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Technology_Integration_Resources___Fannie_Mae/links/_.md/Appendix_C___XML_Samples___Fannie_Mae_ph49ua.md

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+---
+source_url: "https://singlefamily.fanniemae.com/learning-center/delivering/uniform-loan-delivery-dataset-uldd/appendix-c-xml-samples?utm_source=sfmc&utm_medium=email&utm_campaign=10965074&utm_term=5132820&utm_content=43147116&sfmc_id=1130701499"
+date_accessed: "2026-01-27T18:02:18.009Z"
+---
+
+[Skip to main content](#main-content)
+
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+
+ // Get the toggle button and the search form block document.addEventListener('DOMContentLoaded', function () { var toggleButton = document.querySelector('.fm-toggle-search'); var searchFormBlock = document.querySelector('.fm-search__form-block--header'); // Add click event listener to the toggle button toggleButton.addEventListener('click', function () { searchFormBlock.classList.toggle('is-open'); }); });  atomic-search-interface#search-interface-search-bar { position: absolute; right: 1%; top: 0; padding: 8px; background: #F1F1EF; border-radius: 55px; width: 98%; z-index: 999; transform: translateY(-60px); } @media only screen and (min-width: 768px) { atomic-search-interface#search-interface-search-bar { width: 430px; right: 16px; min-width: 430px; transform: unset; } } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; border-right: solid 15px transparent; display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box { width: auto; max-width: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper) { border: 1px solid rgba(12, 12, 12, 0.3); border-radius: 24px; background: #fff; padding: 4px 10px; align-items: center; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper):focus-within { box-shadow: unset; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input) { color: #121212; font-family: 'Source Sans Pro', sans-serif; font-weight: 400; font-size: 16px; display: block; width: 100%; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-indent: 0; padding: 12px 14px; line-height: 24px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input)::placeholder { color: #717171; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; border-right: solid 15px transparent; display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box { width: auto; max-width: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper) { border: 1px solid rgba(12, 12, 12, 0.3); border-radius: 24px; background: #fff; padding: 4px 10px; align-items: center; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper):focus-within { box-shadow: unset; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input) { color: #121212; font-family: 'Source Sans Pro', sans-serif; font-weight: 400; font-size: 16px; display: block; width: 100%; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-indent: 0; padding: 12px 14px; line-height: 24px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input)::placeholder { color: #717171; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } .fm-search__form-block--header.is-open { transform: inherit; opacity: 1; display: block; } .fm-search__form-block--header { transform: translateY(-20px); transition: all 0.4s ease-in-out; opacity: 0; z-index: -1; } .fm-search__form-block--header.container { position: relative; padding: 0; max-width: 100%; } atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(clear-icon):hover { color: #1c6fa3; } atomic-search-interface#search-interface-search-bar.guide atomic-search-box::part(clear-button) { margin-top: -8px; margin-right: 10px; }
+
+ 
+
+ []() 
+
+ - [Home](/)
+ - [Learning Center](/learning-center)
+ - Appendix C | XML Samples
+
+ # Appendix C | XML Samples
+
+ Contains Uniform Loan Delivery Dataset (ULDD) XML samples necessary when submitting single-family loan delivery data in the MISMO XML file format.
+
+ ## Scenarios
+
+ [**Scenario 1** | Fannie Mae Conventional Fixed-Rate Purchase – Whole Loan](/media/document/xml/uldd-implementation-guide-appendix-c-scenario-1)**(Updated)**
+
+[**Scenario 2** | Fannie Mae Conventional ARM Refinance – Whole Loan](/media/document/xml/uldd-implementation-guide-appendix-c-scenario-2)**(Updated)**
+
+[**Scenario 3** | Fannie Mae Conventional Fixed-Rate Condo Purchase - Whole Loan Delivery](/media/document/xml/uldd-implementation-guide-appendix-c-scenario-3)**(Updated)**
+
+[**Scenario 4**| Fannie Mae Purchase 30 Year Conventional Mortgage Transaction Updated for UAD 3.6 Narrative - Whole Loan](/media/document/xml/uldd-implementation-guide-appendix-c-scenario-4) **(New)**
+
+ [Download all ULDD Fannie Mae Test Cases (XML) (Appendix C) >](/media/document/zip/xml-samples-zip-appendix-c)
+
+ [Uniform Loan Delivery Dataset (ULDD) >](/delivering/uniform-mortgage-data-program/uniform-loan-delivery-dataset)
+
+ campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } });
+
+ 
+
+ ![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg)
+
+ ### Have questions?
+
+ Get answers to your policy and guide questions, straight from the source.
+
+ [Get Started **](/applications-technology/ask-poli)
+
+ ###### Work with Fannie Mae
+
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+ - [Password Reset](https://passwordreset.fanniemae.com/)
+ - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer)
+
+ ###### Products & Solutions
+
+ - [Mortgage Products & Options](/originating-underwriting/mortgage-products)
+ - [Technology Apps & Solutions](/applications-technology/applications-technology)
+
+ ###### Support & Resources
+
+ - [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts)
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+ - [Learning Center](/learning-center)
+ - [News & Events](/news-events)
+ - [Report mortgage fraud](/mortgage-fraud-prevention)
+
+ ###### Other Sites
+
+ - [Fannie Mae's Consumer Website](https://www.fanniemae.com/)
+ - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/homeownership/duty-serve)
+ - [HomePath](https://www.homepath.com/)
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+
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+
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@@ -0,0 +1,290 @@
+---
+source_url: "https://singlefamily.fanniemae.com/applications-technology/desktop-underwriter-validation-service/du-validation-service-verification-report-vendors"
+date_accessed: "2026-01-27T18:02:18.432Z"
+---
+
+[Skip to main content](#main-content)
+
+ > *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]*  ## FM Platform Nav
+
+ Toggle navigation  - - [Home](https://www.fanniemae.com/)
+ - [Single-Family Business](/)   Toggle  - [Originating & Underwriting](/originating-underwriting)
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+ - [Archive](https://www.fanniemae.com/data-and-insights/surveys-indices/national-housing-survey/national-housing-survey-archive)
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+ - [Archive](https://www.fanniemae.com/data-and-insights/surveys-indices/mortgage-lender-sentiment-survey/mortgage-lender-sentiment-survey-archive)
+ - [Fannie Mae Home Price Index](https://www.fanniemae.com/data-and-insights/surveys-indices/fannie-mae-home-price-index)
+ - [Home Price Expectations Survey](https://www.fanniemae.com/data-and-insights/surveys-indices/home-price-expectations-survey-hpes)
+ - [Refinance Application-Level Index](https://www.fanniemae.com/data-and-insights/surveys-indices/refinance-application-level-index)   Toggle  - [About the Refinance Application-Level Index](https://www.fanniemae.com/data-and-insights/surveys-indices/refinance-application-level-index/about-refinance-application-level-index)
+ - [Special Topics](https://www.fanniemae.com/data-and-insights/surveys-indices/special-topics/special-topics-archive)   Toggle  - [Consumer Mortgage Understanding Survey](https://www.fanniemae.com/mortgage-understanding-study)
+ - [Special Topics Archive](https://www.fanniemae.com/data-and-insights/surveys-indices/special-topics/special-topics-archive)
+ - [Publications](https://www.fanniemae.com/data-and-insights/publications)   Toggle  - [Fannie Mae Working Papers](https://www.fanniemae.com/data-and-insights/publications/fannie-mae-working-papers)
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+ - [Archive - 2024](https://www.fanniemae.com/data-and-insights/perspectives/fannie-mae-perspectives-2024-archive)
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+ Menu  Single-Family Business
+
+ ## FM Site Nav
+
+ [Homepage  ![Fannie Mae logo](/themes/custom/particle/dist/app-drupal-sf/assets/fm_logo_rgb.png)](https://www.fanniemae.com/) - [Originating & Underwriting](/originating-underwriting)
+ - [Pricing & Execution](/pricing-execution)
+ - [Delivering](/delivering)
+ - [Servicing](/servicing)
+ - [Learning Center](/learning-center)
+ - [Apps & Technology](/applications-technology/applications-technology)
+ - [News & Events](/news-events)
+ - [Become a Partner](/become-fannie-mae-seller-or-servicer)
+ Toggle search  **  
+
+ [Login](/saml/login?destination=/)  // Function to initialize a search interface document.addEventListener('DOMContentLoaded', async function () { async function initializeSearchInterface(id, accessToken, organizationId) { const searchInterface = document.getElementById(id); if (searchInterface) { await customElements.whenDefined("atomic-search-interface"); // Initialization await searchInterface.initialize({accessToken: accessToken, organizationId: organizationId, organizationEndpoints: await searchInterface.getOrganizationEndpoints(organizationId)}); // Only need this for the guides. if (window.location.host.indexOf("guide") !== -1 || window.location.host.indexOf("credit") !== -1 || window.location.host.indexOf("fm") !== -1) { const searchBox = document.querySelector('atomic-search-interface#search-interface-search-bar atomic-search-box'); const engine = searchInterface.engine; var currentQuery = ""; function handleStateUpdate() { const state = engine.state; if (engine.state.query.q != "" && currentQuery != engine.state.query.q) { currentQuery = engine.state.query.q; var redirectUrl = searchBox.redirectionUrl + "&q=" + engine.state.query.q; searchBox.redirectionUrl = redirectUrl; } } const unsubscribe = engine.subscribe(handleStateUpdate); } } } // Initialize the first search initializeSearchInterface("search-interface-search-bar", 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc', 'fanniemae9glu2r77'); var accessToken = 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc'; var fieldName = "@clickableuri"; var fieldValue = function () {return location.href } setTimeout(function(){ coveoua("init", accessToken, "https://fanniemae9glu2r77.analytics.org.coveo.com/rest/ua"); coveoua("send", "view", { contentIdKey: fieldName, contentIdValue: fieldValue(), }); }, 3000); });  
+
+ // Get the toggle button and the search form block document.addEventListener('DOMContentLoaded', function () { var toggleButton = document.querySelector('.fm-toggle-search'); var searchFormBlock = document.querySelector('.fm-search__form-block--header'); // Add click event listener to the toggle button toggleButton.addEventListener('click', function () { searchFormBlock.classList.toggle('is-open'); }); });  atomic-search-interface#search-interface-search-bar { position: absolute; right: 1%; top: 0; padding: 8px; background: #F1F1EF; border-radius: 55px; width: 98%; z-index: 999; transform: translateY(-60px); } @media only screen and (min-width: 768px) { atomic-search-interface#search-interface-search-bar { width: 430px; right: 16px; min-width: 430px; transform: unset; } } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; border-right: solid 15px transparent; display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box { width: auto; max-width: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper) { border: 1px solid rgba(12, 12, 12, 0.3); border-radius: 24px; background: #fff; padding: 4px 10px; align-items: center; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper):focus-within { box-shadow: unset; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input) { color: #121212; font-family: 'Source Sans Pro', sans-serif; font-weight: 400; font-size: 16px; display: block; width: 100%; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-indent: 0; padding: 12px 14px; line-height: 24px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input)::placeholder { color: #717171; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; border-right: solid 15px transparent; display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box { width: auto; max-width: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper) { border: 1px solid rgba(12, 12, 12, 0.3); border-radius: 24px; background: #fff; padding: 4px 10px; align-items: center; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper):focus-within { box-shadow: unset; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input) { color: #121212; font-family: 'Source Sans Pro', sans-serif; font-weight: 400; font-size: 16px; display: block; width: 100%; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-indent: 0; padding: 12px 14px; line-height: 24px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input)::placeholder { color: #717171; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } .fm-search__form-block--header.is-open { transform: inherit; opacity: 1; display: block; } .fm-search__form-block--header { transform: translateY(-20px); transition: all 0.4s ease-in-out; opacity: 0; z-index: -1; } .fm-search__form-block--header.container { position: relative; padding: 0; max-width: 100%; } atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(clear-icon):hover { color: #1c6fa3; } atomic-search-interface#search-interface-search-bar.guide atomic-search-box::part(clear-button) { margin-top: -8px; margin-right: 10px; }
+
+ 
+
+ []() 
+
+ - [Home](/)
+ - DU Validation Service Verification Report Vendors & Approved Vendor Tools
+
+ Applications & Technology
+
+ # DU Validation Service Verification Report Vendors & Approved Vendor Tools
+
+ Simplify the Cycle
+
+ ##### Additional Resources
+
+ - [DU Validation Service](/applications-technology/du-validation-service)
+ - [Interested in Becoming a Vendor?](/technology-integration/new-technology-service-providers)
+
+ []()
+
+ Take advantage of the Desktop Underwriter® (DU®) validation service, which uses third-party data vendors to independently validate borrower income, employment, and asset data, providing our lenders with [Day 1 Certainty®](/applications-technology/day-1-certainty) on validated loan components. By digitally validating secure third-party data through DU, you can help eliminate the paper chase and help get your borrowers approved quickly. In addition, other approved vendor tools may provide relief from representations and warranties.
+
+ Lenders may participate in the DU validation service through relationships with vendors of their choice if those vendors provide validation reports accepted by Fannie Mae. To mitigate the risk that Fannie Mae assumes by offering representation and warranty relief on validated loan components, we have a structured process and guidelines for determining eligible verification reports. However, vendors and other approved vendor tools are subject to lenders’ requirements and approval processes.
+
+ *Updated April 2024*
+
+ .basic-block img:not(.icon-quote){width: auto; max-width: none; min-height: 100px;} ![DVS TSP List image](/sites/g/files/koqyhd181/files/styles/thumbnail/public/2021-01/du_authorized_report_provider.png?h=1e66e246&itok=5O2UHKPq)
+
+ ### **Authorized verification report**supplier**s**[]()
+
+These companies have entered into an agreement with Fannie Mae to participate in the DU validation service. They generate the report and send the report data electronically to the DU validation service.
+
+ ### 
+
+ Income and Employment Verification Reports
+
+ [Argyle](https://argyle.com/industries/mortgage/)
+
+[Blend Income](https://blend.com/products/features/income-verification/)
+
+[Equifax](https://www.equifax.com/business/mortgage)
+
+[Experian](https://www.experian.com/mortgage/mortgage-employment-verification)
+
+[Finicity, a Mastercard Company](https://www.finicity.com/mortgage)
+
+[Truework](http://www.truework.com/)
+
+[Truv](https://truv.com/)
+
+ Asset Verification Reports
+
+ [AccountChek by Informative Research*](https://www.informativeresearch.com/accountchek/) [Blend Labs](https://www.blend.com/) [Finicity, a Mastercard Company*](https://www.finicity.com/mortgage/) [Plaid](https://plaid.com/industries/mortgage/) [FinLocker](https://www.finlocker.com/) [PointServ*](https://www.pointserv.com/) [Truv*](https://truv.com/) *Provides supplemental asset verification reports
+
+ Tax Transcript Reports
+
+ [4506-Transcripts.com](https://www.privateeyesbackgroundchecks.com/) [Equifax](https://www.equifax.com/business/mortgage) [PointServ](https://www.pointserv.com/) [Advanced Data](https://www.advanceddata.com/) [Halcyon](https://www.halcyonsw.com/) [SharperLending LLC](https://www.sharperlending.com/) [Avantus Corp.](https://xactus.com/) [MeridianLink, Inc.](https://www.meridianlink.com/) [Veri-Tax](https://veri-tax.com/partners/fannie-mae-day-1-certainty/) [CoreLogic](https://www.corelogic.com/) [NCS (National Credit-reporting System, Inc.)](https://www.ncstrv.com/) [DataVerify](https://www.dataverify.com/) [Partners Credit & Verification Solutions](https://www.partnerscredit.com/)
+
+ 
+
+ ### **Authorized verification report distributors**
+
+ These companies have not entered into an agreement with Fannie Mae but have an agreement with one or more of the eligible report suppliers listed above. The report provider (not the distributor) sends the report data electronically to the DU validation service.
+
+ ### 
+
+ Income and Employment Verification Reports
+
+ ACRAnet, Inc. Clear Choice Credit Corp. First American Mortgage Solutions Sarma Advanced Data Consolidated Information Services, Inc. Informative Research Service First Information Solutions Advantage Credit Bureau CoreLogic Information Searching Company SettlementOne Data, LLC Advantage Credit, Inc. Credit Data Solutions DBA Service 1st Information Services KCB Credit, LLC Strategic Information Resources Advantage Plus Credit Reporting, Inc. Credit Information Systems Lenders One Sharper Lending Alliance 2020 Credit Plus Lenderworks Truework American Reporting Company Credit Technologies, Inc. Merchants Credit Bureau, Inc. UnitedOne Avantus Corp. Credit Technology, Inc. (CTI) Meridian Link Universal Credit Services Birchwood Credit Services DataVerify MFI Credit Solutions Veri-Tax CBCInnovis EmpInfo NCS (National Credit-reporting System, Inc.) Xactus Certified Credit Reporting, Inc. Equifax One Source CIC Mortgage Credit, Inc. Experian Partners Credit & Verification Solutions CISCO Credit Factual Data Premium Credit Bureau
+
+ Asset Verification Reports
+
+ 4506-Transcripts.com Credit Plus Mortgage Service Providers Accudata Credit Systems Credit Technologies, Inc. Network Credit Services Accurate Financial Data Facts, Inc. New Vista Solutions ACRAnet, Inc. Equifax Online Information Services Advanced Data Experian Partners Credit & Verification Solutions Advantage Credit, Inc. Expert Global Solutions, Inc. PointServ Advantage Plus Credit Reporting, Inc. First American Mortgage Solutions Precision Data Research Alliance 2020 Gooi Mortgage, Inc. Sarma American Reporting Company Informative Research SettlementOne Data, LLC Avantus Corp. LenderPrice SharperLending LLC BankVOD Lenderworks Strategic Information Resources BeSmartee LendSmart Sunrise Credit Services Birchwood Credit Services Merchants Credit Bureau, Inc. UnitedOne Certified Credit Reporting, Inc. MeridianLink, Inc. Universal Credit Services CIC Mortgage Credit, Inc. MFI Credit Solutions Veri-Tax CIS CISCO Credit Midwest Mortgage Credit Services Wolters Kluwer CoreLogic Mortgage Document Solutions Credit Information Systems Mortgage Hippo
+
+ Tax Transcript Reports
+
+ Accudata Credit Systems Fraud Technology ACRAnet, Inc. Funding Suite Advantage Credit Bureau ICE Mortgage Technology Advantage Credit, Inc. Information Searching Company Advantage Plus Credit Reporting, Inc. Lenders One American Reporting Company Merchants Credit Bureau, Inc. (MCB) Birchwood Credit Services MFI Credit Solutions CBCInnovis Microbilt Certified Credit Reporting, Inc. Mortgage Service Providers CIC Mortgage Credit, Inc. NCO Credit Services CIS One Source Clear Choice Credit Corp. Precision Data Research Credit Data Systems, Inc. Pro Com Services Credit Information Systems Sarma Credit Plus SettlementOne Data, LLC Credit Technologies, Inc. Service First Information Services Data Facts, Inc. Strategic Information Resources EMSI Trans Union Experian UnitedOne Factual Data
+
+ ### 
+
+ Eligible Verification Reports
+
+ - [AccountChek](https://www.informativeresearch.com/accountchek/)[®](http://www.advanceddata.com/)[by Informative Research](https://www.informativeresearch.com/accountchek/)
+- [Advanced Data® Income Tax Verification 4506-C](http://www.advanceddata.com/) – 800-537-0458
+- [Argyle Verification of Income & Employment, Verification of Employment](https://argyle.com/industries/mortgage/)
+- [Avantus IRS-Direct Tax Transcripts](https://www.avantus.com/Day-1-Certainty-Fannie-Mae.shtml) – 800-243-0120
+- [Blend Generated Asset Statement](https://blend.com/) – 650-550-4810
+- [Blend Income and Employment Verification Report](https://blend.com/products/features/income-verification/) – 855-520-1012
+- [CoreLogic® 4506-T Direct](https://www.corelogic.com/) – 866-774-3282
+- [DataVerify® 4506-C IRS Tax Transcripts](https://day1certainty.dataverify.com/index.html) – 866-895-3282
+- [Equifax® 4506-C Tax Transcript](https://theworknumber.com/solutions/products/irs-tax-transcripts-fulfillment)
+- [Equifax Employment and Income Verification (including The Work Number®)](https://theworknumber.com/solutions/industries/mortgage-verification)
+- [Experian Verify™](https://www.experian.com/mortgage/mortgage-employment-verification) – 800-854-7201, option #3
+- [Finicity, a Mastercard Company, Mortgage Verification Service (Assets)](https://www.finicity.com/mortgage/) – 801-984-4200
+- [Finicity, a Mastercard Company, Mortgage Verification Service (Income and Employment)](https://www.finicity.com/mortgage) - 801-984-4200
+- [FinLocker® Asset Report](https://www.finlocker.com/) – 314-720-5200, option #2
+- [4506-Transcripts.com Tax Transcripts](https://www.privateeyesbackgroundchecks.com/) – 925-927-3333
+- [Halcyon](https://www.halcyonsw.com/) – 844-880-1040
+- [MeridianLink, Inc. 4506-C Tax Transcript Service](https://www.meridianlink.com/) – 888-593-8970
+- [NCS (National Credit-reporting System, Inc.) TRV® Transcript Service](https://www.ncstrv.com/) – 800-582-7066
+- [Partners Credit & Verification Solutions 4506-C Tax Transcripts (IncomeVerify)](http://www.partnerscredit.com/) – 888-895-5145
+- [Plaid Asset Report](https://plaid.com/industries/mortgage/)
+- [PointServ® 4506-C Tax Transcript](https://www.pointserv.com/) – 855-298-8400
+- [PointServ® VOA Report](https://www.pointserv.com/) – 855-298-8400
+- [SharperLending 4506-C Tax Transcript](https://sharperlending.co/) – 800-452-1174
+- [Truework Verification of Employment and Income](http://www.truework.com/) – 833-878-3967
+- [Truv Verification of Assets & Deposits](https://truv.com/)– 973-968-6728
+- [Truv Verification of Income and Employment](https://truv.com/)– 973-968-6728
+- [Veri-Tax™ 4506-C Tax Transcripts](https://veri-tax.com/partners/fannie-mae-day-1-certainty/) – 800-969-5100
+
+
+[**Click here**](/media/document/xlsx/du-validation-service-verification-report-vendors-excel) to view an easily sortable list of eligible verification reports and the authorized report suppliers and distributors who provide the reports.
+
+ Authorized Report Providers work with various integration technology providers to support the automated ordering and delivery of the verification reports. [Avantus](https://avantus.com/products_los.shtml), [CoreLogic](https://www.corelogic.com/), [Equifax](https://www.equifax.com/business/mortgage), [First American Mortgage Solutions](https://www.firstam.com/mortgagesolutions/markets/mortgage-origination.html), [FormFree](https://www.formfree.com/integrations-and-resellers/), [NCS (National Credit-reporting System, Inc.)](http://www.ncstrv.com/solutions/day-1-certainty/), [SharperLending](https://tvppro.com/day-1-certaintytm-info/), and [Veri-Tax](https://veri-tax.com/partners/fannie-mae-day-1-certainty/) post lists of integration technology providers with which they have relationships. Please contact the technology provider directly for more information on the specific integrations and services they provide.
+
+ *NOTE: Fannie Mae does not endorse any particular vendor, and does not represent or warrant that any report supplier will meet a lender's requirements. Lenders must establish controls to manage and monitor the vendors in accordance with their own regulatory requirements.*
+
+ Fannie Mae is committed to ensuring that vendors on our platform are providing high-quality data. As part of our ongoing vendor monitoring, we encourage lenders to report any data discrepancies they see in any third-party verification reports to the[](/cdn-cgi/l/email-protection#610550023e050015003e05081202130411000f02183e12040d073e1304110e13152107000f0f08040c00044f020e0c)[Day 1 Certainty Data Discrepancy Mailbox](https://singlefamily.fanniemae.com/form/day_1_certainty_data_discrepancy)[.](/cdn-cgi/l/email-protection#6a0e5b09350e0b1e0b350e031909180f1a0b04091335190f060c35180f1a05181e2a0c0b0404030f070b0f44090507)
+
+ campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } });
+
+ 
+
+ ![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg)
+
+ ### Have questions?
+
+ Get answers to your policy and guide questions, straight from the source.
+
+ [Get Started **](/applications-technology/ask-poli)
+
+ ###### Work with Fannie Mae
+
+ - [Customer Login](/saml/login)
+ - [Password Reset](https://passwordreset.fanniemae.com/)
+ - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer)
+
+ ###### Products & Solutions
+
+ - [Mortgage Products & Options](/originating-underwriting/mortgage-products)
+ - [Technology Apps & Solutions](/applications-technology/applications-technology)
+
+ ###### Support & Resources
+
+ - [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts)
+ - [Guide Forms](/selling-servicing-guide-forms)
+ - [Learning Center](/learning-center)
+ - [News & Events](/news-events)
+ - [Report mortgage fraud](/mortgage-fraud-prevention)
+
+ ###### Other Sites
+
+ - [Fannie Mae's Consumer Website](https://www.fanniemae.com/)
+ - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/homeownership/duty-serve)
+ - [HomePath](https://www.homepath.com/)
+
+ .login-block.menu-open .user-logout { position: inherit !important; float: left; margin-right: 5px; }
+
+ jQuery(document).ready(function () { jQuery('a[href^="#"]:not(.hv-tabbed-content a)').on('click', function (e) { e.preventDefault(); const targetSelector = jQuery(this).attr('href'); const targetEl = jQuery(targetSelector); if (targetEl.length) { jQuery('html, body').animate( { scrollTop: targetEl.offset().top - 50, }, 500, function () { targetEl.attr('tabindex', '-1').focus(); } ); } }); });
+
+ ## Social media
+
+ - [LinkedIn](https://www.linkedin.com/company/fannie-mae-corporation_19722)
+ - [Facebook](https://www.facebook.com/fanniemae)
+ - [Instagram](https://instagram.com/officialfanniemae)
+ - [X (formerly Twitter)](https://twitter.com/FannieMae)
+
+ ## Footer menu
+
+ - [Suppliers](https://www.fanniemae.com/portal/suppliers/index.html)
+ - [Careers](https://careers.fanniemae.com/main)
+ - [Contact Us](https://www.fanniemae.com/portal/about-fm/sf-mf-contacts.html)
+ - [Legal](https://www.fanniemae.com/about-us/legal-disclosure)
+ - [Privacy](https://www.fanniemae.com/about-us/corporate-governance/online-privacy-notice)
+ - [Cookie Preferences](javascript:void(0);)
+
+ © 2026 Fannie Mae 

Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__UCD_Collection_Solution___Fannie_Mae_y4gsja.md

