Freddie Mac Implementation Guide for Loan Delivery Data

1 Freddie MacImplementation Guide for loan Delivery DataAppendix A - Freddie Mac XML data RequirementsPhase 3 Document Version : December 13, 2016 Updated: May 14, 2019 This specification relates to the Uniform Mortgage data Program , an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of their regulator, the Federal Housing Finance Agency. 2019 Freddie Mac. All Rights is a registered trademark of the Mortgage Industry Standards Maintenance Organization. MERS is a registered trademark of MERSCORP, Inc. Desktop Underwriter and DU are registered trademarks of Fannie Mae. Condo Project Manager and CPM are trademarks of Fannie Mae. loan Product Advisor, loan Prospector and LP are registered trademarks of Freddie A Freddie Mac XML data RequirementsTab 2 - Read Me1 Front Cover2 Read Me3 Revision Summary4 Tab Format Revision Log5 Tab Descriptions6 Column Descriptions7 Cardinality8 Enumerations9A1 uldd Update Issued 5-14-20199A2 uldd Update Issued 11-20-20189 BULDD Phase 3 Only10 Phase 3 Complete Mandate 5-20-2019 (Version FRE )11 Phase 3 and Addenda 2012-201912 Phase 3 Additional Implementation Notes13 Phase 2 Complete Mandate 8-25-201414 Phase 2 Additional Implementation Notes15 Phase 2 Requirements Issued 12-13-2012 (Version FRE )16 Phase 1 Complete17 Phase 1 Addendum Mandate 11-26-2012 (Version FRE )18 Phase 1 Requirements Mandate 7-23-2012 (Version FRE )

2 19F11/13SF Equivalent 7-23-2012 Mandate (Version FRE )OverviewIn July 2012, under the direction of the Federal Housing Finance Agency (FHFA), Freddie Mac and Fannie Mae (the GSEs) implemented a unified set of loan Delivery data requirements that integrated each GSE s loan Delivery processes and business policies. The result was a joint loan Delivery file interface known as the Uniform loan Delivery Dataset ( uldd ) specification, which is based on the Mortgage Industry Standards Maintenance Organization (MISMO) Version ( ) Reference Model, an eXtensible Markup Language (XML) schema file. Since then, the GSEs published the uldd Phase 3 Requirements on December 13, 2016. Subsequent revisions to the uldd Phase 3 requirements were published in the Appendix D - Freddie Mac XML data Requirements Reference Tool on 3/28/17, 6/27/17, 11/7/17, 2/21/18 7/10/18, 10/26/18, 7/10/18 and 11/20/2018.

3 Delivery of uldd Phase 3 requires the use of extension containers to the MISMO reference model. A copy of the MISMO Reference Model and uldd Phase 3 Extension Schema can be found in Appendix E ( ).This version of the uldd Phase 3 requirements, located in Tab 9A1- uldd Update Issued 3-19-2019, contains revisions to existing uldd data points. Tab 9A2- uldd Update Issued 11-20-2018 contains revisions to conditionality details, improved Implementation notes, new enumerations and alignment with Fannie Mae. A subset of the complete requirements that were introduced with Phase 3 or require revisions in Phase 3 are contained in Tab 9B- uldd Phase 3 Only. The complete Phase 3 requirements are provided on Tab 10-Phase 3 Complete Mandate and technology solution providers should assess the requirements to determine the impacts on their systems to prepare for their Phase 3 deliveries.

4 Use the Sort ID column to reconcile changes to specific requirements from earlier versions of the II - Applies to all uldd PhasesPart III - Applies to uldd Phase 3 SpecificationsPart IV - Applies to uldd Phase 1 and 2 SpecificationsAppendix A ContentsPart I - IntroductionFreddie Mac Implementation Guide for loan Delivery DataPage 2 of 816 Version , 5/14/2019 Appendix A Freddie Mac XML data RequirementsTab 2 - Read MeSort IDMISMO data Point NameULDDS ConditionalityFRE Phase 3 requirements contain the addition of 30 new data points summarized in the table below, as well as several revisions to existing uldd data points.* January 1, 2019 - GSE Application Received DateULDD Phase 3 Implementation Key Dates* May 20, 2019 - GSE Phase 3 Mandate: Loans having an Application Received Date on or after January 1, 2019, and delivered to Freddie Mac on or after May 20, 2019 must meet the uldd Phase 3 of New data Points in uldd Phase 3* March 25, 2019 - loan Selling Advisor updated.

