Residential Loan Data 1003 Integration Guide 1003 1001

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
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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-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.
RLD - 10 of 68
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.
RLD - 11 of 68
1003 Version 3.2 Residential Loan Data File Format and Requirements
This table defines the loan origination data found on the Uniform Residential Loan Application (Fannie Mae 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.
RLD - 12 of 68
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
RLD - 13 of 68
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.

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
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>
X, G
End of Record, Length = 41
<N/L>
000-010
X/Conditional,
G/Conditional:
Required for resubmit:
TPI-050 = R
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.
<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
RLD - 15 of 68
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

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

#01A-090 is Other
NOT REQUIRED
01A-110
ARM Textual Description
238
Text
80

#01A-090 is ARM
NOT REQUIRED
<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.
RLD - 16 of 68
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:
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:
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

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.
<N/L>
PAI-010
PAI
Record ID: Property Address

Information
Segment is optional. If provided it
Not Required. All

systems should support
this segment to prevent
the loss of data when a
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
<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
#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
RLD - 18 of 68
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
<N/L>
02C-010
02C-020
II
02C
Titleholder Name
60
Text
<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
#02B-030 is Construction
NOT REQUIRED
RLD - 19 of 68
Field #
02D-070
1003 Sect
II
Data Stream
Purpose of Refinance
Pos
Len
68
Seg
Occ
Field Information
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
#02D-070 is Home Improvement
NOT REQUIRED
<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

F1 = Checking/Savings
F2 = Deposit on Sales Contract
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
Employer
Nonprofit/Religious/Communit
y Seller Funded
Nonprofit/Religious/Communit
y Non-Seller Funded
04and H0 should NOT be used
for FHA loans. Per HUD
guidelines, H4 is NOT supported
and will result in an Error message
or Ineligible recommendations.
Each source of down payment
should be passed as a 02E
segment to DU. Multiple
occurances of the 02E segment
can be passed.
Only one instance of a FHA Gift
Source and Amount is sent to the
FHA TOTAL Mortgage Scorecard.
Please refer to 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.
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
<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
for DU Compare.
X, G, Credit
X/EC
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

M = Married
S = Separated
U = Unmarried (Single, Divorced,
Widowed)
X, G, Credit
EC
EC
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
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

Number

1
Record ID: Dependents Age.

Specify if field 03A-120 is >0.
Number of occurrences must equal
value in Field 03A-120.
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
<N/L>
03C
Record ID: Applicant(s) Address
X, G, Credit
03C-020
III

Number

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

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
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:
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:
EC
03C-070
III
Residence Zip Code
102
The mail zone of the property.
X/Conditional,
G/Conditional,
Credit/Conditional:
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

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

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

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.
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
<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

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
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
<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

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
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

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
<N/L>
05I-010
05I
Record ID: Income
05I-020

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
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

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
EC
<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'
<N/L>
06B-010
06B
Record ID: Life Insurance
VI

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
<N/L>
06C-010
06C
Record ID: Assets
06C-020
VI

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

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
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
06C-060
VI
Depository City
86
35
Text
06C-070
VI
Depository State
121
Text
06C-080
VI
Depository Zip Code
123
n
06C-090
VI
Depository Zip Code Plus

Four
128
n
06C-100
VI
Acct. no.
132
30
Text
06C-110
VI
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
264
Unused, pad with space
06C-150
265

<N/L>
06D-010
Record ID: Automobile(s)
06D
06D-020
VI

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
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
47
Applicant reported amount of U.S.

dollars to be received if the asset
was sold at the time of transaction.
15
ZZZZZZZZZZZZ.ZZ
<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

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
<N/L>
06G-010
06G
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
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

S = Sold
H = Retained
P = Pending Sale
R = Rental
EC
Text
06G-090
VI
Type of Property
95

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
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

<N/L>
191
15

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

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

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

previously; This must be present if
the applicant has received credit
under any other name.
06H-060
VI
Unused
118
35
06H-070
VI
Unused
153
30
X/IRE
Text
Text
Text
<N/L>
06L-010
06L-020
VI
06L

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
13
A code uniquely identifying a

category or class of debts.
X/IRE,
G/IRE

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
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
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