@@ -0,0 +1,415 @@
+---
+source_url: "https://singlefamily.fanniemae.com/learning-center/delivering/uniform-closing-dataset-ucd-collection-solution/faqs-ucd-collection-solution"
+date_accessed: "2026-01-27T18:02:17.354Z"
+---
+
+[Skip to main content](#main-content)
+
+ > *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]*  ## FM Platform Nav
+
+ Toggle navigation  - - [Home](https://www.fanniemae.com/)
+ - [Single-Family Business](/)   Toggle  - [Originating & Underwriting](/originating-underwriting)
+ - [Pricing & Execution](/pricing-execution)
+ - [Delivering](/delivering)
+ - [Servicing](/servicing)
+ - [Learning Center](/learning-center)
+ - [Apps & Technology](/applications-technology/applications-technology)
+ - [News & Events](/news-events)
+ - [Become a Partner](/become-fannie-mae-seller-or-servicer)
+ - [Multifamily Business](https://multifamily.fanniemae.com/)
+ - [Capital Markets](https://capitalmarkets.fanniemae.com/)
+ - [Homebuyers, Owners, and Renters](https://yourhome.fanniemae.com/)
+ - - [Our Company]()
+ - [About Us](https://www.fanniemae.com/about-us)   Toggle  - [Who We Are](https://www.fanniemae.com/about-us/who-we-are)   Toggle  - [Awards and Recognition](https://www.fanniemae.com/about-us/who-we-are/awards-and-recognition)
+ - [Employee Code of Conduct](https://www.fanniemae.com/about-us/who-we-are/employee-code-conduct)
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+ - [History](https://www.fanniemae.com/about-us/who-we-are/history)
+ - [What We Do](https://www.fanniemae.com/about-us/what-we-do)   Toggle  - [Fannie Mae Today](https://www.fanniemae.com/about-us/what-we-do/fannie-mae-today)
+ - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve)   Toggle  - [Manufactured Housing](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/manufactured-housing)
+ - [Affordable Housing Preservation](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/affordable-housing-preservation)
+ - [Rural Housing](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/rural-housing)
+ - [Research Initiatives](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/research-initiatives)
+ - [Heirship](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/heirship)
+ - [Colonias Investment Areas](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/colonias-investment-areas-research)
+ - [Supporting Native American homeownership](https://www.fanniemae.com/about-us/what-we-do/duty-serve/native-american-homeownership)
+ - [Homeownership](https://www.fanniemae.com/about-us/what-we-do/homeownership)   Toggle  - [Access to Mortgage Credit](https://www.fanniemae.com/about-us/what-we-do/homeownership/access-mortgage-credit)
+ - [Restrictive Covenants](https://www.fanniemae.com/about-us/what-we-do/homeownership/restrictive-covenants)
+ - [Innovation](https://www.fanniemae.com/about-us/what-we-do/innovation)
+ - [Financial Performance](https://www.fanniemae.com/about-us/what-we-do/financial-performance)
+ - [Disaster Resiliency and Response](https://www.fanniemae.com/about-us/what-we-do/disaster-resiliency-and-relief)
+ - [Pilot Transparency](https://www.fanniemae.com/about-us/what-we-do/pilot-transparency)
+ - [Positive Rent Payment Reporting](https://www.fanniemae.com/about-us/what-we-do/positive-rent-payment-reporting)
+ - [Leadership Team](https://www.fanniemae.com/about-us/fannie-mae-leadership-team)
+ - [Corporate Governance](https://www.fanniemae.com/about-us/corporate-governance)   Toggle  - [Corporate Governance Guidelines](https://www.fanniemae.com/about-us/corporate-governance/corporate-governance-guidelines)
+ - [Fannie Mae Charter](https://www.fanniemae.com/about-us/corporate-governance/fannie-mae-charter)
+ - [Board of Directors](https://www.fanniemae.com/about-us/corporate-governance/board-directors)
+ - [Committees](https://www.fanniemae.com/about-us/corporate-governance/fannie-mae-board-committees)
+ - [Committee Charters](https://www.fanniemae.com/about-us/corporate-governance/board-committee-charters)
+ - [Code of Conduct](https://www.fanniemae.com/about-us/corporate-governance/fannie-mae-code-conduct-board-directors)
+ - [Bylaws](https://www.fanniemae.com/about-us/corporate-governance/bylaws)
+ - [Contacting the Board of Directors](https://www.fanniemae.com/about-us/corporate-governance/contacting-board-directors)
+ - [Housing Reports](https://www.fanniemae.com/about-us/corporate-governance/ahar-and-amr)
+ - [Investor Relations](https://www.fanniemae.com/about-us/investor-relations)   Toggle  - [Quarterly and Annual Results](https://www.fanniemae.com/about-us/investor-relations/quarterly-and-annual-results)
+ - [SEC Filings](https://www.fanniemae.com/about-us/investor-relations/sec-filings)   Toggle  - [All SEC Filings](https://fanniemae.gcs-web.com/financial-information/sec-filings)
+ - [Annual Filings](https://fanniemae.gcs-web.com/annual-filings)
+ - [Quarterly Filings](https://fanniemae.gcs-web.com/quarterly-filings)
+ - [Current Reports](https://fanniemae.gcs-web.com/current-reports)
+ - [Section 16 Filings](https://fanniemae.gcs-web.com/section-filings)
+ - [Proxy Filings](https://fanniemae.gcs-web.com/proxy-filings)
+ - [Fixed-Income Securities](https://capitalmarkets.fanniemae.com/)
+ - [Monthly Summary and Capital Disclosures](https://www.fanniemae.com/about-us/investor-relations/additional-disclosures)   Toggle  - [Monthly Summary](https://www.fanniemae.com/about-us/investor-relations/monthly-summary)
+ - [Capital Disclosures](https://www.fanniemae.com/about-us/investor-relations/capital-disclosures)
+ - [Stockholder Information](https://www.fanniemae.com/about-us/investor-relations/stock-information)
+ - [Current and Historical Stock Information](https://fanniemae.gcs-web.com/stock-information/stock-quote)
+ - [Contact Information](https://www.fanniemae.com/about-us/investor-relations/investor-contact-information)
+ - [Corporate Responsibility](https://www.fanniemae.com/about-us/corp-responsibility)
+ - [Data and Insights](https://www.fanniemae.com/data-and-insights)   Toggle  - [Forecast](https://www.fanniemae.com/data-and-insights/forecast)   Toggle  - [Monthly Archive](https://www.fanniemae.com/data-and-insights/forecast/forecast-monthly-archive)
+ - [Surveys & Indices](https://www.fanniemae.com/data-and-insights/surveys)   Toggle  - [National Housing Survey](https://www.fanniemae.com/data-and-insights/surveys-indices/national-housing-survey)   Toggle  - [About the National Housing Survey](https://www.fanniemae.com/data-and-insights/surveys-indices/national-housing-survey/about-national-housing-survey)
+ - [Archive](https://www.fanniemae.com/data-and-insights/surveys-indices/national-housing-survey/national-housing-survey-archive)
+ - [Mortgage Lender Sentiment Survey](https://www.fanniemae.com/data-and-insights/surveys/mortgage-lender-sentiment-survey)   Toggle  - [About the Mortgage Lender Sentiment Survey](https://www.fanniemae.com/data-and-insights/surveys-indices/mortgage-lender-sentiment-survey/about-mortgage-lender-sentiment-survey)
+ - [Archive](https://www.fanniemae.com/data-and-insights/surveys-indices/mortgage-lender-sentiment-survey/mortgage-lender-sentiment-survey-archive)
+ - [Fannie Mae Home Price Index](https://www.fanniemae.com/data-and-insights/surveys-indices/fannie-mae-home-price-index)
+ - [Home Price Expectations Survey](https://www.fanniemae.com/data-and-insights/surveys-indices/home-price-expectations-survey-hpes)
+ - [Refinance Application-Level Index](https://www.fanniemae.com/data-and-insights/surveys-indices/refinance-application-level-index)   Toggle  - [About the Refinance Application-Level Index](https://www.fanniemae.com/data-and-insights/surveys-indices/refinance-application-level-index/about-refinance-application-level-index)
+ - [Special Topics](https://www.fanniemae.com/data-and-insights/surveys-indices/special-topics/special-topics-archive)   Toggle  - [Consumer Mortgage Understanding Survey](https://www.fanniemae.com/mortgage-understanding-study)
+ - [Special Topics Archive](https://www.fanniemae.com/data-and-insights/surveys-indices/special-topics/special-topics-archive)
+ - [Publications](https://www.fanniemae.com/data-and-insights/publications)   Toggle  - [Fannie Mae Working Papers](https://www.fanniemae.com/data-and-insights/publications/fannie-mae-working-papers)
+ - [Housing Insights](https://www.fanniemae.com/data-and-insights/publications/housing-insights)
+ - [Partner Research](https://www.fanniemae.com/data-and-insights/publications/partner-research)
+ - [Publications Archive](https://www.fanniemae.com/data-and-insights/publications/publications-archive)
+ - [Perspectives](https://www.fanniemae.com/data-and-insights/perspectives)   Toggle  - [Archive - 2025](https://www.fanniemae.com/data-and-insights/perspectives/fannie-mae-perspectives-2025-archive)
+ - [Archive - 2024](https://www.fanniemae.com/data-and-insights/perspectives/fannie-mae-perspectives-2024-archive)
+ - [Archive - 2023](https://www.fanniemae.com/data-and-insights/perspectives/fannie-mae-perspectives-2023-archive)
+ - [Archive - 2022](https://www.fanniemae.com/data-and-insights/perspectives/fannie-mae-perspectives-2022-archive)
+ - [About ESR](https://www.fanniemae.com/data-and-insights/about-economic-and-strategic-research-esr-group)
+ - [Newsroom](https://www.fanniemae.com/newsroom)   Toggle  - [News](https://www.fanniemae.com/newsroom/fannie-mae-news)
+ - [Media Resources](https://www.fanniemae.com/newsroom/media-resources)
+ - [Careers](https://www.fanniemae.com/careers)   Toggle  - [Our Teams](https://www.fanniemae.com/careers/our-teams)   Toggle  - [Corporate Teams](https://www.fanniemae.com/careers/our-teams/corporate-teams)
+ - [Data & Analytics](https://www.fanniemae.com/careers/our-teams/data-analytics)
+ - [Digital & Technology](https://www.fanniemae.com/careers/our-teams/digital-technology)
+ - [Mortgage & Customer Solutions](https://www.fanniemae.com/careers/our-teams/mortgage-customer-solutions)
+ - [Risk Management](https://www.fanniemae.com/careers/our-teams/risk-management)
+ - [Life at Fannie Mae](https://www.fanniemae.com/careers/life-fannie-mae)
+ - [Benefits & Professional Development](https://www.fanniemae.com/careers/benefits)
+ - [Campus](https://www.fanniemae.com/careers/campus)
+ - [Contact Us](https://www.fanniemae.com/about-us/contact-us)
+ Menu  Single-Family Business
+
+ ## FM Site Nav
+
+ [Homepage  ![Fannie Mae logo](/themes/custom/particle/dist/app-drupal-sf/assets/fm_logo_rgb.png)](https://www.fanniemae.com/) - [Originating & Underwriting](/originating-underwriting)
+ - [Pricing & Execution](/pricing-execution)
+ - [Delivering](/delivering)
+ - [Servicing](/servicing)
+ - [Learning Center](/learning-center)
+ - [Apps & Technology](/applications-technology/applications-technology)
+ - [News & Events](/news-events)
+ - [Become a Partner](/become-fannie-mae-seller-or-servicer)
+ Toggle search  **  
+
+ [Login](/saml/login?destination=/)  // Function to initialize a search interface document.addEventListener('DOMContentLoaded', async function () { async function initializeSearchInterface(id, accessToken, organizationId) { const searchInterface = document.getElementById(id); if (searchInterface) { await customElements.whenDefined("atomic-search-interface"); // Initialization await searchInterface.initialize({accessToken: accessToken, organizationId: organizationId, organizationEndpoints: await searchInterface.getOrganizationEndpoints(organizationId)}); // Only need this for the guides. if (window.location.host.indexOf("guide") !== -1 || window.location.host.indexOf("credit") !== -1 || window.location.host.indexOf("fm") !== -1) { const searchBox = document.querySelector('atomic-search-interface#search-interface-search-bar atomic-search-box'); const engine = searchInterface.engine; var currentQuery = ""; function handleStateUpdate() { const state = engine.state; if (engine.state.query.q != "" && currentQuery != engine.state.query.q) { currentQuery = engine.state.query.q; var redirectUrl = searchBox.redirectionUrl + "&q=" + engine.state.query.q; searchBox.redirectionUrl = redirectUrl; } } const unsubscribe = engine.subscribe(handleStateUpdate); } } } // Initialize the first search initializeSearchInterface("search-interface-search-bar", 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc', 'fanniemae9glu2r77'); var accessToken = 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc'; var fieldName = "@clickableuri"; var fieldValue = function () {return location.href } setTimeout(function(){ coveoua("init", accessToken, "https://fanniemae9glu2r77.analytics.org.coveo.com/rest/ua"); coveoua("send", "view", { contentIdKey: fieldName, contentIdValue: fieldValue(), }); }, 3000); });  
+
+ // Get the toggle button and the search form block document.addEventListener('DOMContentLoaded', function () { var toggleButton = document.querySelector('.fm-toggle-search'); var searchFormBlock = document.querySelector('.fm-search__form-block--header'); // Add click event listener to the toggle button toggleButton.addEventListener('click', function () { searchFormBlock.classList.toggle('is-open'); }); });  atomic-search-interface#search-interface-search-bar { position: absolute; right: 1%; top: 0; padding: 8px; background: #F1F1EF; border-radius: 55px; width: 98%; z-index: 999; transform: translateY(-60px); } @media only screen and (min-width: 768px) { atomic-search-interface#search-interface-search-bar { width: 430px; right: 16px; min-width: 430px; transform: unset; } } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; 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} atomic-search-interface#search-interface-search-bar.guide atomic-search-box::part(clear-button) { margin-top: -8px; margin-right: 10px; }
+
+ 
+
+ []() 
+
+ - [Home](/)
+ - [Learning Center](/learning-center)
+ - [Uniform Closing Dataset (UCD) Collection Solution](/learning-center/delivering/uniform-closing-dataset-ucd-collection-solution)
+ - FAQs: UCD Collection Solution
+
+ Delivering
+
+ # FAQs: UCD Collection Solution
+
+ The following provides answers to frequently asked questions about Fannie Mae’s Uniform Closing Dataset (UCD) Collection Solution.
+
+ FAQs updated November 20, 2023
+
+ ##### Uniform Closing Dataset
+
+ [Learn More](/delivering/uniform-mortgage-data-program/uniform-closing-dataset)
+
+ ##### Technology Integration
+
+ [Learn More](/technology-integration/technology-integration-resources)
+
+ ### 
+
+ File Format / File Submission
+
+ **Q1. Will the file format be the same for both Fannie Mae and Freddie Mac?**
+
+ Yes, the GSEs will require identical file formats for the UCD. Please refer to the Sample Use Cases and corresponding XML files (i.e., *Appendices F/G*) available on both the Fannie Mae and Freddie Mac respective UCD pages. The Fannie Mae UCD page is accessible at: [https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-closing-dataset](/delivering/uniform-mortgage-data-program/uniform-closing-dataset).
+
+ **Q2. Does Fannie Mae require a UCD submission for Government loans?**
+
+ No, a UCD submission is only required for all conventional loans prior to loan delivery.
+
+ **Q3. Will Fannie Mae accept multiple UCD files in one submission (i.e., a batch file)?**
+
+ Yes, the Fannie Mae collection solution (manual upload) will accept both a single file submission with an .XML file extension, as well as a batch file submission containing multiple XML files with a .ZIP file extension. Fannie Mae’s business-to-business direct integration platform will accept a single file submission.
+
+ **Q4. Are there any file size limitations? And if so, does this vary by the submission method (manual upload or direct integration)?**
+
+ UCD files submitted to Fannie Mae will be subject to limitations for manual upload and direct integration. The maximum file sizes are as follows:
+
+ - User interface (single file) = 30 MB
+ - User interface (zip file) = 200 MB or a maximum of 50 loans files in a single batch file
+ - Direct integration (synchronous) = 30 MB
+ **Q5. Are there any requirements around which loans can be batched together (i.e., loans that have or have not been previously submitted)?**
+
+ There are no limitations on which files can be batched together. However, Fannie Mae will require the Desktop Underwriter® (DU®) Casefile ID to be included in the UCD XML file for any loan that was underwritten by DU and is being delivered as a DU loan. Any loan that does not have a Casefile ID issued through DU will receive a Casefile ID from Fannie Mae upon submission of the UCD file. In the case of UCD file resubmissions, the file must include the DU-generated Casefile ID upon resubmission.
+
+ **Q6. When a loan is part of a batch file submission and needs to be resubmitted, does the loan need to remain part of the original batch file?**
+
+ No. Any UCD file may be resubmitted either as a single file or as part of another batch file submission. However, the DU-generated must be included in the resubmitted UCD XML file.
+
+ **Q7. If a file is resubmitted will it overwrite the previous file that was submitted?**
+
+ Yes. The previously submitted UCD file will be overwritten by the latest UCD XML file submission, provided both submissions are associated with the same Fannie Mae issued Casefile ID.
+
+ **Q8. From a systems development perspective, are there any key features or requirements that lenders and/or technology solution providers need to plan for?**
+
+ One critical requirement is that all UCD files delivered to Fannie Mae must have either a DU-generated Casefile ID or a UCD-generated Casefile ID. Any loan that does not have a DU Casefile ID or is not being delivered as a DU loan will receive a UCD Casefile ID upon submission of the UCD file.  
+   
+ **Q9. What resources and documentation does Fannie Mae provide to customers?**
+
+ Visit the [UCD page](/delivering/uniform-mortgage-data-program/uniform-closing-dataset) or [UCD Collection Solution page](/learning-center/delivering/uniform-closing-dataset-ucd-collection-solution) on [FannieMae.com](https://www.fanniemae.com/portal/index.html) for resources like the User Guide, a list of edit feedback messages, quick guides for using the UCD collection solution (for sellers and non-sellers), and much more. Self-paced eLearning tutorials are available to help you understand UCD and navigate the UCD collection solution.
+
+ **Q10. Can we upload a UCD file even if we are not going to sell the loan to Fannie Mae?**
+
+ Yes, you can upload UCD files even if you are not selling the loans to Fannie Mae.  
+   
+ **Q11. Can we upload a Government Loan run through Desktop Underwriter (DU) into the UCD Collection Solution?**
+
+ Yes. But you must remove the DU Casefile ID from the UCD XML file before submission. Should you try to deliver the loan to Fannie Mae, you will need to include the DU Casefile ID in the delivery file.
+
+ **Q12. Is there a test environment available for UCD files?**
+
+ Yes, The [UCD Collection Solution Test Environmen](https://ucd-clve.fanniemae.com/UCDepot/)t (UCD CLVE) is available to support the rollout of the UCD Collection Solution enhancements. UCD CLVE mirrors the UCD production application. The UCD CLVE allows lenders and technology solution providers to test UCD XML files for import, as well as test for manual entry. Please refer to the [UCD Collection Solution Test Environment Overview](/media/document/pdf/ucd-collection-solution-test-environment-overview) for details.
+
+ Load of the UCD XML File
+
+ **Q13. How will a user access the UCD user interface to perform a manual file upload?**
+
+ Customers will have two options for delivering the UCD file through a web-based user interface:
+
+ - Selecting the Launch button on the [UCD Collection Solution page](/learning-center/delivering/uniform-closing-dataset-ucd-collection-solution) on FannieMae.com; or
+ - Selecting the UCD link embedded in the Loan Delivery application.
+ **Q14. How will user access be managed for the UCD collection solution?**
+
+ Fannie Mae sellers with existing Loan Delivery credentials were automatically granted access to the UCD collection solution. If there are additional individuals who require access to the UCD collection solution who do not already have access to Loan Delivery, they may be granted access through [Technology Manager](/applications-technology/technology-manager). Fannie Mae non-sellers who require access to the UCD collection solution should refer to the [Quick Guide: Access to UCD for Non-Sellers](/media/document/pdf/quick-guide-access-ucd-non-sellers) for details on the registration process.
+
+ Business-to-Business Direct Integration (DI)
+
+ **Q15. How will the direct integration response be structured?**
+
+ The lender feedback response will be provided in a structured XML file for each UCD file submitted. The structured XML response will also include an embedded HTML document of the UCD Findings Report. Please contact Fannie Mae’s Integration Team for more details on this process.
+
+ UCD Findings Report
+
+ **Q16. What is meant by ‘Warning-to-Fatal’ in the severity column of the UCD Findings Report?**
+
+ As of August 6, 2020, Fannie Mae introduced a new severity category of ‘Warning-to-Fatal’. If you receive an edit with this new category, it means that the edit is a part of the UCD Critical Edit Phase 2 list of requirements. This does not indicate a different severity from ‘Warning’ but, provides an indication of the next Fatal Transition Phase.   
+   
+ **NOTE**: *As we move forward with other phases, this severity category will be an indication of one of the next phases.*
+
+ **Q17. Will there be common UCD response file data and messaging between the GSEs?**
+
+ No. Because Fannie Mae and Freddie Mac each have their own proprietary collection platform, the response files are different. In addition, each GSE has established their own proprietary business rules to generate edit feedback messages on the submitted UCD files. Fannie Mae will provide an Upload Summary Report for all individual and batch UCD file submissions and will also provide a Findings Report for each UCD file that was successfully uploaded. Refer to the [UCD Feedback Messages](/media/document/xlsx/ucd-feedback-messages) for details.
+
+ **Q18. When will the UCD Upload Summary and UCD Findings Reports be made available?**
+
+ Fannie Mae will provide an Upload Summary Report for all individual and batch files and will also provide a Findings Report for each uploaded UCD file. These reports will be available via the UCD collection solution shortly after clicking ‘Submit’ (i.e., the reports will display on the UCD File Upload page). Both reports can be printed and/or saved in a PDF format.
+
+ **Q19. Will the UCD Upload Summary and UCD Findings Reports be the same for a single UCD file submission versus a batch submission?**
+
+ Yes. The UCD Upload Summary Report and UCD Finding Report(s) will be the same regardless of whether it is a single UCD file submission or a batch upload. Users can either upload a single XML file or create a ZIP file containing multiple UCD files and upload as a batch UCD file submission.
+
+ **Q20. Will the user be able to download the UCD Findings Report?**
+
+ Yes, you can download the UCD Findings Report in a PDF format.
+
+ **Q21. If there is an issue generating the UCD Findings Report for one or more UCD files that are part of a batch submission, will the entire batch file be rejected? If yes, will there be messaging to inform me that the UCD file was not imported?**
+
+ The Upload Summary Report will indicate successful and unsuccessful submissions. Individual successful file uploads within the batch upload will receive a UCD Findings Report.
+
+ **Q22. Why is the DU casefile ID assigned in DO an invalid Casefile ID in UCD?**
+
+ If the loan was originated in Desktop Originator® (DO®) it must be transferred to DU prior to submitting the UCD. DO provides a preliminary approval and therefore, the loan should have a final approval in DU for the casefile ID to be valid for a successful UCD submission.
+
+ **Q23. Each time our users submit the same non-DU loan, a new Casefile ID is generated by the UCD Collection Solution. Are users doing something incorrectly?**
+
+ No, the users are not doing anything incorrectly. The UCD Collection Solution is designed to generate a new Casefile ID each time the DU Casefile ID is missing and the submission is not tied to a previous UCD submission. The user can tie back to a previous UCD submission by adding this section to the XML file. Adding this section to the XML file will ensure that UCD Collection Solution does not create a new Casefile ID.
+
+ ![UCD Collection FAQs automated underwriting](/sites/g/files/koqyhd181/files/2021-11/automated%20underwriting.png)
+
+ 
+
+ Please contact your UCD vendor if you are unsure on how to get this section into the XML file.
+
+ **Q24. If DU is rerun for any reason and a new DU Casefile ID has been issued during the life of the loan, which casefile ID should be used for the UCD submission?**
+
+ When DU is rerun for any reason, the UCD submission should include the DU casefile ID that the Lender intends on including in the loan delivery to Fannie Mae.
+
+ Edit Messaging
+
+ **Q25. What types of eligibility feedback messages will be provided upon submission?**
+
+ Refer to the [UCD feedback messages](/media/document/xlsx/ucd-feedback-messages) for details.
+
+ **Q26. Is Fannie Mae collaborating with Freddie Mac on edit feedback messaging?**  
+   
+ Each GSE has developed their own UCD Collection Solution with unique edit feedback messaging with a severity of Warning. However, the GSEs collaborate on messaging with a severity of Fatal of which pertain to specific UCD datapoints.
+
+ **Q27. Will there be Loan Delivery edits triggered based on the UCD feedback messages?**
+
+ Loan Delivery edits will not be triggered based on UCD feedback messages. The UCD collection solution and Loan Delivery application are separate systems and do not communicate.
+
+ **Q28. What type of validation will be done for the Closing Disclosure PDF?**  
+   
+ A copy of the Closing Disclosure must be provided as an embedded PDF within the UCD XML file when the loan is delivered. An error message will alert you if the PDF is missing in the UCD file. Initially, there will be no edits that compare the data in the Closing Disclosure PDF with the data in the UCD XML file; however, Fannie Mae will analyze the data post-acquisition and will notify lenders of any issues.
+
+ **Q29. Should I include any Addendums associated to the Closing Disclosure when embedding the PDF?**
+
+ Yes, the Closing Disclosure and any associated Addendums should be embedded in the UCD XML file. Other documents (i.e. entire Closing Package) **should not** be a part of the PDF. Including these types of documents may cause the file to exceed the maximum file size limit and receive an unsuccessful status. Please refer to FAQ 4: Are there any file size limitations?
+
+ **Q30. Can I upload a Borrower Closing Disclosure outside of the UCD XML file?**
+
+ Fannie Mae’s UCD collection solution allows for the upload of a PDF to an existing XML submission. If a UCD XML file has been submitted, and the file does not include an embedded PDF, you can attach the PDF via the UCD Findings Report by right clicking on the PDF icon with a slash in it. The collection solution will consider this a re-submission and rerun the submission including any edits that are applicable. After submission, you can the view the attached pdf.
+
+ **Q31. Can a UCD report of submissions be provided?**
+
+ Yes. A UCD Submission Summary report is available in [Loan Quality Connect™](/applications-technology/fannie-mae-connect) (in the Loan Delivery Reports category) which features the following information:
+
+ - All UCD submissions and transfers for an organization
+ - All edits generated for each UCD submission
+ **Q32. What is the CurrentRateSetDate and where is it found?**
+
+ In UCD the CurrentRateSetDate is the last date that the note rate on a loan was established. This includes the first time the rate is set as well as any time the rate was changed prior to closing.
+
+ **NOTE**: *That this does NOT include any action to extend a lock period, since the rate does not change for just an extension. The CurrentRateSetDate is used to evaluate the Note Rate, and therefore, it must correspond to the date on which the rate was set.*
+
+ Correspondent
+
+ **Q33. What functionality is available to correspondents who are Fannie Mae Non-Sellers?**
+
+Correspondents with access to Loan Delivery may click on the embedded UCD link in the Loan Delivery application, or access the UCD collection solution via the [UCD Collection Solution page](/learning-center/delivering/uniform-closing-dataset-ucd-collection-solution). Alternately, correspondents may leverage a direct integration option via their own integration or provided by a technology solution provider.
+
+**Q34. How will correspondents be able to “share” or “transfer” the UCD Findings with their aggregator?**
+
+Fannie Mae correspondents can download the UCD Findings Reports via the web-based user interface option within the UCD application or save the XML response from their direct integration system.
+
+The UCD collection solution will enable correspondent lenders to transfer UCD data to an aggregator once a relationship has been established between the two organizations. A Transfer icon is available from the Findings Report, allowing the ability to transfer UCD data. The receiving organization will then be able to search for and view the UCD Findings Report, PDF of the Closing Disclosure (if embedded), and the UCD XML file. Please refer to the [Transfer Capability Quick Guide](/media/document/pdf/quick-guide-transfer-capability) for detailed information.
+
+**NOTE**: This is optional functionality and is not required to comply with the UCD requirements.
+
+**Q35. Can I “Transfer” the UCD Data to more than 1 aggregator?**
+
+Lenders will have the option to transfer a UCD file to a subsequent lender. For example:
+
+- Lender A transfers the UCD File to Lender B
+- Lender B transfers the same UCD file to Lender C
+All three lenders will then have access to the UCD Findings Report, UCD XML file, and the embedded Borrower Closing Disclosures. Please refer to the [UCD Transfer Quick Guide](/media/document/pdf/quick-guide-access-ucd-non-sellers) for more information.
+
+**Q36. What if my company wants to take advantage of the Transfer capability from correspondent to aggregator? Will it automatically be available?**
+
+Lenders will have the ability to transfer UCD data if they have the UCD_ADMIN and UCD_SUBMIT roles in Technology Manager. This functionality is available through the UCD collection solution user interface or via direct integration. To establish relationships, a designee must be identified with the UCD_ADMIN role in Technology Manager. Note: Establishing a relationship is a *one-time only* activity between the organizations to transfer UCD data. Refer to the [Relationship Establishment for Transfer Capability from Correspondent to Aggregator Quick Guide](/media/document/pdf/quick-guide-relationship-establishment-transfer-capability-correspondent-aggregator)for additional guidance.  
+   
+**Q37. What functionality will be available to correspondents who are not Fannie Mae sellers? Are there technology solution providers who can assist our correspondent lenders in submitting the UCD file directly to Fannie Mae?**
+
+Fannie Mae provides correspondents the capability to upload UCD files directly to Fannie Mae. Correspondents can register for access to the manual UCD upload option (refer to the [Quick Guide](/media/document/pdf/quick-guide-access-ucd-non-sellers) for more details). We also work closely with technology solution providers to share roll-out plans and direct integration specifications. Each provider will need to determine if they will provide direct integration with Fannie Mae, and a corresponding implementation timeline.
+
+**Q38. How will Fannie Mae non-sellers access the UCD collection solution?**
+
+Access to UCD for non-sellers is dependent on their existing credentials, based on the following categories:
+
+- Fannie Mae non-sellers – UCDP/CU: Fannie Mae Non-Sellers with existing UCDP ***and*** Collateral Underwriter® (CU™) credentials
+- Fannie Mae non-sellers UCDP only: Fannie Mae non-sellers with existing Uniform Collateral Data Portal® (UCDP®) ***Only*** credentials
+- Fannie Mae NEW non-sellers: new to Fannie Mae and have no existing credentials
+- Existing Fannie Mae DU only lenders: Fannie Mae DU-only lenders with existing DU credentials
+Determine which category your company falls under, then read the [Quick Guide: Access to UCD for Non-Sellers](/media/document/pdf/quick-guide-access-ucd-non-sellers) for registration details.
+
+**Q39. Is the industry expectation that correspondent lenders will submit their own UCD file to Fannie Mae and provide the UCD Findings Report as proof of submission to their aggregator?**
+
+Aggregators can determine if they want to submit the UCD file to Fannie Mae for *their* correspondent lenders or request their correspondents to submit to Fannie Mae on their behalf. If the correspondent uploads the UCD file, we expect that the aggregator will want to receive the UCD Findings Report to ensure a successful upload and the correct Casefile ID for that loan.
+
+Aggregators can instruct their correspondent lenders to upload the UCD file and then transfer the UCD file to the aggregator. Once the file is transferred, the aggregators will then be able to use the UCD collection solution to retrieve the transferred UCD data including the UCD Findings Report, PDF of the Closing Disclosure (if embedded), and the UCD XML file.
+
+**Q40. What functionality is available to assist correspondents – such as community banks and credit unions – whose banking systems are not able to produce a UCD dataset?**
+
+Sellers can work with their correspondents to determine the best way to create and deliver the UCD file.
+
+The UCD collection solution allows data entry of the UCD data from the Borrower Closing Disclosure. Once the data entry is complete, lenders can upload the Closing Disclosure PDF and submit the UCD file. Upon submission, a UCD Findings Report will be generated.
+
+Some technology solution providers may be able to provide direct integration capability with Fannie Mae that may assist with creating and delivering the UCD file.
+
+**Q41. If the UCD file has data changes (i.e. amendments to the Closing Disclosure) after an aggregator purchases a loan from a correspondent, can the aggregator resubmit the UCD? If so, are there special data requirements that must be met (such as identifying it as a previous submission from the correspondent)?**
+
+Aggregators may resubmit a UCD file to Fannie Mae if the Casefile ID was transferred to them by the correspondent. The DU-generated Casefile ID or the UCD-generated Casefile ID *must be included* when they resubmit the file. There are no additional data requirements, such as identifying that the UCD file was previously submitted by a correspondent.   
+   
+**Q42. Where can I find the Average Prime Offer Rate (APOR)?**
+
+Refer to [https://ffiec.cfpb.gov/tools/rate-spread](https://ffiec.cfpb.gov/tools/rate-spread) for information on how to calculate the APOR.
+
+ campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } });
+
+ 
+
+ ![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg)
+
+ ### Have questions?
+
+ Get answers to your policy and guide questions, straight from the source.
+
+ [Get Started **](/applications-technology/ask-poli)
+
+ ###### Work with Fannie Mae
+
+ - [Customer Login](/saml/login)
+ - [Password Reset](https://passwordreset.fanniemae.com/)
+ - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer)
+
+ ###### Products & Solutions
+
+ - [Mortgage Products & Options](/originating-underwriting/mortgage-products)
+ - [Technology Apps & Solutions](/applications-technology/applications-technology)
+
+ ###### Support & Resources
+
+ - [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts)
+ - [Guide Forms](/selling-servicing-guide-forms)
+ - [Learning Center](/learning-center)
+ - [News & Events](/news-events)
+ - [Report mortgage fraud](/mortgage-fraud-prevention)
+
+ ###### Other Sites
+
+ - [Fannie Mae's Consumer Website](https://www.fanniemae.com/)
+ - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/homeownership/duty-serve)
+ - [HomePath](https://www.homepath.com/)
+
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+
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Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__Uniform_Closing_Dataset___Fannie_Mae_dr8d4l.md

