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Residential Loan Data

Fannie Mae Form 1003, Version 3.2


Requirements and Data Format
Integration Guide

Updated: July 2014

2014 Fannie Mae. All rights reserved.


Desktop Originator, Desktop Underwriter, DO, DU, Automated Property Service and EarlyCheck are trademarks of
Fannie Mae. Other trademarks are owned by their respective owners.
2014 Fannie Mae. Trademarks of Fannie Mae.

July 2014

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


1003 VERSION 3.2 RESIDENTIAL LOAN DATA FILE FORMAT AND REQUIREMENTS ............ 12
HOW TO READ THE DATA FORMAT TABLES..................................................................................... 12
RESIDENTIAL LOAN DATA - FORM 1003 VERSION 3.2 DATA FORMAT .............................................. 14
NET RENTAL INCOME............................................................................................................................. 67
SUBJECT PROPERTY - NET CASH FLOW ................................................................................................ 67
FIELDS THAT CAN BE ADDED DURING THE LIABILITY RECONCILIATION PROCESS .................................... 68

2014 Fannie Mae. Trademarks of Fannie Mae.

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Document Revisions
Date

Change

07/16/03
07/22/03
08/15/03
08/15/03
08/15/03
08/15/03
09/12/03
09/12/03

Created new specification for 1003 Version 3.2. Additions/Changes are bolded.
Corrected field lengths for segments 02A, 03C and 10R.
Added note indicating fields LNC-120 and LNC-130 were converted to filler.
Added new transaction identifier specific to 1003 v 3.2.
Added comments on when to populate Country Field.
Corrected EDI Code Values for Loan Documentation Types, LNC-030
Changed definition of 06S-030 from Maximum HELOC Balance to Undrawn HELOC Amount
Changed all 000-030 fields to require 3.20.
Updated EDI Codes values for Race, Ethnicity, and Sex. See the COD guide for further information.
Updated definition for field 01A-050 to indicate the field is defaulted to Unassigned if a value is not provided.
Updated 07A-030 to indicate that it is required for government loans when applicable. Updated definition for
LEA-020, Sponsor ID. Added Adjustable ARM value for VA Loans, 01A-090.
Added new income types (05I) and asset types (06c) for the DU 5.4 Release.
Reduced the number of declared declarations (08a) to five questions.
Changed Planned Urban Development (PUD) to Planned Unit Development (PUD) in Subject Property Type
Code (LNC-040); Changed Manufactured Housing to be Manufactured Home in Subject Property Type Code
(LNC-040); Removed (VVOE) extension from Verbal Verification of Employment on LNC-030.
Added new values for FHA and VA Hybrid ARM in Product Plan Number (PID-040).
Updated LEA-020 and LEA-030 to indicate that field length is set to 20, but field value should match 10-digit
number format assigned by HUD, without spaces or special characters.
SCA-020 and SCA-040 clarification: Do not mix _Type attributes for the Mortgage Score and Type.
Added additional Custom Desktop Underwriter fields now supported in CDU Interface.
Added new Project Classification Codes for field LNC-090:
09 = P Condo
11 = R Condo
13 = T Condo
10 = Q Condo
12 = S Condo
14 = U Condo
These values are required for delivery beginning November 1, 2005. Until then, these values are only valid for
testing.
Removed conditional requirement for 03A-140 Cross-Reference Number. This field is not used for Underwriting
purposes.
For PCH-070 Repayment Type Added note explaining difference between 1003 values and displayed values
available in DO/DU on the Web graphical interface.
Modified definition of Monthly Income segments 04B-130 and 05I-040 to include negative values.

01/04/04
02/17/04
03/08/04
04/15/04

04/19/04
02/07/05
02/07/05
02/07/05
09/27/05

10/12/05
02/10/06
02/12/06
02/14/06

03/15/06
05/15/06

06/30/06

Updated EDI values effective following DU 5.6 release planned for Q3 2006:
- Added values for 99B-070 Appraisal Fieldwork Ordered (132, 133, 134, 135, 136, 137, 138);
- Deleted codes for 99B-070 (105, 107, 109)
- Modified segment LNC-090 to reflect Project Classification Code 06 (III PUD) is no longer accepted following
DU 5.6 Release, scheduled for August 20, 2006.
Removed bold additions related to differences between the 1003 File Format Version 3.0 and 3.2.
Per the DU 5.6 release scheduled for August 20, 2006, LMD-020 is no longer required for Community Lending.
DO/DU will derive the MSA value based on the Property Address. If the 1003 v3.2 or I AUS 2.3.1 file format for
the loan data contains MSA median income, DO/DU will use the value to determine the product eligibility.
Per the DU 5.6 release scheduled for August 20, 2006, please note the following changes: FannieNeighbors
indicator, LMD-040 is no longer required. If the value is Yes (Y), DU will apply the FannieNeighbors guidelines.
If the indicator is No (N) or blank, DU will check the database and apply the FannieNeighbors guidelines if
applicable.
02A-070, Number of Units: - Modified enhancement description.

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Date

Change

05/01/07

Per the DU 5.7 release scheduled for July 21, 2007 please note the following changes:
Added new field, LMD-035 Community Seconds Repayment Structure
Updated valid values for LMD-030 Community Lending Product Type
Updated requirement and description for the following fields:
o ARM Index Value (ARM-020)
o ARM Index Margin (ARM-040)
o Negative Amortization Limit Percent (LNC-100)
Removed recommendation to pass LMD-010 Community Lending header and LMD-030 Community
Lending Product Type for all loans.
Added new value for LNC-040 for MH Select (11). This new value will identify transactions aligned with the MH
Select product initiative.
Modified LMD-060 field information to emphasize it is a value determined by value passed in LMD-020.
Borrower provided data is not considered for underwriting.
Modified LMD-070 field information to include whole number format for factor value.
Modified LMD-080 field information to indicate that if this value is passed by the user in the loan application, it
will not be not be used for underwriting as this value is automatically calculated by DU.
PCH-070 modified to reflect that N and F2 are the only valid codes accepted by DU for underwriting and that
N is the only code valid for FHA and VA submissions.
Edited GOD-040, GOD-050, and GOD-060 field information to state they are not used by DU, VA or FHA.
GOD-030 Data Stream label changed from Federal Tax to Total Taxes to align with DO/DU on the
Web and to reflect that this field is the total amount of federal, state, local and social security taxes. Add
total value for Federal, State, Local and Social Security taxes and submit as GOD-030 Total Tax
GOE-040, GOE-050, GOE-060 and GOE-070 field changed to state they are not used for underwriting.
02B-030 field information modified; Submit FHA construction-perm loans as 16 (Purchase) only.
02D-070 Added F1=No Cash Out back into field information. DU does not support F1 for conforming
loans, but does support F1 for FHA/VA underwriting.
Per the DU for Government release scheduled for December 15, 2007 DU automatically generates data to
support FHA TOTAL Mortgage Scorecard underwriting. No data mapping changes are required.
For First Time Home Buyer (FTHB) FHA Declaration fields 08A-130, 08A-140, 08A-150 descriptions
were edited to include that DU will automatically generate and submit corresponding required data to FHA
TOTAL Scorecard for underwriting.
For Counsel Type (not supported by DU), Fannie Mae will automatically send A for Not Counseled for
all FTHB submissions (default value); A null value will be sent for non-FTHB submissions.
Added notation that Ground Rent is not a supported value for 05H-040 Housing Payment Type Code.
Please send as Other (23).
PID-040 Added ARM Index codes 251 (FYA 1 yr) and VAYR1 (VA 1 yr).
Modified ASSET data mapping instructions related to 06A. Document all Asset/Account amount and type
information in the 06C segment.
Modified the definition for 1003 field 05H-040 HousingExpenseType. Fannie Mae: Ground Rent is not
supported. Send as Other (23). Proposed Rent (05H-030=Proposed (2) and 05H-040=Rent (25) is
an invalid combination and is not supported by DU.
Update LNC Property type to indicate invalid type 09 (detached condo) for VA loans.
Updated information regarding rules for institution ID. This field is required to resubmit loans to the
appropriate institution. If not provided the default institution for the userid will be used. If this institution differs
from the original submission an exception will occur
Updated LNC-040 with clearer guidance on FHA and VA requirements. The code 05 is not valid for FHA
loans.
Codes 05, 07, 10 and 09 are NOT valid for VA submissions.
Updates to the specification per FHA and FHFA new field requirements, for FHFA this includes:
Supervisory Appraiser License Number, Origination Company ID, and Loan Originator ID fields to the
ADS segment. For FHA, added new enumerations for Down payment type code (02E-020), Type of
Refinance (GOA-110), FHA Section of the Act (GOB-020), and Changed Credit report score type (GOE070) to First Time Homebuyer Counsel Type.

08/29/07

11/09/07
11/20/07

12/04/07

12/17/07
05/15/07

02/27/09
03/06/09

03/16/09

05/19/09

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Date

Change

05/22/09

Update to PID-020 to Enter Standard LCOR in the Product Description field to underwrite a DU Refi Plus
loan Casefile as a standard limited cash-out refinance.
Updates to new FHA and FHFA fields to X/Conditional, Required, if applicable
Updated the Property Street Address (02A-020) and provided clarification about how to populate the unit
number. Changed the Date of Birth (03A-150) field from optional to required for DU.
Removed _ from SupervisoryAppraiserLicenseNumber field name in ADS-020 segment.
Updated GOA-110 (Type of Refinance) added FHA or VA only for the following fields
4 = Interest Rate Reduction Refinance Loan (VA Only)
H = HOPE for Homeowners (FHA Only)
R = Prior FHA (FHA only)
Updates for the GOA-110 segment
Fannie Mae Type of Refinance Code:
1 = Full Documentation (Conventional, FHA or VA), Full Documentation (Remove Conventional and Full
Documentation)
2 = Streamline with Appraisal (Conventional and FHA only), Streamline with Appraisal (Remove
Conventional and Streamline with Appraisal)
3 = Streamline without Appraisal (Conventional and FHA only), Streamline without Appraisal (Remove
Conventional and Streamline without Appraisal)
Added additional guidance for required format and length of the value of the LoanOriginatorID,
LoanOriginationCompanyID, and SupervisoryAppraiserLicenseNumber fields in the Additional Data
Segment (ADS), field number ADS-030.
LoanOriginatorID and LoanOriginationCompanyID values must be numeric characters only and cannot
exceed 12 characters in length.
SupervisoryAppraiserLicenseNumber value must allow alphanumeric characters and cannot exceed 21
characters in length.
Updated EDI code descriptions for field 10B-020 This application was taken by:
EDI Code M description changed from Mail to Mail or Fax
EDI Code I description changed from Internet to Internet or E-Mail
Updated Interviewer and Institution field names in segment 10B:
Changed Interviewer to Loan Originator
Changed Institution to Loan Origination Company
Per the DU 8.0 April release scheduled for April 17, 2010, please note the following changes:
Updated the Project Classification Type (LNC-090):
Created the following new EDI codes:
15 = V Condo
16 = G, not in a project or development
17 = T PUD
18 = T CO-OP
The following EDI codes will no longer be supported after 04/17/10:
01 = A/III Condo
02 = B/II Condo
03 = C/I Condo
Updated the Community Lending Product code (LMD-030)
Created the following new EDI code:
06 = HFA Affordable Advantage
Updated EDI values for 05I-030 (Type of Income Code):
- Retired TC = Trailing Co-borrower Income
- Modified value from M1 = Unemployment/Welfare to M1 = Unemployment/Public Assistance
Updated EDI values for 06S-030 (Summary Amount Type Code):
- Added new value SCA = IPCs: Excess Financing Concessions or Sales Concessions Amount
- Retired 1P = Total Monthly Income Not Including Net Rental Income, TMH = Total Present Housing
Expense, TLA = Subtotal Liquid Assets Not Including Gift, TNL = Subtotal Non-Liquid Assets, TRD =
Re-subordinated Property Liens

06/02/09

06/09/09
07/10/09

09/21/09

12/09/09

01/04/10

02/12/10

05/09/11

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Date

05/11/11
07/20/11
06/26/12

Change
LEA-040 (Filler) was originally 23 characters in length. Shortened LEA-040 to 10 characters in length
and created a new field LEA-050 from the remaining 13.
- LEA-040 specified as Sponsored Originator EIN
- LEA-050 reserved as filler for future use
Updated EDI values for LMD-030 (Community Lending Product Code).
- Added new value 07=HFA Preferred.
- Modified label for value 06=HFA Affordable Advantage to 06=HFA Preferred Risk Sharing.
Updated the required conditionality in the following elements of the Borrowers Declaration section
(Note: this update is to maintain consistency with DU on the Web):
- 08A-040: required for conventional and government loans
- 08A-050: required for conventional and government loans,
- 08A-060: required for government loans only
- 08A-070: required for government loans only
- 08A-080: required for government loans only
- 08A-090: required for government loans only
- 08A-100: required for government loans only
- 08A-110: required for government loans only
- 08A-120: required for conventional and government loans
- 08A-130: DU will not error if the value = N or not specified. If no value is specified, DU will default
value to N
- 08A-140: required for conventional and government loans if 08A-130 (l. Do you intend to occupy...)
= "Y"
- 08A-160: removed conditionality If 08A-140 (m. Have you had an ownership interest) = Y
Updated to include EarlyCheck supported data fields used in one or more EarlyCheck Edit rules.
Reference document: EarlyCheck Loan Application Data Fields.xls.
Updated required conditionality values in the following elements of the Borrowers Declaration:
08A-040,08A-050,08A-060,08A-070,08A-080,08A-090,08A-100,08A-120,08A-130,08A-140.
Updated guidance for 02A-050 (Property Zip Code) Field Information with following changes:
- Modified: from Not required for pre-qualification;. to Conventional and VA loan:, the zip code is not
required for pre-qualification;
- Added: Required for FHA loans; zip code will be used to derive the applicable county loan limit
information.
Updated 02B-030 (Purchase of Loan) required conditionality by correcting RC to EC.
Updated 02E-010 Field Information and added the following guidance: Fannie Mae: Required for VA
Purchase loans. Required for FHA loans when gift(s) is used as the down payment source.
Updated 02E-020 (Down Payment Type Code) required conditionality and added: G/IRE
Updated 02E-030 (Down Payment Amount) required conditionality and Field Information:
- Added required conditionality: G/IRE
- Updated Field Information and added the following sentence: For FHA loan submissions, this
amount needs to be greater than $0 if any of the following Down Payment Type Codes are used:
H1, H3, H5 or H6.
Added the following guidance for 03A-070 (Applicant Generation) Field Information: The name suffix
of the borrower. (E.g., JR, SR, II, III, IV or V).
Updated information in 05H-010 for the Required section and the Field Information guidance:
- Deleted the following from the Required column for 05H-010:
Present Housing Expense is required if applicable and if Present Housing Expense is not
summarized (see segment 06S-010).
if total income is not reported in segment 06S with Summary Type Code = IP
- Added guidance to Field Information with the following sentence: For more information, refer to the
DU Training Quick Steps for Entering housing expenses for second homes/investment properties.
Updated 06C-010 Required information and deleted the following sentence: Conventional Loans:
Required if Summary Asset Amounts are not included in record 06S with Summary Account Type
Code of TLA or TNL
Updated 06S-010 Field Information and made edits to the following:
- Summary Amounts for Income, Housing, Assets changed to Undrawn HELOC and IPCs.

