case Data set. Additional Case Data includes transmittal data and credit scores. Use this section as a data format reference when coding to services that require these segments to complete a loan application.

Additional Case Data Data Dictionary Data Element Name Description Transaction

Field # 99B Fannie Mae Transmittal Data, Segment required for Import. 99B-010 Seller Provided Below Marketing Financing

A code indicating whether or not the seller offered below-market subordinate financing.

99B-020

Owner of existing Mortgage Identifies the owner of the existing mortgage being refinanced. 99B-030 Property Appraised Value The value of the property as documented by the appraisal. 99B-040 Buydown Rate The final Bought Down Interest Rate. The rate that the applicant will pay after the

buydown is applied. 99B-050

Actual Vs. Estimated Appraised Value Indicator

Indicates if the Appraised value is an actual or estimated value. 99B-060

Appraisal Fieldwork Ordered Indicates what type of appraisal the lender obtained. 99B-070 Appraiser Name Name of the Appraiser. 99B-080 Appraiser Company Company Name the appraiser works for. 99B-090 Appraiser License Number Appraiser’s license number. 99B-100 Appraiser License State Code Abbreviation for State in which appraiser is licensed. 99B-110 SCA Score SCA-010 Score ID A code that identifies the type of mortgage score being reported.

001 PMI Aura AQ1 Score 002 GE IQ Score 003 UGI Accuscore

SCA-020

Score The score value associated with the Score ID. SCA-030 Score Date Date that the score was received from the Mortgage Scoring engine. SCA-040 ADS Additional Data Segment ADS-010 Name May be defined for future products. ADS-020 Value May be defined for future products. ADS-030



Loan Product Data

Loan Product Data is loan specific data needed to determine if a loan is eligible for a specific lender or service provider. It is comprised of the following information: Loan Characteristics for Eligibility, Product Identification, Product Characteristics, ARM information, Payment Adjustment Occurrences, Rate Adjustment Occurrences, and Buydown Data.

Loan Product Data Dictionary


Loan Product Data LNC LNC-010 Lien Type Code A code indicating whether the loan being applied for is the first, or a subordinate,

trust on the property. LNC-020

Loan Documentation Type Code A code indicating the level of documentation which being collected to process and underwrite the loan. Mortgages and Home Equity Lines of Credit© must be differentiated and specified as applicable in the case. See Fannie Mae and EDI Code Conversions Table, EDI element 1103.

LNC-030

Subject Property Type Code A code indicating the type of property being used to secure the loan. LNC-040 Project Classification Code A lender-assigned code defined by Fannie Mae to classify projects in compliance

w/ Fannie Mae project guidelines. LNC-090

Negative Amortization Limit Percent The maximum amount of negative amortization that may occur against the unpaid balance for the life of the loan, expressed as a percent of the original loan amount.

LNC-100

Balloon Indicator A code indicating whether or not a final balloon payment is required, under the terms of the loan repayment schedule, to fully pay off the loan.

LNC-110

Start-up Mortgage Indicator Indicates a graduated-payment mortgage that has “interest only” payments for the first year.

LNC-120

Down Payment Option Code indicating the option used to facilitate the applicant’s down payment amount. LNC-130 Homebuyer Education Completion Indicator Indicates whether or not the Applicant has completed the Homebuyer Education

program or not. LNC-140

Maximum Lifetime Rate Increase The maximum percentage rate increase that may occur over the life of the loan. LNC-150 Payment Adjustment Life Percent Cap The lifetime payment adjustment cap, expressed as a percentage of the loan

amount. LNC-160

Payment Adjustment Life Amount Cap The lifetime payment adjustment amount cap, expressed as a dollar amount. LNC-170 Will Escrow be Waived The lender will waive a flag indicating whether the applicant’s escrow deposits. LNC-180 Scheduled Loan Closing Date Scheduled date for when the loan will be closed with the Applicant. LNC-190 Scheduled First Payment Date Scheduled date for when the first loan payment will be due to be made by the

Applicant under the terms of the mortgage. LCN-200

MI Coverage Percent The percentage of the mortgage loan balance, which will be insured by the MI Insurer.