@@ -0,0 +1,452 @@
+---
+source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-closing-dataset/faqs-uniform-closing-dataset"
+date_accessed: "2026-01-27T18:02:17.451Z"
+---
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+
+ 
+
+ []() 
+
+ - [Home](/)
+ - [Delivering](/delivering)
+ - [Uniform Mortgage Data Program](/delivering/uniform-mortgage-data-program)
+ - [Uniform Closing Dataset](/delivering/uniform-mortgage-data-program/uniform-closing-dataset)
+ - FAQs: Uniform Closing Dataset
+
+ Delivering
+
+ # FAQs: Uniform Closing Dataset
+
+ **September 29, 2025 Updates**
+
+The GSEs have compiled some of the most common Uniform Closing Dataset (UCD) questions below. Questions are grouped by topic: General, Loan Delivery, Embedded Closing Disclosure PDF in the UCD XML File, UCD Critical Edits, Fees, UCD File Content, Qualified Mortgages, and XML File Technical Considerations.
+
+ The following provides answers to questions frequently asked about Fannie Mae’s and Freddie Mac’s (GSEs’) jointly developed Uniform Closing Dataset (UCD). The GSEs developed the UCD at the direction of the Federal Housing Finance Agency (FHFA) as part of the Uniform Mortgage Data Program® (UMDP®), an ongoing initiative to enhance loan quality and consistency through uniform loan data standards for the single-family loans the GSEs purchase.
+
+FAQs updated September 29, 2025
+
+ ##### Uniform Closing Dataset
+
+ [Learn More](/delivering/uniform-mortgage-data-program/uniform-closing-dataset)
+
+ ##### Technology Integration
+
+ [Learn More](/technology-integration/technology-integration-resources)
+
+ ### 
+
+ General
+
+ **1. What is the Uniform Closing Dataset (UCD)?**
+
+The UCD is a common industry dataset allowing information on the Closing Disclosure (CD) to be communicated electronically in a standardized format. The UCD was developed and is maintained by Fannie Mae and Freddie Mac (GSEs) and is published on each GSE’s UCD webpage as *UCD v1.5 and UCD v2.0 Specifications.*
+
+The GSEs are collecting UCD data because it:
+
+- Helps enhance credit risk management with more data and better-quality data.
+- Provides important information to help increase our ability to detect fraud and misrepresentation at loan delivery.
+- Lends additional transparency into the mortgage loan transaction file to help assess whether the loan, as closed, meets the GSE’s eligibility requirements.
+**2. Is the UCD Specification the same for both GSEs?**
+
+Yes. Although the GSEs have implemented separate UCD collection solutions, both GSEs adhere to the guiding principles established under UMDP and are using the identical UCD Specification containing the same data points, enumerations, and conditionalities.
+
+**3. What data do the GSEs collect using the UCD?**
+
+The data collected by the UCD includes, in MISMO v3.3.0299 schema order:
+
+- Data points supporting the CD form field data required by both GSEs. (Note that while UCD v1.5 specification (UCD v1.5) contains all data points supporting the entire CD, UCD v2.0 specification (UCD v2.0) contains only data actively used and required by the GSEs.)
+- Additional closing transaction supporting data points required to meet GSE business needs, for example: Qualified Mortgage (QM) data.
+- Data points needed to properly create the UCD XML file.
+- Data points enabling a PDF version of the CD to be embedded in the UCD XML file.
+**4. How do the GSEs collect the UCD?**
+
+The GSEs have separate collection solution applications for UCD XML file submissions by Sellers. Support and training resources related to each unique collection solution are available on each GSE’s respective UCD webpages on FannieMae.com and FreddieMac.com. Resources to assist with the transition to UCD v2.0 are also available.
+
+**5. What resources are available to help me implement the UCD or update the UCD based on new requirements?**
+
+The GSEs have published several jointly developed and maintained implementation materials and artifacts on their respective FannieMae.com and FreddieMac.com websites to assist you with your UCD implementation. It is good practice to visit these websites frequently to ensure you are using the most up-to-date specifications and resources.
+
+ Loan Delivery
+
+ **6. How does the UCD relate to loan delivery requirements?**
+
+The UCD in the XML file format with the Closing Disclosure PDF (CD PDF) embedded must be successfully submitted prior to loan delivery. Every loan purchased by the GSEs requires a UCD submission.
+
+Loans submitted to a GSE’s Selling/Loan Delivery solutions without a corresponding UCD XML file will receive a critical/fatal edit and will not be eligible for purchase until the properly formed UCD XML file including the embedded CD PDF has been received.
+
+**7. Which version of the UCD Specification should I be using for production deliveries?**
+
+The GSEs published the UCD v2.0 in September 2024 to provide a glide path for industry to adopt the new format and requirements within their systems and processes. The UCD v2.0 transition period began on September 29, 2025. Each GSE’s UCD collection solution will accept UCD XML files based on EITHER UCD v2.0 OR v1.5 during the transition. The GSEs will continue to accept UCD XML files based on UCD v1.5 until the mandate date. After the mandate, all UCD XML files (even files previously submitted based on UCD v1.5) must use UCD v2.0.
+
+IMPORTANT: Submitted UCD XML files based on v1.5 may NOT include any new UCD v2.0 data points or enumerations (including the ucd:FEE_DETAIL_EXTENSION structure), or the file will receive a Specification Version critical/fatal edit.
+
+**8. Can my UCD XML files include any “extra” data that is not included in the UCD Specifications?**
+
+Yes. However, the GSEs strongly advise against delivering non-specified data in the UCD XML files. If additional data is included in the UCD XML file, but the file is properly formed according to MISMO v3.3.0, the file will not fail. The GSEs will ignore any data in the UCD XML file not expected per the UCD v2.0.
+
+**9. What is the relationship between data on the UCD and the information on the CD?**
+
+Data provided in the UCD XML file must reflect disclosures on the CD PDF as closely as possible. The GSEs understand there may not be a 100 percent match because the CD is often rendered with the values provided in the @DisplayLabelText attribute, while the UCD XML file must include the valid associated enumeration. (See FAQ in XML File Technical Considerations section.)
+
+**10. Do the GSEs provide testing environments for their UCD collection solutions?**
+
+Yes, each GSE has established a customer test environment (CTE) that can be accessed by Sellers and software providers/Technology Service Providers (TSPs). Additional details can be found on each GSE’s UCD webpage on FannieMae.com and FreddieMac.com.
+
+ Embedding the Closing Disclosure PDF in the UCD XML File
+
+ **11. What are the requirements for embedding the CD PDF in the UCD XML file?**
+
+- **Timing/Version:** The CD PDF in the UCD XML file should represent the most accurate, agreed-upon terms of the loan at time of submission of the UCD and Uniform Loan Delivery Dataset (ULDD) XML files to the GSEs. If, after closing, but before acquisition of the loan by the GSEs, information was updated, the most recent UCD data and embedded CD must be provided in the UCD XML file.
+- **CD Copy:**The PDF does not need to be a first-generation file; however, the CD must be clear and legible.
+- **Simultaneous Seconds:** For transactions with loans having a simultaneous second (such as an 80/10/10 transaction), the lender should embed only the copy of CD for the loan being purchased (the subject loan).
+- **Construction-to-Permanent Loans:** The GSEs purchase only the permanent financing portion of a construction-to-permanent loans. Refer to Fannie Mae’s Selling Guide and Freddie Mac’s Single-Family Seller Guide.
+- **CD Revised Prior to Delivery:** If the loan has closed, but has not been delivered to a GSE, and a revised CD was provided to the borrower, the most recent version of the CD must be included in the updated UCD XML file submission.
+- **Split Disclosures:**When separate CDs are provided to the borrower and a Seller, the Seller’s CD is not required in the UCD XML file.
+- **Addenda:** Addendum PDFs that are not associated with the CD do not need to be included in the UCD XML file. However, when an addendum is used to provide additional required information to the CD, all data on the addendum must be included in the UCD XML file, with an IntegratedDisclosureSectionType value reflecting the section being extended by the addendum.
+- **Signatures:**The CD PDF included in the UCD XML file does not need to be signed; however, the Seller may wish to follow industry best practices and obtain interested party signatures.
+**12. What is the Alternate Form for Transactions Not Involving a Seller?**
+
+The Alternate Form (Regulation Z Model Form H-25(J)) provides a safe harbor model Closing Disclosure that can be provided for transactions that do not involve Sellers, including refinance transactions. The form is abbreviated to omit data that only applies to purchase transactions. If the Alternate Form is provided to the borrower, the corresponding CD PDF must be embedded in the UCD XML file.
+
+**13. May the Model Form be used for Refinance Transactions?**
+
+Yes. Although the GSEs prefer that the lender take advantage of the shorter Alternate Form for refinance transactions, the CD Model Form (Regulation Z Model Form H-25(A)) may be used for refinance transactions.
+
+ UCD Critical Edits
+
+ **14. What is the UCD Critical Edits transition?**
+
+The GSEs are converting certain data edits in their CD collection solutions from “warning” to “critical/fatal”. The multi-year rollout approach, now in its fourth phase, enforces the UCD Spec conditionality details for selected data points. The enforcement of critical/fatal edits is designed to enhance data quality and consistency for the single-family loans purchased by the GSEs.
+
+**15. How do we prepare for the latest UCD Critical Edits?**
+
+The GSEs recommend preparing for the Phase 3B Postponed and Phase 4 UCD Critical Edits by referring to the following resources available on the GSEs’ UCD web pages, FannieMae.com and FreddieMac.com:
+
+- UCD v1.5 Critical Edits Matrix − Contains the edits and associated datapoints for all phases; however, certain edits will require transition to UCD v2.0.
+- UCD v2.0 Critical Edits Matrix – Contains any necessary updates to previously implemented Phase 1-3 critical edits, as well as Phase 3B Postponed and Phase 4 edits.
+- Joint GSE UCD Job Aids
+- Customer test environments − Each GSE has provided opportunities for Sellers and software partners/TSPs to test their UCD XML files and resolve potential critical issues prior to the phased releases. •
+- UCD Test Suite of Sample CDs with narrated use cases, and accompanying UCD XML files (formerly Appendices F and G)
+- UCD v2.0 Initiative Readiness Checklists
+**16. When will the implementation timing for Phase 3B Postponed and Phase 4 critical edits be announced?**
+
+Important UCD activities, milestones and timelines are published on FannieMae.com and FreddieMac.com. Stay abreast of the latest information by monitoring for announcements from the GSEs on their respective websites or by subscribing to email updates.
+
+**17. What value is expected in the GSE-Specific Data Point LoanPriceQuoteInterestRatePercent?**
+
+The MISMO v3.3.0 Logical Data Dictionary definition for this data point (which is incorporated into the UCD v1.5 and UCD v2.0) is: “The mortgage loan interest rate for which the price quote is calculated.” To ensure the correct rate is delivered in this data point, the GSEs included an Implementation Note in the UCD v2.0 explaining that the expected value is the interest rate offered to the borrower prior to their electing to purchase discount points. This data point is required whenever the FeeActualPaymentAmount value for FeeType (v1.5) / ucd:FeeItemType (v2.0) = “LoanDiscountPoints” is greater than zero. Additionally, LoanPriceQuoteInterestRatePercent must be greater than the NoteRatePercent when RegulationZExcludedBonaFideDiscountPointsIndicator is “true”.
+
+**18. Are the Phase 3B Postponed and Phase 4 edits supported by the UCD v2.0 requirements?**
+
+Yes. If you fully comply with the cardinality and conditionality specified in UCD v2.0, you will meet all critical edit requirements. Datapoints under critical edits are identified on Tab 7-UCD v2.0 XML Requirements in column N “Critical Edit Phase or Phase-ID”.
+
+**19. Do I need to implement UCD v2.0 to comply with Phase 4A critical edits?**
+
+No. During the transition period (prior to mandate), UCD XML files can be submitted in either the UCD v1.5 format or UCD v2.0 format. The logic and requirements to meet UCD Critical Phase 4A Edits are the same in both UCD v1.5 and UCD v2.0.
+
+**20. How do we handle loans in our closing system pipeline during the transition to the mandate dates?**
+
+There is no need to manage pipeline loans in the GSE’s UCD collection solutions. Submissions must cut over to UCD v2.0 and the associated edits will be in effect as of the mandate date. UCD XML files submitted before the mandate may be in either the UCD v1.5 or UCD v2.0 format, and after the mandate must be v2.0 (even if resubmitting a loan previously submitted in v1.5 format).
+
+**21. What do I provide in the UCD XML file when a fee cannot reasonably be mapped to a UCD v1.5 FeeType or UCD v2.0 ucd:FeeItemType supported enumeration?**
+
+You must provide FeeType / ucd:FeeItemType = “Other” and FeeTypeOtherDescription / ucd:FeeItemTypeOtherDescription only when an enumeration that reasonably reflects the fee is not supported by the UCD Spec version. Seventy-three enumerations were added in UCD v2.0 for ucd:FeeItemType. See Tab 9- FeeItemType Enumerations in UCD v2.0 for these new values.
+
+**22. Will I receive an error message if I send a UCD supported enumeration for ucd:FeeItemTypeOtherDescription or FeeTypeOtherDescription?**
+
+There are situations when using ucd:FeeItemTypeOtherDescription or FeeTypeOtherDescription is warranted, e.g., for specialized or jurisdiction specific charges, but if a UCD-supported enumeration reasonably represents the disclosure of fees on the CD it must be used in the UCD XML file. The GSEs are monitoring the use of ucd:FeeItemType = ‘Other’ plus ucd:FeeItemTypeOtherDescription for content and frequency; however, no critical edits are currently planned when the use of ‘Other’ exceeds a certain number within the UCD XML file. Lender-level usage reports can be made available upon request to your Fannie Mae or Freddie Mac account representative.
+
+ Fees
+
+ **23. How should recording fees and amounts be included in UCD v1.5 FeeType / UCD v2.0 ucd:FeeItemType = “Recording Fee Total”?**
+
+The value provided for FeeType (v1.5) / ucd:FeeItemType (v2.0) = “RecordingFeeTotal” should be the sum of the amounts of all recording fees paid or to be paid to any government authority, regardless of the entity collecting the payments. This sum must also include the amounts for FeeType (v1.5) / ucd:FeeItemType (v2.0) = “RecordingFeeForMortgage” and “RecordingFeeForDeed.” Refer to the [UCD Phase 3 Critical Edits Job Aid: Taxes and Other Government Fees](https://sf.freddiemac.com/docs/pdf/ucd-joint-gse-job-aid-guide-taxes-and-other-government-fees.pdf) on the GSEs’ UCD webpages FannieMae.com and FreddieMac.com for more information.
+
+**24. Do we need to include the fees for “LoanDiscountPoints”, “PrepaidInterest” and “LenderCredits” in the UCD XML file even when they are not part of the loan transaction?**
+
+Yes, these data points must be provided in the UCD XML file as described:
+
+- Even when discount points are not part of the transaction, UCD v1.5 FeeType or UCD v2.0 ucd:FeeItemType = “LoanDiscountPoints” along with FeeActualPaymentAmount value equal to “0.00” are required for all loans and must be provided in the UCD XML file. FeeTotalPercent is not required when FeeActualPaymentAmount is “0.00”.
+- Even when prepaid interest is not part of the transaction, UCD v1.5 and v2.0 PrepaidItemType = “PrepaidInterest” along with PrepaidItemActualPaymentAmount = “0.00” must be provided in the UCD XML file.
+- Even when lender credits are not part of the transaction, UCD v1.5 and v2.0 IntegratedDisclosureSubsectionType = “LenderCredits” along with IntegratedDisclosureSubsectionPaymentAmount = “0.00” must be provided in the UCD XML file.
+**25. How will the Phase 3B Postponed critical edits enforce the section required for a given fee?**
+
+In 2024, the GSEs removed the Phase 3B critical edits enforcing a limited set of fee enumerations allowed with IntegratedDisclosureSectionType = ‘BorrowerDidShopFor’, ‘BorrowerDidNotShopFor’, and ‘Other’.
+
+In UCD v2.0, any supported ucd:FeeItemType enumeration may be used in those sections. Supported enumerations for IntegratedDisclosureSectionType = ‘OriginationCharges‘ and ‘TaxesAndOtherGovernmentFees’ are limited and have been published in the UCD v2.0 Specification and the UCD v2.0 Critical Edits Matrix. See Tab 9-FeeItemType Enumerations in UCD v2.0 for those subsets.
+
+**26. In UCD v2.0, how do we deliver enumerations that were specified for certain “OtherDescription” data points in UCD v1.5?**
+
+In UCD v1.5, the following data points ending in “OtherDescription” specified specific enumerations:
+
+- ClosingAdjustmentItemTypeOtherDescription = “PrincipalReduction | SellersReserveAccountAssumption”
+- EscrowItemTypeOtherDescription = “BoroughPropertyTax”
+- FeeTypeOtherDescription = “DebtSuspensionInsurancePremium” (This example is valid for UCD v1.5; for v2.0 use ucd:FeeItemType = “DebtSuspensionInsurancePremium”)
+- ProrationItemTypeOtherDescription = “OtherAssessments”
+UCD v2.0 treats these data points as strings and does not validate the values provided. The values formerly specified as enumerations for these data points may still be provided as string fields (as may any other non-UCD supported enumeration). Should any of these apply to the transaction, provide the text string in the same format shown in UCD v1.5.
+
+ UCD XML File Content
+
+ **27. When the Alternate Form is used for a refinance transaction, how should any gifts or grants be provided in the UCD XML file?**
+
+The required data points when the Alternate Form is used are listed below with the UCD v1.5 UID, a slash, then the UCD v2.0 UID:
+
+- 16.016 / 10.039 ClosingAdjustmentItemAmount
+- 16.024 / 10.211 ClosingAdjustmentItemPaidOutsideOfClosingIndicator
+- 16.017 / 10.042 ClosingAdjustmentItemType = “Gift” or “Grant”
+- 16.020 (same in both spec versions) IntegratedDisclosureSectionType = “PayoffsAndPayments”
+- 16.023 /10.308 FullName with the full name of the individual providing the gift, OR
+- 16.022 / 10.043 FullName with the full, unparsed name of the legal entity providing the grant.
+- 16.021 (same in both spec versions) gse:FullName with the full, unparsed name of the payee
+When the Model Form is used for a refinance transaction, the data points to be provided in the UCD XML file are the same, with the following substitutions for the Model Form heading and subheading:
+
+- 10.162 (same in both versions) IntegratedDisclosureSectionType = “PaidAlreadyByOrOnBehalfOfBorrowerAtClosing”
+- UID 10.163 (same in both versions) IntegratedDisclosureSubsectionType = “OtherCredits”
+**28. I have run my loan through both Desktop Underwriter® (DU®) and Loan Product Advisor® (LPA®) and received an Automated Underwriting Case Identifier from both systems. Can I include the Automated Underwriting Case Identifier and Automated Underwriting Case System Type for both DU and Loan Product Advisor in the same UCD XML file?**
+
+Yes. You may include two instances of Automated Underwriting Case Identifier and Automated Underwriting System Type in the UCD XML file:
+
+One with Automated Underwriting System Type = “DesktopUnderwriter” and second instance with Automated Underwriting System Type = “Other” / Automated Underwriting System Type OtherDescription = “LoanProductAdvisor”.
+
+**29. How do I determine the value that should be delivered UID 4.039 Average Prime Offer Rate Percent (APOR)?**
+
+Refer to [https://ffiec.cfpb.gov/tools/rate-spread](https://ffiec.cfpb.gov/tools/rate-spread) for information on how to calculate the APOR.
+
+**30. How do I identify in the UCD XML file fees related to a loan with a temporary buydown?**
+
+If the loan has a temporary buydown feature, include the following data points in the UCD XML file:
+
+- Buydown Temporary Subsidy Funding Indicator = “true”
+- Fee Type = “TemporaryBuydownPoints” (the total dollar amount of the buydown fund)
+- Fee Type = “TemporaryBuydownAdministrationFee” (the total cost to the borrower for the service of establishing the buydown fund, when charged)
+**31. What value is expected in UID 3.038 Current Rate Set Date?**
+
+As defined in the MISMO v3.3.0 Logical Data Dictionary and reflected in the UCD Specs, Current Rate Set Date is, *“The date on which the interest rate for the loan was set by the lender for the final time before closing.”*
+
+**32. How do I indicate that the Secured Overnight Financing Rate (SOFR) was used as the index for an Adjustable-Rate Mortgage (ARM) Transaction?**
+
+The value “Other” should be provided in UID 11.055 Index Type and the value “SOFR” should be provided in UID 11.100 Index Type Other Description.
+
+*Note: If your business process requires delivery of ‘30DayAverageSOFR’, this value can be delivered in the UCD XML file instead of ‘SOFR’ and will not impact the status of your UCD submission or the eligibility of the loan.*
+
+**33. How is the subject property address provided when it does not have a street address?**
+
+Provide UID 1.012 Unparsed Legal Description along with UID 1.011 Postal Code.
+
+**34. What UCD values for ConstructionMethodType do we use in our AUS (automated underwriting system)?**
+
+The MISMO versions supporting our AUSs, UCD and ULDD accommodate a single ConstructionMethodType per property. The following table provides a mapping from the value reported from the Uniform Appraisal Dataset (UAD) to these datasets when a single ConstructionMethodType is identified.
+
+**Single Value Reported in UAD** **Report This Value In** **DU and LPA** **UCD** **ULDD** Manufactured Manufactured Manufactured Manufactured OnFrameModular SiteBuilt SiteBuilt SiteBuilt Modular SiteBuilt SiteBuilt SiteBuilt SiteBuilt SiteBuilt SiteBuilt SiteBuilt Container SiteBuilt Container Container ThreeDimensionalPrintingTechnology SiteBuilt ThreeDimensionalPrintingTechnology ThreeDimensionalPrintingTechnology When UAD reports multiple ConstructionMethodTypes the following table provides the mapping to the AUSs UCD and ULDD:
+
+**Multiple Values Reported in UAD** **Report This Value In** **DU and LPA** **UCD** **ULDD** Manufactured and SiteBuilt Manufactured Manufactured Manufactured Manufactured and OnFrameModular Manufactured Manufactured Manufactured Manufactured and Modular Manufactured Manufactured Manufactured Manufactured and Container Manufactured Manufactured Manufactured Manufactured and ThreeDimensionalPrintingTechnology Manufactured Manufactured Manufactured SiteBuilt and OnFrameModular SiteBuilt SiteBuilt SiteBuilt SiteBuilt and Modular SiteBuilt SiteBuilt SiteBuilt SiteBuilt and Container SiteBuilt SiteBuilt SiteBuilt SiteBuilt and ThreeDimensionalPrintingTechnology SiteBuilt SiteBuilt SiteBuilt OnFrameModular and Modular SiteBuilt SiteBuilt SiteBuilt OnFrameModular and Container SiteBuilt SiteBuilt SiteBuilt OnFrameModular and ThreeDimensionalPrintingTechnology SiteBuilt SiteBuilt SiteBuilt Modular and Container SiteBuilt SiteBuilt SiteBuilt Modular and ThreeDimensionalPrintingTechnology SiteBuilt SiteBuilt SiteBuilt Container and ThreeDimensionalPrintingTechnology SiteBuilt SiteBuilt SiteBuilt **35. How can I reflect a simultaneous second loan in the UCD XML file?**
+
+If the subject loan includes subordinate financing closing simultaneously, set UCD Unique ID 16.015 gse:SubordinateFinancingIsNewIndicator = “true”. If the subordinate financing is used in the loan transaction include UCD Unique ID 10.291 TotalSubordinateFinancingAmount.
+
+ Qualified Mortgages
+
+ **36. The UCD contains several Ability-to-Repay (ATR) data points. Do these data points need to be included in the UCD XML file?**
+
+Yes. Even though some of this data is not on the CD, the GSEs require it to be submitted in the UCD XML file.
+
+**37. If a loan is considered exempt from Regulation Z’s ATR requirements, how should this be reflected in the UCD XML file?**
+
+The following data points and values should be included in the UCD XML file if the loan is exempt from Regulation Z’s ATR requirements:
+
+- Ability To Repay Method Type = “Exempt”
+- Ability To Repay Exemption Reason Type = “PropertyUsage” for ATR exempt investment properties used for business purposes or “LoanProgram” for exempt Housing Finance Agency (HFA) loans
+- Refer to [Fannie Mae’s Lender Letter LL-2021-11](/news-events/lender-letter-ll-2021-11-loan-eligibility-qualified-mortgage-rule) / [Freddie Mac’s Guide Bulletin 2021-19](https://sf.freddiemac.com/articles/news/guide-bulletin-2021-19-updates-related-to-the-pspa-and-the-revised-qm-rule)
+**38. When should the data point gse:QualifiedMortgageShortResetARM_APRPercent be included in the UCD file?**
+
+gse:QualifiedMortgageShortResetARM_APRPercent is required for all ARMs with an adjustment within five years of the note date.
+
+ XML File Technical Considerations
+
+ **39. Do the GSEs validate that the submitted UCD XML file formation is correct?**
+
+Yes. Upon receipt, each GSE validates the UCD XML file structure and syntax against the MISMO v3.3.0299 Reference Model schema upon submission. For UCD XML files based on the UCD v2.0, the GSEs will also validate against the ucd schema (ucd.xsd).
+
+**40. How should I handle negative values in the UCD XML file? For example, should the Aggregate Adjustment value in the Closing Costs Details section of the Closing Disclosure be submitted as a negative value in the XML file?**
+
+In general, any value that is reflected as a negative value on the CD, for example, an aggregate adjustment, should be provided as a negative value in the UCD XML file. Refer to the Potential Sign Conflict table in the UCD Implementation Guide for additional examples.
+
+**41. What is the DisplayLabelText attribute?**
+
+The *DisplayLabelText* attribute is used by document preparation providers to render a non-enumerated value on the CD for fee, prepaid, escrow, liability and closing adjustment items. This allows Sellers to continue to use proprietary terminology when disclosing costs. For example, a *DisplayLabelText* value of “Attorney Doc Prep Fee” appears on the CD, but the corresponding supported enumerated value of “DocumentPreparationFee” would be provided for FeeType (v1.5) / ucd:FeeItemType (v2.0) in the UCD XML file. A sample XML snippet based on UCD v1.5 is provided below:
+
+Sample XML Snippet:
+
+![picture1.png](/sites/g/files/koqyhd181/files/2025-09/Screenshot%202025-09-25%20161700.png)
+
+ 
+
+Sample Form Snippet:
+
+![picture2.png](/sites/g/files/koqyhd181/files/2023-11/picture2.png)
+
+ campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } });
+
+ 
+
+ ![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg)
+
+ ### Have questions?
+
+ Get answers to your policy and guide questions, straight from the source.
+
+ [Get Started **](/applications-technology/ask-poli)
+
+ ###### Work with Fannie Mae
+
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+
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+
+ - [Mortgage Products & Options](/originating-underwriting/mortgage-products)
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+
+ ###### Support & Resources
+
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+
+ ###### Other Sites
+
+ - [Fannie Mae's Consumer Website](https://www.fanniemae.com/)
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+
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+
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+
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Technology_Integration_Resources___Fannie_Mae/links/_.md/Fannie_Mae_Authentication___Authorization_Services_c6udf4.md