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Date

8/22/2012

Change
- Summary Values are not supported changed to These values are not supported
Updated 07A-110 (k. Applicants closing costs paid by Seller) Field Information and added the
following sentence: For FHA loans, seller credit can be populated in this field or in 07B as a Seller
Credit but not in both places.
Updated 07B-020 (n. PMI, MIP, Funding Fee financed) Field Information and added the following
sentence: For FHA loans, seller credit can be populated in this field as Other Credit Type 02 or in
07A-110 as Applicant Closing Cost Paid by Seller but not in both places.
Updated ARM-050 (ARM Qualifying Rate) Field Information and added the following sentence: See
the DU Reference Material Qualifying Interest Rate Used by DU for Proposed Monthly Housing
Expense.
Updated LNC-040 (Subject Property Type Code) guidance on Required information and added: FHA
loans where the subject property is a condominium, you must populate one of the following values: 03,
07 or 09.
Updated required conditionality for Government section GOA-120 (Property Country).
- Updated required conditionality from G to <blank>
- Deleted guidance: Required for FHA. Note: Field is not required for underwriting, however if blank
system will default to statutory limit for the state.
- Added guidance: Note: This field will no longer be used.
Updated required conditionality for the following fields by ADDING EC:
- 06G-060 (Property Zip Code) and 06G-070 (Property Zip Code Plus Four)
- ADS- 020 (LoanOriginatorID and LoanOriginatorCompanyID) and corresponding fields for ADS-030
(Values)
- 06G-130 (Mortgage Payments)
- ARM-020 (ARM Index Value)
- ARM-050 (ARM Qualifying Rate)
Updated required conditionality for the following fields by DELETING EC.
- 06L-100 (Acct. no.)
- GOA-030 (Mortgage Credit Certificate)
Deleted ADDITIONAL FIELDS TO SUPPORT FOR CUSTOM DU chapter.
Updated 02E-020 (Down Payment Type Code) Field Information and added the following sentence:
04and H0 should NOT be used for FHA loans. Per HUD guidelines, H4 is NOT supported and
will result in an Error message or Ineligible recommendations.
Updated 05I-030 (Type of Income Code) with new EDI values and additional guidance:
- Added the following EDI values:
CG = Capital Gains*
EA = Employment Related Assets*
FI = Foreign Income*
RP = Royalty Payment*
SE = Seasonal Income*
TL = Temporary Leave*
TI = Tip Income*
- Updated Field Information with the following additional guidance:
*New income values are only supported by DU and should not be sent for FHA or VA loans.
*The new income values will be supported by DU on 10/20/2012 with the DU 9.0 Release.
Systems should continue to send these income sources as Other Income until this release.
**Net Rental Income can be entered in the Income or REO segment. Please review the
information on page 60, Net Rental Income.
Updated 06G-150 (Net Rental Income) Field Information with additional guidance:
Net Rental Income
The amount of the rental income that is net of mortgage payments, insurance, maintenance,
taxes, and miscellaneous property expenses. If this field is not populated, then Desktop
Underwriter will calculate it based on a vacancy factor. If the number is positive, it will be added
to the qualifying income; if it is negative, it will be considered a liability and included in the total
expense ratio calculation.
**Net Rental Income can be entered in the Income or REO segment. Please review the

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Date

04/22/13

11/25/13

Change
information on page 60, Net Rental Income.
Updated LNC-090 (Project Classification Codes) to reflect two (2) retired EDI values:
- 17 = T PUD (no longer supported after 10/20/2012)
- 18 = T CO_OP (no longer supported after 10/20/2012)
Consolidated information from the following sections into the corresponding sections of the
RESIDENTIAL LOAN DATA FORM 1003 VERSION 3.2 DATA FORMAT and deleted:
- Residential Loan Data - Form 1003 Data Dictionary
- Additional Case Data Dictionary
- Loan Product Data Dictionary
- Government Loan Transaction Data Dictionary
- Community Lending Data Dictionary
Updated information in NET RENTAL INCOME chapter:
- Modified sentence: If the borrower(s) have income from rental properties, you may enter Net Rental
Income either on a detail basis or on a summary basis: with If the borrower(s) have income
from rental properties, you may enter Net Rental Income either on a detailed basis in the REO
segment or on a summary basis in the Income segment:
- Added sentence: For conventional loans, if you enter any summary Net Rental Income Amounts in
segment 05I in the Casefile, the Underwriting Engine will ignore detailed amounts for any REO
property.
- Modified sentence: If you enter detailed amounts for any REO property in the Casefile, the
Underwriting Engine will ignore any summary Net Rental Income Amounts entered in segment
05I. with For government loans, if you enter detailed amounts for any REO property in the
Casefile, the Underwriting Engine will ignore any summary Net Rental Income Amounts entered
in segment 05I.
Updated LNC-220 (MI Insurer Code) Field Information: Added 043=Essent Gauranty, Inc.
Updated PID-040 (Product Plan Number) Field Information for VA 1 Yr ARM code: Corrected VAYR1
to VA1YR
Updated Summary section 06S (Record ID: Undrawn HELOC and IPCs).
- Updated required conditionality for 06S (Record ID: Undrawn HELOC and IPCs) from <blank> to
X/Conditional, G/Conditional and added guideline, Required IF an Undrawn HELOC is associated
with the subject property.
- Deleted following guidance from 06S (Record ID: Undrawn HELOC and IPCs) Field Information:
Government: These values are not supported
- Updated required conditionality for 06S-020 (Applicant Social Security Number) and added: G/IRE
- Updated required conditionality for 06S-030 (Summary Amount Type Code) and added: X/IRE,
G/IRE
- Updated required conditionality for 06S-040 (Amount) and added: X/IRE, G/IRE
Per the DU 9.1 November release scheduled for November 16, 2013, please note the following changes:
Updated PCH-070 (Loan Repayment Type) with the following:
- Updated Field Information and added, (no longer supported after 11/16/2013) to value F2=Interest
Only
- Updated Required guidance and deleted, and F2 are and added, Per 9.1 Nov 2013 release,
DU will no longer support value F2.
Updated PID-040 (Product Plan Number) with the following:
- Updated Field Information and added, Per 9.1Nov 2013 Release, ARM Plan IDs related to Interestonly and 40-yr ARMS will still be accepted for import, but will cause an Out of Scope
recommendation.
- Updated Required guidance from For a complete list of all active ARM Index Codes, go to the
Additional Resources section of the Integration Guide on http://www.efanniemae.com to For a
complete list of all active ARM Index Codes, go to the Data Standards Supporting Resources
section of the Technology Integration webpage on
https://www.fanniemae.com/singlefamily/technology-integration
Updated 01A-080 (No. of Months) Field Information and added, " Per 9.1 Nov 2013 release, a value
greater than 360 will still be accepted for import, but will cause an Out of Scope recommendation."
Updated ARM-020 (ARM Index Value) Required guidance with the following:

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Date

Change

- Deleted: "Conditionally required for negatively amortizing and interest only ARM Plans."
- Added: Fannie Mae: Conditionally required for all ARM Plans: If value is not passed, an ineligible
message will be returned.
Updated ARM-040 (ARM Index Margin) Required guidance with the following:
- Deleted: "Conditionally required for negatively amortizing and interest only ARM Plans."
- Added: Fannie Mae: Conditionally required for all ARM Plans: If value is not passed, an ineligible
message will be returned.
Updated 08B-010 (Record ID: Declaration Explanations) Required conditionality from not required to
C/DU
Updated 08B-030 (Declaration Type Code) with the following:
- Updated Required conditionality from not required to C/DU
- Updated Required guidance and added, Per 9.1 Nov 2013 release, to instruct DU to disregard
deed-in-lieu of foreclosure and preforeclosure sale in the credit data, use EDI code: 93.
Updated 08B-040 (Declaration Explanation) with the following:
- Updated Required conditionality from not required to C/DU
- Updated Required guidance and added the following:
Per 9.1 Nov 2013 release, to instruct DU to disregard deed-in-lieu of foreclosure and
preforeclosure sale in the credit data, enter:
Confirmed CR DIL*
Confirmed CR PFS*
*Separate values by a comma when entering more than one item.

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

07/28/14

Additional changes to the specifications:


Updated 02E (Record ID: Down Payment) Field Information and added, This record identifies the
source(s) of down payment, NOT the amount of down payment available or required.
Updated 02E-020 (Down Payment Type Code) Field Information and added, While multiple 02E
segments can be passed to DU, only one instance of a FHA Gift Source and Amount is sent to the
FHA TOTAL Mortgage Scorecard. Please refer to the DUG July 2012 Release Notes, page 4, for
more information. Users should refer to the HUD guidelines to determine the appropriate FHA Down
Payment Type Code to use.
Updated 02E-030 (Down Payment Amount) Field Information from, greater than $0 if to,
equal to the sum of all gift assets listed in 06C
Updated 03B (Record ID: Dependents Age) Required conditionality from not required to
G/Conditional
Updated 03B-020 (Applicant Social Security Number) Required conditionality from not required to
G/IRE
Updated 03B-030 (Dependents Age) Required conditionality from not required to G/Conditional
Updated 04B-130 (Monthly Income) Field Information and deleted, A negative value is valid for this
segment.
Updated GOD-030 (VA Federal Tax Amount) Field Information guidance from (Federal, State,
Retirement/Social Security, or Other) to (Federal, State, Retirement/Social Security, and/or Other)
Updated LNC-220 (MI Insurer Code) Field Information and corrected spelling from Gauranty to
Guaranty
Updated LNC-230 (APR Spread) Field Information and added, ZZ.ZZ to indicate formatting
requirements for this field
Updated 01A-040 (Agency Case Number) Required conditionality from G to G/Conditional
Updated 01A-050 (Case Number) Required conditionality guidance and deleted, Conditionally
required for import
Updated PAI-020 (House Number) Required conditionality from X, G to X/Conditional,
G/Conditional

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Date

Change
Updated PAI-030 (Street Name) Required conditionality from X, G to X/Conditional, G/Conditional
Updated PAI-040 (Unit Number) Required conditionality from X, G to X/Conditional, G/Conditional
Updated 02E-020 (Down Payment Type Code) Field Information guidance:
- Changed EDI code 09 definition from 09=Bridge Loan to 09=Financing Secured by same
property
- Replaced, While multiple 02E segments can be passed to DU, only one instance of a FHA Gift
Source and Amount is sent to the FHA TOTAL Mortgage Scorecard......" with Each source of down
payment should be passed as a 02E segment to DU. Multiple occurances of the 02E segment can
be passed." AND Only one instance of a FHA Gift Source and Amount is sent to the FHA TOTAL
Mortgage Scorecard..."
Updated 02E-030 (Down Payment Amount) Field Information guidance and replaced, For FHA loan
submissions, the total amount needs to be equal to the sum of all gift assets listed in 06C any of the
following Down Payment Type Codes are used: H1, H3, H5 or H6. with For FHA loan submissions,
the total sum of the amount(s) passed in 02E-030 for the Down Payment Type Codes: H1, H3, H5
and/or H6, should equal the sum of all gift assets listed in 06C.
Updated 05I-030 (Type of Income Code) and deleted Field Information guidance: *The new income
values will be supported by DU on 10/20/2012 with the DU 9.0 Release. Systems should continue to
send these income sources to DU as Other Income until this release.
Updated Field # 07A-090 (h. Discount(if Applicant will pay) with the following:
- Updated the Data Stream name and replaced h. Discount (if Appicant will pay) with h. Discount
- Edited the Field Information guidance, Conventional: Enter the total amount of discount points
charged. Fannie Mae does not distinguish between Discount and Origination points. to Enter the
total amount of discount points charged. and Conventional: Fannie Mae does not distinguish
between Discount and Origination points.
- Deleted Field Information guidance, FHA/VA: This is the amount paid by the borrower.
- Deleted Required guiance, (Borrower paid only)
Updated 08B-030 (Declaration Type Code) Field Information guidanceby changing:
- Per 9.1 Nov 2013 release, to instruct DU to disregard deed-in-lieu of foreclosure and preforeclosure
sale in the credit data, use EDI code: 93. to To instruct DU to disregard deed-in-lieu of
foreclosure, preforeclosure sale and foreclosure information in the credit data, use EDI code: 93.
Updated 08B-040 (Declaration Explanation) Field Information guidance and added:
- Per 9.1.1 August 2014 update, to instruct DU to disregard the foreclosure information in the credit
data, enter:
- Confirmed CR FC Incorrect*
(Value overrides inaccurate foreclosure information)
- Confirmed CR FC EC*
(Value overrides foreclosure information due to extenuating circumstances)
Updated LNC-040 (Subject Property Type Code) with the following:
- Updated Field Information and deleted value: 11 = MH Select
- Updated Required guidance and added, Note: 11 is no longer valid
Updated PCH-070 (Repayment Type Code) Required conditionality guidance and revised from Only
N is supported by DU. Per 9.1 Nov 2013 release, DU will no longer support value F2. to, Only N
is supported by DU.
Updated GOB-020 (FHA Section of the Acts Codes) Field Information guidance and added missing
value of, 203(b)/251 = Basic Program, Purchase, Refis/ARM.
Updated LEA-020 (FHA Lender Identifier) Field Information guidance and replaced, 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. with Required if the loan type is
FHA. The FHA Lender Identifier is the originator making the U/W request. Submitted to the FHA
TOTAL Scorecard. FHA will validate Lender ID." and "Only pass FHA Lender Identifier if you are a
Direct Endorsement approved lender."
Updated LEA-030 (FHA Sponsor Identifier) Field Information guidance and replaced, "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." with
"Required if the loan type is FHA and the originator is not a Direct Endorsement approved lender.

2014 Fannie Mae. Trademarks of Fannie Mae.

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Date

Change
Submitted to the FHA TOTAL Scorecard. FHA will validate the Sponsor ID." and "Pass both the FHA
Sponsor ID (LEA-030) and the Sponsored EIN (LEA-040) if you are not a Direct Endorsement
approved lender."
Updated LEA-040 (Sponsored Originator EIN) Field Information guidance and added, Pass the
Sponsored EIN (LEA-040) and the FHA Sponsor Identifier (LEA-030) if you are not a Direct
Endorsement approved lender.
Updated LMD-020 (Metropolitan Statistical Area or County) as follows:
- Updated the Data Stream title from Metropolitan Statistical Area or County to County
- Changed Field Information guidance (MSA) A contiguous geographical area consisting of an urban
center city and its surrounding suburbs to Identifies the county in which the subject property is
located.
- Deleted Text must match the Metropolitan Statistical Area table provided by Fannie Mae.
Updated Net Rental Income supplemental information and updated the government loan
explanation, For government loans, if you enter detailed amounts for any REO property in the
Casefile, the Underwriting Engine will ignore any summary Net Rental Income Amounts entered in
segment 05I. with For government loans, the net rental amounts from the REO property is used in
the ratios and any summary Net Rental Income Amount entered in segment 05I is ignored.