5 New Escrow Item Types announced July 2018 may be imported or delivered in loan Selling Advisor Freddie Mac Implementation Guide for loan Delivery DataPage 3 of 816 Version , 5/14/2019 Appendix A Freddie Mac XML data RequirementsTab 3 - Revision SummaryApp A/D Version NumberApp A/D Publication DateApplication Received DateMandate DateFRE Update to Phase 3 Requirements (24) FRE Implementation Notes (18): Sort IDs 24, 41, 151, 152, 153, 154, 155, 172, 173, 174, 175, 176, 363, 576, 577, 578, , 599 FRE Conditionality Details (4): Sort IDs 151, 172, 175, 363 Enumeration Additions (4): Sort IDs 364, 365, 404, Enumeration Modification (1): Sort ID ULDDS Conditionality (1): Sort ID 67 Correction to Documentation (2) Removed from Tab 9B: Sort ID 225 loan Selling Advisor Screen Name: Sort ID 233 Specification Changes -- Effective February 6, 2019 Implementation Notes (2): Sort IDs 24, 41 Specification Changes -- Effective March 25, 2019 Enumeration Additions (27): Sort IDs 364, 365 Specification Changes -- Effective May 1, 2019 FRE Conditionality Details (1): Sort ID 363 FRE Implementation Notes (4): Sort IDs 363, 576, 577, 578 Specification Changes -- Effective June 24, 2019 Enumeration Additions (28): Sort ID Enumeration Additions (1): Sort ID 404 FRE Implementation Notes (1).

6 Sort ID Specification Changes -- Effective July 1, 2019 ULDDS Conditionality (1): Sort ID 67 FRE Implementation Notes (1): Sort ID 599 Specification Changes -- Effective July 29, 2019 Enumeration Additions (12): Sort ID Update to Phase 3 Requirements (27) FRE Conditionality Details (4): Sort IDs , , , 363 FRE Implementation Notes (21): Sort IDs 24, 42, 50, 65, 83 (2), 91, 92 (2), 151, 172, 195 (2), 255, 312, 320, 363, 401, 429, 576, 578 Enumeration Additions (1): Sort ID ULDDS Format (1): Sort ID 403 Tab 12-Phase 3 Additional Implementation Notes FRE Implementation Notes (2): Sort IDs 255, 320 Specification Changes -- Effective March 2019 Enumeration Additions (27): Sort IDs 364, 365 Specification Changes -- Effective date to be determined Enumeration Addition (1): Sort ID Enumeration Definition Modification (1): Sort ID Specification Changes -- Effective on May 1, 2019 FRE Implementation Notes (6): Sort IDs 83, 91, 92, 195, 255, 320 FRE Update to Phase 3 Requirements (65) Enumeration Additions (29): Sort IDs 364, 365, Enumeration Deletions (3): Sort ID 451, FRE Conditionality Details (10): Sort IDs 43, 45, 46, 157, 221, 247, 251, 366, 576, 578 FRE Implementation Notes (20): Sort IDs 42, 67, 80, 172, 173, 175, 221, 222, 233, 291, 292, 363, 429, 430, 451, 573, 576, 577, 578, FRE Additional Implementation Notes (3).