@@ -0,0 +1,28 @@
+---
+source_url: "https://singlefamily.fanniemae.com/external-resource/ucd-test-environment"
+date_accessed: "2026-01-27T18:02:20.125Z"
+---
+
+Sign On
+
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+
+ * Required
+
+ !
+
+ fm.external.html.form.login.template.missingField
+
+ Password
+
+ * Required
+
+ !
+
+ fm.external.html.form.login.template.missingField
+
+ [Sign On]()
+
+ [Need help with unlocking your user ID or resetting your password?](https://passwordreset.fanniemae.com/)
+
+   .errhidden { display: none; } .errorcol { color: red; }  function postForgotPassword() { document.forms[0]['pf.passwordreset'].value = 'clicked'; document.forms[0].submit(); } function postRecoverUsername() { document.forms[0]['pf.usernamerecovery'].value = 'clicked'; document.forms[0].submit(); } function postAlternateAuthnSystem(system) { var variants = ["Biometrics", "Windows Hello", "Face ID", "Touch ID"]; for (i = 0; i < variants.length; i++) { if(variants[i] == system) { system = "FIDO"; } } document.forms[0]['$alternateAuthnSystem'].value = system; document.forms[0].submit(); } function postRegistration() { document.forms[0]['$registrationValue'].value = true; document.forms[0].submit(); } /* Ashok - commenting default postOk method and replaced fmsso postok method function postOk() { if (false) { grecaptcha.execute(); } else { // remove error tips if (document.forms[0]['pf.username'].value !== '') { document.getElementById('username-text').className = 'place-bottom type-alert tooltip-text'; } if (document.forms[0]['pf.pass'].value !== '') { document.getElementById('password-text').className = 'place-bottom type-alert tooltip-text'; } // Add back if (document.forms[0]['pf.username'].value === '') { document.getElementById('username-text').className += ' show'; } else if (document.forms[0]['pf.pass'].value === '') { document.getElementById('password-text').className += ' show'; } else { submitForm() } } } */ function postOk() { if (false) { grecaptcha.execute(); } document.forms[0]['pf.ok'].value = 'clicked'; var invalid = checkForm(); if(!invalid) { document.forms[0]['pf.username'].value = document.forms[0]['pf.username'].value.toLowerCase(); document.forms[0].submit(); } } function submitForm() { var signOnButtonSpan = document.getElementById('signOnButtonSpan'); signOnButtonSpan.classList.add('content-columns', 'disabled'); signOnButtonSpan.style = "pointer-events: none;"; var signOnButton = document.getElementById('signOnButton'); signOnButton.innerHTML = 'fm.external.html.form.login.template.signingOn'; document.forms[0]['pf.ok'].value = 'clicked'; document.forms[0].submit(); if(false) { grecaptcha.reset(); } } function postCancel() { document.forms[0]['pf.cancel'].value = 'clicked'; document.forms[0].submit(); } function postOnReturn(e) { var keycode; if (window.event) keycode = window.event.keyCode; else if (e) keycode = e.which; else return true; if (keycode == 13) { postOk(); return false; } else { return true; } } function setFocus() { var platform = navigator.platform; if (platform != null && platform.indexOf("iPhone") == -1) { document.getElementById('username').focus(); } } function setMobile(mobile) { var className = ' mobile', hasClass = (bodyTag.className.indexOf(className) !== -1); if (mobile && !hasClass) { bodyTag.className += className; } else if (!mobile && hasClass) { bodyTag.className = bodyTag.className.replace(className, ''); } } function getScreenWidth() { return (window.outerHeight) ? window.outerWidth : document.body.clientWidth; } var bodyTag = document.getElementsByTagName('body')[0], width = getScreenWidth(), remember = false && false; if (/Android|webOS|iPhone|iPod|BlackBerry|IEMobile|Opera Mini/i.test(navigator.userAgent)) { setMobile(true); } else { setMobile((width <= 480)); window.onresize = function() { width = getScreenWidth(); setMobile((width <= 480)); } } function show(element) { document.getElementById(element).style.display = 'block'; } function hide(element) { document.getElementById(element).style.display = 'none'; } function checkForm() { var specialChars = "*|,\":<>[]{}`\';()&$#%"; var requireUsername = document.getElementById('requireUsername').id; var requirePassword = document.getElementById('requirePassword').id; var invalidUsernamePassword = document.getElementById('invalidUsernamePassword').id; var failed = false; var userIDMinMaxFailed = false; var pwdMandatoryFailed = false; var userIDMandatoryFailed = false; var pwdMinMaxFailed = false; if(document.forms[0].username.value == "") { show(requireUsername); hide(invalidUsernamePassword); userIDMandatoryFailed = true; } else { hide(requireUsername); if(document.forms[0].username.value.length > 50 ||document.forms[0].username.value.length < 3 ){ show(invalidUsernamePassword); userIDMinMaxFailed = true; }else{ hide(invalidUsernamePassword); } } if(document.forms[0].password.value == "") { show(requirePassword); hide(invalidUsernamePassword); pwdMandatoryFailed = true; } else { hide(requirePassword); if(userIDMinMaxFailed == true || document.forms[0].password.value.length > 128){ show(invalidUsernamePassword); pwdMinMaxFailed = true; }else { hide(invalidUsernamePassword); } } if(userIDMinMaxFailed == true || pwdMandatoryFailed == true || userIDMandatoryFailed == true || pwdMinMaxFailed == true) { failed = true; } return failed; } 

Technology_Integration_Resources___Fannie_Mae/links/_.md/Fannie_Mae___Developer_Portal_f9k7tv.md

@@ -0,0 +1,6 @@
+---
+source_url: "https://developer.fanniemae.com/#/get-started/release-notes"
+date_accessed: "2026-01-27T18:02:17.341Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-KK5S4VMW]*   .grecaptcha-badge { display: none; } 

Technology_Integration_Resources___Fannie_Mae/links/_.md/Integrated_Vendor_List___Fannie_Mae_whn07m.md