LNC-210

MI Insurer Code A code that identifies the specific entity that will provide mortgage insurance for this loan.

LNC-220

APR Spread Spread between the percentage rate of the loan and the applicable Treasury yield. LNC-230 HOEPA Indicates a loan is covered under the Home Ownership Equity Protection Act. LNC-240 PreApproval Y/N Flag indicating if the loan is a pre-approval. LNC-250 PID Product Identification, segment required for import. PID-010 Product Description A narrative text description of the product, which has been selected for this loan. PID-020 Product Code Identifier for the specific loan product, which has been selected for this loan. The PID-030




product could be a DO Product, a Lender Product, or a Product offered by a Conduit, but identifies specific characteristics which will apply to the loan, as well as rules for what types of loans are eligible.

Product Plan Number An identifying number that identifies the varying loan payment/rate change characteristics of variable rate mortgages.

PID-040

PCH Product Characteristics, segment required for import. PCH-010 Mortgage Term The standard number of months used in determining the period of time over which

the loan must be repaid. PCH-020

Assumable Loan Indicator Code indicating whether or not the loan is assumable by another party. PCH-030 Payment Frequency Code The rate at which payments must be made to keep the loan in good standing.

Segment required if bi-weekly. PCH-040

Prepayment Penalty Indicator A code indicating whether or not the loan includes a penalty charged to the Applicant in the event of prepayment.

PCH-050

Prepayment Restricted Indicator A code indicating whether or not the loan has any restrictions on the prepayment of the loan (i.e., paying off the principal and or interest at a rate faster than prescribed by the payment schedule).

PCH-060

Repayment Type Code A code used to indicate whether the loan payment schedule has been calculated to fully repay the loan over the mortgage term.

PCH-070

ARM ARM. This is NOT required for underwriting unless the loan is an ARM. It is only required if ARM, segment required for underwriting if ARM.

ARM-010

Arm Index Value The current value of the index, used to calculate the initial interest rate for an ARM loan.

ARM-020

Index Type (Index Name) Index Code on which rate and/or payment adjustments are based. ARM-030 ARM Index Margin The amount to be added to the index value to calculate the new interest rate at each

rate adjustment. For ARM and GPARM loans only. ARM-040

ARM Qualifying Rate The rate used to calculate the applicant’s PITI to qualify the applicant for the subject mortgage for ARM loans.

ARM-050

PAJ Payment Adjustment Occurrences. Segment not used by DU. This segment contains DO product / pricing information.

PAJ-010

Payment Adjustment Period Number The sequential number of the payment adjustment for the loan. For the first payment adjustment under the terms of the loan, this would be “1”. The second adjustment for the loan would be “2”.

PAJ-020

Payment Adjustment Duration The number of months in the adjustment period. PAJ-030 Payment Adjustment Frequency The number of months for which the payment adjustment will be effective. PAJ-040 Payment Adjustment Type Code Code indicating if the payment adjustment is a percentage or a dollar amount. PAJ-050 Payment Adjustment Percent The scheduled payment increase/decrease amount for this occurrence of a

payment change, expressed as a percent. PAJ-060

Payment Adjustment Amount The scheduled payment increase/decrease amount for this occurrence of a payment change, expressed as a dollar amount.

PAJ-070

Payment Adjustment Percent Cap The payment adjustment cap for this occurrence of a payment change, expressed as a percentage.

PAJ-080

Payment Adjustment Amount Cap The payment adjustment amount cap per change, expressed as a dollar amount. PAJ-090 Months to First Payment Adjustment The number of months from the first payment until the first payment adjustment. PAJ-100 RAJ Rate Adjustment Occurrences RAJ-010 Rate Adjustment Period Number The sequence number of the rate adjustment information for the loan, if there are

more than one rate adjustments. RAJ-020

Rate Adjustment Duration The number of months for which the rate adjustment will be effective. RAJ-030 Rate Adjustment Frequency Frequency of the adjustments during the adjustment period, in months. RAJ-040 Rate Adjustment Calculation Method Code Indicates the method for calculating the new adjusted rate at each rate change. RAJ-050 Rate Adjustment Percent Percentage to be used for the rate adjustment. Depending on the calculation RAJ-060




method, this may be a percentage added to the current rate or it may be a percentage added to the original rate.

