System Integration

Title Description
XIS Connectivity and Request Specifications Integration Guide Guidance for selecting connectivity methods, building requests and receiving responses using the Fannie Mae XML integration method.
XIS Underwriting and Credit Services Specifications Specifications for users to make requests to and receive responses from Fannie Mae Credit and Underwriting Service using the XML integration method.
XIS Casefile Data Services Specifications Guidance for selecting connectivity methods, building requests and receiving responses using the Fannie Mae XML integration method.
XIS DO/DU Error Codes Lists possible error codes for Credit, Underwriting and Casefile Data Services.
XIS EarlyCheck Service Specifications Specification provides guidance to send requests and receive responses from Fannie Mae's EarlyCheck service using the XML integration method.
XIS EarlyCheck Document Type Definitions Contains the required elements for EarlyCheck service Document Type Definitions (DTDs) and Schemas.
XIS DU Underwriting and Credit Document Type Definitions Contains the required elements for DU Underwriting and Credit Document Type Definitions (DTDs).
XIS Casefile Data Service Document Type Definitions Contains the required elements for Casefile Data Service Document Type Definitions (DTDs).
XIS Common Document Type Definitions Contains the common and required elements for all control input Document Type Definitions (DTDs), as well as Request and Response DTDs applicable to all services.
UCDP Technical Integration Guide Guide for direct lender integration to the Uniform Collateral Data Portal (UCDP) for the delivery of electronic appraisal data to Fannie Mae and Freddie Mac.
UCDP Encryption Addendum to Integration Guide Addendum to the Technical Integration Guide, describing how to secure routing input during encryption.
UCDP Obtaining and Configuring Direct Integration Credentials Job Aid Provided for lenders integrating directly with the Uniform Collateral Data Portal (UCDP) to submit electronic appraisal data to Fannie Mae.
UCDP Direct Integration User ID Request Form Lenders can use this form to integrate directly with the Uniform Collateral Data Portal (UCDP) to submit electronic appraisal data to Fannie Mae.
Uniform Appraisal Dataset Compliance Messages This document includes the messages users may receive in the Uniform Collateral Data Portal (UCDP) resulting from the Uniform Appraisal Dataset (UAD) Compliance Check. For development purposes, the related Message IDs are also included. Please note the messages may be edited from time to time without prior or proactive notification.

Data Standards File Format

Title Description
Residential Loan Data Format 1003, V. 3.2 Integration Guide Specifies the data formats and codes for creating the Fannie Mae loan data file (Form 1003) including the data documentation for Community Lending and government loans. This includes the lengths and types of field data, field data dictionaries, applicable code conversions, and the identification of required fields for underwriting.
1003 V. 3.2 File Format Validation Tool (UTScan) Use this simple tool to analyze data mapping accuracy and validate your applications rendering of the 1003 Version 3.2 file format. UTScan generates two report files: one that documents simple errors; the second displays how data elements match to corresponding 1003 segments.
MISMO AUS V. 2.3.1 Underwriting Requirements Specification Identifies the Fannie Mae data specifications for the MISMO Automated Underwriting Specification (AUS) version 2.3.1 Document Type Definition (DTD). The AUS 2.3.1 contains data specifications for conforming loans, government loans, and loans eligible for Fannie Mae Community Lending.
MISMO AUS V 2.3.1 DTD with Fannie Mae Extensions The Document Type Definition (DTD) corresponds to the 1003, v. 3.2 and includes Fannie Mae extended data.
Fannie Mae and EDI Code Conversions Integration Guide Contains a list of the Fannie Mae and EDI Conversion Codes.
Credit Report Data Format Specification (CRD) Details the data formatting and reference codes needed to decipher the credit report returned by Fannie Mae's Credit Service.