@@ -0,0 +1,245 @@
+---
+source_url: "https://singlefamily.fanniemae.com/integrated-vendor-list"
+date_accessed: "2026-01-27T18:02:18.426Z"
+---
+
+[Skip to main content](#main-content)
+
+ > *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]*  ## FM Platform Nav
+
+ Toggle navigation  - - [Home](https://www.fanniemae.com/)
+ - [Single-Family Business](/)   Toggle  - [Originating & Underwriting](/originating-underwriting)
+ - [Pricing & Execution](/pricing-execution)
+ - [Delivering](/delivering)
+ - [Servicing](/servicing)
+ - [Learning Center](/learning-center)
+ - [Apps & Technology](/applications-technology/applications-technology)
+ - [News & Events](/news-events)
+ - [Become a Partner](/become-fannie-mae-seller-or-servicer)
+ - [Multifamily Business](https://multifamily.fanniemae.com/)
+ - [Capital Markets](https://capitalmarkets.fanniemae.com/)
+ - [Homebuyers, Owners, and Renters](https://yourhome.fanniemae.com/)
+ - - [Our Company]()
+ - [About Us](https://www.fanniemae.com/about-us)   Toggle  - [Who We Are](https://www.fanniemae.com/about-us/who-we-are)   Toggle  - [Awards and Recognition](https://www.fanniemae.com/about-us/who-we-are/awards-and-recognition)
+ - [Employee Code of Conduct](https://www.fanniemae.com/about-us/who-we-are/employee-code-conduct)
+ - [Community Engagement](https://www.fanniemae.com/about-us/who-we-are/community-engagement)
+ - [History](https://www.fanniemae.com/about-us/who-we-are/history)
+ - [What We Do](https://www.fanniemae.com/about-us/what-we-do)   Toggle  - [Fannie Mae Today](https://www.fanniemae.com/about-us/what-we-do/fannie-mae-today)
+ - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve)   Toggle  - [Manufactured Housing](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/manufactured-housing)
+ - [Affordable Housing Preservation](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/affordable-housing-preservation)
+ - [Rural Housing](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/rural-housing)
+ - [Research Initiatives](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/research-initiatives)
+ - [Heirship](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/heirship)
+ - [Colonias Investment Areas](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/colonias-investment-areas-research)
+ - [Supporting Native American homeownership](https://www.fanniemae.com/about-us/what-we-do/duty-serve/native-american-homeownership)
+ - [Homeownership](https://www.fanniemae.com/about-us/what-we-do/homeownership)   Toggle  - [Access to Mortgage Credit](https://www.fanniemae.com/about-us/what-we-do/homeownership/access-mortgage-credit)
+ - [Restrictive Covenants](https://www.fanniemae.com/about-us/what-we-do/homeownership/restrictive-covenants)
+ - [Innovation](https://www.fanniemae.com/about-us/what-we-do/innovation)
+ - [Financial Performance](https://www.fanniemae.com/about-us/what-we-do/financial-performance)
+ - [Disaster Resiliency and Response](https://www.fanniemae.com/about-us/what-we-do/disaster-resiliency-and-relief)
+ - [Pilot Transparency](https://www.fanniemae.com/about-us/what-we-do/pilot-transparency)
+ - [Positive Rent Payment Reporting](https://www.fanniemae.com/about-us/what-we-do/positive-rent-payment-reporting)
+ - [Leadership Team](https://www.fanniemae.com/about-us/fannie-mae-leadership-team)
+ - [Corporate Governance](https://www.fanniemae.com/about-us/corporate-governance)   Toggle  - [Corporate Governance Guidelines](https://www.fanniemae.com/about-us/corporate-governance/corporate-governance-guidelines)
+ - [Fannie Mae Charter](https://www.fanniemae.com/about-us/corporate-governance/fannie-mae-charter)
+ - [Board of Directors](https://www.fanniemae.com/about-us/corporate-governance/board-directors)
+ - [Committees](https://www.fanniemae.com/about-us/corporate-governance/fannie-mae-board-committees)
+ - [Committee Charters](https://www.fanniemae.com/about-us/corporate-governance/board-committee-charters)
+ - [Code of Conduct](https://www.fanniemae.com/about-us/corporate-governance/fannie-mae-code-conduct-board-directors)
+ - [Bylaws](https://www.fanniemae.com/about-us/corporate-governance/bylaws)
+ - [Contacting the Board of Directors](https://www.fanniemae.com/about-us/corporate-governance/contacting-board-directors)
+ - [Housing Reports](https://www.fanniemae.com/about-us/corporate-governance/ahar-and-amr)
+ - [Investor Relations](https://www.fanniemae.com/about-us/investor-relations)   Toggle  - [Quarterly and Annual Results](https://www.fanniemae.com/about-us/investor-relations/quarterly-and-annual-results)
+ - [SEC Filings](https://www.fanniemae.com/about-us/investor-relations/sec-filings)   Toggle  - [All SEC Filings](https://fanniemae.gcs-web.com/financial-information/sec-filings)
+ - [Annual Filings](https://fanniemae.gcs-web.com/annual-filings)
+ - [Quarterly Filings](https://fanniemae.gcs-web.com/quarterly-filings)
+ - [Current Reports](https://fanniemae.gcs-web.com/current-reports)
+ - [Section 16 Filings](https://fanniemae.gcs-web.com/section-filings)
+ - [Proxy Filings](https://fanniemae.gcs-web.com/proxy-filings)
+ - [Fixed-Income Securities](https://capitalmarkets.fanniemae.com/)
+ - [Monthly Summary and Capital Disclosures](https://www.fanniemae.com/about-us/investor-relations/additional-disclosures)   Toggle  - [Monthly Summary](https://www.fanniemae.com/about-us/investor-relations/monthly-summary)
+ - [Capital Disclosures](https://www.fanniemae.com/about-us/investor-relations/capital-disclosures)
+ - [Stockholder Information](https://www.fanniemae.com/about-us/investor-relations/stock-information)
+ - [Current and Historical Stock Information](https://fanniemae.gcs-web.com/stock-information/stock-quote)
+ - [Contact Information](https://www.fanniemae.com/about-us/investor-relations/investor-contact-information)
+ - [Corporate Responsibility](https://www.fanniemae.com/about-us/corp-responsibility)
+ - [Data and Insights](https://www.fanniemae.com/data-and-insights)   Toggle  - [Forecast](https://www.fanniemae.com/data-and-insights/forecast)   Toggle  - [Monthly Archive](https://www.fanniemae.com/data-and-insights/forecast/forecast-monthly-archive)
+ - [Surveys & Indices](https://www.fanniemae.com/data-and-insights/surveys)   Toggle  - [National Housing Survey](https://www.fanniemae.com/data-and-insights/surveys-indices/national-housing-survey)   Toggle  - [About the National Housing Survey](https://www.fanniemae.com/data-and-insights/surveys-indices/national-housing-survey/about-national-housing-survey)
+ - [Archive](https://www.fanniemae.com/data-and-insights/surveys-indices/national-housing-survey/national-housing-survey-archive)
+ - [Mortgage Lender Sentiment Survey](https://www.fanniemae.com/data-and-insights/surveys/mortgage-lender-sentiment-survey)   Toggle  - [About the Mortgage Lender Sentiment Survey](https://www.fanniemae.com/data-and-insights/surveys-indices/mortgage-lender-sentiment-survey/about-mortgage-lender-sentiment-survey)
+ - [Archive](https://www.fanniemae.com/data-and-insights/surveys-indices/mortgage-lender-sentiment-survey/mortgage-lender-sentiment-survey-archive)
+ - [Fannie Mae Home Price Index](https://www.fanniemae.com/data-and-insights/surveys-indices/fannie-mae-home-price-index)
+ - [Home Price Expectations Survey](https://www.fanniemae.com/data-and-insights/surveys-indices/home-price-expectations-survey-hpes)
+ - [Refinance Application-Level Index](https://www.fanniemae.com/data-and-insights/surveys-indices/refinance-application-level-index)   Toggle  - [About the Refinance Application-Level Index](https://www.fanniemae.com/data-and-insights/surveys-indices/refinance-application-level-index/about-refinance-application-level-index)
+ - [Special Topics](https://www.fanniemae.com/data-and-insights/surveys-indices/special-topics/special-topics-archive)   Toggle  - [Consumer Mortgage Understanding Survey](https://www.fanniemae.com/mortgage-understanding-study)
+ - [Special Topics Archive](https://www.fanniemae.com/data-and-insights/surveys-indices/special-topics/special-topics-archive)
+ - [Publications](https://www.fanniemae.com/data-and-insights/publications)   Toggle  - [Fannie Mae Working Papers](https://www.fanniemae.com/data-and-insights/publications/fannie-mae-working-papers)
+ - [Housing Insights](https://www.fanniemae.com/data-and-insights/publications/housing-insights)
+ - [Partner Research](https://www.fanniemae.com/data-and-insights/publications/partner-research)
+ - [Publications Archive](https://www.fanniemae.com/data-and-insights/publications/publications-archive)
+ - [Perspectives](https://www.fanniemae.com/data-and-insights/perspectives)   Toggle  - [Archive - 2025](https://www.fanniemae.com/data-and-insights/perspectives/fannie-mae-perspectives-2025-archive)
+ - [Archive - 2024](https://www.fanniemae.com/data-and-insights/perspectives/fannie-mae-perspectives-2024-archive)
+ - [Archive - 2023](https://www.fanniemae.com/data-and-insights/perspectives/fannie-mae-perspectives-2023-archive)
+ - [Archive - 2022](https://www.fanniemae.com/data-and-insights/perspectives/fannie-mae-perspectives-2022-archive)
+ - [About ESR](https://www.fanniemae.com/data-and-insights/about-economic-and-strategic-research-esr-group)
+ - [Newsroom](https://www.fanniemae.com/newsroom)   Toggle  - [News](https://www.fanniemae.com/newsroom/fannie-mae-news)
+ - [Media Resources](https://www.fanniemae.com/newsroom/media-resources)
+ - [Careers](https://www.fanniemae.com/careers)   Toggle  - [Our Teams](https://www.fanniemae.com/careers/our-teams)   Toggle  - [Corporate Teams](https://www.fanniemae.com/careers/our-teams/corporate-teams)
+ - [Data & Analytics](https://www.fanniemae.com/careers/our-teams/data-analytics)
+ - [Digital & Technology](https://www.fanniemae.com/careers/our-teams/digital-technology)
+ - [Mortgage & Customer Solutions](https://www.fanniemae.com/careers/our-teams/mortgage-customer-solutions)
+ - [Risk Management](https://www.fanniemae.com/careers/our-teams/risk-management)
+ - [Life at Fannie Mae](https://www.fanniemae.com/careers/life-fannie-mae)
+ - [Benefits & Professional Development](https://www.fanniemae.com/careers/benefits)
+ - [Campus](https://www.fanniemae.com/careers/campus)
+ - [Contact Us](https://www.fanniemae.com/about-us/contact-us)
+ Menu  Single-Family Business
+
+ ## FM Site Nav
+
+ [Homepage  ![Fannie Mae logo](/themes/custom/particle/dist/app-drupal-sf/assets/fm_logo_rgb.png)](https://www.fanniemae.com/) - [Originating & Underwriting](/originating-underwriting)
+ - [Pricing & Execution](/pricing-execution)
+ - [Delivering](/delivering)
+ - [Servicing](/servicing)
+ - [Learning Center](/learning-center)
+ - [Apps & Technology](/applications-technology/applications-technology)
+ - [News & Events](/news-events)
+ - [Become a Partner](/become-fannie-mae-seller-or-servicer)
+ Toggle search  **  
+
+ [Login](/saml/login?destination=/)  // Function to initialize a search interface document.addEventListener('DOMContentLoaded', async function () { async function initializeSearchInterface(id, accessToken, organizationId) { const searchInterface = document.getElementById(id); if (searchInterface) { await customElements.whenDefined("atomic-search-interface"); // Initialization await searchInterface.initialize({accessToken: accessToken, organizationId: organizationId, organizationEndpoints: await searchInterface.getOrganizationEndpoints(organizationId)}); // Only need this for the guides. if (window.location.host.indexOf("guide") !== -1 || window.location.host.indexOf("credit") !== -1 || window.location.host.indexOf("fm") !== -1) { const searchBox = document.querySelector('atomic-search-interface#search-interface-search-bar atomic-search-box'); const engine = searchInterface.engine; var currentQuery = ""; function handleStateUpdate() { const state = engine.state; if (engine.state.query.q != "" && currentQuery != engine.state.query.q) { currentQuery = engine.state.query.q; var redirectUrl = searchBox.redirectionUrl + "&q=" + engine.state.query.q; searchBox.redirectionUrl = redirectUrl; } } const unsubscribe = engine.subscribe(handleStateUpdate); } } } // Initialize the first search initializeSearchInterface("search-interface-search-bar", 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc', 'fanniemae9glu2r77'); var accessToken = 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc'; var fieldName = "@clickableuri"; var fieldValue = function () {return location.href } setTimeout(function(){ coveoua("init", accessToken, "https://fanniemae9glu2r77.analytics.org.coveo.com/rest/ua"); coveoua("send", "view", { contentIdKey: fieldName, contentIdValue: fieldValue(), }); }, 3000); });  
+
+ // Get the toggle button and the search form block document.addEventListener('DOMContentLoaded', function () { var toggleButton = document.querySelector('.fm-toggle-search'); var searchFormBlock = document.querySelector('.fm-search__form-block--header'); // Add click event listener to the toggle button toggleButton.addEventListener('click', function () { searchFormBlock.classList.toggle('is-open'); }); });  atomic-search-interface#search-interface-search-bar { position: absolute; right: 1%; top: 0; padding: 8px; background: #F1F1EF; border-radius: 55px; width: 98%; z-index: 999; transform: translateY(-60px); } @media only screen and (min-width: 768px) { atomic-search-interface#search-interface-search-bar { width: 430px; right: 16px; min-width: 430px; transform: unset; } } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; border-right: solid 15px transparent; display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box { width: auto; max-width: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper) { border: 1px solid rgba(12, 12, 12, 0.3); border-radius: 24px; background: #fff; padding: 4px 10px; align-items: center; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper):focus-within { box-shadow: unset; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input) { color: #121212; font-family: 'Source Sans Pro', sans-serif; font-weight: 400; font-size: 16px; display: block; width: 100%; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-indent: 0; padding: 12px 14px; line-height: 24px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input)::placeholder { color: #717171; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; border-right: solid 15px transparent; display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box { width: auto; max-width: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper) { border: 1px solid rgba(12, 12, 12, 0.3); border-radius: 24px; background: #fff; padding: 4px 10px; align-items: center; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper):focus-within { box-shadow: unset; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input) { color: #121212; font-family: 'Source Sans Pro', sans-serif; font-weight: 400; font-size: 16px; display: block; width: 100%; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-indent: 0; padding: 12px 14px; line-height: 24px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input)::placeholder { color: #717171; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } .fm-search__form-block--header.is-open { transform: inherit; opacity: 1; display: block; } .fm-search__form-block--header { transform: translateY(-20px); transition: all 0.4s ease-in-out; opacity: 0; z-index: -1; } .fm-search__form-block--header.container { position: relative; padding: 0; max-width: 100%; } atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(clear-icon):hover { color: #1c6fa3; } atomic-search-interface#search-interface-search-bar.guide atomic-search-box::part(clear-button) { margin-top: -8px; margin-right: 10px; }
+
+ 
+
+ []() 
+
+ - [Home](/)
+ - Integrated Vendor List
+
+ # Integrated Vendor List
+
+ Fannie Mae partners with technology and industry vendors across the mortgage lifecycle to enable mutual customers access to our suite of solutions. The list below is a comprehensive view of all integrated and non-integrated companies across Single Family.
+
+ **New!** Click here to access the current [property data collection: fulfillment providers list](/property-data-collection-fulfillment-providers).
+
+ []()
+
+ Name
+
+ Fannie Mae Product Interface  - Any - Asset Validation Report Provider Asset Validation Report Supplier Credit Information Provider Desktop Originator Desktop Underwriter EarlyCheck eClose eNote eVault Income and Employment Validation Report Provider Income and Employment Validation Report Supplier Income Calculator Mission Score API Mortgage Insurance Pricing & Execution - Whole Loan Browse Price Pricing & Execution - Whole Loan Make Commitment Pricing & Execution - Whole Loan Manage Commitment Property Data API Servicing Management Default Underwriter Tax Transcript Validation Report Provider Tax Transcript Validation Report Supplier UAD 3.6 Appraisal Software Provider UAD 3.6 Compliance Rules API Uniform Closing Dataset File Creation Uniform Closing Dataset File Delivery Uniform Collateral Data Portal for UAD 2.6 Uniform Collateral Data Portal for UAD 3.6 Uniform Loan Delivery Dataset
+
+ Technology Type  - Any - Appraisal Closing Credit Information Provider Data Validation Provider (all DVS vendors) Default Management (SMDU vendors) Document Preparation eMortgage (eClose, eNote, and eVault ) End-to-End Loan Delivery Loan Origination System Mortgage Insurance Point-of-Sale Pricing & Product Engine QC & Compliance Servicing  Name  Vendor Product  Fannie Mae Product Interface  [IBT Apps, Inc. dba IBT Apps/ PowerLender](https://www.powerlender.com/)  Power Lender® Loan Origination & Processing System  - Desktop Underwriter
+- EarlyCheck
+- Uniform Closing Dataset File Creation
+- Uniform Closing Dataset File Delivery
+- Uniform Loan Delivery Dataset  [Lender Software Solutions, LLC.](https://www.lender.com/)  Lender Optimus Unified Mortgage Experience Platform  - Desktop Originator
+- Desktop Underwriter  [WILQO](https://wilqo.com/)  Charlie  - Desktop Originator
+- Desktop Underwriter
+- EarlyCheck  [4506-Transcripts.com](https://www.Privateeyesbackgroundchecks.com)  4506-Transcripts  - Asset Validation Report Provider
+- Tax Transcript Validation Report Supplier  [AccountChek by Informative Research](https://www.informativeresearch.com/accountchek/)  AccountChek  - Asset Validation Report Supplier  [Accudata Credit Systems](https://www.accudataservices.com)  Accudata Credit Systems  - Asset Validation Report Provider
+- Tax Transcript Validation Report Provider  [Accurate Financial Services](https://www.afsaccounting.com)  Sponsor SharperLending  - Asset Validation Report Provider
+- Credit Information Provider  [Accurate Group, LLC](https://www.accurategroup.com/)  Archer™  - Property Data API  [ACI](https://www.appraisal.com)  Appraisal.com  - Uniform Collateral Data Portal for UAD 2.6  [ACRAnet, Inc.](https://www.acranet.com)  Sponsor SharperLending  - Asset Validation Report Provider
+- Credit Information Provider
+- Income and Employment Validation Report Provider
+- Tax Transcript Validation Report Provider  [Actualize Consulting](https://www.actualizeconsulting.com)  TransformX  - Uniform Closing Dataset File Creation
+- Uniform Closing Dataset File Delivery  [Advanced Data](https://www.advanceddata.com)  Advanced Data® Income Tax Verification  - Asset Validation Report Provider
+- Income and Employment Validation Report Provider
+- Tax Transcript Validation Report Supplier  [Advantage Credit Bureau](https://www.advantagecreditbureau.com)  Sponsor MeridianLink, Inc.  - Income and Employment Validation Report Provider
+- Tax Transcript Validation Report Provider  [Advantage Credit, Inc. of Colorado](https://www.advcredit.com)  Sponsor MeridianLink, Inc.  - Asset Validation Report Provider
+- Credit Information Provider
+- Income and Employment Validation Report Provider
+- Tax Transcript Validation Report Provider  [Advantage Plus Credit Reporting, Inc.](http://www.advpluscredit.com)  Sponsor MeridianLink, Inc.  - Asset Validation Report Provider
+- Credit Information Provider
+- Income and Employment Validation Report Provider
+- Tax Transcript Validation Report Provider  [AIMSdashboard, LLC](https://www.aimsdashboard.com)  AIMSdashboard  - Uniform Collateral Data Portal for UAD 2.6  [Aivre](https://www.aivre.com/)  URAR UAD 3.6, Aivre Analytics, Aivre Adjuster, Aivre Mobile, & GPAR  - UAD 3.6 Appraisal Software Provider
+- UAD 3.6 Compliance Rules API  [Alexander McCabe Appraisal Management Company](https://www.alexandermccabe.com)  @Home VMS  - Uniform Collateral Data Portal for UAD 2.6  [Alliance 2020](https://www.alliance2020.com)  Alliance 2020  - Asset Validation Report Provider
+- Income and Employment Validation Report Provider  [ALM First Financial](https://www.almfirst.com)  Mortgage Pipeline Hedging  - Pricing & Execution - Whole Loan Browse Price  [American Reporting Company, LLC](https://www.arcreports.com)  Sponsor MeridianLink, Inc.  - Asset Validation Report Provider
+- Credit Information Provider
+- Income and Employment Validation Report Provider
+- Tax Transcript Validation Report Provider  [Amrock, LLC](https://www.rocketclose.com/)  Rocket Close  - eClose  [Appraisal Host, LLC](https://www.appraisalhost.com)  Appraisal Host® Appraisal Management Software  - Uniform Collateral Data Portal for UAD 2.6  [Appraisers Now US, LLC](https://www.voxtur.com/)  Walk-Through  - Property Data API  [Arch Mortgage Insurance Fund](https://mi.archcapgroup.com)  ULDD Enumerated Value: ArchMI MI Code 38  - Mortgage Insurance  [Ardley Technologies, Inc.](https://www.ardley.com/)  Ardley  - Desktop Underwriter  [Argyle](https://argyle.com/industries/mortgage/)  Argyle Verification of Income & Employment & Verification of Employment  - Income and Employment Validation Report Supplier  [Ascent Software Group LLC - DBA Jaro](https://www.tryjaro.com/)  JaroDesk, JaroKit, JaroInspect  - UAD 3.6 Appraisal Software Provider  [Asteroom](https://www.asteroom.com/en)  Asteroom for PDR/PDC  - Property Data API  [Asurity Mortgage Group](https://www.asurity.com)  Propel  - Uniform Closing Dataset File Creation  [Avantus](https://www.avantus.com)  Avantus IRS-Direct Tax Transcripts Sponsor NCRA/CSD  - Asset Validation Report Provider
+- Credit Information Provider
+- Income and Employment Validation Report Provider
+- Tax Transcript Validation Report Supplier  [Back in the Black](https://www.BackInTheBlack.com)  BackInTheBlack®  - Servicing Management Default Underwriter  [Baleen](https://www.baleensolutions.com/income-calculator)  Baleen Lending  - Income Calculator  [BankVOD](https://www.bankvod.com)  BankVOD™  - Asset Validation Report Provider  [BeSmartee, Inc.](https://www.besmartee.com)  BeSmartee  - Desktop Originator
+- Desktop Underwriter  [Birchwood Credit Services, Inc.](https://www.birchwoodcreditservices.com)  Sponsor MeridianLink, Inc.  - Asset Validation Report Provider
+- Credit Information Provider
+- Income and Employment Validation Report Provider
+- Tax Transcript Validation Report Provider  [Black Knight](https://www.blackknightinc.com/)  Loss Mitigation Solution  - Servicing Management Default Underwriter  [Black Knight](https://www.blackknightinc.com/)  Expedite® Close  - eClose
+- eNote
+- eVault  [Black, Mann & Graham, L.L.P](https://www.BMandG.com)  JetDocs (Closing Express)  - Uniform Closing Dataset File Creation  [Blend Labs](https://www.blend.com)  Blend  - Asset Validation Report Supplier
+- Desktop Originator
+- Desktop Underwriter
+- eClose
+- Income and Employment Validation Report Supplier  #### Pagination
+
+ - [Current page 1](?page=0)
+ - [Page 2](?page=1)
+ - [Page 3](?page=2)
+ - [Page 4](?page=3)
+ - [Page 5](?page=4)
+ - …
+ - [Next page  Next](?page=1)
+
+ For more information about vendor products, please contact the vendor directly. Please note that Fannie Mae does not endorse any vendor solutions.
+
+ **Denotes vendor has not been validated to support the redesigned Form 1003 and Desktop Underwriter®(DU®) Specification based on MISMO® V3.4.*
+
+ campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } });
+
+ 
+
+ ![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg)
+
+ ### Have questions?
+
+ Get answers to your policy and guide questions, straight from the source.
+
+ [Get Started **](/applications-technology/ask-poli)
+
+ ###### Work with Fannie Mae
+
+ - [Customer Login](/saml/login)
+ - [Password Reset](https://passwordreset.fanniemae.com/)
+ - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer)
+
+ ###### Products & Solutions
+
+ - [Mortgage Products & Options](/originating-underwriting/mortgage-products)
+ - [Technology Apps & Solutions](/applications-technology/applications-technology)
+
+ ###### Support & Resources
+
+ - [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts)
+ - [Guide Forms](/selling-servicing-guide-forms)
+ - [Learning Center](/learning-center)
+ - [News & Events](/news-events)
+ - [Report mortgage fraud](/mortgage-fraud-prevention)
+
+ ###### Other Sites
+
+ - [Fannie Mae's Consumer Website](https://www.fanniemae.com/)
+ - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/homeownership/duty-serve)
+ - [HomePath](https://www.homepath.com/)
+
+ .login-block.menu-open .user-logout { position: inherit !important; float: left; margin-right: 5px; }
+
+ jQuery(document).ready(function () { jQuery('a[href^="#"]:not(.hv-tabbed-content a)').on('click', function (e) { e.preventDefault(); const targetSelector = jQuery(this).attr('href'); const targetEl = jQuery(targetSelector); if (targetEl.length) { jQuery('html, body').animate( { scrollTop: targetEl.offset().top - 50, }, 500, function () { targetEl.attr('tabindex', '-1').focus(); } ); } }); });
+
+ ## Social media
+
+ - [LinkedIn](https://www.linkedin.com/company/fannie-mae-corporation_19722)
+ - [Facebook](https://www.facebook.com/fanniemae)
+ - [Instagram](https://instagram.com/officialfanniemae)
+ - [X (formerly Twitter)](https://twitter.com/FannieMae)
+
+ ## Footer menu
+
+ - [Suppliers](https://www.fanniemae.com/portal/suppliers/index.html)
+ - [Careers](https://careers.fanniemae.com/main)
+ - [Contact Us](https://www.fanniemae.com/portal/about-fm/sf-mf-contacts.html)
+ - [Legal](https://www.fanniemae.com/about-us/legal-disclosure)
+ - [Privacy](https://www.fanniemae.com/about-us/corporate-governance/online-privacy-notice)
+ - [Cookie Preferences](javascript:void(0);)
+
+ © 2026 Fannie Mae 

Technology_Integration_Resources___Fannie_Mae/links/_.md/Servicing_Management_Default_Underwriter__SMDU_____wvpfq9.md

@@ -0,0 +1,311 @@
+---
+source_url: "https://singlefamily.fanniemae.com/applications-technology/servicing-management-default-underwriter-smdu"
+date_accessed: "2026-01-27T18:02:18.000Z"
+---
+
+[Skip to main content](#main-content)
+
+ > *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]*  ## FM Platform Nav
+
+ Toggle navigation  - - [Home](https://www.fanniemae.com/)
+ - [Single-Family Business](/)   Toggle  - [Originating & Underwriting](/originating-underwriting)
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+ - [Surveys & Indices](https://www.fanniemae.com/data-and-insights/surveys)   Toggle  - [National Housing Survey](https://www.fanniemae.com/data-and-insights/surveys-indices/national-housing-survey)   Toggle  - [About the National Housing Survey](https://www.fanniemae.com/data-and-insights/surveys-indices/national-housing-survey/about-national-housing-survey)
+ - [Archive](https://www.fanniemae.com/data-and-insights/surveys-indices/national-housing-survey/national-housing-survey-archive)
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+ - [Archive](https://www.fanniemae.com/data-and-insights/surveys-indices/mortgage-lender-sentiment-survey/mortgage-lender-sentiment-survey-archive)
+ - [Fannie Mae Home Price Index](https://www.fanniemae.com/data-and-insights/surveys-indices/fannie-mae-home-price-index)
+ - [Home Price Expectations Survey](https://www.fanniemae.com/data-and-insights/surveys-indices/home-price-expectations-survey-hpes)
+ - [Refinance Application-Level Index](https://www.fanniemae.com/data-and-insights/surveys-indices/refinance-application-level-index)   Toggle  - [About the Refinance Application-Level Index](https://www.fanniemae.com/data-and-insights/surveys-indices/refinance-application-level-index/about-refinance-application-level-index)
+ - [Special Topics](https://www.fanniemae.com/data-and-insights/surveys-indices/special-topics/special-topics-archive)   Toggle  - [Consumer Mortgage Understanding Survey](https://www.fanniemae.com/mortgage-understanding-study)
+ - [Special Topics Archive](https://www.fanniemae.com/data-and-insights/surveys-indices/special-topics/special-topics-archive)
+ - [Publications](https://www.fanniemae.com/data-and-insights/publications)   Toggle  - [Fannie Mae Working Papers](https://www.fanniemae.com/data-and-insights/publications/fannie-mae-working-papers)
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+ - [Archive - 2024](https://www.fanniemae.com/data-and-insights/perspectives/fannie-mae-perspectives-2024-archive)
+ - [Archive - 2023](https://www.fanniemae.com/data-and-insights/perspectives/fannie-mae-perspectives-2023-archive)
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+ - [Newsroom](https://www.fanniemae.com/newsroom)   Toggle  - [News](https://www.fanniemae.com/newsroom/fannie-mae-news)
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+ - [Risk Management](https://www.fanniemae.com/careers/our-teams/risk-management)
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+ - [Campus](https://www.fanniemae.com/careers/campus)
+ - [Contact Us](https://www.fanniemae.com/about-us/contact-us)
+ Menu  Single-Family Business
+
+ ## FM Site Nav
+
+ [Homepage  ![Fannie Mae logo](/themes/custom/particle/dist/app-drupal-sf/assets/fm_logo_rgb.png)](https://www.fanniemae.com/) - [Originating & Underwriting](/originating-underwriting)
+ - [Pricing & Execution](/pricing-execution)
+ - [Delivering](/delivering)
+ - [Servicing](/servicing)
+ - [Learning Center](/learning-center)
+ - [Apps & Technology](/applications-technology/applications-technology)
+ - [News & Events](/news-events)
+ - [Become a Partner](/become-fannie-mae-seller-or-servicer)
+ Toggle search  **  
+
+ [Login](/saml/login?destination=/)  // Function to initialize a search interface document.addEventListener('DOMContentLoaded', async function () { async function initializeSearchInterface(id, accessToken, organizationId) { const searchInterface = document.getElementById(id); if (searchInterface) { await customElements.whenDefined("atomic-search-interface"); // Initialization await searchInterface.initialize({accessToken: accessToken, organizationId: organizationId, organizationEndpoints: await searchInterface.getOrganizationEndpoints(organizationId)}); // Only need this for the guides. if (window.location.host.indexOf("guide") !== -1 || window.location.host.indexOf("credit") !== -1 || window.location.host.indexOf("fm") !== -1) { const searchBox = document.querySelector('atomic-search-interface#search-interface-search-bar atomic-search-box'); const engine = searchInterface.engine; var currentQuery = ""; function handleStateUpdate() { const state = engine.state; if (engine.state.query.q != "" && currentQuery != engine.state.query.q) { currentQuery = engine.state.query.q; var redirectUrl = searchBox.redirectionUrl + "&q=" + engine.state.query.q; searchBox.redirectionUrl = redirectUrl; } } const unsubscribe = engine.subscribe(handleStateUpdate); } } } // Initialize the first search initializeSearchInterface("search-interface-search-bar", 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc', 'fanniemae9glu2r77'); var accessToken = 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc'; var fieldName = "@clickableuri"; var fieldValue = function () {return location.href } setTimeout(function(){ coveoua("init", accessToken, "https://fanniemae9glu2r77.analytics.org.coveo.com/rest/ua"); coveoua("send", "view", { contentIdKey: fieldName, contentIdValue: fieldValue(), }); }, 3000); });  
+
+ // Get the toggle button and the search form block document.addEventListener('DOMContentLoaded', function () { var toggleButton = document.querySelector('.fm-toggle-search'); var searchFormBlock = document.querySelector('.fm-search__form-block--header'); // Add click event listener to the toggle button toggleButton.addEventListener('click', function () { searchFormBlock.classList.toggle('is-open'); }); });  atomic-search-interface#search-interface-search-bar { position: absolute; right: 1%; top: 0; padding: 8px; background: #F1F1EF; border-radius: 55px; width: 98%; z-index: 999; transform: translateY(-60px); } @media only screen and (min-width: 768px) { atomic-search-interface#search-interface-search-bar { width: 430px; right: 16px; min-width: 430px; transform: unset; } } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; 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font-weight: 400; font-size: 16px; display: block; width: 100%; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-indent: 0; padding: 12px 14px; line-height: 24px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input)::placeholder { color: #717171; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } .fm-search__form-block--header.is-open { transform: inherit; opacity: 1; display: block; } .fm-search__form-block--header { transform: translateY(-20px); transition: all 0.4s ease-in-out; opacity: 0; z-index: -1; } .fm-search__form-block--header.container { position: relative; padding: 0; max-width: 100%; } atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar.consumer atomic-search-box::part(clear-icon):hover { color: #1c6fa3; } atomic-search-interface#search-interface-search-bar.guide atomic-search-box::part(clear-button) { margin-top: -8px; margin-right: 10px; }
+
+ 
+
+ []() 
+
+ - [Home](/)
+ - Servicing Management Default Underwriter (SMDU)
+
+ Applications & Technology
+
+ # Servicing Management Default Underwriter (SMDU)
+
+ Servicing Management Default Underwriter™ (SMDU™) is an industry leading, multi-prong application used by servicers for loss mitigation evaluation and case reporting activities as well as for evaluating a borrower’s request to terminate conventional mortgage insurance. ​With a variety of business functionalities within one SMDU application, servicers benefit from operational efficiencies, saving time and money, reducing risks, and enhancing service to homeowners.
+
+- **SMDU: Loss Mitigation:** SMDU streamlines workout decisioning and case reporting to Fannie Mae, allowing you to easily make real-time workout decisions with confidence and offer the best solution to struggling homeowners. ​*Available via SMDU User Interface (UI) and/or via B2B integration to SMDU. ​*
+- **SMDU: Loss Mitigation Valuations:** SMDU simplifies the process of ordering a property’s Automated Valuation Model (AVM) estimated value and confidence score for loan modifications and Mortgage Release™ as well as ordering, managing, and retrieving the results of a loss mitigation valuation request for a Charge-off, Mortgage Release, Reserve Price Bid Instructions or Short Sale. ​ *AVM ordering available only via SMDU User Interface (UI); Valuation ordering and management available via SMDU UI and API.​​*
+- **SMDU: Borrower-Initiated Request to Terminate Mortgage Insurance:** SMDU makes it easy to evaluate borrower requests to terminate conventional mortgage insurance based on the Original Value and/or Current Value of the property.​ *Available via SMDU User Interface (UI) and APIs.*
+
+ [Launch App](https://servicing.fanniemae.com/smdu/) **
+
+ ![image](/sites/g/files/koqyhd181/files/icons/2019-10/new-user.svg)
+
+ [New User](/applications-technology/technology-manager)
+
+ ![image](/sites/g/files/koqyhd181/files/icons/2019-10/learning-center.svg)
+
+ [Help & Training](/learning-center/servicing/servicing-management-default-underwriter)
+
+ ![image](/sites/g/files/koqyhd181/files/icons/2019-10/learning-center.svg)
+
+ [SMDU UI Technology Registration Job Aid](/media/document/pdf/smdu-ui-technology-registration-job-aid)
+
+ [View Application Status](/applications-technology/technology-application-availability)
+
+ ###
+
+ - Loss Mitigation
+ - Loss Mitigation Valuations
+ - Borrower-Initiated MI Termination
+ - Release Notes
+ - Archived Release Notes
+ - Technology Terms & Conditions
+ #### Loss Mitigation Features
+
+Use SMDU to perform a variety of loss mitigation-related activities:
+
+- Evaluating a loan for retention workout and/or borrower eligibility for a Short Sale and Mortgage Release™.
+- Determining if a loan is in imminent default.
+- Reporting Trial Period Plan Payments.
+- Closing and/or canceling an active retention case.
+- Reporting a disaster payment deferral or payment deferral.
+- Creating a case to send workouts to Fannie Mae for review and approval: Payment Deferral, Modification, Short Sale, Mortgage Release, Charge Off and/or Second Lien Consideration.
+**Key Benefits**
+
+- One application for automated workout decisioning and case reporting to Fannie Mae creates operational efficiencies and reduces risks.
+- Rapid delivery of new products and policy in response to changing market conditions.
+- Eliminates manual and resource-intensive loss mitigation activities.
+- Certainty that borrower evaluation is consistent with Fannie Mae servicing policy.
+- Ability to provide homeowners with fast, accurate, and consistent decisions.
+- Offers servicers rep and warrant relief when using SMDU decision, reducing uncertainty.
+**User Guides**   
+[SMDU UI Loss Mitigation User Guide](/applications-technology/servicing-management-default-underwriter-smdu/smdu-ui-user-guide)  
+[SMDU UI Payment Deferral Options User Guide](/applications-technology/servicing-management-default-underwriter-smdu/smdu-ui-payment-deferral-options-user-guide)  
+[SMDU UI Bankruptcy Cramdown User Guide](/media/document/pdf/smdu-ui-user-guide-reporting-bankruptcy-cramdown-fannie-mae)
+
+[](/applications-technology/servicing-management-default-underwriter-smdu/smdu-ui-payment-deferral-options-user-guide)
+
+**Online Learning**  
+[SMDU Help & Training page](/learning-center/servicing/servicing-management-default-underwriter)
+
+ #### Loss Mitigation Valuations Features
+
+ Use SMDU User Interface to:
+
+ - Order and retrieve a property’s Automated Valuation Model (AVM) estimated value and confidence score for loan modifications and Mortgage Release™.
+ - Order, manage and retrieve the results of a loss mitigation valuation request for a Charge-off, Mortgage Release, Reserve Price Bid Instructions or Short Sale.
+ **Key Benefits**
+
+ - Simplified loss mitigation property valuation process.
+ - One application to order AVM estimated value as well as order, manage, and retrieve results of a loss mitigation valuation request.
+ - Access to no-cost AVM estimated value.
+ - Supports single loan and multiple loan (bulk) requests.
+ **Help & Training**  
+ [SMDU UI Loss Mitigation Valuations User Guide](/applications-technology/servicing-management-default-underwriter-smdu/smdu-ui-loss-mitigation-valuations-user-guide)
+
+ #### Borrower-Initiated Mortgage Insurance Termination Features
+
+ The mortgage insurance (MI) termination tool within SMDU™ makes it easier to evaluate borrower requests to terminate conventional MI based on the Original Value and/or Current Value of the property.
+
+ **Key Benefits**
+
+ - Automated evaluation and decisioning ensures compliance with Fannie Mae policy.
+ - Access to no-cost Automated Valuation Model (AVM) estimated value of the property and/or standardized pricing for BPO/appraisal.
+ - Simpler evaluation process and lower costs for a better borrower experience.
+ - Offers servicers limited liability relief when using SMDU™ decisioning.
+ **How it works**
+
+ - Borrower requests MI termination based on the Original or Current Value of the property (with or without substantial improvements).
+ - SMDU automatically provides data required for an evaluation.
+ - SMDU applies a no-cost AVM to evaluate for Original Value. For Current Value or when an AVM can’t be used, servicer orders a BPO/appraisal.
+ - When SMDU has the property value, it evaluates the loan and supplies a real-time decision.
+ - Servicer retrieves invoice for completed valuation from Fannie Mae invoicing (when applicable).
+ **Help & Training**  
+ [Borrower-Initiated Request for MI Termination Servicer User Guide](/applications-technology/servicing-management-default-underwriter-smdu/borrower-initiated-request-mi-termination-user-guide)  
+ [Borrower-Initiated MI Termination Requests Using SMDU FAQs](/media/document/pdf/borrower-initiated-mi-termination-requests-using-smdu-faqs)
+
+ []()Use your SMDU UI credentials to access the release notes.
+
+**Loss Mitigation/Loss Mitigation Valuations**
+
+- [SMDU Release V. 2025.10 | October 10, 2025](/media/document/pdf/smdu-release-v-202510-october-17-2025)
+- [SMDU Release V. 2025.9 | September 18, 2025](/media/document/pdf/smdu-release-v-20259-september-18-2025)
+- [SMDU Release V. 2025.8 | August 22, 2025](/media/document/pdf/smdu-release-v-20258-august-22-2025)
+- [SMDU Release V. 2025.7 | July 18, 2025](/media/document/pdf/smdu-release-v-20257-july-18-2025)
+- [SMDU Release V. 2025.6 | June 20, 2025](/media/document/pdf/smdu-release-v-20256-june-20-2025)
+- [SMDU Release V. 2025.5 | May 16, 2025](/media/document/pdf/smdu-release-v-20255-may-16-2025)
+- [SMDU Release V. 2025.4 | April 18, 2025](/media/document/pdf/smdu-release-v-20254-april-18-2025)
+- [SMDU Release V. 2025.3 | March 21, 2025](/media/document/pdf/smdu-release-v-20253-march-21-2025)
+[View All](https://singlefamily.fanniemae.com/search#q=SMDU%20release%20notes&sort=date%20descending&f:@tags=[single%20family,smdu]&f:@fmcontenttype=[ReleaseNotes])
+
+ []()Use your SMDU UI credentials to access the release notes.
+
+**Borrower-initiated MI Termination**
+
+- [SMDU MIT Release V. 2024.5 | May 17, 2024](/media/document/pdf/smdu-mi-termination-20245-release-notes)
+**Loss Mitigation/Loss Mitigation Valuations**
+
+- [SMDU Updates to Determining Flex Mod Terms | November 25, 2024](/media/document/pdf/smdu-updates-determining-flex-mod-terms-november-25-2024)
+- [SMDU Release V. 2024.11 | November 15, 2024](/media/document/pdf/smdu-release-v-202411-november-15-2024)
+- [SMDU Release V. 2024.6 | June 21, 2024](/media/document/pdf/smdu-release-v-20246-june-21-2024)
+- [SMDU Release V. 2024.2 | February 16, 2024](/media/document/pdf/smdu-release-v-20242-february-16-2024)
+[View All](https://singlefamily.fanniemae.com/search#q=SMDU%20release%20notes&sort=date%20descending&f:@tags=[single%20family,smdu]&f:@fmcontenttype=[ReleaseNotes])
+
+ The Technology Terms and Conditions previously provided on this page are now located in the new Consolidated Technology Guide. A PDF version of the Guide and other related content is available on the [Consolidated Technology Guide page](https://www.fanniemae.com/tech-guide).
+
+ > ### 
+
+ With SMDU, we are able to absorb policy changes immediately. We’ve seen an increase in approvals – about twice the pre-SMDU rate – especially for solutions that let homeowners stay in their homes.
+
+ # help
+
+ campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } });
+
+ 
+
+ ![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg)
+
+ ### Have questions?
+
+ Get answers to your policy and guide questions, straight from the source.
+
+ [Get Started **](/applications-technology/ask-poli)
+
+ ###### Work with Fannie Mae
+
+ - [Customer Login](/saml/login)
+ - [Password Reset](https://passwordreset.fanniemae.com/)
+ - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer)
+
+ ###### Products & Solutions
+
+ - [Mortgage Products & Options](/originating-underwriting/mortgage-products)
+ - [Technology Apps & Solutions](/applications-technology/applications-technology)
+
+ ###### Support & Resources
+
+ - [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts)
+ - [Guide Forms](/selling-servicing-guide-forms)
+ - [Learning Center](/learning-center)
+ - [News & Events](/news-events)
+ - [Report mortgage fraud](/mortgage-fraud-prevention)
+
+ ###### Other Sites
+
+ - [Fannie Mae's Consumer Website](https://www.fanniemae.com/)
+ - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/homeownership/duty-serve)
+ - [HomePath](https://www.homepath.com/)
+
+ .login-block.menu-open .user-logout { position: inherit !important; float: left; margin-right: 5px; }
+
+ jQuery(document).ready(function () { jQuery('a[href^="#"]:not(.hv-tabbed-content a)').on('click', function (e) { e.preventDefault(); const targetSelector = jQuery(this).attr('href'); const targetEl = jQuery(targetSelector); if (targetEl.length) { jQuery('html, body').animate( { scrollTop: targetEl.offset().top - 50, }, 500, function () { targetEl.attr('tabindex', '-1').focus(); } ); } }); });
+
+ ## Social media
+
+ - [LinkedIn](https://www.linkedin.com/company/fannie-mae-corporation_19722)
+ - [Facebook](https://www.facebook.com/fanniemae)
+ - [Instagram](https://instagram.com/officialfanniemae)
+ - [X (formerly Twitter)](https://twitter.com/FannieMae)
+
+ ## Footer menu
+
+ - [Suppliers](https://www.fanniemae.com/portal/suppliers/index.html)
+ - [Careers](https://careers.fanniemae.com/main)
+ - [Contact Us](https://www.fanniemae.com/portal/about-fm/sf-mf-contacts.html)
+ - [Legal](https://www.fanniemae.com/about-us/legal-disclosure)
+ - [Privacy](https://www.fanniemae.com/about-us/corporate-governance/online-privacy-notice)
+ - [Cookie Preferences](javascript:void(0);)
+
+ © 2026 Fannie Mae 