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.
<N/L>
07A-010
07A
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:
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:
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:
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:
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:
Casefile
Conventional: Enter amount
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:
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:
Casefile
ZZZZZZZZZZZZ.ZZ
EC
07A-110
VII
k. Applicant's closing costs

paid by Seller
139
15
ZZZZZZZZZZZZ.ZZ
X/Conditional,
G/Conditional:
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
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:
Casefile
ZZZZZZZZZZZZ.ZZ
EC
<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
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
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
<N/L>
08A
Record ID: Declarations
X, G
08A-020
VIII

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
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
explained.
X, G
08A-060
VIII
d. Are you a party to a

lawsuit?
16
Y = Yes
N = No
explained.
08A-070
VIII
e. Have you directly or

indirectly been obligated
on any loan...
17
Y = Yes
N = No
explained.
08A-080
VIII
f. Are you presently

delinquent or in default on
any Federal debt...
18
Y = Yes
N = No
explained.
08A-090
VIII
g. Are you obligated to pay

alimony child support or
separate maintenance?
19
Y = Yes
N = No
explained.
08A-100
VIII
h. Is any part of the down

payment borrowed?
20
Y = Yes
N = No
explained.
08A-110
VIII
i. Are you a co-maker or

endorser on a note?
21
Y = Yes
N = No
explained.
08A-120
VIII
j. Are you a U.S. citizen?

k. Are you a permanent
resident alien?
22

01 = US Citizen
03 = Permanent Resident-Alien
05 = Non-Permanent ResidentAlien
X, G
08A-010
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
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
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

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

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.
<N/L>
08B-010
08B
08B-020
VIII

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.
91 = Outstanding Judgments
92 = Declared Bankruptcy in past 7
years
93 = Foreclosure or deed in lieu in
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.
<N/L>
09A-010
09A
09A-020
IX

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
RLD - 42 of 68
Field #
1003 Sect
Data Stream
Pos
Len
Seg
Occ
Required
<N/L>
10A-010
Field Information
10A
10A-020

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
<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
4- Not applicable
10B
Record ID: Loan Originator

Information
One Occurrence
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
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
<N/L>
10R-010
Required
10R
Record ID: Information for

Government Monitoring Purposes
reporting on Multiple Race per
Applicant
10R-020

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
7 = Not applicable
EC
Applicant may report multiple race

types.
<N/L>
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
<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
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,
refinance or
construction-perm.
Required with value > 0,
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:
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
interior/exterior inspection
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
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,
99B-090
FNM
Appraiser Company
94
35
Text
X/Conditional,
99B-100
FNM
Appraiser License Number
129
15
Text
X/Conditional,
99B-110
FNM
Appraiser License State

Code
144
Text
X/Conditional,
<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,
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.
X/Conditional,
EC
X/Conditional,
EC
X/Conditional,
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,
Must equal
SupervisoryAppraiserLicenseNum
ber
ADS-030
Value
39
Alphanumeric
50
X/Conditional,
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
<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
000-010
<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

1 = First Mortgage
2 = Second Mortgage
F = Other Mortgage
LNC-030
Loan
Loan Documentation Type

Code
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
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
LNC-060
Loan
10
LNC-070
Loan
12
LNC-080
Loan
14
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
03 = C/I Condo (no longer
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
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
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
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,
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.
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.
<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
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
P = Possible Negative Amortization
S = Scheduled Negative
Amortization
<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.
X/Conditional,
G/Conditional
Required for ARM, if
Amortization Type (field
01A-090) is 01
X/Conditional
Fannie Mae:
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
X/Conditional:
Fannie Mae:
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
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)
<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
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)
<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
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
<N/L>
000-010
000
000-020
File Type
20 = Government Data
000-030
File Version ID
File Version = 3.20
<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.
<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
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
<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:
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
G/Conditional
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
GOA-070
Government
Seller Total Closing Costs

Fees
57
15
ZZZZZZZZZZZZ.ZZ
government unde
rwriting.
GOA-080
Government
Seller Total Closing Costs