2014 Fannie Mae. Trademarks of Fannie Mae.

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1003 Version 3.2 Residential Loan Data File Format and Requirements
This table defines the loan origination data found on the Uniform Residential Loan Application (Fannie Mae 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 is for a variety of business transactions, but
the information provided in this table is for underwriting and credit submissions.

How to Read the Data Format Tables


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

1003
Form
Sect

000-010

Data Stream

000

Pos

Len

Seg
Occ

Field Information

Record ID: File Identification

Required

The column headings for these tables are defined as:


Field # This is the reference number for the field. These reference numbers are unique across all datasets.
Section This is the corresponding section number from the Uniform Residential Loan Application (form 1003).
Data Stream Contains the record layout of the data. An example of one datastream within the 1003 dataset is
shown below.

00A-010

00A

00A-020

Top

The income or
assets

Y Yes
N No

00A-030

Top

The income or
assets...

Y Yes
N No

<N/L>

Record ID: Top of Form

End of record. Length=5

And the corresponding textual data file line:


00AYN
The datastream is a single line within a data file. The values within the line are:

The record ID: These three characters begin and identify the datastream. The first characters of the line must
appear as shown in the record ID line (shaded in the table above), for example 00A.
Variable data, depending upon the casefile and Fannie Mae requirements.
A <N/L> (new line) character. The <N/L> is the End of recordmarker if it consists of \r\n where \r is the C
language representation of ASCII value 13 (carriage return) and \n is the C language representation of ASCII
value 10 (line feed).

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

2014 Fannie Mae. Trademarks of Fannie Mae.

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Seg Occ This single character indicates the multiplicity/occurrences valid for each segment. This character is
populated in rows where the row is the segment header. The multiplicity values are:
S = Single Occurrence
M = Multiple Occurrences
SA = Single Occurrence per Applicant
Field Information Contains one or more of the following types of information about this field:

Textual notes about the field.


Defined format for the field. This format must be one of the following types:
- Text. Field contains free-form text.
- CCYYMMDD. Field contains a date, such as 19980415, meaning April 15, 1998.
- CCYY. Field contains a year field that includes the century, such as 1998.
- HH:MM. Field contains a time reference in Military terms, such as 13:21.
- -ZZZZZZZZZZZ.ZZ. Field is a numeric field with leading zeros suppressed.
- For these real values, no negative sign indicates a positive amount. The decimal point is a floating
decimal type used to specify the precision of a number. It can be positioned to contain more digits 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

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


X Required for Desktop Underwriter (DU) and Desktop Originator (DO) underwriting submissions
G Required for government submissions
CL Required for community lending programs
Conditional Required if condition is met
Credit Required for Credit only requests
IRE Required field if record exists,
e.g., if 02E segment is included in 1003, 02E-020 is a required field
EC - Indicates a field is used by the EarlyCheck service for one or more edits
X/EC - Indicates a field is required by the EarlyCheck service

2014 Fannie Mae. Trademarks of Fannie Mae.

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Residential Loan Data - Form 1003 Version 3.2 Data Format


Table RLF-1: Residential Loan Application Data Format
Field #
EH-010

1003 Sect
N/A

Data Stream
EH

Pos

Len

Seg
Occ
S

Field Information

Required

Record ID: Envelope Header

X, G, Credit, X/EC
Highly Recommended

EH-020

N/A

Institution ID

Fannie Mae Defined Institution ID.


This field is required to resubmit
loans to the appropriate institution.
If not provided the default institution
for the userid will be used. If this
institution differs from the original
submission, an exception will
occur.

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

Text
User Supplied on Import.
System Generated on Export
End of record- EH Length=54

<N/L>
TH-010

N/A

TH

Record ID: Transaction Header

X, G, Credit, X/EC

TH-020

N/A

Transaction ID

11

T100099-002

X, G, Credit, X/EC

Text

X, G, Credit., X/EC

TH-030

N/A

Transaction Control
Number

15

User Supplied on Import.


System Generated on Export
End of record- TH Length=23

<N/L>

Record ID: Transaction


Processing Info

X, G, Credit, X/EC

Version = 1.00

X, G, Credit, X/EC

Fannie Mae CasefileID = 01

X, G, Credit

TPI-010

N/A

TPI

TPI-020

N/A

Version ID

TPI-030

N/A

Identifier Type Code

Mandatory for import if field TPI050 = R


TPI-040

N/A

Identifier

11

ID

30

Populated with Fannie Mae


Casefile ID if TPI-030 = 01
TPI-050

N/A

Import Action Indicator

41

R = Resubmit
N = New Import

000

Record ID: File Identification

X, G, Credit, X/EC

1 = 1003

X, G, Credit., X/EC
X, G, Credit, X/EC

000-020

File Type

000-030

File Version ID

File Version =3.20

000-040

Export Version Indicator

12

Field use for Export only.


Version Indicator:
W = Working Copy

<N/L>

2014 Fannie Mae. Trademarks of Fannie Mae.

X, G

End of Record, Length = 41

<N/L>
000-010

X/Conditional,
G/Conditional:
Required for resubmit:
TPI-050 = R

End of record. Length=12

RLD - 14 of 68

Field #

1003 Sect

00A-010
00A-020

Top

Data Stream

Pos

Len

Seg
Occ

00A

The income or assets of a


person other than the
borrower (including the
borrowers spouse) will be

Y Yes
N No

Y Yes
N No

Field Information

Required

Record ID: Top of Form

used as a basis for loan


qualification.
00A-030

Top

The income or assets of


the borrowers spouse will
not be used as a basis for
loan qualification, but
his/her liabilities must be
considered because the
borrower resides in a
community property state,
the security property is
located in a community
property state, or the
borrower is relying on
other property located in a
community property state
as a basis for repayment
of the loan.

End of record. Length=5

<N/L>
01A-010

01A

01A-020

Mortgage Applied For

Record ID: Mortgage Type and


Terms
EDI Data Element 1093:
01 = Conventional
02 = VA
03 = FHA
04 = USDA / Rural Housing
Service
07 = Other

X, G, Credit
X, G
Government Loans:
Must send 02 for VA
or 03 for FHA.
X/EC:
EarlyCheck: Required
for DU Compare.

Government Loans:
Code value must be 02 or 03 only.
Community Lending Loans:
Code value cannot be 02 or 03.
01A-030

Mortgage Applied For


(Other)

80

Text
Specify value if field
#01A-020 is Other
NOT REQUIRED

01A-040

Agency Case Number

86

30

Certificate number for the FHA


insurance or the VA guaranty of a
mortgage.
Text

G/Conditional
The Agency Case
number will be required
on at least the final
submission for the FHA
TOTAL Scorecard.

Government Loans: If the loan


type is FHA, enter the appropriate
eleven-digit FHA case number in
this field.
Format: XXX-XXXXXXX

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Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

If the loan type is VA, enter the


appropriate VA case number in this
field.
01A-050

Case Number

116

Alphanumeric
The lender or originator can specify
any alphanumeric loan identifier in
this field. Do not use special
characters: < ,>, &, , , %.

15

X/EC

If not specified, the system will


default the field to Unassigned.
01A-060

Loan Amount

131

The base loan amount (without


upfront MIP or financed funding
fee).

15

X, G
EC

ZZZZZZZZZZZZ.ZZ
01A-070

Interest Rate

146

The rate at which the mortgage is


amortized.

X, G
EC

ZZZ.ZZZ
01A-080

No. of Months

153

Amortization Term

X, G

EC

Per 9.1 Nov 2013 release, a value


greater than 360 will still be
accepted for import, but will cause
an Out of Scope recommendation.
01A-090

Amortization Type

156

EDI Data Element 1085:


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

X, G
Government Loans:
For VA and FHA valid
codes include 01 and
05.
EC

01A-100

Amortization Type Other


Explanation

158

Text

80

Specify value if field


#01A-090 is Other
NOT REQUIRED
01A-110

ARM Textual Description

238

Text

80

Specify value if field


#01A-090 is ARM
NOT REQUIRED
End of record. Length=317

<N/L>
02A-010
02A-020

II

02A

Property Street Address

50

Record ID: Property Information

X, G

The first and second lines of the


address of the subject property.

G/Conditional,
X/Conditional:
Not required for prequalification;
Required for final
underwriting.
You must populate the
Unit Number (if
applicable) in the 02A-

Text
Note: This may differ from the
mailing address of the property.

2014 Fannie Mae. Trademarks of Fannie Mae.

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Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required
020 Property Street
Address.
(e.g. 19991 East
Eubank Street #250)
EC

02A-030

II

Property City

54

The name of the municipality in


which the subject property is
located.

35

Text

G/Conditional
X/Conditional:
Not required for prequalification;
Required for final
underwriting.
EC

02A-040

02A-050

II

II

Property State

Property Zip Code

89

91

X, G
Must be a valid State
Abbreviation

The state, commonwealth or


territory in which the subject
property is located.
Text

EC

X/Conditional,
G/Conditional:
Conventional and VA:
Not required for prequalification;
Required for final
underwriting.

A valid zip code/state combination


is required.

Required for FHA loans;


zip code will be used to
derive the applicable
county loan limit
information.
EC
02A-060

II

Property Zip Code Plus


Four

96

EC

02A-070

II

No. of Units

100

X, G
EC

A number greater than one (1). If


greater than four (4), DU will return
an Out of Scope
recommendation.
02A-080

II

Legal Description of
Subject Property Code

103

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

CCYY

EC

Value must be less than or equal to


Current Year + 1.
End of record. Length=188

<N/L>
PAI-010

PAI

Record ID: Property Address


Information
Segment is optional. If provided it

2014 Fannie Mae. Trademarks of Fannie Mae.

Not Required. All


systems should support
this segment to prevent
the loss of data when a
RLD - 17 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

will be used instead of the single


address element (02A-020).

user imports/exports a
1003 file between
systems.
X/Conditional,
G/Conditional
Required if 02A-020 is
not populated.

PAI-020

House Number

11

Text

PAI-030

Street Name

15

40

Text

EC

Contains pre-directional (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

Text
Does not contain Unit Type (e.g.
APT, UNIT, #)

X/Conditional,
G/Conditional
Required if 02A-020 is
not populated.
EC
X/Conditional,
G/Conditional
Required if applicable
and if 02A-020 is not
populated.
EC

End of record. Length=65

<N/L>
02B

02B-020

Reserved for Future Use

Unused, pad with spaces

Purpose of Loan

Identifies the reason loan is


needed.

02B-030

II

Record ID: Purpose of Loan

02B-010

EDI Element 1081:


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

Purpose of Loan (Other)

80

X, G
X, G
Government Loans:
For VA or FHA valid
fields include 05 and 16.
For FHA ConstructionPerm loans, populate
16.
EC

Text

02B-040
Specify value if field
#02B-030 is Other
NOT REQUIRED
02B-050

II

Property will be

88

Identifies the type of residence of


the subject property.
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

Defines the property rights of the


owner.

X, G
Government Loans:
For VA or FHA valid
Codes = 1.
EC

Fannie Mae Property Rights


Codes:
1- Fee Simple
2 Leasehold

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Field #
02B-080

1003 Sect
II

Data Stream

Pos

Len

(Estate will be held in)


Leasehold expiration date

150

Seg
Occ

Field Information

Required

The expiration date of the


Leasehold, if applicable.
CCYYMMDD
End of record. Length=157

<N/L>
02C-010
02C-020

II

02C

Titleholder Name

60

Text
End of record. Length=63

<N/L>
02D-010

02D

Record ID: Title Holder

Record ID: Construction or


Refinance Data

X/Conditional,
G/Conditional:
Conventional Loans:
Complete ONLY if
Purpose of Loan (field
#02B-030) is
Construction or
Refinance
Government Loans:
Construction loans are
not currently available.
Complete segment only
if purpose of loan is
Refinance.

02D-020

II

Year Lot Acquired


(Construction) or Year
Acquired (Refinance)

Calendar year in which the site of


the home to be built was
purchased.
CCYY

02D-030

II

Original Cost (Construction


or Refinance)

15

Original cost of acquiring the site


on which the home will be built.

02D-040

II

Amount Existing Liens


(Construction or
Refinance)

23

15

Total amount of liens against the


site at the time of application for the
loan.

02D-050

II

(a) Present Value of Lot

38

15

Market value of the site at the time


of application for the loan.

ZZZZZZZZZZZZ.ZZ

ZZZZZZZZZZZZ.ZZ

ZZZZZZZZZZZZ.ZZ
Specify value if field #02B-030 is
Construction
NOT REQUIRED
02D-060

II

(b) Cost of Improvements

53

15

Total cost of improvements to be


made to the site.
ZZZZZZZZZZZZ.ZZ
Specify value if field
#02B-030 is Construction
NOT REQUIRED

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 19 of 68

Field #
02D-070

1003 Sect
II

Data Stream
Purpose of Refinance

Pos

Len

68

Seg
Occ

Field Information
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

Required
X/Conditional,
G/Conditional:
Required if field 02B030 is 05 for
Refinance.
Conventional Loans:
F1 = No Cash-Out is
not supported by DU.
Conventional No CashOut loans should be
submitted as a Limited
Cash-Out.
Government Loans:
F1 is a supported value.
EC

02D-080

II

Describe Improvements

70

Text

80

Specify value if field #02D-070 is


Home Improvement
NOT REQUIRED
02D-090

II

(Describe Improvements)
made/ to be made

150

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

Dollar amount of home


improvements associated with
property.

15

ZZZZZZZZZZZZ.ZZ
Specify value if field
#02D-070 is Home Improvement
NOT REQUIRED
End of record. Length=165

<N/L>
02E-010

02E

Record ID: Down Payment


This record identifies the
source(s) of down payment,
NOT the amount of down
payment available or required.

02E-020

II

Down Payment Type


Code

Fannie Mae: Required for VA


Purchase loans. Required for FHA
loans when gift(s) is used as the
down payment source.
A code identifying the source of a
down payment.