Data Standards Supporting Resources

Title Description
Credit Provider Name and Code Update Information This spreadsheet summarizes the updates that have been made to the list of credit providers and those that will take effect on January 18, 2014.
DO/DU ARM Plan Numbers The Fannie Mae ARM Plan spreadsheet provides a list of ARM Plan numbers and corresponding ARM product descriptions available in Desktop Originator (DO) and Desktop Underwriter (DU). Updated Sept. 26, 2013.
FHA County Names (.txt) This fixed data file includes a comprehensive list of 2011 FHA County Names and associated states. These names are derived from the FHA website and correspond to the values Fannie Mae uses in DO/DU. Updated December 17, 2010.
FHA County Names (.xls) This spreadsheet includes a comprehensive list of 2011 FHA County Names and associated states. These names are derived from the FHA website and correspond to the values Fannie Mae uses in DO/DU. Updated December 17, 2010.
2013 Community Lending and DU AMI Master Data File Use this file to create customized data sets to expedite the update of your systems. This is a comprehensive spreadsheet of the 2013 AMI values and corresponding data. It includes the MSA or County Names for DU, FIPS State Codes, State Names, FIPS County Codes, County Names, MSA Codes, 2012 Area Median Incomes, Fannie Mae Adjustment Factors in whole numbers, and a comparison of 2013 to 2012 AMI amounts.
2013 Community Lending and DU AMI Table Standard Replacement File Pipe-delimited text file that provides the 2013 DU accepted format for MSA and County Names and expected area median income values. Please note: If submitted or stored by your LOS, the Fannie Mae Adjustment Factor LMD-070 must be sent as a whole number.
2013 Community Lending and DU AMI Table Whole Number Replacement File Same as the Standard Format Replacement file, but provides the Adjustment Factor as a whole number instead of a decimal number. Please note: If submitted or stored by your LOS, the Fannie Mae Adjustment Factor LMD-070 must be sent as a whole number.
2013 Community Lending and DU AMI Table MSA Five-Column Replacement File Certain LOS systems require the standard file with an additional column for MSA and county name. This pipe-delimited text file includes the state abbreviation, 2013 DU name for MSA and county, MSA and county code, area median income, and the adjustment factor.

