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.
XIS DO/DU Error Codes Lists possible error codes for Credit, Underwriting and Casefile Data Services.
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 September 24, 2016.
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 Aug. 25, 2014.
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.
2015 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 2014 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, 2014 Area Median Incomes, Fannie Mae Adjustment Factors in whole numbers, and a comparison of 2015 to 2014 AMI amounts.
2015 Community Lending and DU AMI Table Standard Replacement File Pipe-delimited text file that provides the 2015 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.
2015 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.
2015 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, 2015 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 Releases Integration Impact Memo | Oct. 15, 2016 (4.0.6), Nov. 9, 2016 (4.2), and Jan. 21, 2017 (5.0) new Describes three upcoming releases planned for EarlyCheck and how to ensure that your integrated system(s) will be prepared to support Versions 4.0.6, 4.2, and 5.0.
DU Integration Impact Memo | Late 2016 Describes an update to the Homebuyer Education Completion Indicator in Desktop Underwriter (DU), scheduled for late 2016.
DU for Government Loans Integration Impact Memo | Aug. 20, 2016 During the weekend of August 20, 2016, Desktop Underwriter® (DU®) for government loans will be updated to support FHA related changes, as well as several other messaging and logic updates.
DU V. 10.0 Integration Impact Memo | Sept. 24, 2016 Describes changes in the DU V. 10.0 release that will affect DO/DU integration including changes to the 1003 data specifications to support changes to underwriting guidelines, and credit report updates.
EarlyCheck V. 4.0.5 Integration Impact Memo | June 27, 2016 Describes EarlyCheck updates, effective June 27, 2016, including changes to EarlyCheck submissions via Direct Integration and the User Interface.
EarlyCheck V. 4.0.4 Integration Impact Memo | April 1, 2016 Describes updates scheduled for April 1, 2016, including updates to the severity and message text of several active edits within EarlyCheck.
EarlyCheck V. 4.0.3 Integration Impact Memo | March 5, 2016 This release, scheduled for March 5, 2016, includes new, modified, and deactivated EarlyCheck loan-level edits and new edit categories supported in the EarlyCheck loan-level XML results.
DU for Government Loans Integration Impact Memo | Jan. 23, 2016 During the weekend of January 23, 2016, Desktop Underwriter (DU) for government loans will be updated according to the DU for Government Loans Release Notes to support the VA 2016 county loan limit changes, as well as FHA related message changes.
EarlyCheck V. 4.0 Update Integration Impact Memo | Dec. 1, 2015 Describes edit message changes scheduled for Dec. 1, 2015. Changes include new and modified edits as well as the deactivation of edits.
DU V. 9.3 Integration Impact Memo | Dec. 12, 2015 Changes include new, modified, and retired Desktop Underwriting (DU) Findings messages; as well as changes to the 1003 data specifications to support changes to underwriting guidelines, alignment with the Selling Guide, and related updates to the XML findings file. Updates will also be required in order to support underwriting HomeReady mortgage loans through your interface by DU.
DU V. 9.2 August Update Integration Impact Memo | Aug. 15, 2015 Describes updates to DU Version 9.2 scheduled for the weekend of Aug. 15, 2015, including new, modified, and retired DU Underwriting Findings messages, changes to the loan application, and implementation of the 2015 Area Median Income limits.
DU for Government Loans Integration Impact Memo | Sept. 12, 2015 Implements previously announced changes from October 2014, changes to comply with the FHA’s new Single Family Housing Policy Handbook, and other messaging updates.
EarlyCheck V. 4.0 Integration Impact Memo | Sept. 12, 2015 Describes EarlyCheck Version 4.0, which will include new and modified EarlyCheck loan-level edits, ULDD Phase 2 changes, and new Special Feature Code and Borrower Information sections in the Loan-Level Results.
Desktop Underwriter Spring 2015 Update Collateral Underwriter (CU) will be integrated with Desktop Underwriter (DU) in the second quarter of 2015 to give lenders a more holistic view of risk, which will provide a foundation for future waivers of representations and warranties on value. Includes details needed to prepare for the upcoming integration.
EarlyCheck V. 3.0 Integration Impact Memo | April 18, 2015 EarlyCheck Version 3.0 will provide access to appraisal information from the Uniform Collateral Data Portal (UCDP) and Collateral Underwriter (CU) to support appraisal comparison results and assist lenders in detecting appraisal data inconsistencies within their loan files.
DU for Government Loans Integration Impact Memo | Jan. 17, 2015 Describes updates being made to support the VA 2015 loan limit changes.
DU V. 9.2 Integration Impact Memo | Dec. 13, 2014 Describes Desktop Underwriter (DU) Version 9.2 updates scheduled for the weekend of Dec. 13, 2014. This release includes new, modified, and retired DU Underwriting Findings messages and changes to the loan application.
EarlyCheck V. 2.5 Integration Impact Memo | Dec. 13, 2014 Describes changes in EarlyCheck Version 2.5, including new and modified edits, edit deactivations, and updates to the EarlyCheck summary and loan-level results.
DU for Government Loans Integration Impact Memo | Oct. 18, 2014 Describes scheduled updates to Desktop Underwriter (DU) for government loans to support VA and FHA loan casefile submissions, including retirement of a DU for government loans version, update to data entry guidance for FHA Gift Funds, changes to Mortgage Insurance Premium information sent to FHA, updates based on HUD Mortgagee Letters 13-24 and 13-25, and miscellaneous FHA and VA calculations and message updates.
DU User Interface Integration Impact Memo Update | Sept. 20, 2014 Provides details on updates to the Desktop Underwriter (DU) and Desktop Originator (DO) User Interfaces scheduled for the weekend of Sept. 20, 2014. Includes four updates that may affect Direct Web Post integrators to DO and DU.
DU V. 9.1 Integration Impact Memo Update | Aug. 16, 2014 Describes planned updates to Desktop Underwriter (DU), including new, modified, and retired DU Underwriting Findings messages, changes to the loan application, and implementation of the 2014 Area Median Income limits.
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.
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.
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.
EarlyCheck V. 2.1 Integration Impact Memo | Nov. 17, 2012 Includes information on EarlyCheck Version 2.1.
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.

Release Support: Release Test Cases

Title Description
DU V. 9.3 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.
DU for Government Loans September 2015 Release 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. 9.2 August 2015 Update V. 3.0 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.
DU V. 9.2 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.
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.
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.

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 updated Instructions on how to use the Test Credit Agency in Desktop Underwriter and Desktop Originator.
Test Credit Report Characteristics updated List of borrowers and characteristics in the Test Credit Agency, which can be used in Desktop Underwriter and Desktop Originator.