X/IRE
G/IRE

EDI Data Element 1083:


F1 = Checking/Savings
F2 = Deposit on Sales Contract
2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 20 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

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 =Financing Secured by same
property
01 = Unsecured Borrowed Funds
F6 = Trust Funds
F7 = Retirement Funds
11 = Rent with option to purchase
F8 = Life insurance cash value
14 = Sale of Chattel
07 = Trade Equity
06 = Sweat Equity
02 = Cash on Hand
13 = Other
28 = Secured Borrowed Funds
H0 = FHA Gift Source N/A
H1 = FHA Gift Source Relative
H3 = FHA Gift Source
Government Assistance
H6 = FHA Gift Source
Employer
H4 = FHA Gift Source
Nonprofit/Religious/Communit
y Seller Funded
H5 = FHA Gift Source
Nonprofit/Religious/Communit
y Non-Seller Funded
04and H0 should NOT be used
for FHA loans. Per HUD
guidelines, H4 is NOT supported
and will result in an Error message
or Ineligible recommendations.
Each source of down payment
should be passed as a 02E
segment to DU. Multiple
occurances of the 02E segment
can be passed.
Only one instance of a FHA Gift
Source and Amount is sent to the
FHA TOTAL Mortgage Scorecard.
Please refer to the DUG July 2012
Release Notes, page 4, for more
information. Users should refer to
the HUD guidelines to determine
the appropriate FHA Down
Payment Type Code to use.

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 21 of 68

Field #
02E-030

1003 Sect
II

Data Stream
Down Payment Amount

Pos

Len

15

Seg
Occ

Field Information
The amount of funds for a down
payment from a single source.

Required
G/IRE

ZZZZZZZZZZZZ.ZZ
For FHA loan submissions, the
total sum of the amount(s) passed
in 02E-030 for the Down Payment
Type Codes: H1, H3, H5 and/or
H6, should equal the sum of all gift
assets listed in 06C.
02E-040

II

Down Payment
Explanation

21

A brief comment, explaining the


source of the down payment item.

80

Text
End of record. Length=100

<N/L>
03A-010
03A-020

III

03A

Applicant / Co-Applicant
Indicator

SA

Record ID: Applicant(s) Data

X, G, Credit

A code that indicates if this


information is for the applicant or
co-applicant.

X, G, Credit

BW = Applicant
QZ = Co-Applicant
03A-030

III

Applicant Social Security


Number

Unique number assigned by the


United States Social Security
Administration that identifies the
applicant.

X/EC
EarlyCheck: Required
for DU Compare.
X, G, Credit
X/EC
EarlyCheck: Required
for DU Compare.

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

X, G, Credit
EC

03A-070

III

Applicant Generation

120

Text

X/Conditional:
Required if Applicable to
Casefile

The name suffix of the borrower.


(E.g., JR, SR, II, III, IV or V)
03A-080

III

Home Phone

124

10

03A-090

III

Age

134

The age in years of the applicant

03A-100

III

Yrs. School

137

The number of years that the


applicant attended school.
Includes grades 1-12, as well as,
college

03A-110

III

Marital Status

139

EDI Data Element 1067:


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

X, G, Credit
EC

EC

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 22 of 68

Field #
03A-120

1003 Sect
III

Data Stream
Dependents (no.)

Pos

Len

140

Seg
Occ

Field Information
The number of dependents of the
applicant.

Required
G
Required for a VA loan

n
03A-130

III

Completed Jointly/Not
Jointly

142

A code that indicates whether the


applicant /co-applicant completed
the application jointly with the
associated applicant/co-applicant.

Y = Yes
N = No
X/EC
EarlyCheck: Required
for DU Compare.

03A-140

III

Cross-Reference Number

143

Social Security Number of


applicant /co-applicant whose
Assets/ Liabilities are reported
jointly.

03A-150

III

Date of Birth

152

Applicant data of birth

CCYYMMDD

EC

03A-160

III

Email Address

160

Applicant email address

80

<N/L>

03B

03B-010

03B-020

III

Applicant Social Security


Number

End of record. Length=239


1

Record ID: Dependents Age.


Specify if field 03A-120 is >0.
Number of occurrences must equal
value in Field 03A-120.
Social Security Number of
applicant whose dependents age
is being entered.

G/Conditional

G/IRE

n
03B-030

III

Dependent's Age

13

Age of the dependent for the


applicant.

G/Conditional

n
End of record. Length=15

<N/L>
03C

Record ID: Applicant(s) Address

X, G, Credit

03C-020

III

Applicant Social Security


Number

Social Security Number of


applicant whose address is being
entered.

X, G, Credit

03C-030

III

(Present/Former)

13

F4 = Former Residence
ZG = Present Address
BH = Mailing Address

03C-040

III

Residence Street Address

15

50

The first and second lines of the


address of the residence property.

03C-010

n
X, G, Credit
BH is not required. It
only appears if mailing
address is different from
Present address. A
borrower is limited to
one mailing address.
EC

2014 Fannie Mae. Trademarks of Fannie Mae.

X/Conditional,
G/Conditional,
Credit/Conditional:

RLD - 23 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information
Text
Note: This may be different from
the mailing address of the property.

03C-050

III

Residence City

65

The name of the municipality in


which the property is located.

35

Text

Required
Required if field 03C030 is Present Address
EC
X/Conditional,
G/Conditional,
Credit/Conditional:
Required if field 03C030 is Present Address
EC

03C-060

III

Residence State

100

The state, commonwealth or


territory in which the property is
located.

Text

X/Conditional,
G/Conditional,
Credit/Conditional:
Required if field 03C030 is Present Address
EC

03C-070

III

Residence Zip Code

102

The mail zone of the property.

X/Conditional,
G/Conditional,
Credit/Conditional:
Required if field 03C030 is Present Address
EC

03C-080

III

Residence Zip Code Plus


Four

107

The mail sub zone of the property.

03C-090

III

Own/Rent/Living Rent
Free

111

Identifies if the applicant is renting


this residence or if he owns it.

EC

EDI Data Element 1078:


X = Living Rent Free
R = Rent
O = Own
03C-100

III

No. Yrs.

112

03C-110

III

No. Months

114

Only 1 through 11 are valid.


03C-120

Country

116

Only applicable for Mailing


Address.

50

End of record. Length =165

<N/L>
04A

IV

Applicant Social Security


Number

04A-030

IV

Employer Name

13

35

Text

04A-040

IV

Employer Street Address

48

35

The first and second lines of the


address of the employer.

04A-010

04A-020

SA

Record ID: Primary Current


Employer(s)
n

X, G
Required if applicable to
casefile
X/IRE,
G/IRE

Text
Note: This may be different from
the mailing address of the property.

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 24 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

04A-050

IV

Employer City

83

35

Text

04A-060

IV

Employer State

118

Text

04A-070

IV

Employer Zip Code

120

04A-080

IV

Employer Zip Code Plus


Four

125

04A-090

IV

Self Employed

129

An indication of whether or not the


applicant is/was self-employed
during the particular employment
period.

Required

X/IRE,
G/IRE

Y = Yes
N = No
04A-100

IV

Yrs. on this job

130

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.

X/IRE,
G/IRE

n
04A-110

IV

Months on this job

132

The number of months beyond the


most recent completed full year of
employment the applicant is/has
been employed by the employer.

The total number of years the


applicant has worked in the
industry or the position.

X/IRE,
G/IRE

n
04A-120

IV

Yrs. employed in this line


of work/profession

134

n
04A-130

IV

Position / Title / Type of


Business

136

25

Text

04A-140

IV

Business Phone

161

10

n
End of record. Length=170

<N/L>
04B-010

04B

Record ID: Secondary/Previous


Employer(s)

The social security number of the


applicant entered in the
Secondary/Previous Employer(s).

04B-020

IV

Applicant Social Security


Number

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

Text

04B-070

IV

Employer Zip Code

120

04B-080

IV

Employer Zip Code Plus


Four

125

X /Conditional,
G/Conditional:
Required if Secondary
or Previous
Employment entered
X/IRE,
G/IRE

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 25 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

04B-090

IV

Self Employed

129

Y = Yes
N = No

G/Conditional
X/Conditional:
If Current Employment,
04B-100 = Y

04B-100

IV

Current Employment Flag

130

Y = Current Employment
N = Previous Employment

X/IRE,
G/IRE

04B-110

IV

From Date

131

CCYYMMDD

X/IRE,
G/IRE

04B-120

IV

To Date

139

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
End of record. Length=196

<N/L>
05H-010

05H

Record ID:
Present/Proposed Housing
Expense

X, G
Required for Proposed
Housing Expense.

Only for Applicants where the


Applicant/Co-Applicant Indicator =
Applicant (Field 03A-020 = BW).
Proposed Housing Expense
applicable for subject property only.

05H-020

Applicant Social Security


Number

05H-030

Present/Proposed
Indicator

13

Conventional Loans: For


Second Homes/Investment
property transactions, you must
ensure that the borrowers total
monthly primary residence housing
expense including principal,
interest, hazard insurance, real
estate taxes, mortgage insurance
and HOA dues are entered as both
a housing expense AND included
as a liability. For more information,
refer to the DU Training Quick
Steps for Entering housing
expenses for second
homes/investment properties.
n

X/IRE,
G/IRE
EC

2014 Fannie Mae. Trademarks of Fannie Mae.

A code that indicates whether the


housing expense is for the
applicant's current financial
situation or for the proposed
situation after purchase of the
home.

X/IRE,
G/IRE
EC

RLD - 26 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

1 = Present Housing Expense


2 = Proposed Housing Expense
05H-040

Housing Payment Type


Code

14

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

X/IRE,
G/IRE
EC

Fannie Mae: Ground Rent is not


supported. Send as Other (23).
Proposed Rent 05H-030=2 and
05H-040=Rent (25) is an
invalid combination and is not
supported by DU.
05H-050

Housing Payment Amount


(Monthly Housing Exp.)

16

ZZZZZZZZZZZZ.ZZ

15

X/IRE,
G/IRE
EC

End of record. Length=30

<N/L>
05I-010

05I

Record ID: Income

05I-020

Applicant Social Security


Number

05I-030

Type of Income Code

13

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

G,X/Conditional:
Segment required for
each type of Income
1 record with Type of
Income Code = 33 (Net
Rental Income) required
if applicable and not
detailed in REO records
(06G) with Net Rental
Income > 0.
X/IRE,
G/IRE
EC

2014 Fannie Mae. Trademarks of Fannie Mae.

X/IRE,
G/IRE
EC

RLD - 27 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

42 = Social Security/Disability
Income
30 = Real Estate/Mortgage
Differential
F9 = Trust Income
M1 = Unemployment/Public
Assistance
M2 = Automobile/Expense
Account Income
M3 = Foster Care
M4 = VA Benefits (non-education)
45 = Other Income
20 = Base Employment Income
09 = Overtime
08 = Bonuses
10 = Commissions
17 = Dividends/Interest
SI = Subject Property Net Cash
Flow
33 = Net Rental Income **
BI = Boarder Income
MC = Mortgage Credit Certificate
(MCC)
CG = Capital Gains*
EA = Employment Related Assets*
FI = Foreign Income*
RP = Royalty Payment*
SE = Seasonal Income*
TL = Temporary Leave*
TI = Tip Income*
*New income values are only
supported by DU and should not
be sent for FHA or VA loans.
**Net Rental Income can be
entered in the Income or REO
segment. Please review the
information on page 65, Net Rental
Income.
05I-040

Income Amount (Monthly


Income)

15

ZZZZZZZZZZZ.ZZ

15

All primary and secondary


employment income must be
combined and entered as a total in
this field. A negative value is valid.

06A-020

VI

Applicant Social Security


Number

Record ID: For all asset types,


enter data in the 06C assets
segment.
n

06A-030

VI

Cash deposit toward


purchase held by

13

35

Text

06A

2014 Fannie Mae. Trademarks of Fannie Mae.

EC

End of record. Length=29

<N/L>
06A-010

X/IRE,
G/IRE

Do not use. Record


data in 06C.
Do not use. Record
data in 06C.
Do not use. Record
data in 06C.

RLD - 28 of 68

Field #
06A-040

1003 Sect
VI

Data Stream
Cash or Market Value

Pos

Len

48

15

Seg
Occ

Field Information
ZZZZZZZZZZZZ.ZZ

Required
Do not use. Record
data in 06C.

This value must also be entered in


segment 07B as: 'Other Credits'
End of record. Length=62

<N/L>
06B-010

06B

Record ID: Life Insurance

VI

Applicant Social Security


Number

06B-030

VI

Acct. no.

13

30

Text

06B-040

VI

Life Insurance Cash or


Market Value

43

15

The applicant reported amount of


U.S. dollars to be received if the
asset were sold at time of
transaction.

06B-050

VI

Life insurance Face


Amount

58

15

The amount the insurer will pay in


the event of the death of the
applicant.

06B-020

ZZZZZZZZZZZZ.ZZ

ZZZZZZZZZZZZ.ZZ
End of record. Length=72

<N/L>
06C-010

06C

Record ID: Assets

06C-020

VI

Applicant Social Security


Number

06C-030

VI

Account/Asset Type

13

A code uniquely identifying a


category or class of items that have
value in the market considered
when determining the net worth of
the Applicant.

G,
X/Conditional
X/IRE,
G/IRE
X/IRE,
G/IRE

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

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 29 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

06C-040

VI

Depository/Stock/Bond
Institution Name

16

35

Text
Do not specify value if field #06C030 is Other

06C-050

VI

Depository Street Address

51

35

Text
Do not specify value if field #06C030 is Other

06C-060

VI

Depository City

86

35

Text
Do not specify value if field #06C030 is Other

06C-070

VI

Depository State

121

Text
Do not specify value if field #06C030 is Other

06C-080

VI

Depository Zip Code

123

n
Do not specify value if field #06C030 is Other

06C-090

VI

Depository Zip Code Plus


Four

128

n
Do not specify value if field #06C030 is Other

06C-100

VI

Acct. no.

132

30

Text
Do not specify value if field #06C030 is Other

06C-110

VI

Cash or Market Value

162

15

The applicant reported amount of


U.S. dollars to be received if the
asset were sold at the time of
transaction.

Required

X/IRE,
G/IRE

ZZZZZZZZZZZZ.ZZ
If Account/Asset Type Code 06C030= 'F1' (Cash Deposit On Sales
Contract) then this value must also
be entered in segment 07B as
"Other Credits.
06C-120

VI

Number of Stock/Bond
Shares

177

Integer identifying the no. of shares


of stock and bonds applicant owns.

06C-130

VI

Asset Description

184

80

Describes if asset is stock, bond or


other.

Text
06C-140

Reserved for Future Use

264

Unused, pad with space

06C-150

Reserved for Future Use

265

Unused, pad with spaces


End of record. Length=266

<N/L>
06D-010

Record ID: Automobile(s)

06D

06D-020

VI

Applicant Social Security


Number

06D-030

VI

Automobile Make/ Model

13

30

Name given to a class of


automobiles by the manufacturer
to identify the particular product
line.