Rate Adjustment Cap The cap on the percentage rate increase allowed for the loan, per change. RAJ-070 Months to First Rate Adjustment The number of months from the first payment until the first rate adjustment. RAJ-080 BUA Buydown Data BUA-010 Buydown Frequency The time interval 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.

BUA-020

Buydown Duration The period of time (counted in months) from the Base Date during which the interest rate buydown is in effect.

BUA-030

Increase Rate The amount by which the interest rate can increase or decrease at each adjustment period within the buydown duration. If a decrease is entered, it should be entered as a negative amount.

BUA-040

Funding Code Indicates whether or not the lender is funding the Interest Rate Buydown. BUA-050 Buydown Base Date Code A code indicating the date from which the duration of the buydown is counted.

Note: This field is not currently used. BUA-060

Buydown Type Indicator (Perm. Or Temp) Indicates whether the buydown is permanent or temporary.

BUA-070

Government Loan Transaction Data Dictionary

Data Element Name Description Transaction Field

# GOA FHA/VA Loans GOA-010 Energy Efficient New Home This field is no longer used for government underwriting. GOA-020 MCC For an FHA loan, the dollar amount form the Mortgage Credit Certificate should be

entered in this filed as a monthly amount. The amount of the MCC will be subtracted from the mortgage payment. This field should only be completed if the funds are coming from a MCC issued by a federal, state, or local agency. All other housing allowances should be entered as other income in Section V. For a VA loan, the dollar amount from the Mortgage Credit Certificate should be entered in this field as a monthly amount. The amount of the MCC will be added to the residual income, subject to the $2000 annual ($167 monthly) limit.

GOA-030

Seller Concessions For an FHA loan, the amount of the seller contributions above the allowed 6% seller contribution, which will be paid by the seller of the property should be entered in this field. In addition, any true seller concessions such as an allowance furniture, carpeting, decorator allowances, giveaways, or other sales incentives from the sales contract are also included here. True concessions should be subtracted from the sales price with the LTV calculated from the adjusted sales prices. For a VA loan, the amount of the concessions (other than normal discount points and closing costs) that will be paid by the seller or other party should be entered in this field.

GOA-040

Borrower Total Closing Costs Fees This field is no longer used for government underwriting. GOA-050 Borrower Total Closing Costs Points (%) This field is no longer used for government underwriting. GOA-060 Seller Total Closing Costs Fees This field is no longer used for government underwriting. GOA-070 Seller Total Closing Costs Points (%) This field is no longer used for government underwriting. GOA-080




Other Total Closing Costs Fees This field is no longer used for government underwriting. GOA-090 Other Total Closing Costs Points (%) This field is no longer used for government underwriting. GOA-100 Type of Refinance Indicates the amount of documentation for no cash out refinance loans.

1 Full Documentation (Conventional, FHA or VA) 2 Streamline with Appraisal (Conventional and FHA Only) 3 Streamline without Appraisal (Conventional and FHA only) 4 Interest Rate Reduction Refinance Loan (VA)

GOA-110

Property County Name of county in which property is located. This is used in determining the FHA statutory limits for the subject property. It is critical to enter the spelling of the county name correctly; otherwise, the system will default to an “all other counties” limit for the property and may result in an incorrect maximum loan amount.

GOA-120

GOB FHA Loans Only GOB-010 Section of the Act The section of the National Housing Act used in underwriting government loans. The

code that identifies the underwriting guidelines that should be used for loan evaluation.