7 Sort IDs 157, 158, 385 loan Selling Advisor Screen (2): Sort IDs , Specification Changes -- Effective date to be determined (TBD) Enumeration Additions (29): Sort ID 364, 365, Enumeration Deletion (1): Sort ID Update to Phase 3 Requirements Mandate Date Specified: 5/20/19 Application Received Date: 1/1/2019 loan Selling Advisor Screen (2): Sort IDs 567, 568 FRE Update to Phase 3 Requirements (69) Enumeration Additions (2): Sort ID 152, 175 FRE Conditionality Details (14): Sort IDs 247, 251, 322, 325, , , , , , , , , , FRE Implementation Notes (23): Sort IDs 322, 325, 328, 376, , , , , , , , , , , , , , , , , , , GSE alignment on ULDDS Conditionality (15): Sort IDs 151, 152, 153, 154, 155, 172, 173, 174, 175, 176, 247, 249, 250, 354, 403 loan Selling Advisor Screen Name (15): Sort IDs , , , , , , , , , , , , , , Specification Change (1) -- Effective on January 1, 2019 data Point (1): Sort ID 451 Container Changes, Tab 7-Cardinality (4) Cardinality Max Change (3): HMDA_ETHNICITY HMDA_RACE LOAN_IDENTIFIER MATURITY_RULE container (1): Repositioned Sort ID loan Selling AdvisorSM - formerly Selling System -- Effective immediately Reflected in Tabs.

8 3-Revision Summary, 6-Column Descriptions, 7-Cardinality, 9A- uldd Update Issued 11-7-2017, 9B-Phase 3 Only, 10-Phase 3 Complete, 11-Phase 3 and Addenda 2012-2017 (where applicable) and 12-Phase 3 Additional Implementation NotesRevision Summary Freddie Mac Implementation Guide for loan Delivery DataPage 4 of 816 Version , 5/14/2019 Appendix A Freddie Mac XML data RequirementsTab 3 - Revision SummaryApp A/D Version NumberApp A/D Publication DateApplication Received DateMandate DateRevision Summary FRE Update to Phase 3 Requirements (5) Net New data Points (2): Sort ID , Enumeration Additions (2): Sort ID Enumeration Deletion (1): Sort ID Remove data Point (1): Sort ID Update to Phase 3 data Point Revision -- Effective Date February 26, 2018 data Points (35): Sort IDs 2, 85, 86, 90, 173, 175, 176, 233, , 326, 327, 363, , , , 404, , , , , , , , , , , , , , , , , , , Container Changes (9) Cardinality Max Change (5): HMDA_ETHNICITY HMDA_ETHNICITY_ORIGIN HMDA_RACE HMDA_RACE_DESIGNATION HMDA_RACE_DETAIL HMDA_RACE_DESIGNATION (3): Removed Sort ID.

9 Added Sort IDs , GSE Difference (1): Removed from HMDA_RACE containerFRE Update to Phase 3 Requirements (4) Net New data Point (1): Sort ID 86 Enumeration Additions (3): Sort IDs 86, 90, Update to FRE Implementation Notes -- Effective March 28, 2017 Implementation Notes (3): Sort IDs 152, 244, 376 Specification Changes -- Effective June 5, 2017 data Points (3): Sort IDs , , Phase 3 data Points -- Effective 1Q 2018 data Points (36): Sort IDs 2, 85, 86, 90, 173, 175, 176, 233, , 326, 327, 363, , , , 404, , , , , , , , , , , , , , , , , , , , Specification Change -- Effective Date to Be Determined (TBD) Enumeration (1): Sort ID 451 Added the ULDDS Conditionality column to Tabs 9 and 10 FRE Phase 3 data Point Changes (28) Net New data Points (26): Sort IDs , , , , , , , , , , , , , , , , , , , , , , , , , Activated ULDDS Optional (2): The following Sort IDs, which were optional for both GSEs in Phase 1, are now Conditionally Required in Phase 3: Sort IDs 233, 363 Phase 3 Requirements (19) Enumeration Additions (6): Sort IDs 2, 173, 176, 327, 404, 451 Enumeration Clarifications (2): Sort ID Enumeration Deletion (1): Sort ID 85 Format (3): Sort IDs 321, 351, 476 Implementation Notes (5): Sort IDs 116, 175, 321, 351, 476 Enumeration Modifications (2).

10 Sort ID FRE Implementation Notes Changes -- Effective March 2, 2016 Selling Guide Cross-Reference (19): Sort IDs 42, 85, 91, 92, 123, 163, 165, 241, 243, 254, 287, 290, 291, 292, 404, 416, 440, 573, 600 Specification Changes -- Effective