Release Support: Integration Impact Memos

Title Description
EarlyCheck V. 2.4 Integration Impact Memo | April 12, 2014 Describes planned updates for EarlyCheck, scheduled for the weekend of April 12, 2014, including new, modified, and deactivated EarlyCheck loan-level edits and MISMO AUS v2.3.1 enumeration updates.
DU for Government Loans Integration Impact Memo | Jan. 18, 2014 Describes updates being made to support the VA 2014 loan limit changes.
DU V. 9.1 Integration Impact Memo Update 2 | Nov. 16, 2013 Describes integration impact of changes to DU announced in Desktop Originator/Desktop Underwriter Release Notes for DU Version 9.1, scheduled for release on Nov. 16, 2013.
DU for Government Loans Integration Impact Memo | Oct. 19, 2013 Announces technology infrastructure upgrade to Desktop Underwriter (DU) for government loans, updates to the FHA reserves calculation on 3- to 4-unit properties, new DU Underwriting Findings Report messages and new error messaging.
EarlyCheck V. 2.2 Integration Impact Memo | Sept. 21, 2013 Describes updates to the EarlyCheck application that will be effective September 23, 2013, including new loan-level edits, new mortgage insurance (MI) company input file types, updated refinance purpose code, and more.
UCDP Integration Impact Memo | June 2013 (request via email) Describes updates to several of the current Uniform Appraisal Dataset (UAD) edits, which will convert from warning to fatal status in the Uniform Collateral Data Portal (UCDP) in June 2013. In addition, explains upcoming changes to the appraisal file formats supported by UCDP.
DU V. 9.0 Integration Impact Memo | May 18, 2013 Describes new, modified, and retired Desktop Underwriter (DU) Underwriting Findings Messages; product plan number (ARM plan number) change; update to UTScan; and additional updates.
EarlyCheck V. 2.2 Integration Impact Memo | March 23, 2013 Describes changes in the EarlyCheck Version 2.2 release that could affect EarlyCheck integrated systems.
DU for Government Loans Integration Impact Memo | Jan. 12, 2013 Describes updates being made to support the VA 2013 loan limit changes.
EarlyCheck V. 2.1 Integration Impact Memo | Nov. 17, 2012 Includes information on EarlyCheck Version 2.1.
DU V. 9.0 Integration Impact Memo | Oct. 20, 2012 Includes income Type additions, Project Type Code retirements, and Underwriting Recommendation updates.
EarlyCheck V. 2.0 Integration Impact Memo | July 21, 2012 Includes information on new access methods, supported file formats, and new edits being introduced with EarlyCheck Version 2.0.
DU for Government Loans Integration Impact Memo | July 21, 2012 Announces new and modified DU Underwriting Findings messages for government loans and updates to support some optional data fields changing to required for FHA loan submissions.
DU V. 8.3 Integration Impact Memo | April 28, 2012 Announces message enhancements to DU Refi Plus.
DU V. 8.3 Integration Impact Memo | March 17, 2012 Includes enhancements to DU Refi Plus, and other miscellaneous updates and modified message.
DU for Government Loans Integration Impact Memo (Vendors) | Feb. 18, 2012 Includes updates to support the FHA and VA 2012 County Loan Limits.
DU for Government Loans Integration Impact Memo | Dec. 17, 2011 Announces new, modified and retired Desktop Underwriter Underwriting Findings messages.
DU for Government Loans Integration Impact Memo | Sept. 17, 2011 Notes addition of new field for the FHA TOTAL Mortgage Scorecard, changes to FHA and VA loan limit and message updates, and updates for HUD Mortgagee Letter 2011-11. Updated Sept. 13, 2011, to reflect updated FHA loan limits.