Technology_Integration_Resources___Fannie_Mae/links/_.md/Technology_Integration_Resources___Fannie_Mae.md

@@ -0,0 +1,385 @@
+---
+title: "Technology Integration Resources | Fannie Mae"
+source_url: "https://singlefamily.fanniemae.com/technology-integration/technology-integration-resources"
+date_accessed: "2026-01-27T18:02:16.915Z"
+selector: ".layout.masthead-custom.js-layout-exists.rag-highlight-border"
+parent_folder: "APPRAISAL_DATASET"
+capture_name: "Technology_Integration_Resources___Fannie_Mae"
+---
+
+### Products
+
+ Browse our list of technical integration resources to learn more about how to stay current, compliant, and future-forward.
+
+ ### 
+
+ Collateral Underwriter
+
+ ##### Release Notes
+
+ - [CU V. 5.4 Release Notes | April 19, 2022](https://singlefamily.fanniemae.com/media/document/pdf/cu-v-54-release-notes-april-19-2022)
+ - [CU V. 5.3 Release Notes | Feb. 11, 2022](https://singlefamily.fanniemae.com/media/document/pdf/cu-v-53-release-notes-feb-11-2022)
+
+ Desktop Underwriter
+
+ ##### Release Notes
+
+ - [DU for Government Loans Release | Jan. 24, 2026](/media/document/pdf/du-government-loans-release-jan-24-2026)
+- [DU for Government Loans Release | Nov. 15, 2025](/media/document/pdf/du-government-loans-release-nov-15-2025)
+- [DU V. 12.0 Release | Nov. 15, 2025](/media/document/pdf/du-v-120-release-nov-15-2025)
+- [DU V. 12.0 Release | Sept. 27, 2025](/media/document/pdf/du-v-120-release-sept-27-2025)
+- [DU V. 12.0 Release | July 19, 2025](/media/document/pdf/du-v-120-release-july-19-2025)
+- [DU V. 12.0 Release | May 17, 2025](/media/document/pdf/du-v-120-release-may-17-2025)
+- [DU for Government Loans Release | Jan. 25, 2025](/media/document/pdf/du-government-loans-release-jan-25-2025)
+- [DU V. 12.0 Release | Jan. 11, 2025](/media/document/pdf/du-v-120-release-january-11-2025)
+- [DU V. 11.1 Release | August 17, 2024](/media/document/pdf/du-v-111-release-august-17-2024)
+- [DU V. 11.1 Release | July 20, 2024](/media/document/pdf/du-v-111-release-july-20-2024)
+- [DU for Government Loans Release | Jan. 20, 2024](/media/document/pdf/du-government-loans-release-jan-20-2024)
+- [DU V. 11. 1 Release | Feb. 10, 2024](/media/document/pdf/du-v-111-release-feb-10-2024)
+- [DU V. 11.1 Release I Nov. 18, 2023](/media/document/pdf/du-v-111-release-nov18-2023)
+- [DU V. 11.1 Release I Aug. 19, 2023](/media/document/pdf/du-v-111-release-aug-19-2023)
+- [DU V. 11.1 Release | April 15, 2023](/media/document/pdf/du-v-111-release-april-15-2023)
+- [DU for Government Loans Release | Apr. 15, 2023](/media/document/pdf/du-government-loans-release-apr-15-2023)
+- [DU V. 11.1 Release | Feb. 25, 2023](/media/document/pdf/du-v-111-release-february-25-2023)
+- [DU for Government Loans Release | Jan. 21, 2023](https://singlefamily.fanniemae.com/media/document/pdf/du-government-loans-release-jan-21-2023)
+- [DU for Government Loans Release | Nov. 19, 2022](/media/document/pdf/du-government-loan-release-nov-19-2022)
+- [DU Validation Service April Release Notes | April 17, 2021](/media/document/pdf/desktop-underwriter-validation-service-april-release-notes-april-17-2021)
+
+ ##### Data Standards File Formats Specification
+
+ - [DU Specification](/media/document/xlsx/du-specification)
+ - [Fannie Mae DU Schemas](/media/document/zip/fannie-mae-du-schemas)
+
+ ##### Data Standards Supporting Resources
+
+ - [DU Implementation Guide](https://singlefamily.fanniemae.com/media/document/pdf/du-implementation-guide)
+ - [Frequently Asked Questions for the DU Spec](/media/document/pdf/frequently-asked-questions-du-spec)
+ - [Overview: Desktop Underwriter Specification for the Uniform Residential Loan Application (URLA)](/media/document/pdf/overview-du-specification)
+ - [ULAD Data Relationships Using Xlink and MISMO Arcroles](/media/document/pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles)
+ - [DU Findings Report General Specifications](/media/document/pdf/du-findings-report-general-specifications)
+ - [DU Error Codes](/media/document/xlsx/du-error-codes)
+ - [Credit Provider Name and Code Update Information](/media/document/xlsx/credit-provider-name-and-code-update-information)
+ - [DO/DU ARM Plan Numbers](/media/document/xls/dodu-arm-plan-numbers)
+ - [FHA County Names (.txt)](/media/document/txt/fha-county-names-txt)
+ - [FHA County Names (.xls)](/media/document/xls/fha-county-names-xls)
+
+ ##### Integration Impact Memos
+
+ - [DU for Government Loans Integration Impact Memo | Jan. 24, 2026](/media/document/pdf/du-government-loans-integration-impact-memo-jan-24-2026)
+- [DU V. 12.0 Integration Impact Memo | Nov. 15, 2025](/media/document/pdf/du-v-120-integration-impact-memo-nov-15-2025)
+- [XIS DNS/IP Address Update Integration Impact Memo | Sept. 17, 2025](/media/document/pdf/xis-dnsip-address-update-integration-impact-memo-sept-17-2025)
+- [DU/DO and Income Calculator Integration Impact Memo | August 20, 2025](/media/document/pdf/du-v-120-integration-impact-memo-aug-20-2025)
+- [DU V. 12.0 Integration Impact Memo | Sept. 27, 2025](/media/document/pdf/du-v-120-integration-impact-memo-sept-27-2025)
+- [DU V. 12.0 Integration Impact Memo | July 19, 2025](/media/document/pdf/du-v-120-integration-impact-memo-july-19-2025)
+- [Credit Service Integration Impact Memo | April 30, 2025](/media/document/pdf/credit-service-integration-impact-memo-april-30-2025)
+- [DU/DO Integration Impact Memo | June 19, 2025](/media/document/pdf/dudo-integration-impact-memo-june-19-2025)
+- [DU V. 12.0 Integration Impact Memo | May 17, 2025](/media/document/pdf/du-v-120-integration-impact-memo-may-17-2025)
+- [DU/DO Integration Impact Memo | Mar. 22, 2025](https://singlefamily.fanniemae.com/media/document/pdf/dudo-integration-impact-memo-mar-22-2025)
+- [DU/DO Integration Impact Memo | Mar. 15, 2025](/media/document/pdf/dudo-integration-impact-memo-mar-15-2025)
+- [DU for Government Loans Integration Impact Memo | Jan. 25, 2025](/media/document/pdf/du-government-loans-integration-impact-memo-jan-25-2025)
+- [DU V. 12.0 Integration Impact Memo | Jan. 11, 2025](/media/document/pdf/du-v-120-integration-impact-memo-jan-11-2025)
+- [DU V. 11.1 Integration Impact Memo | July 20, 2024](/media/document/pdf/du-v-111-integration-impact-memo-july-20-2024a)
+- [DU Spec V. 1.9 Integration Impact Memo | May 28, 2024](/media/document/pdf/du-spec-v-19-integration-impact-memo-may-28-2024)
+- [Data Validation Update Integration Impact Memo | July 20, 2024](/media/document/pdf/du-v-111-integration-impact-memo-july-20-2024)
+- [DU V. 11.1 Integration Impact Memo | April 20, 2024](/media/document/pdf/du-v-111-integration-impact-memo-april-20-2024)
+- [DU V. 11.1 Integration Impact Memo | Feb. 10, 2024](/media/document/pdf/du-v-111-integration-impact-memo-feb-10-2024)
+- [DU V. 11.1 Integration Impact Memo I Nov. 18, 2023](/media/document/pdf/du-v-111-integration-impact-memo-nov-18-2023)
+- [DU V. 11.1 Integration Impact Memo I Aug. 19, 2023](/media/document/pdf/du-v-111-integration-impact-memo-aug-19-2023)
+- [DU V. 11.1 Integration Impact Memo | April 15, 2023](/media/document/pdf/du-v-111-integration-impact-memo-april-15-2023)
+- [DU for Government Loans Integration Impact Memo | Apr. 15, 2023](/media/document/pdf/du-government-loans-integration-impact-memo-apr-15-2023)
+- [DU V. 11.1 Integration Impact Memo | Feb. 25, 2023](/media/document/pdf/du-v-111-integration-impact-memo-february-25-2023)
+- [DU for Government Loans Integration Impact Memo | Nov. 19, 2022](/media/document/pdf/du-government-loans-integration-impact-memo-nov-19-2022)
+- [DU for Government Loans Integration Impact Memo | June 11, 2022](/media/document/pdf/du-government-loans-integration-impact-memo-june-11-2022)
+- [DU Spec V. 1.8.2 Update Integration Impact Memo | July 1, 2021](/media/document/pdf/du-spec-v-182-update-integration-impact-memo-july-1-2021)
+
+ ##### Release Test Cases
+
+ - [DU V.12.0 September 2025 Release Test Cases](/media/document/zip/du-v120-september-2025-release-test-cases)
+- [DU V.12.0 May 2025 Release DU Message Test Cases related to Income Calculator](/media/document/zip/du-v120-may-2025-release-du-message-test-cases-related-income-calculator)
+- [DU V.12.0 May 2025 Release Test Cases](/media/document/zip/du-v120-may-2025-release-test-cases)
+- [DO Cloud Migration Test Cases](/media/document/zip/do-cloud-migration-test-cases)
+- [DU V.12.0 January 2025 Release Test Cases](/media/document/zip/du-v120-january-2025-release-test-cases)
+- [DU V.11.1 July 2024 Release Test Cases](/media/document/zip/du-v111-july-2024-release-test-cases)
+- [Data Validation Update Release Test Cases](/media/document/zip/data-validation-update-release-test-cases-archived)
+- [DU V.11.1 April 2024 Release Test Case](/media/document/zip/du-v111-april-2024-release-test-case)
+- [DU V.11.1 February 2024 Release Test Cases](/media/document/zip/du-v111-february-2024-release-test-cases)
+- [2024 Loan Limits Test Cases](/media/document/zip/2024-loan-limits-test-cases)
+- [DU V.11.1 November 2023 Release Test Cases](/media/document/zip/du-v111-november-2023-release-test-cases)
+- [DU V.11.1 August 2023 Release Test Cases](/media/document/zip/du-v111-august-2023-release-test-cases)
+- [DU V.11.1 April 2023 Release Test Cases](/media/document/zip/du-111-april-2023-release-changes)
+- [DU V.11.1 January 2023 Release Test Cases](/media/document/zip/du-111-january-2023-release-changes)
+
+ ##### Integration Test Cases
+
+ - [DU Specification Test Case Suite](/media/document/zip/du-specification-test-case-suite)
+ - [Test Credit Report Procedures](/media/document/pdf/test-credit-report-procedures)
+ - [Test Credit Report Characteristics](/media/document/pdf/test-credit-report-characteristics)
+
+ ##### Desktop Underwriter Technology Service Provider List
+
+ - [Vendors Approved to Support Redesigned Form 1003/DU Spec](/integrated-vendor-list)
+
+ Developer Portal
+
+ ##### Release Notes
+
+ - [Developer Portal Releases](https://developer.fanniemae.com/#/get-started/release-notes)
+
+ DU Validation Service
+
+ ##### Integration Impact Memos
+
+ - [DU/DO Integration Impact Memo | Mar. 22, 2025](https://singlefamily.fanniemae.com/media/document/pdf/dudo-integration-impact-memo-mar-22-2025)
+- [DU Validation Service Integration Impact Memo | February 2025](/media/document/pdf/du-validation-service-integration-impact-memo-february-2025)
+- [DU Validation Service Integration Impact Memo | August 2024](/media/document/pdf/du-validation-service-integration-impact-memo-august-2024)
+- [DU Validation Service Integration Impact Memo | March 2024](/media/document/pdf/du-validation-service-integration-impact-memo-march-2024)
+- [DU Validation Service Integration Impact Memo | February 2023](https://singlefamily.fanniemae.com/media/document/pdf/du-validation-service-integration-impact-memo-february-2023)
+- [DU Validation Service Integration Impact Memo | April 2021](/media/document/pdf/du-validation-service-integration-impact-memo-april-2021)
+- [DU Validation Service Integration Impact Memo | November 2020](/media/document/pdf/du-validation-service-integration-impact-memo-november-2020)
+
+ ##### Release Notes
+
+ - [DU Validation Service October Release Notes | Oct. 25, 2025](/media/document/pdf/du-validation-service-october-release-notes-oct-25-2025)
+- [DU Validation Service April Release Notes | April 4, 2025](https://singlefamily.fanniemae.com/media/document/pdf/du-validation-service-march-release-notes-march-15-2025)
+- [DU Validation Service September Release Notes | Sept. 20, 2024](/media/document/pdf/du-validation-service-september-release-notes-sept-20-2024)
+- [DU Validation Service August Release Notes | August 17, 2024](/media/document/pdf/du-validation-service-august-release-notes-august-17-2024)
+- [DU Validation Service March Release Notes | March 6, 2024](/media/document/pdf/du-validation-service-march-release-notes-march-6-2024)
+- [DU Validation Service April Release Notes | April 17, 2021](/media/document/pdf/desktop-underwriter-validation-service-april-release-notes-april-17-2021)
+- [DU Validation Service November Release Notes | Nov. 2, 2020](/media/document/pdf/du-validation-service-november-release-notes-nov-2-2020)
+
+ ##### DU validation service verification report vendors & approved vendor tools
+
+ - [DU Validation Service Verification Report Vendors & Approved Vendor Tools](/applications-technology/desktop-underwriter-validation-service/du-validation-service-verification-report-vendors)
+
+ EarlyCheck
+
+ ##### Integration Impact Memos
+
+ - [XIS DNS/IP Address Update Integration Impact Memo | Sept. 17, 2025](/media/document/pdf/xis-dnsip-address-update-integration-impact-memo-sept-17-2025)
+- [EarlyCheck Enhancements Overview | August 8, 2022](/media/document/pdf/earlycheck-enhancements-overview)
+
+ ##### Release Notes
+
+ - [2024 EarlyCheck Release Notes](/media/document/pdf/earlycheck-release-notes-2024)
+- [2023 EarlyCheck Release Notes](/media/document/pdf/earlycheck-release-notes-2023)
+
+ ##### Data Standards File Format Specification (Loan Application)
+
+ - [DU Specification](/media/document/xlsx/du-specification)
+
+ ##### Data Standards File Format Specification (Loan Delivery)
+
+ - [ULDD Specification (Excel)](/media/document/xlsx/uldd-specification-appendix-d)
+ - [ULDD Specification (PDF)](/media/document/pdf/uldd-implementation-guide-appendix-a)
+
+ ##### Test Cases (Loan Application)
+
+ - [DU Specification Test Case Suite](/media/document/zip/du-specification-test-case-suite)
+
+ ##### Test Cases (Loan Delivery)
+
+ - [ULDD Phase 3 Integration Test Cases](https://singlefamily.fanniemae.com/learning-center/delivering/uniform-loan-delivery-dataset-uldd/appendix-c-xml-samples?utm_source=sfmc&utm_medium=email&utm_campaign=10965074&utm_term=5132820&utm_content=43147116&sfmc_id=1130701499)
+
+ Loan Servicing Data Utility (LSDU)
+
+ ##### Release Notes
+
+ - [Master Servicing Release | July 30, 2020](https://singlefamily.fanniemae.com/media/document/pdf/master-servicing-release-notes-july-30-2020?_ga=2.56952238.580392857.1611582294-1622733362.1578343793)
+ - [Master Servicing release notes](https://fm.fanniemae.com/lsdu/pdf/master-servicing-payment-deferral-release-notes.pdf)
+ - [3.2 release notes](https://fm.fanniemae.com/lsdu/pdf/lsdu-release-notes-3-2.pdf)
+ - [3.0 release notes](https://fm.fanniemae.com/lsdu/pdf/lsdu-release-notes-3-0.pdf)
+ - [2.2 release notes](https://fm.fanniemae.com/lsdu/pdf/lsdu-release-notes-2-2.pdf)
+ - [2.1 release notes](https://fm.fanniemae.com/lsdu/pdf/lsdu-release-notes-2-1.pdf)
+ - [2.0 release notes](https://fm.fanniemae.com/lsdu/pdf/lsdu-release-notes-2-0.pdf)
+
+ Pricing and Execution – Whole Loan (PE-Whole Loan)
+
+ ##### Integration Impact Memos
+
+ - [PE - Whole Loan Integration Impact Memo | May 1, 2023](/media/document/pdf/pe-whole-loan-integration-impact-memo-may-1-2023)
+ - [PE - Whole Loan Integration Impact Memo | Sept. 29, 2022](/media/document/pdf/pe-whole-loan-integration-impact-memo-sept-29-2022)
+ - [PE - Whole Loan Integration Impact Memo | Aug. 15, 2022](/media/document/pdf/pe-whole-loan-integration-impact-memo-aug-15-2022)
+ - [PE - Whole Loan Integration Impact Memo | July 29, 2022](/media/document/pdf/pe-whole-loan-integration-impact-memo-july-29-2022)
+ - [PE - Whole Loan Integration Impact Memo | Aug. 19 , 2021](/media/document/pdf/pe-whole-loan-integration-impact-memo-aug-19-2021)
+ - [PE - Whole Loan Integration Impact Memo | Jan. 5, 2021](https://singlefamily.fanniemae.com/media/document/pdf/pe-whole-loan-integration-impact-memo-jan-5-2020)
+ - [PE - Whole Loan Integration Impact Memo | Dec. 31, 2020](/media/document/pdf/pe-whole-loan-integration-impact-memo-dec-31-2020)
+
+ ##### Integration Test Cases
+
+ - [PE-WL Browse Price Suggested Test Cases](/media/document/xlsx/pe-wl-browse-price-suggested-test-cases)
+ - [PE-WL Commitment Suggested Test Cases](/media/document/xlsx/pe-wl-commitment-suggested-test-cases)
+ - [PE-WL Manage Commitment Suggested Test Cases](/media/document/xlsx/pe-wl-manage-commitment-suggested-test-cases)
+
+ ##### Pricing & Execution – Whole Loan Technology Service Providers List
+
+ - [Pricing & Execution – Whole Loan Technology Service Providers List](/integrated-vendor-list)
+
+ Servicing Management Default Underwriter (SMDU)
+
+ ##### Data Standards Supporting Resources
+
+ - [SMDU Case Management Guide](/media/document/pdf/smdu-case-management-guide)
+ - [SMDU Auto Decisioning Guide](/media/document/pdf/smdu-auto-decisioning-guide)
+ - [SMDU Message File Instructions](/media/document/xlsx/smdu-message-file-instructions)
+ - [SMDU Connectivity and Request Specification](/media/document/pdf/smdu-connectivity-and-request-specification)
+
+ ##### Integration Impact Memos
+
+ - [SMDU Release 7.72 Impact Memo](/media/document/pdf/smdu-release-772-impact-memo)
+ - [SMDU Release 7.70 Impact Memo](/media/document/pdf/smdu-release-770-impact-memo)
+ - [SMDU Release 7.69 Impact Memo](/media/document/pdf/smdu-release-769-impact-memo)
+ - [SMDU Release 7.68 Impact Memo](/media/document/pdf/smdu-release-768-impact-memo)
+ - [SMDU Release 7.67 Impact Memo](/media/document/pdf/smdu-release-767-impact-memo)
+ - [SMDU Release 7.66 Impact Memo](/media/document/pdf/smdu-release-766-impact-memo)
+
+ ##### Release Notes
+
+ - [Servicing Management Default Underwriter (SMDU)](https://singlefamily.fanniemae.com/applications-technology/servicing-management-default-underwriter-smdu)
+
+ ##### Test Cases
+
+ - [SMDU 7.72 Test Cases](/media/document/xlsx/smdu-772-test-cases)
+ - [Test Environment Calendar](/media/document/xlsx/test-environment-calendar)
+
+ Technology Manager
+
+ ##### Release Notes
+
+ - [Technology Manager Release | March 11, 2024](/media/document/pdf/technology-manager-release-march-11-2024)
+ - [Technology Manager Release | June 8, 2023](/media/document/pdf/technology-manager-release-june-8-2023)
+ - [Technology Manager Release | May 5, 2023](/media/document/pdf/technology-manager-release-may-5-2023)
+ - [Technology Manager Release | Sept. 30, 2021](/media/document/pdf/technology-manager-release-sept-30-2021)
+ - [Technology Manager Release | Nov. 20, 2020](/media/document/pdf/technology-manager-release-november-4-2020)
+ - [Technology Manager Release | Aug. 6, 2020](/media/document/pdf/technology-manager-release-august-6-2020)
+ - [Technology Manager Release | May 1, 2020](/media/document/pdf/technology-manager-release-may-1-2020)
+ - [Technology Manager Release | Oct. 21, 2019](/media/document/pdf/technology-manager-release-oct-21-2019)
+
+ Uniform Appraisal Dataset (UAD) Compliance API (UCA)
+
+ ##### Announcements
+
+ - [May 2025 – Completion Rules Notification](/media/document/pdf/completion-report-uad-36-compliance-rules-available-uad-compliance-api)
+- [March 2025 – Update Rules Notification](/media/document/pdf/appraisal-update-report-uad-36-compliance-rules)
+- [December 2024 – URAR Rollout](/media/document/pdf/uad-compliance-api-uad-36-urar-available-announcement-dec-2024)
+- [March 2024 - Introducing the Compliance API](/media/document/pdf/uad-compliance-api-early-access)
+- [Compliance API Product Factsheet](/media/document/pdf/compliance-api-product-factsheet)
+
+ ##### Test Cases
+
+ - [URAR: No UAD Findings](/media/document/xml/sf1appraisalv1-no-uad-findings)
+- [URAR: UAD Findings](/media/document/xml/sf1appraisalv2-uad-findings-response)
+- [Appraisal Update: No UAD Findings](/media/document/xml/au1appraisalupdateno-findings)
+- [Appraisal Update: UAD Findings](/media/document/xml/au1appraisalupdateuad-findings)
+- [Completion Report: No UAD Findings](/media/document/xml/cr1completionreportno-findings)
+- [Completion Report: UAD Findings](/media/document/xml/cr1completionreportuad-findings)
+
+ Uniform Closing Dataset (UCD)
+
+ ##### Integration Impact Memos
+
+ - [UCD Spec and Schema Changes | July 7, 2025](/media/document/pdf/ucd-spec-and-schema-changes-july-7-2025)
+- [UCD Collection Solution Maintenance Window Change Integration Impact Memo | Oct. 5, 2023](/media/document/pdf/ucd-collection-solution-maintenance-window-change-integration-impact-memo)
+- [Quick Guide for UCD Enhancements | Oct. 12, 2022](/media/document/pdf/quick-guide-ucd-enhancements-oct-12-2022)
+- [UCD B2B Gateway Cloud Migration Integration Impact Memo | July 13, 2022](/media/document/pdf/ucd-b2b-gateway-cloud-migration-integration-impact-memo-july-13-2022)
+- [UCD Critical Edits Updates – Phases 1 and 2 | Dec. 2, 2021](/media/document/pdf/ucd-critical-edits-updates-phases-1-and-2-dec-2-2021)
+
+ ##### Release Notes
+
+ - [2025 UCD Release Notes](/media/document/pdf/2025-ucd-release-notes)
+- [2024 UCD Release Notes](https://singlefamily.fanniemae.com/media/document/pdf/2024-ucd-release-notes)
+- [2023 UCD Release Notes](https://singlefamily.fanniemae.com/media/document/pdf/2023-ucd-release-notes)
+- [2022 UCD Release Notes](https://singlefamily.fanniemae.com/media/30371/display)
+- [2021 UCD Release Notes](https://singlefamily.fanniemae.com/media/25901/display)
+- [2020 UCD Release Notes](/media/document/pdf/2020-ucd-release-notes)
+- [2019 UCD Release Notes](/media/document/pdf/2019-ucd-release-notes)
+
+ ##### Test Cases
+
+ - [UCD Integration Test Cases](/media/document/zip/appendix-g-ucd-sample-xml-files-zip)
+- [UCD Test Environment](/external-resource/ucd-test-environment)
+- [UCD Collection Solution Test Environment Overview](/media/document/pdf/ucd-cs-test-environment-overview)
+
+ ##### Frequently Asked Questions
+
+ - [UCD](/delivering/uniform-mortgage-data-program/uniform-closing-dataset/faqs-uniform-closing-dataset)
+ - [UCD Collection Solution](/learning-center/delivering/uniform-closing-dataset-ucd-collection-solution/faqs-ucd-collection-solution)
+
+ ##### UCD Technology Service Providers List
+
+ - [UCD Technology Service Providers List](/integrated-vendor-list)
+
+ ##### UCD Specification
+
+ **Version 2.0 Spec**
+
+- [UCD v2.0 Specification](https://singlefamily.fanniemae.com/media/document/xlsx/ucd-v20-specification) **(Updated Dec. 15)**
+- [UCD v2.0 Quick Start Guide](https://singlefamily.fanniemae.com/media/document/pdf/ucd-v20-quick-start-guide)**(Updated Dec. 15)**
+- [UCD v2.0 Production Schema](/media/document/zip/ucd-v20-production-schema)
+- [UCD v2.0 Readiness Checklist – Lenders](/media/document/pdf/ucd-v20-readiness-checklist-lenders)
+- [UCD v2.0 Readiness Checklist – Direct Integrators](/media/document/pdf/ucd-readiness-checklist-direct-integrators)
+- [UCD v2.0 Implementation Guide](/media/document/pdf/ucd-v20-implementation-guide)
+- [UCD v2.0 Critical Edits Matrix](/media/document/xlsx/ucd-v20-critical-edits-matrix) **(Updated Dec. 15)**
+- [UCD v2.0 Sample CDs](/media/document/zip/ucd-v20-sample-cds)
+- [UCD v2.0 Sample XML Files](/media/document/zip/ucd-v20-sample-xml-files)
+- [UCD v2.0 Development Subschema](/media/document/zip/ucd-v20-development-subschema)
+- [Numbered Closing Disclosure](/media/document/pdf/ucd-numbered-closing-disclosure)
+**Version 1.5 Spec**
+
+- [UCD v1.5 Specification](https://singlefamily.fanniemae.com/media/document/xlsm/appendix-i-ucd-delivery-specification-v15-xlsm)
+- [UCD v1.5 Implementation Guide](https://singlefamily.fanniemae.com/media/document/pdf/appendix-e-ucd-implementation-guide-v14)
+- [UCD v1.5 Critical Edits Matrix](/media/document/xlsx/uniform-closing-dataset-critical-edits-matrix) **(Updated Dec. 15)**
+- [UCD v1.5 Sample CDs](/media/document/zip/appendix-f-ucd-sample-use-cases-zip)
+- [UCD v1.5 Sample XML Files](https://singlefamily.fanniemae.com/media/document/zip/appendix-g-ucd-sample-xml-files-zip)
+- [UCD v1.5 Specification Update Impact Memo | Dec. 20, 2022](https://singlefamily.fanniemae.com/media/document/pdf/ucd-specification-update-impact-memo)
+
+ Uniform Collateral Data Portal (UCDP)
+
+ ##### Direct Integration Supporting Resources
+
+ - [UCDP Technical Integration Guide for UAD 3.6](/media/document/pdf/ucdp-technical-integration-guide-uad-36)
+- [UCDP Technical Integration Guide for UAD 2.6](/media/document/pdf/ucdp-technical-integration-guide-uad-26)
+
+ ##### Submission Summary Report (SSR) Resources
+
+ - [SSR JSON Data Dictionary](/media/document/xlsx/ssr-json-data-dictionary) - Contains information about the data elements in the JSON and PDF versions of the SSR. Users of the JSON version of the SSR can use this as a supplement to the SSR Guide for UAD 3.6 as it provides more technical information (i.e., data element name, conditionality, data type, etc.).
+- [SSR JSON Schema v 1.0](/media/document/zip/ssr-json-schema) - Contains the JSON Schema for the UAD 3.6 SSR that can be used to describe and validate the structure and content of the SSR JSON data.
+- [SSR Guide for UAD 3.6](/media/document/pdf/ssr-guide-uad-36)
+
+ ##### Release Notes
+
+ - [UCDP Change Notification | April 9, 2020](/media/document/pdf/ucdp-change-notification-april-9-2020)
+ - [UCDP Change Notification | August 20, 2020](/media/document/pdf/ucdp-change-notification-august-20-2019)
+ - [UCDP Change Notification | July 14, 2018](/media/document/pdf/ucdp-change-notification-july-14-2018)
+
+ Uniform Loan Delivery Dataset (ULDD)
+
+ ##### Data Standards File Formats Specification
+
+ - [ULDD Specification (Excel)](/media/document/xlsx/uldd-specification-appendix-d)
+
+ ##### Data Standards Supporting Resources
+
+ - [MISMO V. 3.0 and ULDD Specification (ULDDS) User Guide](/media/document/pdf/mismo-v-30-and-uldd-specification-uldds-user-guide)
+- [MISMO V. 3.0 Reference Model with GSE Extensions (.zip)](/media/document/zip/mismo-v-30-reference-model-gse-extensions-zip-appendix-e)
+- [ULDD Implementation Guide](/media/document/pdf/uldd-implementation-guide)
+- [Standard ARM Plan Matrix](/media/document/pdf/standard-arm-plan-matrix)
+- [Special Feature Codes](/media/document/pdf/special-feature-codes)
+- [Wire Instruction Reference Identifier Guide (TSPs)](/media/document/pdf/wire-instruction-reference-identifier-guide-tsps)
+
+ ##### Integration Impact Memos
+
+ - [ULDD Integration Impact Memo | Nov. 18, 2024](/media/document/pdf/uldd-integration-impact-memo-nov-18-2024)
+ - [ULDD Integration Impact Memo | Jan. 31, 2024](/media/document/pdf/uldd-integration-impact-memo-jan-31-2024)
+ - [ULDD Integration Impact Memo | Dec. 15, 2023](/media/document/pdf/uldd-integration-impact-memo-dec-15-2023)
+
+ ##### Release Notes
+
+ - [2025 Loan Delivery Release Notes](/media/document/pdf/2025-loan-delivery-release-notes-printable-version)
+- [2024 Loan Delivery Release Notes](/media/document/pdf/2024-loan-delivery-release-notes-printable-version)
+- [2023 Loan Delivery Release Notes](/media/document/pdf/2023-loan-delivery-release-notes-printable-version)
+
+ ##### Integration Test Cases
+
+ - [ULDD Phase 3 Integration Test Cases](https://singlefamily.fanniemae.com/learning-center/delivering/uniform-loan-delivery-dataset-uldd/appendix-c-xml-samples?utm_source=sfmc&utm_medium=email&utm_campaign=10965074&utm_term=5132820&utm_content=43147116&sfmc_id=1130701499)
+
+