X/IRE,
G/IRE

Text
06D-040

VI

Automobile Year

2014 Fannie Mae. Trademarks of Fannie Mae.

43

Model year of the automobile or


the year the automobile

RLD - 30 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

manufacturer introduced the


version of the model for sale to the
general public.
CCYY
06D-050

VI

Cash or Market Value

47

Applicant reported amount of U.S.


dollars to be received if the asset
was sold at the time of transaction.

15

ZZZZZZZZZZZZ.ZZ
End of record. Length=61

<N/L>
06F-010

06F

Record ID: Alimony, Child


Support/ Separate Maintenance
and/or Job Related Expense(s)

X/Conditional
G/Conditional:
Required if Alimony,
Child Support/
Maintenance and/or Job
Related Expense(s)
exist.
X/IRE,
G/IRE

06F-020

VI

Applicant Social Security


Number

06F-030

VI

Expense Type Code

13

EDI Data Element:


DR = Alimony
DT = Child Support
DV = Separate Maintenance
Payment
DZ = Job Related Expense
EE = Other Expense Type

X/IRE,
G/IRE

Dollar amounts which must be paid


monthly to pay down the liability
and keep the account current.

X/IRE,
G/IRE

EC

06F-040

VI

Monthly Payment Amount

16

15

EC

EC
ZZZZZZZZZZZZ.ZZ
06F-050

VI

Months Left to Pay

31

Number of months the applicant


must continue to make monthly
payments to fully and satisfactorily
pay off the liability.

60

Identifies to whom Alimony/ Child


Support/ Separate Maintenance is
owed.

n
06F-060

VI

Alimony/ Child Support/


Separate Maintenance
Owed To

34

Text
Specify value if field #O6F-030 is
Child Support/ Alimony not
required
End of record. Length=93

<N/L>
06G-010

06G

2014 Fannie Mae. Trademarks of Fannie Mae.

Record ID: Real Estate Owned

X/Conditional,
G/Conditional:
Required if Real Estate
Owned

RLD - 31 of 68

Field #
06G-020

1003 Sect
VI

Data Stream
Applicant Social Security
Number

Pos

Len

Seg
Occ

Field Information
n
Note : The SSN associated to a
property in the REO section must
match the SSN of the account
owner of the liability matched to
that property

Required
X/IRE,
G/IRE
EC

First and second lines of the


address of the property.

06G-030

VI

Property Street Address

13

35

06G-040

VI

Property City

48

35

Text

06G-050

VI

Property State

83

Text

06G-060

VI

Property Zip Code

85

EC

06G-070

VI

Property Zip Code Plus


Four

90

EC

06G-080

VI

Property Disposition

94

Code indicating the property's


future use.

X/IRE,
G/IRE

EDI Data Element 1075:


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

EC

Text

06G-090

VI

Type of Property

95

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 NonResidential
F1 = Mixed Use Residential
05 = Farm
03 = Home and Business
Combined
07 = Land

06G-100

VI

Present Market Value

97

15

Value of the property if it were sold


today.

06G-110

VI

Amount of Mortgages &


Liens

112

15

Applicant reported total amount of


all remaining mortgages and liens
against the property.

06G-120

VI

Gross Rental Income

127

15

Amount of revenue generated by


the property from rent on a monthly
basis.

G/IRE

ZZZZZZZZZZZZ.ZZ
X/IRE,
G/IRE

ZZZZZZZZZZZZ.ZZ
X/Conditional,
G/Conditional:
Specify if filed 06G-080
is Rental (R)

ZZZZZZZZZZZZ.ZZ
EC

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 32 of 68

Field #
06G-130

1003 Sect
VI

Data Stream
Mortgage Payments

Pos

Len

142

15

Seg
Occ

Field Information
Total monthly payment made on
outstanding mortgages and liens
against the property.

Required
X/Conditional,
G/Conditional:
Specify if field 06G-110
greater than 0

ZZZZZZZZZZZZ.ZZ
EC
06G-140

VI

Insurance, Maintenance
Taxes & Misc.

157

15

Monthly expense on the property


for property taxes, maintenance
and insurance.

X/IRE
EC

ZZZZZZZZZZZZ.ZZ
06G-150

VI

Net Rental Income

172

15

The amount of the rental income


that is net of mortgage payments,
insurance, maintenance, taxes,
and miscellaneous property
expenses. If this field is not
populated, then Desktop
Underwriter will calculate it based
on a vacancy factor. If the number
is positive, it will be added to the
qualifying income; if it is negative, it
will be considered a liability and
included in the total expense ratio
calculation.

G/IRE
EC

-ZZZZZZZZZZZ.ZZ
Net rental calculation is:
(gross rental x .75)- P&I Maintenance
**Net Rental Income can be
entered in the Income or REO
segment. Please review the
information on page 60, Net Rental
Income.
06G-160

VI

Current Residence
Indicator

187

Indicates whether the applicant


currently resides at the Real Estate
Owned.

X/IRE,
G/IRE
EC

Y = Current Residence
N = Not Current Residence
06G-170

VI

Subject Property Indicator

188

Indicates whether the REO is the


property which will secure the loan
applied for.

X/IRE,
G/IRE
EC

Y = Yes
N = No
06G-180

VI

REO Asset ID

189

Starting with the value of 1,


increment for each 06G record
created. No Duplicates.

X/IRE,
G/IRE
EC

Note: May not be sequential on


export.
06G-190

Reserved for Future Use


<N/L>

2014 Fannie Mae. Trademarks of Fannie Mae.

191

15

Unused, pad with spaces


End of record. Length=205

RLD - 33 of 68

Field #

1003 Sect

06H-010

Data Stream
06H

Pos

Len

Seg
Occ
M

Field Information

Required

Record ID: Alias


Borrower or Co-Borrower cannot
have duplicate aliases.
n

06H-020

VI

Applicant Social Security


Number

06H-030

VI

Alternate First Name

13

35

Another first name that the


applicant may have used
previously.

06H-040

VI

Alternate Middle Name

48

35

Another middle name that the


applicant may have used
previously.

06H-050

VI

Alternate Last Name

83

35

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-060

VI

Unused

118

35

Unused, pad with spaces

06H-070

VI

Unused

153

30

Unused, pad with spaces

X/IRE

Text

Text

Text

End of record. Length=182

<N/L>
06L-010

06L-020

VI

06L

Applicant Social Security


Number

Record ID: Liabilities

The social security number of the


applicant entered in the Liabilities
segment.

X/IRE,
G/IRE
Note: Liabilities can be
auto-populated from the
credit report.
X/IRE,
G/IRE
EC

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

2014 Fannie Mae. Trademarks of Fannie Mae.

13

A code uniquely identifying a


category or class of debts.

X/IRE,
G/IRE

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

EC

RLD - 34 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

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

Text

06L-080

VI

Creditor Zip Code

122

06L-090

VI

Creditor Zip Code Plus


Four

127

06L-100

VI

Acct. no.

131

30

Text

15

The dollar amounts, which must be


paid monthly by the applicant, to
pay down the liability and keep the
account current.

06L-110

VI

Monthly Payment Amount

161

X/IRE,
G/IRE
EC

ZZZZZZZZZZZZ.ZZ.
06L-120

VI

Months Left to Pay

176

The number of months the


applicant must continue to make
monthly payments to fully and
satisfactorily pay off the liability.

06L-130

VI

Unpaid Balance

179

15

The unpaid balance of the liability


at the time the loan application was
completed.

EC

n
X/IRE,
G/IRE
EC
ZZZZZZZZZZZZ.ZZ
06L-140

VI

Liability will be paid prior to


closing

194

A code indicating whether the


liability will be paid off at or before
closing.

EC

Y = Yes
N = No
06L-150

VI

REO Asset ID

195

n
This value must match to the
corresponding value of field #06G180.

X/Conditional:
Required if 06L-030 is
Home Equity Line or
Credit of Mortgage
EC

06L-160

Resubordinated Indicator

197

Indicates whether the liability will


be re-subordinated to the loan after
closing.

EC

Y = Yes
N = No
06L-170

Omitted Indicator

198

Indicates whether a liability listed


on the credit report should be
omitted from the liabilities
calculation because of duplication
or misrepresentation.

EC

Y = Yes
N = No

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 35 of 68

Field #
06L-180

1003 Sect
VI

Data Stream

Pos

Len

Subject Property Indicator

199

Seg
Occ

Field Information
Indicates whether the liability is
associated with the subject
property and is required to be
either paid off or re-subordinated.

Required
EC

Y = Yes
N = No
06L-190

VI

Rental Property Indicator

200

Indicates whether the liability is


associated with a rental property
and the monthly payment is
already included in the calculation
of the net rental income.

EC

Y = Yes
N = No
End of record, Length = 200

<N/L>
06S-010

06S

Record ID: Undrawn HELOC


and IPCs

X/Conditional,
G/Conditional:
Required IF an
Undrawn HELOC is
associated with the
subject property.

06S-020

VI

Applicant Social Security


Number

X/IRE
G/IRE

06S-030

VI

Summary Amount Type


Code

13

A code identifying an Undrawn


HELOC and/or IPCs.

X/IRE
G/IRE

HMB = Undrawn HELOC


Amount
SCA = IPCs: Excess Financing
Concessions or Sales
Concessions Amount
See Fannie Mae and EDI Code
Conversions Table for Element
522.
06S-040

VI

Amount

16

ZZZZZZZZZZZZ.ZZ

15

X/IRE
G/IRE

For HMB (Undrawn HELOC


Amount) the amount is related to
the subject property
and should only be entered
once. If the primary borrower
and co-borrower
are borrowers for the same
HELOC, it should only appear
once for the primary borrower. If
there are multiple undrawn
HELOC amounts, the sum of all
HELOCs should appear once
under the primary borrower.
End of record. Length=30

<N/L>
07A-010

07A

2014 Fannie Mae. Trademarks of Fannie Mae.

Record ID: Details of Transaction

X, G

RLD - 36 of 68

Field #
07A-020

1003 Sect
VII

Data Stream
a. Purchase price

Pos

Len

15

Seg
Occ

Field Information
The amount of money that the
property will be purchased for.
ZZZZZZZZZZZZ.ZZ

Required
X/Conditional,
G/Conditional:
Required if Purpose of
Loan 02B-030 = 16
Purchase
EC

07A-030

VII

b. Alterations,
improvements, repairs

19

15

The cost of any alterations,


improvements, and repairs on the
property.

X/Conditional,
G/Conditional:
Required if applicable to
Casefile

ZZZZZZZZZZZZ.ZZ
EC
07A-040

07A-050

VII

VII

c. Land

d. Refinance (Inc. debts to


be paid off)

34

49

15

The cost of the land for the


property; This will only be collected
if the land was acquired separately
from the property.

X/Conditional,
G/Conditional:
Required if applicable to
Casefile

ZZZZZZZZZZZZ.ZZ

EC

15

The cost to the applicant that is


associated with refinancing a
mortgage loan on a property.

X/Conditional,
G/Conditional:
Required if Purpose of
Loan 02B-030 = 05
(Refinance)

ZZZZZZZZZZZZ.ZZ

EC
07A-060

VII

e. Estimated prepaid items

64

15

ZZZZZZZZZZZZ.ZZ
Conventional: Enter the total
amount of Pre-Paid expenses
charged. If any of this is to be paid
by the seller, include that amount in
07A-110. If any of this is to be paid
by the lender, include that amount
in 07B-030.

X/Conditional,
G/Conditional:
Required if applicable to
Casefile

FHA/VA: This is the amount paid


by the borrower. This amount
cannot be less than $0.00.
07A-070

VII

f. Estimated closing costs

79

15

ZZZZZZZZZZZZ.ZZ
Conventional: Enter the total
amount of the Closing Costs. If
any of this is to be paid by the
seller, include that amount in 07A110. If any of this is to be paid by
the lender, include that amount in
07B-030.

X/Conditional,
G/Conditional:
Required if applicable to
Casefile

FHA/VA: Enter the total allowable


Closing Costs.
07A-080

VII

g. PMI MIP, Funding Fee

94

15

A fee paid to initiate mortgage


insurance.
ZZZZZZZZZZZZ.ZZ

X/Conditional,
G/Conditional:
Required if applicable to
Casefile

Conventional: Enter amount

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 37 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

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.
Government Loans:
FHA: Enter amount of Total
Upfront 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 total funding fee as
required by VA. 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-090

VII

h. Discount

109

15

ZZZZZZZZZZZZ.ZZ
Enter the total amount of discount
points charged.

X/Conditional,
G/Conditional:
Required if applicable to
Casefile

Conventional: Fannie Mae does


not distinguish between Discount
and Origination points.
07A-100

VII

j. Subordinate financing

124

15

The total amount of financing by a


type of debt inferior to this loan the
applicant is applying for on the
same property.

X/Conditional,
G/Conditional:
Required if applicable to
Casefile

ZZZZZZZZZZZZ.ZZ

EC

07A-110

VII

k. Applicant's closing costs


paid by Seller

139

15

ZZZZZZZZZZZZ.ZZ

X/Conditional,
G/Conditional:
Required if applicable to
Casefile

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.
Government Loans:
Enter the amount of Closing Costs

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 38 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

paid by the Seller. Do not include


seller paid prepaid items. For FHA
loans, seller credit can be
populated in this field or in 07B as
a Seller Credit but not in both
places.
07A-120

VII

n. PMI, MIP, Funding Fee


financed

154

15

The amount of the fee paid to


initiate mortgage insurance that will
be financed in the mortgage loan
transaction.

X/Conditional,
G/Conditional:
Required if applicable to
Casefile

ZZZZZZZZZZZZ.ZZ

EC

End of record. Length=168

<N/L>
07B-010

07B

07B-020

Other Credit Type Code

Record ID: Other Credits


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

X
Required if applicable
X/IRE,
G/IRE

Note: Cash Deposit On Sales


Contract amount must be included
here as code 01 (Cash Deposit
on sales contract) and must be
entered if a cash deposit is listed in
segment 06C 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

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 39 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

calculates the borrowers required


funds to close.
For FHA loans, seller credit can be
populated in this field as Other
Credit Type 02 or in 07A-110 as
Applicant Closing Costs Paid by
Seller but not in both places.
07B-030

VII

Amount of Other Credit

ZZZZZZZZZZZZ.ZZ

15

X/IRE,
G/IRE

End of record. Length=20

<N/L>
08A

Record ID: Declarations

X, G

08A-020

VIII

Applicant Social Security


Number

X, G

08A-030

VIII

a. Are there any


outstanding judgments
against you?

13

Y = Yes
N = No
Any "yes" responses must be
explained.

X, G

08A-040

VIII

b. Have you been declared


bankrupt within the past 7
years?

14

Y = Yes
N = No
Any "yes" responses must be
explained.

X, G

08A-050

VIII

c. Have you had property


foreclosed upon or given
title or deed in lieu thereof
in the last 7 years?

15

Y = Yes
N = No
Any "yes" responses must be
explained.

X, G

08A-060

VIII

d. Are you a party to a


lawsuit?