GOB-020

Allowable Repairs This field is NOT used for underwriting GOB-030 MIP Upfront (%) This field is NOT used for underwriting GOB-040 MIP Refund Amount For refinance loans, the amount of MIP that will be refunded to the borrower. Must

be a whole number. For FHA loans. GOB-050

MI Renewal Rate (%) This field is NOT used for underwriting GOB-060 Reserved for future use This field is NOT used for underwriting GOB-070 GOC VA Loans Only GOC-010 Co-Borrower Married to Primary Borrower Indicates whether the co-borrower is married to the borrower. For VA loans. GOC-020 Entitlement Amount The dollar amount guaranteed by the VA to the veteran borrower. GOC-030 Monthly Maintenance The estimated dollar amount of monthly maintenance expense. GOC-040 Monthly Utilities The estimated dollar amount of monthly utilities. For VA loans. GOC-050 Funding Fee (%) The funding fee percentage due from the borrower. The fee is entered as a percentage.

The dollar amount is automatically calculated by the system. For VA loans. This field is NOT used for underwriting.

GOC-060

GOD VA Loans Only GOD-010 Applicant Social Security Number The social security number of the applicant. GOD-020 Federal Tax Use this field to pass the TOTAL DEDUCTIONS (Federal, State, Retirement/Social

Security, or Other). From Monthly Income and Deductions Section of the VA Loan Analysis Worksheet..

GOD-030

State Tax This field is no longer used for government underwriting. GOD-040 Local Income Tax This field is no longer used for government underwriting. GOD-050 Social Security Tax This field is no longer used for government underwriting. GOD-060 Total Non-Taxable Income – Primary This field is NOT used for underwriting GOD-070 Total Non-Taxable Income – Other This field is NOT used for underwriting GOD-080 Total Taxable Income – Primary This field is NOT used for underwriting GOD-90 Total Taxable Income – Other This field is NOT used for underwriting GOD-100 GOE FHA/VA Loans GOE-010 Applicant Social Security Number The social security number of the applicant. GOE-020 CAIVR # Assigned by HUD’s Credit Alert Interactive Voice Response System. Interactive

system used to check applicant’s outstanding federal obligations. GOE-030

Borrower Credit Rating A code supplied by Fannie Mae, which corresponds to the borrower’s credit history. GOE-040 Bankruptcy < 3 years Number of times filed for bankruptcy within the last three years. GOE-050 Foreclosure Total number of times previous lenders have foreclosed on property. GOE-060



Community Lending Data Dictionary

Data Element Name Description Transaction Field

# LMD Community Lending Loans LMD-010 Metropolitan Statistical Area or County MSA: A contiguous geographical area consisting of an urban center city and its

surrounding suburbs. LMD-020

Community Lending Product The name of the Fannie Mae community-lending product, which is associated with the loan. The following types exist: - Community Home Buyer Program - Fannie 97 - Fannie 3/2 - MyCommunityMortgage™

LMD-030

Filler Reserved for future use. LMD-035 Fannie Neighbors Eligible Indicates whether the loan is eligible to be a Fannie Neighbors mortgage i.e.

Conventional fixed-rate first mortgage secured by single-family residences that are located within the incorporated city limits of a designated central city or eligible low-income or minority census tract.

LMD-040

Community Seconds Indicates whether the loan is a Community Seconds (i.e. A community lending model, under which Fannie Mae purchases a first mortgage that has a subsidized second mortgage behind it. The second mortgage may be issued by a state, county, or local housing agency or nonprofit organization.).

LMD-050

HUD Median Income HUD's estimated median family incomes to determine borrower eligibility for all applications related to community lending products. Borrowers generally must have incomes no greater than 115% of the median income that HUD publishes for the area in which they reside. Based on the Metropolitan Statistical Area or County selected (LMD-020), this field will be automatically populated.

LMD-060

Income Limit Adjustment Factors Based on the Metropolitan Statistical Area or County selected (LMD-020), this field will be automatically populated. This field can be modified/overwritten by the user.

LMD-070

Community Lending Income Limit Automatically populated based on multiplying fields HUD Median Income (LMD-060) and Income Limit Adjustment Factors (LMD-070).

LMD-080

residential loan data format 1003, version...

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