Technology_Integration_Resources___Fannie_Mae/links/_/au1appraisalupdateno-findings

@@ -0,0 +1,267 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!-- edited with XMLSpy v2015 sp2 (http://www.altova.com) by SUBHASH MANNAM (FANNIE MAE) -->
+<!--This sample XML file represents the 'AU1_AppraisalUpdate_v1.1' scenario.-->
+<!--XML Comments: DO NOT DELIVER THE GRAY XML COMMENTS IN THE SUBMISSION PAYLOAD TO UCDP. THEY HAVE BEEN INCLUDED FOR IMPLEMENTATION REFERENCE ONLY.-->
+<!--XML File Created: 10/30/2023-->
+<!--XML Encoding: All XML files submitted to the Uniform Collateral Data Portal MUST follow the UTF-8 encoding standard. -->
+<!--Copyright Notice: Copyright 2023 Fannie Mae and Freddie Mac. Trademarks of respective owners.
+                      This document relates to the Uniform Mortgage Data Program, an effort undertaken jointly by
+                      Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency.-->
+<MESSAGE xmlns:xlink="http://www.w3.org/1999/xlink" xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:gse="http://www.datamodelextension.org" MISMOReferenceModelIdentifier="3.6.0366">
+	<DOCUMENT_SETS>
+		<DOCUMENT_SET>
+			<DOCUMENTS>
+				<DOCUMENT>
+					<DEAL_SETS>
+						<DEAL_SET>
+							<DEALS>
+								<DEAL>
+									<SERVICES>
+										<SERVICE>
+											<VALUATION>
+												<VALUATION_RESPONSE>
+													<VALUATION_ANALYSES>
+														<VALUATION_ANALYSIS>
+															<PROPERTIES>
+																<PROPERTY ValuationUseType="SubjectProperty">
+																	<ADDRESS>
+																		<AddressLineText>4432 Majestic Lane</AddressLineText>
+																		<CityName>Fairfax</CityName>
+																		<CountyName>Fairfax</CountyName>
+																		<PostalCode>22033</PostalCode>
+																		<StateCode>VA</StateCode>
+																	</ADDRESS>
+																	<INSPECTIONS>
+																		<INSPECTION>
+																			<IMAGES>
+																				<IMAGE>
+																					<ImageCategoryType>PropertyPhoto</ImageCategoryType>
+																					<ImageFileLocationIdentifier>\\Images\SF1_SubjectProperty.png</ImageFileLocationIdentifier>
+																					<MIMETypeIdentifier>image/png</MIMETypeIdentifier>
+																				</IMAGE>
+																			</IMAGES>
+																		</INSPECTION>
+																		<INSPECTION xlink:label="INSPECTION_APPRAISER">
+																			<INSPECTION_DETAIL>
+																				<InspectionDate>2025-05-01</InspectionDate>
+																				<PropertyExteriorInspectionMethodType>Physical</PropertyExteriorInspectionMethodType>
+																				<PropertyInteriorInspectionMethodType>NoInspection</PropertyInteriorInspectionMethodType>
+																			</INSPECTION_DETAIL>
+																		</INSPECTION>
+																	</INSPECTIONS>
+																	<PARCEL_SUMMARY>
+																		<PARCEL_SUMMARY_DETAIL>
+																			<ParcelsLegalDescription>Lot 53 Sunnyside Subdivision</ParcelsLegalDescription>
+																		</PARCEL_SUMMARY_DETAIL>
+																	</PARCEL_SUMMARY>
+																	<PROPERTY_DETAIL>
+																		<PropertyEstateType>FeeSimple</PropertyEstateType>
+																		<PropertyInProjectIndicator>false</PropertyInProjectIndicator>
+																	</PROPERTY_DETAIL>
+																</PROPERTY>
+															</PROPERTIES>
+															<VALUATION_REPORT>
+																<ADDITIONAL_IDENTIFIERS>
+																	<ADDITIONAL_IDENTIFIER>
+																		<AdditionalValuationIdentifier>1234567</AdditionalValuationIdentifier>
+																		<AdditionalValuationIdentifierType>Client</AdditionalValuationIdentifierType>
+																	</ADDITIONAL_IDENTIFIER>
+																	<ADDITIONAL_IDENTIFIER>
+																		<AdditionalValuationIdentifier>AA9876543</AdditionalValuationIdentifier>
+																		<AdditionalValuationIdentifierType>ValuationSoftwareVendor</AdditionalValuationIdentifierType>
+																	</ADDITIONAL_IDENTIFIER>
+																</ADDITIONAL_IDENTIFIERS>
+																<SCOPE_OF_WORK>
+																	<SCOPE_OF_WORK_DETAIL>
+																		<GovernmentAgencyAppraisalIndicator>false</GovernmentAgencyAppraisalIndicator>
+																		<ValuationAdditionalIntendedUserIndicator>false</ValuationAdditionalIntendedUserIndicator>
+																		<ValuationAdditionalScopeOfWorkIndicator>false</ValuationAdditionalScopeOfWorkIndicator>
+																	</SCOPE_OF_WORK_DETAIL>
+																</SCOPE_OF_WORK>
+																<VALUATION_REPORT_DETAIL>
+																	<AppraiserAdditionalCertificationIndicator>false</AppraiserAdditionalCertificationIndicator>
+																	<AppraiserFileIdentifier>AA234567</AppraiserFileIdentifier>
+																	<AppraiserPriorServicesPerformedIndicator>false</AppraiserPriorServicesPerformedIndicator>
+																	<OriginalAppraisalEffectiveDate>2025-03-20</OriginalAppraisalEffectiveDate>
+																	<OriginalAppraisalMarketingOrExposureHighRangeDaysCount>90</OriginalAppraisalMarketingOrExposureHighRangeDaysCount>
+																	<OriginalAppraisalMarketingOrExposureLowRangeDaysCount>0</OriginalAppraisalMarketingOrExposureLowRangeDaysCount>
+																	<OriginalAppraisedValueAmount>490000</OriginalAppraisedValueAmount>
+																	<OriginalAppraiserFileIdentifier>AA12345</OriginalAppraiserFileIdentifier>
+																	<OriginalAppraiserUnparsedName>Agatha Appraiser</OriginalAppraiserUnparsedName>
+																	<OriginalLenderUnparsedName>DEF Bank</OriginalLenderUnparsedName>
+																	<ValuationReportContentIdentifier>Restricted Appraisal Update Report Delivery Specification v1.1</ValuationReportContentIdentifier>
+																	<ValuationReportInspectionCertificationType>Exterior</ValuationReportInspectionCertificationType>
+																</VALUATION_REPORT_DETAIL>
+																<VALUATION_SOFTWARE_SYSTEMS>
+																	<VALUATION_SOFTWARE_SYSTEM>
+																		<ValuationSoftwareProductIdentifier>AASOFT</ValuationSoftwareProductIdentifier>
+																		<ValuationSoftwareProductName>Awesome Appraisal Software</ValuationSoftwareProductName>
+																		<ValuationSoftwareProductVersionIdentifier>2.1</ValuationSoftwareProductVersionIdentifier>
+																		<ValuationSoftwareVendorName>Awesome Vendor, LLC</ValuationSoftwareVendorName>
+																	</VALUATION_SOFTWARE_SYSTEM>
+																</VALUATION_SOFTWARE_SYSTEMS>
+																<VALUATION_UPDATE>
+																	<AppraisalUpdateCommentDescription>I have summarized my analysis and conclusions in this appraisal update, even though this report does not contain all the supporting rationale for the opinions and conclusions set forth in this report, I have retained all supporting data and necessary documentation in my work file. 
+Both the FHFA and Freddie Mac House Price Indices change of value for the MSA of Washington-Arlington-Alexandria-DC-VA-MD-WV, which the subject is in, was a 4.1% increase from the period of September 20, 2019 to March 20, 2020. I used the sales comparison approach by using multiple sales in the subject's market which confirms that the subject's market value has not decreased since the effective date of the original appraisal.</AppraisalUpdateCommentDescription>
+																	<AppraisalUpdateReportEffectiveDate>2025-05-01</AppraisalUpdateReportEffectiveDate>
+																	<PropertyMarketValueDecreasedIndicator>false</PropertyMarketValueDecreasedIndicator>
+																</VALUATION_UPDATE>
+															</VALUATION_REPORT>
+														</VALUATION_ANALYSIS>
+													</VALUATION_ANALYSES>
+												</VALUATION_RESPONSE>
+											</VALUATION>
+											<PARTIES>
+												<PARTY>
+													<LEGAL_ENTITY>
+														<LEGAL_ENTITY_DETAIL>
+															<FullName>DEF Bank</FullName>
+														</LEGAL_ENTITY_DETAIL>
+													</LEGAL_ENTITY>
+													<ADDRESSES>
+														<ADDRESS>
+															<AddressLineText>200 Elm St</AddressLineText>
+															<CityName>Anytown</CityName>
+															<PostalCode>12346</PostalCode>
+															<StateCode>VA</StateCode>
+														</ADDRESS>
+													</ADDRESSES>
+													<ROLES>
+														<ROLE>
+															<ROLE_DETAIL>
+																<PartyRoleType>Lender</PartyRoleType>
+															</ROLE_DETAIL>
+														</ROLE>
+														<ROLE>
+															<ROLE_DETAIL>
+																<PartyRoleType>Client</PartyRoleType>
+															</ROLE_DETAIL>
+														</ROLE>
+													</ROLES>
+												</PARTY>
+												<PARTY>
+													<INDIVIDUAL>
+														<NAME>
+															<FirstName>BARBARA</FirstName>
+															<LastName>MCLEAN</LastName>
+														</NAME>
+													</INDIVIDUAL>
+													<ADDRESSES>
+														<ADDRESS>
+															<AddressLineText>300 Maple St</AddressLineText>
+															<CityName>Anytown</CityName>
+															<PostalCode>12345</PostalCode>
+															<StateCode>VA</StateCode>
+														</ADDRESS>
+													</ADDRESSES>
+													<ROLES>
+														<ROLE xlink:label="ROLE_APPRAISER">
+															<APPRAISER>
+																<APPRAISER_DETAIL>
+																	<AppraiserCompanyName>XYZ Appraisal Company</AppraiserCompanyName>
+																</APPRAISER_DETAIL>
+															</APPRAISER>
+															<LICENSES>
+																<LICENSE>
+																	<APPRAISER_LICENSE>
+																		<AppraiserLicenseType>CertifiedResidential</AppraiserLicenseType>
+																	</APPRAISER_LICENSE>
+																	<LICENSE_DETAIL>
+																		<LicenseExpirationDate>2028-03-31</LicenseExpirationDate>
+																		<LicenseIdentifier>4001005202</LicenseIdentifier>
+																		<LicenseIssuingAuthorityStateCode>VA</LicenseIssuingAuthorityStateCode>
+																	</LICENSE_DETAIL>
+																</LICENSE>
+															</LICENSES>
+															<ROLE_DETAIL>
+																<PartyRoleType>Appraiser</PartyRoleType>
+															</ROLE_DETAIL>
+														</ROLE>
+													</ROLES>
+												</PARTY>
+												<PARTY>
+													<INDIVIDUAL>
+														<NAME>
+															<FirstName>Betty</FirstName>
+															<LastName>Borrower</LastName>
+														</NAME>
+													</INDIVIDUAL>
+													<ROLES>
+														<ROLE>
+															<ROLE_DETAIL>
+																<PartyRoleType>Borrower</PartyRoleType>
+															</ROLE_DETAIL>
+														</ROLE>
+													</ROLES>
+												</PARTY>
+												<PARTY>
+													<INDIVIDUAL>
+														<NAME>
+															<FirstName>Bob</FirstName>
+															<LastName>Borrower</LastName>
+														</NAME>
+													</INDIVIDUAL>
+													<ROLES>
+														<ROLE>
+															<ROLE_DETAIL>
+																<PartyRoleType>Borrower</PartyRoleType>
+															</ROLE_DETAIL>
+														</ROLE>
+													</ROLES>
+												</PARTY>
+											</PARTIES>
+											<RELATIONSHIPS>
+												<RELATIONSHIP xlink:arcrole="urn:fdc:mismo.org:2009:residential/SIGNATORY_IsAssociatedWith_ROLE" xlink:from="SIGNATORY_APPRAISER" xlink:to="ROLE_APPRAISER"/>
+												<RELATIONSHIP xlink:arcrole="urn:fdc:mismo.org:2009:residential/INSPECTION_CompletedBy_ROLE" xlink:from="INSPECTION_APPRAISER" xlink:to="ROLE_APPRAISER"/>
+											</RELATIONSHIPS>
+											<SERVICE_DETAIL>
+												<ServiceType>Valuation</ServiceType>
+											</SERVICE_DETAIL>
+										</SERVICE>
+									</SERVICES>
+								</DEAL>
+							</DEALS>
+						</DEAL_SET>
+					</DEAL_SETS>
+					<SIGNATORIES>
+						<SIGNATORY xlink:label="SIGNATORY_APPRAISER">
+							<EXECUTION>
+								<EXECUTION_DETAIL>
+									<ExecutionDate>2025-05-25</ExecutionDate>
+								</EXECUTION_DETAIL>
+							</EXECUTION>
+						</SIGNATORY>
+					</SIGNATORIES>
+					<VIEWS>
+						<VIEW>
+							<VIEW_FILES>
+								<VIEW_FILE>
+									<FOREIGN_OBJECT>
+										<ObjectURL>\\AU1_AppraisalUpdate_v1.1.pdf</ObjectURL>
+										<MIMETypeIdentifier>application/pdf</MIMETypeIdentifier>
+									</FOREIGN_OBJECT>
+								</VIEW_FILE>
+							</VIEW_FILES>
+						</VIEW>
+					</VIEWS>
+					<ABOUT_VERSIONS>
+						<ABOUT_VERSION>
+							<AboutVersionIdentifier>1</AboutVersionIdentifier>
+						</ABOUT_VERSION>
+					</ABOUT_VERSIONS>
+					<DOCUMENT_CLASSIFICATION>
+						<DOCUMENT_CLASSES>
+							<DOCUMENT_CLASS>
+								<DocumentType>ValuationUpdate</DocumentType>
+							</DOCUMENT_CLASS>
+						</DOCUMENT_CLASSES>
+						<DOCUMENT_CLASSIFICATION_DETAIL>
+							<DocumentFormIssuingEntityNameType>FNM_FRE</DocumentFormIssuingEntityNameType>
+							<DocumentFormIssuingEntityVersionIdentifier>December 2023</DocumentFormIssuingEntityVersionIdentifier>
+						</DOCUMENT_CLASSIFICATION_DETAIL>
+					</DOCUMENT_CLASSIFICATION>
+				</DOCUMENT>
+			</DOCUMENTS>
+		</DOCUMENT_SET>
+	</DOCUMENT_SETS>
+</MESSAGE>

Technology_Integration_Resources___Fannie_Mae/links/_/au1appraisalupdateuad-findings