EarlyCheck V. 1.3 Integration Impact Memo | Aug. 20, 2011 Includes information on changes to check severity and updates to loan limit checks.
DU V. 8.3 Integration Impact Memo | Aug. 20, 2011 Adds new, modified and retired Desktop Underwriter Underwriting Findings messages, loan application data updates, updates to UTScan, changes to the HTML findings report, and retirement of DU 8.1.
DU for Government Loans Integration Impact Memo | June 18, 2011 Includes updates to support FHA Mortgagee Letters 2009-43, 2009-46b, 2009-48, 2009-52, 2010-13, 2010-29, and 2010-36; and also VA Circular 26-09-4.
1003 V. 3.2 and MISMO AUS V. 2.3.1 Data Expansion Integration Impact Memo | May 3, 2011 Expands 1003 v3.2 and MISMO AUS v2.3.1 to support FHFA and FHA data requirements.
DU for Government Loans Integration Impact Memo (Vendors) | Jan. 22, 2011 Includes updates to support the FHA and VA 2011 County Loan Limits and FHA County Names.
DU V. 8.2 Integration Impact Memo (Vendors) | Dec. 11, 2010 Adds new, modified and retired Desktop Underwriter Underwriting Findings messages, Special Feature Codes, and Documentation Level Codes, policy changes that affect loan-to-value (LTV) rounding and the debt-to-income (DTI) calculation.
DU V. 8.2 Integration Impact Memo | Dec. 11, 2010 New, modified and retired Desktop Underwriter Underwriting Findings messages, Special Feature Codes, and Documentation Level Codes, policy changes that affect LTV rounding and the debt-to-income (DTI) calculation.
DU Area Median Income Integration Impact Memo (Vendors) | Sept. 25, 2010 Implements 2010 Area Median Income limits in Desktop Underwriter.
DU V. 8.1 Integration Impact Memo | June 19, 2010 Adds new, modified and retired Desktop Underwriter Underwriting Findings messages.
DU V. 8.1 Integration Impact Memo (Vendors) | June 19, 2010 Adds new, modified and retired Desktop Underwriter Underwriting Findings messages.
DU V. 8.0 Integration Impact Memo | April 17, 2010 Includes new, modified and retired Desktop Underwriter (DU) Underwriting Findings messages, message severity code changes, updates to the 1003 v3.2 and MISMO AUS v2.3.1 loan application data files and DO/DU user interface, new Special Feature Codes for HFA Affordable Advantage Loans, and a Documentation Level Code update.
DU V. 8.0 Integration Impact Memo (Vendors) | April 17, 2010 Adds new, modified and retired Desktop Underwriter Underwriting Findings messages, message severity code changes, updates to the 1003 v3.2 and MISMO AUS v2.3.1 loan application data files and DO/DU user interface, new Special Feature Codes for HFA Affordable Advantage Loans, and a Documentation Level Code update.
DU for Government Loans Integration Impact Memo | Jan. 23, 2010 Includes updates to support the FHA and VA 2010 County Loan Limits.
DU and XIS Underwrite and Casefile Data Service Release Integration Impact Memo (Vendor: DO CFDS) | Feb. 20, 2010 Updates to how our backend production systems generate the Desktop Underwriter (DU) and Custom Desktop Underwriter (Custom DU) Underwriting Findings available from the XIS DU Underwrite and Casefile Data Service, as well as updates to the Desktop Originator (DO)/DU user interface.
DU and XIS Underwrite and Casefile Data Service Release Integration Impact Memo (Vendors) | Feb. 20, 2010 Updates how our backend production systems generate the Desktop Underwriter (DU) and Custom Desktop Underwriter (Custom DU) Underwriting Findings available from the XIS DU Underwrite and Casefile Data Service, as well as updates to the Desktop Originator (DO)/DU user interface.
DU and Loan Delivery FHFA Mortgage Loan Data Requirements Integration Impact Memo (Vendors) Expands 1003 v3.2 and MISMO AUS v2.3.1 to support FHFA and FHA data requirements.