16

Y = Yes
N = No
Any "yes" responses must be
explained.

08A-070

VIII

e. Have you directly or


indirectly been obligated
on any loan...

17

Y = Yes
N = No
Any "yes" responses must be
explained.

08A-080

VIII

f. Are you presently


delinquent or in default on
any Federal debt...

18

Y = Yes
N = No
Any "yes" responses must be
explained.

08A-090

VIII

g. Are you obligated to pay


alimony child support or
separate maintenance?

19

Y = Yes
N = No
Any "yes" responses must be
explained.

08A-100

VIII

h. Is any part of the down


payment borrowed?

20

Y = Yes
N = No
Any "yes" responses must be
explained.

08A-110

VIII

i. Are you a co-maker or


endorser on a note?

21

Y = Yes
N = No
Any "yes" responses must be
explained.

08A-120

VIII

j. Are you a U.S. citizen?


k. Are you a permanent
resident alien?

22

EDI Data Element 1066:


01 = US Citizen
03 = Permanent Resident-Alien
05 = Non-Permanent ResidentAlien

X, G

08A-010

2014 Fannie Mae. Trademarks of Fannie Mae.

SA

RLD - 40 of 68

Field #
08A-130

1003 Sect
VIII

Data Stream
l. Do you intend to
occupy...

Pos

Len

24

Seg
Occ

Field Information
Y = Yes
N = No
U = Unknown
Any "yes" responses must be
explained.

Required
C/DU, G
FHA: This field used to
determine FTHB.
EC

Note: U is not valid on DO/DU on


the Web. Best Practice is to send Y
or N.
08A-140

VIII

m. Have you had an


ownership interest...

25

Y = Yes
N = No
U = Unknown
Any "yes" responses must be
explained.

Note: U is not valid for DO/DU on


the Web. Best Practice - send Y or
N
08A-150

VIII

m. (1) What type of


property...

26

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.
08A-160

VIII

m. (2) How did you hold


title...

27

EDI Data Element 1187:


01 = Sole (individual)
25 = Joint With Spouse
26 = Joint With Other Than
Spouse

C/DU, G
For FHA Scorecard,
Fannie Mae will
automatically generate
corresponding data
values.
EC
X/Conditional
G/Conditional
Required if 08A-140 = Y
For FHA Scorecard,
Fannie Mae will
automatically generate
corresponding data
values.
EC
X/Conditional
G/Conditional

Specify value if field 08A-140 is Y.


If owned more than one property in
last three years: if jointly and
not, select not.
End of record. Length=28

<N/L>
08B-010

08B

08B-020

VIII

Applicant Social Security


Number

08B-030

VIII

Declaration Type Code

13

Record ID: Declaration


Explanations
Specify if field #08A-030 to 08A110 is Yes. NOT Required.
n
A code that identifies the particular
question asked in the Declarations
section of the loan application.
EDI Data Element 1321:
91 = Outstanding Judgments
92 = Declared Bankruptcy in past 7
years
93 = Foreclosure or deed in lieu in

2014 Fannie Mae. Trademarks of Fannie Mae.

C/DU

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

RLD - 41 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

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

A brief explanation made by the


applicant to the Interviewing Loan
Officer, clarifying their response to
a declaration on the loan
application.

255

C/DU

Text
Per 9.1 Nov 2013 release, to
instruct DU to disregard deed-inlieu of foreclosure and
preforeclosure sale in the credit
data, enter:
- Confirmed CR DIL*
- Confirmed CR PFS*
Per 9.1.1 August 2014 update, to
instruct DU to disregard the
foreclosure information in the credit
data, enter:
- Confirmed CR FC Incorrect*
(Value overrides inaccurate
foreclosure information)
- Confirmed CR FC EC*
(Value overrides foreclosure
information due to extenuating
circumstances)
*Separate values by a comma
when entering more than one item.
End of record. Length=269

<N/L>
09A-010

09A

09A-020

IX

Applicant Social Security


Number

09A-030

IX

Signature Date

13

SA

Record ID: Acknowledgment and


Agreement
n

X/IRE

The date that the applicant signed


the loan application or the
continuation sheet(s).
CCYYMMDD

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 42 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Required

End of record. Length=20

<N/L>
10A-010

Field Information

10A

10A-020

Applicant Social Security


Number

10A-030

I do not wish to furnish this


information

13

Record ID: Information for


Government Monitoring Purposes.
One occurrence per Applicant
n

EC

A code indicating whether the


applicant wishes to furnish race
and gender data, entered to
support government monitoring.
Y = Yes
N = No

10A-040

Ethnicity

14

10A-050

Filler

15

30

10A-060

Sex

45

EC

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

EC

End of record. Length=45

<N/L>
10B-010

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

10B

Record ID: Loan Originator


Information
One Occurrence
EDI Data Element 1079:
F = Face-to-Face
M = Mail or Fax
T = Telephone
I = Internet or E-Mail

10B-020

This application was taken


by

10B-030

Loan Originators Name

60

The name of the person who


received the application information
from the applicant(s).

10B-040

Interview Date

65

The date that the Loan Originator


signed the loan application.

10B-050

Loan Originators Phone


Number

73

10

10B-060

Loan Origination
Companys Name

83

35

Text

10B-070

Loan Origination
Companys Street
Address

118

35

Text

X/Conditional,
Required, if applicable

Text

CCYYMMDD

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 43 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

10B-080

Loan Origination
Companys Street
Address 2

153

35

Text

10B-090

Loan Origination
Companys City Address

188

35

Text

10B-100

Loan Origination
Companys State Code

223

Text

10B-110

Loan Origination
Companys Zip Code

225

10B-120

Loan Origination
Companys Zip Code Plus
Four

230

End of record. Length=233

<N/L>
10R-010

Required

10R

Record ID: Information for


Government Monitoring Purposes
reporting on Multiple Race per
Applicant

10R-020

Applicant Social Security


Number

EC

10R-030

Race

13

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

EC

Applicant may report multiple race


types.
End of record. Length=14

<N/L>

Record ID: File Identification

X, G, Credit

70 = Additional Case Data

X, G, Credit

File Version =3.20

X, G, Credit

000-010

000

000-020

File Type

000-030

File Version ID

End of record. Length=11

<N/L>
99B-010

FNM

99B

99B-020

FNM

Seller Provided Below


Market Financing

Record ID: Fannie Mae


Transmittal Data

X, G, Credit

Segment required for Import


A code indicating if the seller
offered below-market subordinate
financing.
Y = Yes
N = No
Specify value if 1003 field #02B030 is Purchase.
NOT REQUIRED

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 44 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

99B-030

FNM

Owner of existing
mortgage

Fannie Mae Owner of Existing


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

X/Conditional
Required if 1003 field
02B-030 = 05,
Refinance

99B-040

FNM

Property Appraised Value

15

The value of the property as


documented by the appraisal.

X, G
Conventional Loans:
Required with value > 0,
if purpose of loan is
refinance or
construction-perm.
Required with value > 0,
if purpose of loan is
purchase and appraisal
value < sales price.
Government Loans:
Required for all
submissions

ZZZZZZZZZZZZ.ZZ

EC
99B-050

FNM

Buydown Rate

22

The final Bought Down Interest


Rate. The rate that the applicant
will pay after the buydown is
applied.

X/Conditional,
G/Conditional:
Required, if applicable
product

ZZZ.ZZZ
99B-060

FNM

Actual vs. Estimated


Appraised Value Indicator

29

Fannie Mae Code:


01 = Actual
02 = Estimated

99B-070

FNM

Appraisal Fieldwork
Ordered

31

Fannie Mae Property


Documentation Obtained Codes:
102 = No appraisal/inspection
obtained
103 = Form 2075 exterior
inspection
104 = Form 2055 appraisal with
exterior only inspection
110 = Form 2095 cooperative
appraisal with exterior only
inspection
114 = Form 1025 appraisal with
interior/exterior inspection
116 = Form 1004 appraisal with
interior/exterior inspection
120 = Prior appraisal used for the
transaction
125 = Other
130 = Form 26-1805, Certificate of
Reasonable Value for VA
131 = Form 26-8712,
Manufactured Home Appraisal
Report for VA
132 = Form 1004C, Manufactured
Home Appraisal Report with
interior/exterior inspection*
133 = Form 1073 condominium

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 45 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

appraisal with interior/exterior


inspection*
134 = Form 1075 condominium
appraisal with exterior
inspection*
135 = Form 2090 cooperative
appraisal with interior/exterior
inspection*
136 = Form 1004D appraisal
updated/completion report*
137 = Form 2000 Field review oneunit*
138 = Form 2000A Field review 24*
* Values 132-138 not valid until DU
5.6 release planned for Q3 2006.
99B-080

FNM

Appraiser Name

34

60

Text

X/Conditional,
Required, if applicable

99B-090

FNM

Appraiser Company

94

35

Text

X/Conditional,
Required, if applicable

99B-100

FNM

Appraiser License Number

129

15

Text

X/Conditional,
Required, if applicable

99B-110

FNM

Appraiser License State


Code

144

Text

X/Conditional,
Required, if applicable

End of record. Length=145

<N/L>
ADS-010

ADS

ADS-020

LoanOriginatorID

35

Record ID: Additional Data


Segment

All systems should


support multiple
occurrences of this
segment to prevent the
loss of data when a
user imports/exports a
1003 file between
systems. New fields
added to support FHFA
requirements

Text

X/Conditional,
Required, if applicable

Must equal LoanOriginatorID


EC
ADS-030

Value

39

50

n
Value of LoanOriginatorID. Value
must be numeric characters only
and cannot exceed 12 characters
in length.

ADS-020

LoanOriginationCompanyI
D

35

Text
Must equal
LoanOriginationCompanyID

ADS-030

Value

39

50

n
Value of
LoanOriginationCompanyID.
Value must be numeric characters
only and cannot exceed 12
characters in length.

2014 Fannie Mae. Trademarks of Fannie Mae.

X/Conditional,
Required, if applicable
EC

X/Conditional,
Required, if applicable
EC
X/Conditional,
Required, if applicable
EC

RLD - 46 of 68

Field #

1003 Sect

ADS-020

Data Stream
SupervisoryAppraiserLicen
seNumber

Pos

Len

35

Seg
Occ

Field Information
Text

Required
X/Conditional,
Required, if applicable

Must equal
SupervisoryAppraiserLicenseNum
ber
ADS-030

Value

39

Alphanumeric

50

X/Conditional,
Required, if applicable

Value of
SupervisoryAppraiserLicenseNum
ber. Value must allow
alphanumeric characters and
cannot exceed 21 characters in
length.
ADS-020

Name

35

Text

ADS-030

Value

39

50

Text
End of record. Length= 88

<N/L>
SCA-010

Score

SCA

SCA-020

Score

Score ID

Record ID: Score


Fannie Mae Score ID :
001 = PMI Aura AQI Score
002 = GE IQ Score
003 = UGI Accuscore
Note : Do not send multiple score
types. One or more of the same
score type may be passed.

SCA-030

Score

Score

The score value associated with


the Score ID.

SCA-040

Score

Score Date

10

Date that the score was received


from the Mortgage Scoring engine.

Score Value

CCYYMMDD
End of record. Length=17

<N/L>

X, G, Credit

000

000-020

File Type

11 = Product Data

X, G, Credit

File Version = 3.20

X, G, Credit

000-030

File Version ID

Record ID: File Identification

000-010

End of record. Length=11

<N/L>
LNC-010

Loan
Characteristi
cs

LNC

LNC-020

Loan

Lien Type Code

Record IDLoan Characteristics for Eligibility

X, G, Credit

Indicates whether the loan being


applied for is the first or a
subordinate trust on the property.

X
EC

EDI Data Element 1101:


1 = First Mortgage
2 = Second Mortgage
F = Other Mortgage
LNC-030

Loan

Loan Documentation Type


Code

2014 Fannie Mae. Trademarks of Fannie Mae.

A code indicating the level of


documentation being collected to
process and underwrite the loan.
Mortgages and Home Equity Lines
of Credit must be differentiated

RLD - 47 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

and specified as applicable in the


case.
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

A code indicating the type of


property used to secure the loan.
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
11 = MH Select

X, G
Government Loans:
05 is not valid for FHA
loans. For FHA loans
where the subject
property is a
condominium, you must
populate one of the
following values: 03, 07
or 09.
05, 07, 10 and 09 are
NOT valid for VA
submissions.
Note: 11 is no longer

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 48 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required
valid
EC

LNC-050

Loan

Reserved for future use

Unused, pad with spaces

LNC-060

Loan

Reserved for future use

10

Unused, pad with spaces

LNC-070

Loan

Reserved for future use

12

Unused, pad with spaces

LNC-080

Loan

Reserved for future use

14

Unused, pad with spaces

A lender-assigned code defined by


Fannie Mae to classify projects in
compliance w/ Fannie Mae project
guidelines.

LNC-090

Loan

Project Classification Code

16

EC

Fannie Project Classification


Codes:
01 = A/III Condo (no longer
supported after 4/17/2010)
02 = B/II Condo (no longer
supported after 4/17/2010)
03 = C/I Condo (no longer
supported after 4/17/2010)
04 = E PUD
05 = F PUD
06 = III PUD (not valid DU 5.6
Release 2006)
07 = 1 CO-OP
08 = 2 CO-OP
09 = P Condo
10 = Q Condo
11 = R Condo
12 = S Condo
13 = T Condo
14 = U Condo
15 = V Condo
16 = G, not in a project or
development
17 = T PUD (no longer supported
after 10/20/2012)
18 = T CO_OP (no longer
supported after 10/20/2012)
LNC-100

Loan

Negative Amortization
Limit Percent

18

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.

X/Conditional:
Conditionally required
for negatively amortizing
ARM plans

ZZZ.ZZZ
The Neg AM Limit should be
populated with the lenders
value. If Neg AM Limit is greater
than 100, DU will use the
populated value to qualify Neg
AM ARMs. If the field is not
populated or is less than or
equal to 100, DU will use a value

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 49 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

of 115 percent (110 percent in


New York state) of the loan
amount.
LNC-110

Loan

Balloon Indicator

25

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.
Y = Yes
N = No.

LNC-120

Loan

Filler

26

LNC-130

Loan

Filler

27

LNC-140

Loan

Homebuyer Education
Completion Indicator

28

N=No
Y=Yes

LNC-150

Loan

Maximum Lifetime Rate


Increase

29

The maximum % rate increase that


may occur over the life of the loan.

X/Conditional:
If applicable to casefile
Government Loans:
Balloons are not
supported.
EC

ZZZ.ZZZ
LNC-160

Loan

Payment Adjustment Life


Percent Cap

36

The lifetime payment adjustment


cap, expressed as a % of the loan
amount.

LNC-170

Loan

Payment Adjustment Life


Amount Cap

43

15

The lifetime payment adjustment


amount cap, expressed as a dollar
amount.