Points (%)
72
ZZZ.ZZZ
GOA-090
Government
Other Total Closing Costs

Fees
79
15
ZZZZZZZZZZZZ.ZZ
GOA-100
Government
Other Total Closing Costs

Points (%)
94
ZZZ.ZZZ
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.
<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

underwriting.
GOB-040
Government
MIP Upfront (%)
32

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

underwriting.
GOB-070
Government
61
ZZZ
G/Conditional:
for FHA refinances
ZZZZZZZZZZZZ.ZZ
RLD - 61 of 68
Field #
1003 Sect
Data Stream
Pos
Len
Seg
Occ
Field Information
Required

underwriting.
(First Renewal Rate

(Months).
<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:
applicable to the
casefile. (from the
Estimated Monthly
Shelter Expenses
section on the VA Loan
Analysis Worksheet.).
G/Conditional:
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.

underwriting.
<N/L>
SA
Record ID: VA Loans Only
GOD-010
Government
GOD
GOD-020
Government

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
ZZZZZZZZZZZZ.ZZ
G/Conditional:
Required for VA Loans
G/Conditional:
G/Conditional:
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

for underwriting.
Government
Social Security Tax
58
15
ZZZZZZZZZZZZ.ZZ

for underwriting.
GOD-070
Government
Total Non-Taxable Income

-- Primary
73
15
ZZZZZZZZZZZZ.ZZ

for underwriting.
GOD-080
Government
Total Non-Taxable Income

-- Other
88
15
ZZZZZZZZZZZZ.ZZ

for underwriting.
GOD-090
Government
Total Taxable Income -Primary
103
15
ZZZZZZZZZZZZ.ZZ

for underwriting.
GOD-100
Government
Total Taxable Income -Other
118
15
ZZZZZZZZZZZZ.ZZ

for underwriting.
<N/L>
GOE-010
Government
GOE
GOE-020
Government

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:
for FHA
" " (Blank) = N/A

A = Not Counseled
D = HUD Approved Counseling
Agency
<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
<N/L>
LMD-010
Comm
Lending
LMD
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
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
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.
<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
X, G, Credit
Text - User Supplied on Import Must match Control Number in TH.

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.
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)
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
Months Left to Pay
Unpaid Balance
Note: The liability auto-copy functionality is available only for Fannie Mae underwriting recommendations and credit
requests.
RLD - 68 of 68

Residential Loan Data 1003 Integration Guide 1003 1001

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Residential Loan Data

Fannie Mae Form 1003, Version 3.2

Updated: July 2014

2014 Fannie Mae. All rights reserved.

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

2014 Fannie Mae. Trademarks of Fannie Mae.

2014 Fannie Mae. Trademarks of Fannie Mae.

2014 Fannie Mae. Trademarks of Fannie Mae.

2014 Fannie Mae. Trademarks of Fannie Mae.

2014 Fannie Mae. Trademarks of Fannie Mae.

2014 Fannie Mae. Trademarks of Fannie Mae.

2014 Fannie Mae. Trademarks of Fannie Mae.

Additional changes to the specifications:

2014 Fannie Mae. Trademarks of Fannie Mae.

2014 Fannie Mae. Trademarks of Fannie Mae.

2014 Fannie Mae. Trademarks of Fannie Mae.

How to Read the Data Format Tables

Record ID: File Identification

The column headings for these tables are defined as:

Record ID: Top of Form

End of record. Length=5

And the corresponding textual data file line:

2014 Fannie Mae. Trademarks of Fannie Mae.

Textual notes about the field.

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

2014 Fannie Mae. Trademarks of Fannie Mae.

Residential Loan Data - Form 1003 Version 3.2 Data Format

Record ID: Envelope Header

Fannie Mae Defined Institution ID.

Envelope Control Number

Record ID: Transaction Header

User Supplied on Import.

Record ID: Transaction

Fannie Mae CasefileID = 01

Identifier Type Code

Mandatory for import if field TPI050 = R

Populated with Fannie Mae

Import Action Indicator

Record ID: File Identification

File Version =3.20

Export Version Indicator

Field use for Export only.

2014 Fannie Mae. Trademarks of Fannie Mae.

End of Record, Length = 41

End of record. Length=12

The income or assets of a

Record ID: Top of Form

used as a basis for loan

The income or assets of

End of record. Length=5

Mortgage Applied For

Record ID: Mortgage Type and

Mortgage Applied For

Agency Case Number

Certificate number for the FHA

Government Loans: If the loan

2014 Fannie Mae. Trademarks of Fannie Mae.

If the loan type is VA, enter the

If not specified, the system will

The base loan amount (without