Release Support: Release Test Cases

Title Description
DU V. 9.1 1003 and MISMO 2.3.1 Test Case Suite Our suite of test cases is designed to help verify your software application's ability to create and process loan information using our supported data formats and interfaces. These test cases contain fictional borrowers and sample data that can be submitted to Fannie Mae's services without incurring normally associated fees.
UCDP June 2013 Test Case Suite The Uniform Collateral Data Portal (UCDP) June suite of test cases is designed to help confirm your system can support the return of fatal Uniform Appraisal Dataset (UAD) messages and the associated Hard Stop, 401, which will be implemented in the UCDP as of June 22, 2013.
DU V. 9.0 1003 3.2 and MISMO 2.3.1 Test Case Suite Our suite of test cases is designed to help verify your software application's ability to create and process loan information using our supported data formats and interfaces. These test cases contain fictional borrowers and sample data that can be submitted to Fannie Mae's services without incurring normally associated fees.
DU for Government Loans 1003 3.2 and MISMO 2.3.1 Test Case Suite July 21, 2012 Our suite of test cases is designed to help verify your software application's ability to create and process loan information using our supported data formats and interfaces. These test cases contain fictional borrowers and sample data that can be submitted to Fannie Mae's services without incurring normally associated fees.
DU V. 8.3 1003 3.2 and MISMO 2.3.1 Test Case Suite Our suite of test cases is designed to help verify your software application's ability to create and process loan information using our supported data formats and interfaces. These test cases contain fictional borrowers and sample data that can be submitted to Fannie Mae's services without incurring normally associated fees.
DU for Government Loans 1003 3.2 and MISMO 2.3.1 Test Case Suite Dec. 17, 2011 Our suite of test cases is designed to help verify your software application's ability to create and process loan information using our supported data formats and interfaces. These test cases contain fictional borrowers and sample data that can be submitted to Fannie Mae's services without incurring normally associated fees.
DU for Government Loans 1003 3.2 and MISMO 2.3.1 Test Case Suite Sept. 17, 2011 Our suite of test cases is designed to help verify your software application's ability to create and process loan information using our supported data formats and interfaces. These test cases contain fictional borrowers and sample data that can be submitted to Fannie Mae's services without incurring normally associated fees.
DU for Government Loans 1003 3.2 and MISMO 2.3.1 Test Case Suite June 18, 2011 Our suite of test cases is designed to help verify your software application's ability to create and process loan information using our supported data formats and interfaces. These test cases contain fictional borrowers and sample data that can be submitted to Fannie Mae's services without incurring normally associated fees.
DU V. 8.2 1003 3.2 and MISMO 2.3.1 Test Case Suite Our suite of test cases is designed to help verify your software application's ability to create and process loan information using our supported data formats and interfaces. These test cases contain fictional borrowers and sample data that can be submitted to Fannie Mae's services without incurring normally associated fees.
DU V. 8.1 1003 3.2 and MISMO 2.3.1 Test Case Suite Our suite of test cases is designed to help verify your software application's ability to create and process loan information using our supported data formats and interfaces. These test cases contain fictional borrowers and sample data that can be submitted to Fannie Mae's services without incurring normally associated fees.
DU V. 8.0 1003 3.2 and MISMO 2.3.1 Test Case Suite April Update Our suite of test cases is designed to help verify your software application's ability to create and process loan information using our supported data formats and interfaces. These test cases contain fictional borrowers and sample data that can be submitted to Fannie Mae's services without incurring normally associated fees.
DU V. 8.0 1003 3.2 and MISMO 2.3.1 Test Case Suite Our suite of test cases is designed to help verify your software application's ability to create and process loan information using our supported data formats and interfaces. These test cases contain fictional borrowers and sample data that can be submitted to Fannie Mae's services without incurring normally associated fees.
DU for Government Loans 1003 3.2 and MISMO 2.3.1 Test Case Suite Sept. 19, 2009 Our suite of test cases is designed to help verify your software application's ability to create and process loan information using our supported data formats and interfaces. These test cases contain fictional borrowers and sample data that can be submitted to Fannie Mae's services without incurring normally associated fees.
DU V. 7.1 1003 3.2 and MISMO 2.3.1 Test Case Suite June Update Our suite of test cases is designed to help verify your software application's ability to create and process loan information using our supported data formats and interfaces. These test cases contain fictional borrowers and sample data that can be submitted to Fannie Mae's services without incurring normally associated fees.
DU V. 7.1 1003 3.2 and MISMO 2.3.1 Test Case Suite May Update Our suite of test cases is designed to help verify your software application's ability to create and process loan information using our supported data formats and interfaces. These test cases contain fictional borrowers and sample data that can be submitted to Fannie Mae's services without incurring normally associated fees.

Integration Test Cases

Title Description
Data Integrity Test Case Suite Our suite of test cases is designed to help verify your software application's ability to create and process loan information using our supported data formats and interfaces. These test cases contain fictional borrowers and sample data that can be submitted to Fannie Mae's services without incurring normally associated fees.
Basic Test Case Suite Our suite of test cases is designed to help verify your software application's ability to create and process loan information using our supported data formats and interfaces. These test cases contain fictional borrowers and sample data that can be submitted to Fannie Mae's services without incurring normally associated fees.
1003 3.2 and MISMO 2.3.1 Test Case Matrix Our suite of test cases is designed to help verify your software application's ability to create and process loan information using our supported data formats and interfaces. These test cases contain fictional borrowers and sample data that can be submitted to Fannie Mae's services without incurring normally associated fees.
Test Credit Report Procedures Instructions on how to use the Test Credit Agency in Desktop Underwriter and Desktop Originator.
Test Credit Report Characteristics List of borrowers and characteristics in the Test Credit Agency, which can be used in Desktop Underwriter and Desktop Originator.