LNC-180

Loan

Will Escrow be Waived?

58

Y = Yes
N = No

LNC-190

Loan

Scheduled Loan Closing


Date

59

CCYYMMDD

LNC-200

Loan

Scheduled First Payment


Date

67

Scheduled date for when the first


loan payment will be due to be
made by the Applicant under the
terms of the mortgage.

The percentage of the mortgage


loan balance, which will be insured
by the MI Insurer.

ZZZ.ZZZ

ZZZZZZZZZZZZ.ZZ

CCYYMMDD
LNC-210

Loan

MI Coverage Percent

75

ZZZ.ZZZ
LNC-220

Loan

MI Insurer Code

82

A code that identifies the specific


entity that will provide mortgage
insurance for this loan.

EC

Fannie MI Insurer Code:


001 = GE Mortgage Insurance
Corporation, GE
006 = Mortgage Guarantee
Insurance Corporation, MGIC
011 = PMI Mortgage Insurance
Company, PMI

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 50 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

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
043 = Essent Guaranty, Inc
044 = National Mortgage
Insurance Company, NMI
LNC-230

Loan

APR Spread

85

Spread between the percentage


rate of the loan and the applicable
Treasury yield.

LNC-240

Loan

HOEPA

90

Indicates a loan is covered under


the Home Ownership Equity
Protection Act.

ZZ.ZZ

Y = Loan is covered under act


N = Loan is not covered under act
LNC-250

Loan

PID-010

Product

PID-020

Product

PreApproval

91

PID

Product Description

30

Y-Pre-Approval loan
N-Not a Pre-Approval loan
End of record. Length =91

<N/L>
S

Record ID: Product Identification

X, Credit

Segment required for import


Description of the product which
has been selected for this loan.

X/Conditional,
Required, if applicable

Text

EC

Enter Standard LCOR in the


Product Description field to
underwrite a DU Refi Plus loan
casefile as a standard limited cashout refinance.
PID-030

Product

Product Code

34

15

Identifier for the specific loan


product, which has been selected
for this loan. The 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.

PID-040

Product

Product Plan Number

49

An identifying number that


identifies the varying loan
payment/rate change
characteristics of variable rate
mortgages.

2014 Fannie Mae. Trademarks of Fannie Mae.

X/Conditional:
Required for all Fannie
Mae ARMs
G/Conditional:

RLD - 51 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

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
251 = FHA 1 yr
FHAHY = FHA Hybrid ARM
VA1YR = VA 1 yr
VAARM = VA Hybrid ARM

Required
Required for FHA and
VA Arms
For a complete list of all
active ARM Index
Codes, go to the Data
Standards Supporting
Resources section of
the Technology
Integration webpage on
https://www.fanniemae.
com/singlefamily/techno
logy-integration
EC

Do not pad field with leading


zeroes.
Per 9.1 Nov 2013 release, ARM
Plan IDs related to Interest-only
and 40-yr ARMS will still be
accepted for import, but will cause
an Out of Scope recommendation.
End of record. Length=53

<N/L>
PCH-010

Record ID: Product Characteristics

Product
Characteristi
cs

PCH

PCH-020

Product
Characteristi
cs

Mortgage Term

The standard number of months


used in determining the period of
time over which the loan must be
repaid.

PCH-030

Product
Characteristi
cs

Assumable Loan Indicator

Code indicating whether or not the


loan is assumable by another
party.

X, Credit

Segment required for import


X/Conditional:
Required for balloon
loans, if LNC-110-Y

n (months )

N = No
Y = Yes
PCH-040

Product
Characteristi
cs

Payment Frequency Code

Fannie Mae Payment Frequency


Codes:
01 = Monthly
02 = Bi-weekly
(Required if bi-weekly)

PCH-050

Product
Characteristi
cs

Prepayment Penalty
Indicator

10

A code indicating whether the loan


includes a penalty charged to the
Applicant in the event of
prepayment.

X/Conditional:
Required if bi-weekly

N = No
Y = Yes

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 52 of 68

Field #

1003 Sect

PCH-060

Product
Characteristi
cs

Data Stream
Prepayment Restricted
Indicator

Pos

Len

11

Seg
Occ

Field Information

Required

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).
N = No
Y = Yes

PCH-070

Product
Characteristi
cs

Repayment Type Code

12

This code specifies whether the


loan payment schedule has been
calculated to fully repay the loan
over the mortgage term and, if
negative amortization is possible
for the loan, whether it is scheduled
or potential. Negative amortization
is unpaid interest added to the
mortgage principal. This applies to
loans where the principal balance
increases because the payments
do not cover the interest.

Conventional Loans:
Only N is supported by
DU.
FHA and VA:
Only N is valid.

EC

See Fannie Mae and EDI Code


Conversions Table, EDI Data
Element 1087:
N = Fully Amortizing (No Negative
Amortization)
F1 = Scheduled Amortization
F2 = Interest Only (no longer
supported after 11/16/2013)
P = Possible Negative Amortization
S = Scheduled Negative
Amortization
End of record. Length=13

<N/L>
ARM-010

ARM-020

ARM

ARM

ARM

ARM Index Value

Record ID: ARM

The current value of the index,


used to calculate the initial interest
rate for an ARM loan.
ZZZ.ZZZ
This is the lenders value. If both
the Index Value and Index Margin
are populated and greater than
zero, DU will use the values to
qualify the Neg AM or IO ARM. If
the fields are not populated or
equal to zero, DU will use a value
of 100 basis points above the note
rate entered.

2014 Fannie Mae. Trademarks of Fannie Mae.

X/Conditional,
G/Conditional
Required for ARM, if
Amortization Type (field
01A-090) is 01
X/Conditional
Fannie Mae:
Conditionally required
for all ARM Plans: If
value is not passed, an
ineligible message will
be returned.
EC

RLD - 53 of 68

Field #
ARM-030

1003 Sect
ARM

Data Stream
Index Type (Index Name)

Pos

Len

11

Seg
Occ

Field Information

Required

Index Code on which rate and/or


payment adjustments are based.
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

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).
ZZZ.ZZZ
The Index Margin should be
populated with the lenders value. If
the Index Value and Index Margin
are both populated and greater
than zero, DU will use the values to
qualify the Neg AM or IO ARM. If
the fields are not populated or
equal to zero, DU will use a value
of 100 basis points above the note
rate entered.

ARM-050

ARM

ARM Qualifying Rate

20

The rate used to calculate the


applicants PITI to qualify the
applicant for the subject
mortgage for ARM loans.
ZZZ.ZZZ
Fannie Mae and Generic ARM
plans: DU will ignore the
Qualifying Rate field (ARM-050)
and will calculate the qualifying
rate.
See the DU Reference Material

2014 Fannie Mae. Trademarks of Fannie Mae.

X/Conditional:
Fannie Mae:
Conditionally required
for all ARM Plans: If
value is not passed, an
ineligible message will
be returned.
EC

X/Conditional:
Required for
Negatively amortizing
ARM Plans the
qualifying rate field
should be populated
with the lenders
qualifying rate. If it is
not populated, DU will
use a predetermined
qualifying rate.
EC

RLD - 54 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

Qualifying Interest Rate Used


by DU for Proposed Monthly
Housing Expense.
Lender ARM Plans: If the
Qualifying Rate is not populated,
a default value will be used.
End of record. Length = 26

<N/L>
PAJ-010

Payment
Adjustments

PAJ

Record ID: Payment Adjustment


Occurrences.
This segment is not used by DU.
Contains DO product / pricing
information.
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

Payment Adjustment
Period Number

PAJ-030

Payment
Adjustment

Payment Adjustment
Duration

n (Months) Total Adjustment


Period

PAJ-040

Payment
Adjustment

Payment Adjustment
Frequency

11

The number of months for which


the payment adjustment will be
effective.

n (Months) Between Adjustments


After First Adjustment
PAJ-050

Payment
Adjustment

Payment Adjustment Type


Code

14

Indicates if the payment


adjustment is a percentage or a
dollar amount.
1 = Percent To Adjust Payment
Amount
2 = Percent To Adjust Payment
Rate
3 = Dollar Adjust To Payment
Amount

PAJ-060

Payment
Adjustment

Payment Adjustment
Percent

15

The scheduled payment


increase/decrease amount for this
occurrence of a payment change,
expressed as a percentage.

PAJ-070

Payment
Adjustment

Payment Adjustment
Amount

22

15

The scheduled payment


increase/decrease amount for this
occurrence of a payment change,
expressed as a dollar amount.

ZZZ.ZZZ

ZZZZZZZZZZZZ.ZZ

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 55 of 68

Field #

1003 Sect

PAJ-080

Payment
Adjustment

Data Stream
Payment Adjustment
Percent Cap

Pos

Len

37

Seg
Occ

Field Information

Required

The payment adjustment cap for


this occurrence of a payment
change, expressed as a
percentage.
ZZZ.ZZZ
Specify if field PAJ-050 = 1 or 2

PAJ-090

Payment
Adjustment

Payment Adjustment
Amount Cap

44

The payment adjustment amount


cap per change, expressed as a
dollar amount.

15

ZZZZZZZZZZZZ.ZZ
Required if field PAJ-050 = 3
PAJ-100

Payment
Adjustment

Months To First Payment


Adjustment

59

The number of months from the


first payment until the first payment
adjustment.

n (Months)
End of record, Length = 61

<N/L>
RAJ-010

Rate

RAJ

RAJ-020

Rate
Adjustment

Rate Adjustment Period


Number

RAJ-030

Rate
Adjustment

Rate Adjustment Duration

Record ID: Rate Adjustment


Occurrences
Specify if Field #01A-090 = 01 for
ARM and if the ARM will have rate
adjustments. NOT REQUIRED.
The sequence number of the rate
adjustment information for the loan,
if there are more than one rate
adjustments.
n
The number of months for which
the rate adjustment will be
effective.
Total Adjustment Period
n (Months)

RAJ-040

Rate
Adjustment

Rate Adjustment
Frequency

11

Frequency of the adjustments


during the adjustment period.
Between Adjustments After First
Adjustment
n (Months)

RAJ-050

Rate
Adjustment

Rate Adjustment
Calculation Method Code

14

Indicates the method for calculating


the new adjusted rate at each rate
change.
0 Add % to Current Rate
1 Add % to Original Rate
2 Index + Margin

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 56 of 68

Field #

1003 Sect

RAJ-060

Rate
Adjustment

RAJ-070

RAJ-080

Data Stream

Pos

Len

Seg
Occ

Field Information

Rate Adjustment Percent

15

Percentage to be used for the rate


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

Rate
Adjustment

Rate Adjustment Cap

22

The cap on the percentage rate


increase allowed for the loan, per
change.

Rate
Adjustment

Months To First Rate


Adjustment

29

The number of months from the


first payment until the first rate
adjustment.

Required

ZZZ.ZZZ

ZZZ.ZZZ

n (Months)
End of record, Length = 31

<N/L>
S

Record ID: Buydown Data

BUA-010

Buydown

BUA

BUA-020

Buydown

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-030

Buydown

Buydown Duration

The period of time (counted in


months) from the Base Date during
which the interest rate buydown is
in effect.

BUA-040

Buydown

Increase Rate

10

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-050

Buydown

Funding Code

17

Indicates whether or not the lender


is funding the Interest Rate
Buydown.

n (Months)

n (Months)

-ZZ.ZZZ

Y = Yes
N = No

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 57 of 68

Field #
BUA-060

1003 Sect
Buydown

Data Stream
Buydown Base Date Code

Pos

Len

18

Seg
Occ

Field Information

Required

A code indicating the date from


which the duration of the buydown
is counted.
0 = Note Date
1 = First Payment Date
2 = Last Payment Date
Note: This field is not currently
used.

BUA-070

Buydown

Buydown Type Indicator


(Perm. Or Temp.)

19

Indicates whether the buydown is


permanent or temporary.

0 = Permanent
1 = Temporary
End of record, Length = 19

<N/L>
000-010

000

Record ID: File Identification

000-020

File Type

20 = Government Data

000-030

File Version ID

File Version = 3.20

End of record. Length=11

<N/L>
IDA-010

Identification

IDA

IDA-020

Identification

Filler

23

LEA-020

Lender
Lender

LEA
FHA Lender Identifier

Reserved for future use - fill with


blanks.
End of record. Length=26

<N/L>
LEA-010

Record ID: Casefile Identification

1
4

3
20

Record ID: Lender Data

Maximum 10 digits in length - no


dashes or spaces, matches
HUD issued FHA Lender
Identifier format.

G
Required for FHA U/W.

n
Government Loans:
Required if the loan type is FHA.
The FHA Lender Identifier is the
originator making the U/W
request. Submitted to the FHA
TOTAL Scorecard. FHA will
validate Lender ID.
Only pass FHA Lender Identifier
if you are a FHA endorsed
underwriter.
LEA-030

Lender

FHA Sponsor Identifier

24

20

Maximum 10 digits in length- no


dashes or spaces, matches
HUD issued FHA Sponsor
Identifier format.

G
Required for FHA, if
condition exists

n
Government Loans :
Required if the loan type is FHA
and the originator is not a Direct
Endorsement approved lender.
Submitted to the FHA TOTAL
Scorecard. FHA will validate the

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 58 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

Sponsor ID.
Pass both the FHA Sponsor ID
(LEA-030) and the Sponsored
EIN LEA-040) if you are not a
Direct Endorsement approved
lender.
LEA-040

Lender

Sponsored Originator EIN

44

Sponsored Originator EIN

10

ZZZZZZZZZ
Pass the Sponsored EIN (LEA040) and the FHA Sponsor
Identifier (LEA-030) if you are not a
Direct Endorsement approved
lender.
LEA-050

Lender

Filler

54

Reserved for future use, fill with


blanks.

13

End of record. Length=66

<N/L>
GOA-010
GOA-020

Government
Government

GOA
Energy Efficient New
Home

1
4

3
1

Record ID: Both FHA/VA Loans

Y Yes
N No
This field is not used for
underwriting.

GOA-030

Government

MCC

15

Mortgage Credit Certificate


ZZZZZZZZZZZZ.ZZ

G/Conditional:
Required if applicable to
the Casefile

For an FHA loan, the dollar amount


form the MCC should be entered in
this field 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 MCC 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-040

Government

Seller Concessions

20

15

ZZZZZZZZZZZZ.ZZ
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

2014 Fannie Mae. Trademarks of Fannie Mae.

G/Conditional
Required if applicable to
the Casefile. This
includes anything over
the 6% contribution for
an FHA loan (or over
the 4% of reasonable

RLD - 59 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information
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.

Required
and customary
contributions for a VA
loan) or an outright
concession.

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-050

Government

Borrower Total Closing


Costs Fees

35

15

ZZZZZZZZZZZZ.ZZ
This field is not considered for
government underwriting.

GOA-060

Government

Borrower Total Closing


Costs Points (%)

50

ZZZ.ZZZ
This field is not considered for
government underwriting.

GOA-070

Government

Seller Total Closing Costs


Fees

57

15

ZZZZZZZZZZZZ.ZZ
This field is not considered for
government unde
rwriting.

GOA-080

Government

Seller Total Closing Costs


Points (%)

72

ZZZ.ZZZ
This field is not considered for
government underwriting.

GOA-090

Government

Other Total Closing Costs


Fees

79

15

ZZZZZZZZZZZZ.ZZ
This field is not considered for
government underwriting.

GOA-100

Government

Other Total Closing Costs


Points (%)

94

ZZZ.ZZZ
This field is not considered for
government underwriting.

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 60 of 68

Field #

1003 Sect

GOA-110

Government

Data Stream
Type of Refinance

Pos

Len

101

Seg
Occ

Field Information
Indicates the type of
documentation for no cash out
refinance loans.

Required
G/Conditional:
Required if Refinance

Fannie Mae Type of Refinance


Code:
1 = Full Documentation (FHA or
VA)
2 = Streamline with Appraisal (FHA
only)
3 = Streamline without Appraisal
(FHA only)
4 = Interest Rate Reduction
Refinance Loan (VA Only)
H = HOPE for Homeowners (FHA
Only)
R = Prior FHA (FHA only)
GOA-120

Government

Property County

102

Text

35

Note: This field will no


longer be used.

End of record. Length=136

<N/L>
GOB-010

Government

GOB

GOB-020

Government

FHA Section of the Act


Codes

13

Record ID: FHA Loans Only

The section of the National


Housing Act used in underwriting
government loans. This code
identifies the underwriting
guidelines that should be used for
loan evaluation.

G/Conditional:
Required for FHA
Loans
G/Conditional:
Required for FHA
Loans
EC

Text
FHA Section of the Act Codes:
203(b) = Basic Program,
Purchase, Refis
203(b)/251 = Basic Program,
Purchase, Refis/ARM
203(k) = Purchase, Rehab
203(k)/251 = Purchase,
Rehab/ARM
234(c) = Condominium
234(c)/251 = Condominium/ARM
257 = HOPE for Homeowners
GOB-030

Government

Allowable Repairs

17

15

This field is not used for


underwriting.

GOB-040

Government

MIP Upfront (%)

32

This field is not used for


underwriting.

GOB-050

Government

MIP Refund Amount

39

15

For refinance loans, the amount of


MIP that will be refunded to the
borrower; Must be a whole
number; Used for FHA loans.

GOB-060

Government

First Renewal Rate (%)

54

This field is not used for


underwriting.

GOB-070

Government

Reserved for future use

61

ZZZ

G/Conditional:
Required if applicable
for FHA refinances

ZZZZZZZZZZZZ.ZZ

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 61 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

This field is not used for


underwriting.

(First Renewal Rate


(Months).

End of record. Length=63

<N/L>
GOC-010

Government

GOC

GOC-020

Government

CoBorrower Married to
Primary Borrower

Record ID: VA Loans Only


Indicates whether the co-borrower
is married to the borrower.

G/Conditional:
Required for VA loans
G/Conditional:
Required for VA loans if
applicable to casefile.

Y = Yes
N = No
GOC-030

Government

Entitlement Amount

The dollar amount guaranteed by


the VA to the veteran borrower.

15

G/Conditional:
Required for VA loans

ZZZZZZZZZZZZ.ZZ
GOC-040

Government

Monthly Maintenance

20

The estimated dollar amount of


monthly maintenance expense.

ZZZZ.ZZ

GOC-050

Government

Monthly Utilities

27

The estimated dollar amount of


monthly utilities. For VA loans.

ZZZZ.ZZ

GOC-060

Government

Funding Fee (%)

34

G/Conditional:
Required for VA loans if
applicable to the
casefile. (from the
Estimated Monthly
Shelter Expenses
section on the VA Loan
Analysis Worksheet.).
G/Conditional:
Required for VA loans if
applicable to the
casefile. (from the
Estimated Monthly
Shelter Expenses
section on the VA Loan
Analysis Worksheet.).

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.
End of record. Length=40

<N/L>
SA

Record ID: VA Loans Only

GOD-010

Government

GOD

GOD-020

Government

Applicant Social Security


Number

GOD-030

Government

Total Tax

13

15

Use this field to pass the TOTAL


DEDUCTIONS (Federal, State,
Retirement/Social Security, and/or
Other) from Monthly Income and
Deductions Section of the VA Loan
Analysis Worksheet.

GOD-040

Government

State Tax

28

15

ZZZZZZZZZZZZ.ZZ

2014 Fannie Mae. Trademarks of Fannie Mae.

ZZZZZZZZZZZZ.ZZ

G/Conditional:
Required for VA Loans
G/Conditional:
Required for VA Loans
G/Conditional:
Required for VA Loans
Note: Submit total
amount for federal,
state, local, and social
security taxes (GOD030 + GOD-040, GOD050, and GOD-060).
This field is NOT used
for underwriting.

RLD - 62 of 68

Field #

1003 Sect

GOD-050

Government

GOD-060

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

Local Income Tax

43

15

ZZZZZZZZZZZZ.ZZ

This field is NOT used


for underwriting.

Government

Social Security Tax

58

15

ZZZZZZZZZZZZ.ZZ

This field is NOT used


for underwriting.

GOD-070

Government

Total Non-Taxable Income


-- Primary

73

15

ZZZZZZZZZZZZ.ZZ

This field is NOT used


for underwriting.

GOD-080

Government

Total Non-Taxable Income


-- Other

88

15

ZZZZZZZZZZZZ.ZZ

This field is NOT used


for underwriting.

GOD-090

Government

Total Taxable Income -Primary

103

15

ZZZZZZZZZZZZ.ZZ

This field is NOT used


for underwriting.

GOD-100

Government

Total Taxable Income -Other

118

15

ZZZZZZZZZZZZ.ZZ

This field is NOT used


for underwriting.

End of record. Length=132

<N/L>
GOE-010

Government

GOE

GOE-020

Government

Applicant Social Security


Number

GOE-030

Government

CAIVR #

13

10

SA

Record ID: Credit Data


Both FHA/VA Loans
n

G
G

Assigned by HUDs Credit Alert


Interactive Voice Response
System, an interactive system
used to check applicants
outstanding federal obligations.
Text

GOE-040

Government

Borrower Credit Rating

23

A code supplied by Fannie Mae,


which corresponds to the
borrowers credit history.

GOE-050

Government

Bankruptcy < 3 years

26

Number of times filed for


bankruptcy within the last three
years.

GOE-060

Government

Foreclosure

29

Total number of times previous


lenders have foreclosed on
property.

GOE-070

Government

First Time Homebuyer


Counsel Type

32

Type of counseling for first time


homebuyers.

G/Conditional:
Required if applicable
for FHA

" " (Blank) = N/A


A = Not Counseled
D = HUD Approved Counseling
Agency
End of record. Length=32

<N/L>
000-010

000

000-020

File Type

30 = Community Lending Data

CL
Required for
Community Lending
Products
CL

000-030

File Version ID

File Version = 3.20

CL

End of record. Length=11

<N/L>
LMD-010

Comm
Lending

LMD

2014 Fannie Mae. Trademarks of Fannie Mae.

Record ID: File Identification

Record ID:
Community Lending Loans

CL
Required for
Community Lending

RLD - 63 of 68

Field #
LMD-020

1003 Sect
Comm
Lending

Data Stream
County

Pos

Len

40

Seg
Occ

Field Information
Identifies the county in which the
subject property is located.

Required
CL

Text
LMD-030

Comm
Lending

Community Lending
Product

44

The name of the Fannie Mae


community-lending product
associated with the loan.

CL
Required for
Community Lending

Fannie Mae Code 2010:


04 = MyCommunityMortgage
06 = HFA Preferred Risk Sharing
07 = HFA Preferred

EC

The following products will not be


valid after 7/21/2007:
01 = Community Home Buyer
Program
02 = Fannie 97
03 = Fannie 3/2
LMD-035

Comm
Lending

Community Seconds
Repayment Structure

46

38

Indicates the payment structure of


the Community Seconds lien:
01 = Any payment (including
interest only, P&I, etc.)
required within first 5 years
02 = Payments deferred 5 or more
years and fully forgiven
03 = Payments deferred 5 or more
years and not fully forgiven

CL/Conditional:
Required if Community
Seconds included in
transaction.

Left justify, no trailing spaces


LMD-040

Comm
Lending

Fannie Neighbors Eligible

84

Indicates whether the loan is


eligible to be a Fannie Neighbors
mortgage:
e.g. 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.
Y = Yes
N = No

CL/Conditional:
FannieNeighbors
indicator is not required
for community lending
transactions. If the value
provided is Yes (Y),
DU will apply the
FannieNeighbors
guidelines. If the
indicator is No (N) or
blank, DU will check the
database and apply the
FannieNeighbors
guidelines if applicable
to the Casefile.
EC

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 64 of 68

Field #
LMD-050

1003 Sect
Comm
Lending

Data Stream
Community Seconds

Pos

Len

85

Seg
Occ

Field Information

Required

Indicates whether the loan is a


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

CL/Conditional:
Required for
Community Lending
Products if applicable to
the Casefile.

Y Yes
N No
LMD-060

Comm
Lending

HUD Median Income

86

15

ZZZZZZZZZZZZ.ZZ
Not used for import.
HUDs estimated median family
income is used to determine
borrower eligibility for affordable
loan products. The Metropolitan
Statistical Area or County Name
(LMD-020) provided or
automatically looked up by DU
Knowledgebase is used to
determine the HUD Median
Income (LMD-060). LMD-060
and Income Limit Adjustment
Factors (LMD-070) are
multiplied to determine the
Community Lending Income Limit
(LMD-080).
Borrowers generally must have
incomes no greater than 115%
of the median income that HUD
publishes for the area in which
they reside.

LMD-070

Comm
Lending

Income Limit Adjustment


Factors

101

15

ZZZZZZZZZZZZ.ZZ
Format Note: Pass the value as a
whole number, i.e., for an
adjustment factor of 1.4, value is
140.
Based on the Metropolitan
Statistical Area or County selected
(LMD-020), this field is
automatically calculated by the
Fannie Mae KnowledgeBase. This
field can be modified/overwritten by
user. If provided with loan data,
provided value will be used for
underwriting calculation.

LMD-080

Comm
Lending

Community Lending
Income Limit

116

15

ZZZZZZZZZZZZ.ZZ
Not used for import.
Automatically populated based on
multiplying fields HUD Median

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 65 of 68

Field #

1003 Sect

Data Stream

Pos

Len

Seg
Occ

Field Information

Required

Income (LMD-060) and Income


Limit Adjustment Factors (LMD070).
Note: If provided in loan data,
Fannie Mae KnowledgeBase will
not consider value provided by
user for underwriting calculation.
End of record. Length=130

<N/L>
TT-010

Transaction
Trailer

TT

TT-020

Transaction
Trailer

Transaction Control
Number

ET-010

Env. Trailer

ET

ET-020

Env. Trailer

Envelope Control Number

2014 Fannie Mae. Trademarks of Fannie Mae.

X, G, Credit

Text - User Supplied on Import Must match Control Number in TH.


System Generated on Export

X, G, Credit

End of record- TT Length=12

<N/L>

<N/L>

Record ID: Transaction Trailer

Record ID: Envelope Trailer

X, G, Credit

Text - User Supplied on Import


Must match Control Number in EH.
System Generated on Export

X, G, Credit

End of record- ET Length=12

RLD - 66 of 68

Net Rental Income


If the borrower(s) has income from rental properties, you may enter Net Rental Income either on a detailed basis in
the REO segment or on a summary basis in the Income segment:
For conventional loans, if you enter any summary Net Rental Income Amounts in segment 05I in the Casefile, the
Underwriting Engine will ignore detailed amounts for any REO property.
For government loans, the net rental amounts from the REO property is used in the ratios and any summary Net
Rental Income Amounts entered in segment 05I is ignored.
Note: Net Rental Income may be entered regardless of whether employment, commission, dividend and interest,
and other income are reported as summary or detail.
For Detail Amounts
What Data Needs to
be Entered?

For Summary Amounts

Net Rental Income for each REO property.

Net Rental Income - The total monthly amount


of net rental income on all properties owned by
the Borrower and Co-Borrower, other than the
subject property. This amount is the Gross
Rental Income X 75% on all rental properties
less mortgage payments, insurance,
maintenance, taxes and miscellaneous
expenses. (NOTE: This amount may be
negative.)
Where is it entered on Section VI Schedule of Real Estate Owned.
Section V - Monthly Income and Combined
the 1003 form?
User lists each rental property owned, and details Housing Expense Information. User enters "Net
the amount of Gross Rental Income, Expenses,
Rental Income" amount for Borrower or Coand Net Rental Income for each property.
Borrower.
Where is it on the
Segment 06G Zero or more records (one for
Segment 05I - Zero or one record, per
1003 transaction file? each REO property) for each borrower, with
borrower, of type 33 = Net Rental Income
amounts entered in field 06G-150.

Subject Property - Net Cash Flow


Net Cash Flow from the Subject Property can be recorded in only one way. This amount will only be reported for
properties that are:
1. Investor Occupied or Number of Units greater than 1, or
2. Investor Occupied and 2-4 Units.
For Investor Occupancy or No. of Units > 1
What Data Needs to be
Entered?
Where is it entered on
the 1003 form?
Where is it on the 1003
transaction file?

Subject Property - Net Cash Flow - The amount of net cash flow on the subject property as
calculated on Fannie Mae Form 216.
This is not on the 1003 as a separate data element, but it is included as an "other" income type.
Segment 05I - At most one record for each borrower, with Type of Income Code = SI (Subject
Property net Cash Flow)

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 67 of 68

Fields that can be Added during the Liability Reconciliation Process


When submitting a credit request, the submitter has the option of copying undisclosed liabilities from the nonreconciled credit report into the 1003. If this option is selected, the Fannie Mae Underwriting Engine will attempt to
reconcile liabilities disclosed on the 1003 with those contained in the requested credit report. After this process, all
remaining and non-reconcilable liabilities will be appended to the 1003.
This table defines the set of fields that may be added when auto-copying liabilities to the Fannie Mae 1003:
Data Source

Field #

Description

1003

06L-030
06L-040
06L-050
06L-060
06L-070
06L-080
06L-090
06L-100
06L-110
06L-120
06L-130

Liability Type
Creditor Name
Creditor Street Address
Creditor City
Creditor State
Creditor Zip Code
Creditor Zip Code plus Four
Account Number
Monthly Payment Amount
Months Left to Pay
Unpaid Balance

Note: The liability auto-copy functionality is available only for Fannie Mae underwriting recommendations and credit
requests.

2014 Fannie Mae. Trademarks of Fannie Mae.

RLD - 68 of 68