@@ -0,0 +1,267 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!-- edited with XMLSpy v2015 sp2 (http://www.altova.com) by SUBHASH MANNAM (FANNIE MAE) -->
+<!--This sample XML file represents the 'AU1_AppraisalUpdate_v1.1' scenario.-->
+<!--XML Comments: DO NOT DELIVER THE GRAY XML COMMENTS IN THE SUBMISSION PAYLOAD TO UCDP. THEY HAVE BEEN INCLUDED FOR IMPLEMENTATION REFERENCE ONLY.-->
+<!--XML File Created: 10/30/2023-->
+<!--XML Encoding: All XML files submitted to the Uniform Collateral Data Portal MUST follow the UTF-8 encoding standard. -->
+<!--Copyright Notice: Copyright 2023 Fannie Mae and Freddie Mac. Trademarks of respective owners.
+                      This document relates to the Uniform Mortgage Data Program, an effort undertaken jointly by
+                      Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency.-->
+<MESSAGE xmlns:xlink="http://www.w3.org/1999/xlink" xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:gse="http://www.datamodelextension.org" MISMOReferenceModelIdentifier="3.6.0366">
+	<DOCUMENT_SETS>
+		<DOCUMENT_SET>
+			<DOCUMENTS>
+				<DOCUMENT>
+					<DEAL_SETS>
+						<DEAL_SET>
+							<DEALS>
+								<DEAL>
+									<SERVICES>
+										<SERVICE>
+											<VALUATION>
+												<VALUATION_RESPONSE>
+													<VALUATION_ANALYSES>
+														<VALUATION_ANALYSIS>
+															<PROPERTIES>
+																<PROPERTY ValuationUseType="SubjectProperty">
+																	<ADDRESS>
+																		<AddressLineText>4432 Majestic Lane</AddressLineText>
+																		<CityName>Fairfax</CityName>
+																		<CountyName>Fairfax</CountyName>
+																		<PostalCode>22033</PostalCode>
+																		<StateCode>VA</StateCode>
+																	</ADDRESS>
+																	<INSPECTIONS>
+																		<INSPECTION>
+																			<IMAGES>
+																				<IMAGE>
+																					<ImageCategoryType>PropertyPhoto</ImageCategoryType>
+																					<ImageFileLocationIdentifier>\\Images\SF1_SubjectProperty.png</ImageFileLocationIdentifier>
+																					<MIMETypeIdentifier>image/png</MIMETypeIdentifier>
+																				</IMAGE>
+																			</IMAGES>
+																		</INSPECTION>
+																		<INSPECTION xlink:label="INSPECTION_APPRAISER">
+																			<INSPECTION_DETAIL>
+																				<InspectionDate>2020-03-20</InspectionDate>
+																				<PropertyExteriorInspectionMethodType>Physical</PropertyExteriorInspectionMethodType>
+																				<PropertyInteriorInspectionMethodType>NoInspection</PropertyInteriorInspectionMethodType>
+																			</INSPECTION_DETAIL>
+																		</INSPECTION>
+																	</INSPECTIONS>
+																	<PARCEL_SUMMARY>
+																		<PARCEL_SUMMARY_DETAIL>
+																			<ParcelsLegalDescription>Lot 53 Sunnyside Subdivision</ParcelsLegalDescription>
+																		</PARCEL_SUMMARY_DETAIL>
+																	</PARCEL_SUMMARY>
+																	<PROPERTY_DETAIL>
+																		<PropertyEstateType>FeeSimple</PropertyEstateType>
+																		<PropertyInProjectIndicator>false</PropertyInProjectIndicator>
+																	</PROPERTY_DETAIL>
+																</PROPERTY>
+															</PROPERTIES>
+															<VALUATION_REPORT>
+																<ADDITIONAL_IDENTIFIERS>
+																	<ADDITIONAL_IDENTIFIER>
+																		<AdditionalValuationIdentifier>1234567</AdditionalValuationIdentifier>
+																		<AdditionalValuationIdentifierType>Client</AdditionalValuationIdentifierType>
+																	</ADDITIONAL_IDENTIFIER>
+																	<ADDITIONAL_IDENTIFIER>
+																		<AdditionalValuationIdentifier>AA9876543</AdditionalValuationIdentifier>
+																		<AdditionalValuationIdentifierType>ValuationSoftwareVendor</AdditionalValuationIdentifierType>
+																	</ADDITIONAL_IDENTIFIER>
+																</ADDITIONAL_IDENTIFIERS>
+																<SCOPE_OF_WORK>
+																	<SCOPE_OF_WORK_DETAIL>
+																		<GovernmentAgencyAppraisalIndicator>false</GovernmentAgencyAppraisalIndicator>
+																		<ValuationAdditionalIntendedUserIndicator>false</ValuationAdditionalIntendedUserIndicator>
+																		<ValuationAdditionalScopeOfWorkIndicator>false</ValuationAdditionalScopeOfWorkIndicator>
+																	</SCOPE_OF_WORK_DETAIL>
+																</SCOPE_OF_WORK>
+																<VALUATION_REPORT_DETAIL>
+																	<AppraiserAdditionalCertificationIndicator>false</AppraiserAdditionalCertificationIndicator>
+																	<AppraiserFileIdentifier>AA234567</AppraiserFileIdentifier>
+																	<AppraiserPriorServicesPerformedIndicator>false</AppraiserPriorServicesPerformedIndicator>
+																	<OriginalAppraisalEffectiveDate>2019-09-20</OriginalAppraisalEffectiveDate>
+																	<OriginalAppraisalMarketingOrExposureHighRangeDaysCount>90</OriginalAppraisalMarketingOrExposureHighRangeDaysCount>
+																	<OriginalAppraisalMarketingOrExposureLowRangeDaysCount>0</OriginalAppraisalMarketingOrExposureLowRangeDaysCount>
+																	<OriginalAppraisedValueAmount>490000</OriginalAppraisedValueAmount>
+																	<OriginalAppraiserFileIdentifier>AA12345</OriginalAppraiserFileIdentifier>
+																	<OriginalAppraiserUnparsedName>Agatha Appraiser</OriginalAppraiserUnparsedName>
+																	<OriginalLenderUnparsedName>DEF Bank</OriginalLenderUnparsedName>
+																	<ValuationReportContentIdentifier>Restricted Appraisal Update Report Delivery Specification v1.1</ValuationReportContentIdentifier>
+																	<ValuationReportInspectionCertificationType>Exterior</ValuationReportInspectionCertificationType>
+																</VALUATION_REPORT_DETAIL>
+																<VALUATION_SOFTWARE_SYSTEMS>
+																	<VALUATION_SOFTWARE_SYSTEM>
+																		<ValuationSoftwareProductIdentifier>AASOFT</ValuationSoftwareProductIdentifier>
+																		<ValuationSoftwareProductName>Awesome Appraisal Software</ValuationSoftwareProductName>
+																		<ValuationSoftwareProductVersionIdentifier>2.1</ValuationSoftwareProductVersionIdentifier>
+																		<ValuationSoftwareVendorName>Awesome Vendor, LLC</ValuationSoftwareVendorName>
+																	</VALUATION_SOFTWARE_SYSTEM>
+																</VALUATION_SOFTWARE_SYSTEMS>
+																<VALUATION_UPDATE>
+																	<AppraisalUpdateCommentDescription>I have summarized my analysis and conclusions in this appraisal update, even though this report does not contain all the supporting rationale for the opinions and conclusions set forth in this report, I have retained all supporting data and necessary documentation in my work file. 
+Both the FHFA and Freddie Mac House Price Indices change of value for the MSA of Washington-Arlington-Alexandria-DC-VA-MD-WV, which the subject is in, was a 4.1% increase from the period of September 20, 2019 to March 20, 2020. I used the sales comparison approach by using multiple sales in the subject's market which confirms that the subject's market value has not decreased since the effective date of the original appraisal.</AppraisalUpdateCommentDescription>
+																	<AppraisalUpdateReportEffectiveDate>2020-03-20</AppraisalUpdateReportEffectiveDate>
+																	<PropertyMarketValueDecreasedIndicator>false</PropertyMarketValueDecreasedIndicator>
+																</VALUATION_UPDATE>
+															</VALUATION_REPORT>
+														</VALUATION_ANALYSIS>
+													</VALUATION_ANALYSES>
+												</VALUATION_RESPONSE>
+											</VALUATION>
+											<PARTIES>
+												<PARTY>
+													<LEGAL_ENTITY>
+														<LEGAL_ENTITY_DETAIL>
+															<FullName>DEF Bank</FullName>
+														</LEGAL_ENTITY_DETAIL>
+													</LEGAL_ENTITY>
+													<ADDRESSES>
+														<ADDRESS>
+															<AddressLineText>200 Elm St</AddressLineText>
+															<CityName>Anytown</CityName>
+															<PostalCode>12346</PostalCode>
+															<StateCode>VA</StateCode>
+														</ADDRESS>
+													</ADDRESSES>
+													<ROLES>
+														<ROLE>
+															<ROLE_DETAIL>
+																<PartyRoleType>Lender</PartyRoleType>
+															</ROLE_DETAIL>
+														</ROLE>
+														<ROLE>
+															<ROLE_DETAIL>
+																<PartyRoleType>Client</PartyRoleType>
+															</ROLE_DETAIL>
+														</ROLE>
+													</ROLES>
+												</PARTY>
+												<PARTY>
+													<INDIVIDUAL>
+														<NAME>
+															<FirstName>BARBARA</FirstName>
+															<LastName>MCLEAN</LastName>
+														</NAME>
+													</INDIVIDUAL>
+													<ADDRESSES>
+														<ADDRESS>
+															<AddressLineText>300 Maple St</AddressLineText>
+															<CityName>Anytown</CityName>
+															<PostalCode>12345</PostalCode>
+															<StateCode>VA</StateCode>
+														</ADDRESS>
+													</ADDRESSES>
+													<ROLES>
+														<ROLE xlink:label="ROLE_APPRAISER">
+															<APPRAISER>
+																<APPRAISER_DETAIL>
+																	<AppraiserCompanyName>XYZ Appraisal Company</AppraiserCompanyName>
+																</APPRAISER_DETAIL>
+															</APPRAISER>
+															<LICENSES>
+																<LICENSE>
+																	<APPRAISER_LICENSE>
+																		<AppraiserLicenseType>CertifiedResidential</AppraiserLicenseType>
+																	</APPRAISER_LICENSE>
+																	<LICENSE_DETAIL>
+																		<LicenseExpirationDate>2028-03-31</LicenseExpirationDate>
+																		<LicenseIdentifier>4001005202</LicenseIdentifier>
+																		<LicenseIssuingAuthorityStateCode>VA</LicenseIssuingAuthorityStateCode>
+																	</LICENSE_DETAIL>
+																</LICENSE>
+															</LICENSES>
+															<ROLE_DETAIL>
+																<PartyRoleType>Appraiser</PartyRoleType>
+															</ROLE_DETAIL>
+														</ROLE>
+													</ROLES>
+												</PARTY>
+												<PARTY>
+													<INDIVIDUAL>
+														<NAME>
+															<FirstName>Betty</FirstName>
+															<LastName>Borrower</LastName>
+														</NAME>
+													</INDIVIDUAL>
+													<ROLES>
+														<ROLE>
+															<ROLE_DETAIL>
+																<PartyRoleType>Borrower</PartyRoleType>
+															</ROLE_DETAIL>
+														</ROLE>
+													</ROLES>
+												</PARTY>
+												<PARTY>
+													<INDIVIDUAL>
+														<NAME>
+															<FirstName>Bob</FirstName>
+															<LastName>Borrower</LastName>
+														</NAME>
+													</INDIVIDUAL>
+													<ROLES>
+														<ROLE>
+															<ROLE_DETAIL>
+																<PartyRoleType>Borrower</PartyRoleType>
+															</ROLE_DETAIL>
+														</ROLE>
+													</ROLES>
+												</PARTY>
+											</PARTIES>
+											<RELATIONSHIPS>
+												<RELATIONSHIP xlink:arcrole="urn:fdc:mismo.org:2009:residential/SIGNATORY_IsAssociatedWith_ROLE" xlink:from="SIGNATORY_APPRAISER" xlink:to="ROLE_APPRAISER"/>
+												<RELATIONSHIP xlink:arcrole="urn:fdc:mismo.org:2009:residential/INSPECTION_CompletedBy_ROLE" xlink:from="INSPECTION_APPRAISER" xlink:to="ROLE_APPRAISER"/>
+											</RELATIONSHIPS>
+											<SERVICE_DETAIL>
+												<ServiceType>Valuation</ServiceType>
+											</SERVICE_DETAIL>
+										</SERVICE>
+									</SERVICES>
+								</DEAL>
+							</DEALS>
+						</DEAL_SET>
+					</DEAL_SETS>
+					<SIGNATORIES>
+						<SIGNATORY xlink:label="SIGNATORY_APPRAISER">
+							<EXECUTION>
+								<EXECUTION_DETAIL>
+									<ExecutionDate>2020-03-20</ExecutionDate>
+								</EXECUTION_DETAIL>
+							</EXECUTION>
+						</SIGNATORY>
+					</SIGNATORIES>
+					<VIEWS>
+						<VIEW>
+							<VIEW_FILES>
+								<VIEW_FILE>
+									<FOREIGN_OBJECT>
+										<ObjectURL>\\AU1_AppraisalUpdate_v1.1.pdf</ObjectURL>
+										<MIMETypeIdentifier>application/pdf</MIMETypeIdentifier>
+									</FOREIGN_OBJECT>
+								</VIEW_FILE>
+							</VIEW_FILES>
+						</VIEW>
+					</VIEWS>
+					<ABOUT_VERSIONS>
+						<ABOUT_VERSION>
+							<AboutVersionIdentifier>1</AboutVersionIdentifier>
+						</ABOUT_VERSION>
+					</ABOUT_VERSIONS>
+					<DOCUMENT_CLASSIFICATION>
+						<DOCUMENT_CLASSES>
+							<DOCUMENT_CLASS>
+								<DocumentType>ValuationUpdate</DocumentType>
+							</DOCUMENT_CLASS>
+						</DOCUMENT_CLASSES>
+						<DOCUMENT_CLASSIFICATION_DETAIL>
+							<DocumentFormIssuingEntityNameType>FNM_FRE</DocumentFormIssuingEntityNameType>
+							<DocumentFormIssuingEntityVersionIdentifier>December 2023</DocumentFormIssuingEntityVersionIdentifier>
+						</DOCUMENT_CLASSIFICATION_DETAIL>
+					</DOCUMENT_CLASSIFICATION>
+				</DOCUMENT>
+			</DOCUMENTS>
+		</DOCUMENT_SET>
+	</DOCUMENT_SETS>
+</MESSAGE>

Technology_Integration_Resources___Fannie_Mae/links/_/cr1completionreportno-findings

@@ -0,0 +1,316 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!-- edited with XMLSpy v2015 sp2 (http://www.altova.com) by SUBHASH MANNAM (FANNIE MAE) -->
+<!--This sample XML file represents the 'CR1_CompletionReport_v1.1' scenario.-->
+<!--XML Comments: DO NOT DELIVER THE GRAY XML COMMENTS IN THE SUBMISSION PAYLOAD TO UCDP. THEY HAVE BEEN INCLUDED FOR IMPLEMENTATION REFERENCE ONLY.-->
+<!--XML File Created: 10/30/2023-->
+<!--XML Encoding: All XML files submitted to the Uniform Collateral Data Portal MUST follow the UTF-8 encoding standard. -->
+<!--Copyright Notice: Copyright 2023 Fannie Mae and Freddie Mac. Trademarks of respective owners.
+                      This document relates to the Uniform Mortgage Data Program, an effort undertaken jointly by
+                      Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency.-->
+<MESSAGE xmlns:xlink="http://www.w3.org/1999/xlink" xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:gse="http://www.datamodelextension.org" MISMOReferenceModelIdentifier="3.6.0366" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.mismo.org/residential/2009/schemas file:///K:/UCDP/UAD%203.6/NEW%20SUB%20SCHEMA%20TESTING%20SEPT%202023/GSE_UAD_3.6.0_v1.3/GSE_UAD_3.6.0_v1.3/Combined/GSE_UAD_3.6.0_v1.3.xsd">
+	<DOCUMENT_SETS>
+		<DOCUMENT_SET>
+			<DOCUMENTS>
+				<DOCUMENT>
+					<DEAL_SETS>
+						<DEAL_SET>
+							<DEALS>
+								<DEAL>
+									<SERVICES>
+										<SERVICE>
+											<VALUATION>
+												<VALUATION_RESPONSE>
+													<VALUATION_ANALYSES>
+														<VALUATION_ANALYSIS>
+															<PROPERTIES>
+																<PROPERTY ValuationUseType="SubjectProperty">
+																	<ADDRESS>
+																		<AddressLineText>4432 Majestic Lane</AddressLineText>
+																		<CityName>Fairfax</CityName>
+																		<CountyName>Fairfax</CountyName>
+																		<PostalCode>22033</PostalCode>
+																		<StateCode>VA</StateCode>
+																	</ADDRESS>
+																	<INSPECTIONS>
+																		<INSPECTION>
+																			<IMAGES>
+																				<IMAGE>
+																					<ImageCategoryType>PropertyPhoto</ImageCategoryType>
+																					<ImageFileLocationIdentifier>\\Images\CR1_Dwelling_Front.png</ImageFileLocationIdentifier>
+																					<MIMETypeIdentifier>image/png</MIMETypeIdentifier>
+																				</IMAGE>
+																			</IMAGES>
+																		</INSPECTION>
+																		<INSPECTION xlink:label="INSPECTION_APPRAISER">
+																			<INSPECTION_DETAIL>
+																				<InspectionDate>2025-05-21</InspectionDate>
+																				<PropertyExteriorInspectionMethodType>Physical</PropertyExteriorInspectionMethodType>
+																				<PropertyInteriorInspectionMethodType>Physical</PropertyInteriorInspectionMethodType>
+																			</INSPECTION_DETAIL>
+																		</INSPECTION>
+																	</INSPECTIONS>
+																	<PARCEL_SUMMARY>
+																		<PARCEL_SUMMARY_DETAIL>
+																			<ParcelsLegalDescription>Block H Lot XX of XYZ Place</ParcelsLegalDescription>
+																		</PARCEL_SUMMARY_DETAIL>
+																	</PARCEL_SUMMARY>
+																	<PROPERTY_DEFECT>
+																		<DEFECTS>
+																			<DEFECT>
+																				<DEFECT_DETAIL>
+																					<CompletionReportNewDefectIndicator>false</CompletionReportNewDefectIndicator>
+																					<DefectComponentLabelType>MechanicalSystem</DefectComponentLabelType>
+																					<DefectItemAffectsSoundnessStructuralIntegrityIndicator>false</DefectItemAffectsSoundnessStructuralIntegrityIndicator>
+																					<DefectItemDescription>The hot water heater did not appear to be operational. No hot water.</DefectItemDescription>
+																					<DefectItemLocationType>Other</DefectItemLocationType>
+																					<DefectItemLocationTypeOtherDescription>Water Heater</DefectItemLocationTypeOtherDescription>
+																					<DefectItemRecommendedActionCompletedIndicator>true</DefectItemRecommendedActionCompletedIndicator>
+																					<DefectItemRecommendedActionCompletionDescription>Hot water working upon reinspection.</DefectItemRecommendedActionCompletionDescription>
+																					<DefectItemRecommendedActionInspectionDate>2025-05-21</DefectItemRecommendedActionInspectionDate>
+																				</DEFECT_DETAIL>
+																				<IMAGES>
+																					<IMAGE>
+																						<ImageCaptionCommentDescription>Water Heater</ImageCaptionCommentDescription>
+																						<ImageFileLocationIdentifier>\\Images\CR1_Water_Heater.png</ImageFileLocationIdentifier>
+																						<MIMETypeIdentifier>image/png</MIMETypeIdentifier>
+																					</IMAGE>
+																				</IMAGES>
+																			</DEFECT>
+																			<DEFECT>
+																				<DEFECT_DETAIL>
+																					<CompletionReportNewDefectIndicator>true</CompletionReportNewDefectIndicator>
+																					<DefectComponentLabelType>Flooring</DefectComponentLabelType>
+																					<DefectItemAffectsSoundnessStructuralIntegrityIndicator>false</DefectItemAffectsSoundnessStructuralIntegrityIndicator>
+																					<DefectItemDescription>Water damage to carpet.</DefectItemDescription>
+																					<DefectItemLocationType>Other</DefectItemLocationType>
+																					<DefectItemLocationTypeOtherDescription>Basement Den</DefectItemLocationTypeOtherDescription>
+																					<DefectItemRecommendedActionInspectionDate>2025-05-21</DefectItemRecommendedActionInspectionDate>
+																					<DefectItemRecommendedActionType>Repair</DefectItemRecommendedActionType>
+																				</DEFECT_DETAIL>
+																				<IMAGES>
+																					<IMAGE>
+																						<ImageCaptionCommentDescription>Basement Carpeting</ImageCaptionCommentDescription>
+																						<ImageFileLocationIdentifier>\\Images\CR1_Carpet.png</ImageFileLocationIdentifier>
+																						<MIMETypeIdentifier>image/png</MIMETypeIdentifier>
+																					</IMAGE>
+																				</IMAGES>
+																			</DEFECT>
+																		</DEFECTS>
+																	</PROPERTY_DEFECT>
+																</PROPERTY>
+															</PROPERTIES>
+															<VALUATION_REPORT>
+																<ADDITIONAL_IDENTIFIERS>
+																	<ADDITIONAL_IDENTIFIER>
+																		<AdditionalValuationIdentifier>456-8124</AdditionalValuationIdentifier>
+																		<AdditionalValuationIdentifierType>Client</AdditionalValuationIdentifierType>
+																	</ADDITIONAL_IDENTIFIER>
+																	<ADDITIONAL_IDENTIFIER>
+																		<AdditionalValuationIdentifier>123-456798</AdditionalValuationIdentifier>
+																		<AdditionalValuationIdentifierType>ValuationSoftwareVendor</AdditionalValuationIdentifierType>
+																	</ADDITIONAL_IDENTIFIER>
+																</ADDITIONAL_IDENTIFIERS>
+																<SCOPE_OF_WORK>
+																	<SCOPE_OF_WORK_DETAIL>
+																		<GovernmentAgencyAppraisalIndicator>false</GovernmentAgencyAppraisalIndicator>
+																		<ValuationAdditionalIntendedUserIndicator>false</ValuationAdditionalIntendedUserIndicator>
+																	</SCOPE_OF_WORK_DETAIL>
+																</SCOPE_OF_WORK>
+																<VALUATION_COMPLETION>
+																	<ORIGINAL_VALUATION_CONDITIONS>
+																		<ORIGINAL_VALUATION_CONDITION>
+																			<PropertyValuationConditionalConclusionType>SubjectToRepair</PropertyValuationConditionalConclusionType>
+																		</ORIGINAL_VALUATION_CONDITION>
+																	</ORIGINAL_VALUATION_CONDITIONS>
+																	<VALUATION_COMPLETION_DETAIL>
+																		<AppraisalCompletionCommentText>The subject property was reinspected due to a faulty water heater. The water heater has been repaired, but additional damage noted due to a water leak prior to the repair. The existing carpeting throughout the basement is damaged and this may affect the original assignment results. As such, the carpeting is required to be replaced.</AppraisalCompletionCommentText>
+																		<PersonalInspectionPerformedIndicator>true</PersonalInspectionPerformedIndicator>
+																	</VALUATION_COMPLETION_DETAIL>
+																</VALUATION_COMPLETION>
+																<VALUATION_REPORT_DETAIL>
+																	<AppraiserAdditionalCertificationIndicator>false</AppraiserAdditionalCertificationIndicator>
+																	<AppraiserFileIdentifier>LN32942301</AppraiserFileIdentifier>
+																	<OriginalAppraisalEffectiveDate>2025-03-21</OriginalAppraisalEffectiveDate>
+																	<OriginalAppraisedValueAmount>870000</OriginalAppraisedValueAmount>
+																	<OriginalAppraiserFileIdentifier>LN1265431</OriginalAppraiserFileIdentifier>
+																	<OriginalAppraiserUnparsedName>Jane Summers</OriginalAppraiserUnparsedName>
+																	<OriginalLenderUnparsedName>ABC Mortgage Company</OriginalLenderUnparsedName>
+																	<ValuationReportContentIdentifier>Completion Report Delivery Specification v1.1</ValuationReportContentIdentifier>
+																</VALUATION_REPORT_DETAIL>
+																<VALUATION_SOFTWARE_SYSTEMS>
+																	<VALUATION_SOFTWARE_SYSTEM>
+																		<ValuationSoftwareProductIdentifier>SATKIT</ValuationSoftwareProductIdentifier>
+																		<ValuationSoftwareProductName>Superb Appraising Toolkit</ValuationSoftwareProductName>
+																		<ValuationSoftwareProductVersionIdentifier>1.7</ValuationSoftwareProductVersionIdentifier>
+																		<ValuationSoftwareVendorName>Superb Appraisal Software Vendor, LLC</ValuationSoftwareVendorName>
+																	</VALUATION_SOFTWARE_SYSTEM>
+																</VALUATION_SOFTWARE_SYSTEMS>
+															</VALUATION_REPORT>
+														</VALUATION_ANALYSIS>
+													</VALUATION_ANALYSES>
+												</VALUATION_RESPONSE>
+											</VALUATION>
+											<PARTIES>
+												<PARTY>
+													<LEGAL_ENTITY>
+														<LEGAL_ENTITY_DETAIL>
+															<FullName>ABC Mortgage Company</FullName>
+														</LEGAL_ENTITY_DETAIL>
+													</LEGAL_ENTITY>
+													<ADDRESSES>
+														<ADDRESS>
+															<AddressLineText>456 Somewhere Ave</AddressLineText>
+															<CityName>Sometown</CityName>
+															<PostalCode>55555</PostalCode>
+															<StateCode>NV</StateCode>
+														</ADDRESS>
+													</ADDRESSES>
+													<ROLES>
+														<ROLE>
+															<ROLE_DETAIL>
+																<PartyRoleType>Lender</PartyRoleType>
+															</ROLE_DETAIL>
+														</ROLE>
+														<ROLE>
+															<ROLE_DETAIL>
+																<PartyRoleType>Client</PartyRoleType>
+															</ROLE_DETAIL>
+														</ROLE>
+													</ROLES>
+												</PARTY>
+												<PARTY>
+													<INDIVIDUAL>
+														<NAME>
+															<FirstName>BARBARA</FirstName>
+															<LastName>MCLEAN</LastName>
+														</NAME>
+													</INDIVIDUAL>
+													<ADDRESSES>
+														<ADDRESS>
+															<AddressLineText>22 A St NE</AddressLineText>
+															<CityName>Washington</CityName>
+															<PostalCode>10001</PostalCode>
+															<StateCode>DC</StateCode>
+														</ADDRESS>
+													</ADDRESSES>
+													<ROLES>
+														<ROLE xlink:label="ROLE_APPRAISER">
+															<APPRAISER>
+																<APPRAISER_DETAIL>
+																	<AppraiserCompanyName>XYZ Appraisal Company</AppraiserCompanyName>
+																</APPRAISER_DETAIL>
+															</APPRAISER>
+															<LICENSES>
+																<LICENSE>
+																	<APPRAISER_LICENSE>
+																		<AppraiserLicenseType>LicensedResidentialAppraiser</AppraiserLicenseType>
+																	</APPRAISER_LICENSE>
+																	<LICENSE_DETAIL>
+																		<LicenseExpirationDate>2028-10-21</LicenseExpirationDate>
+																		<LicenseIdentifier>4001005202</LicenseIdentifier>
+																		<LicenseIssuingAuthorityStateCode>VA</LicenseIssuingAuthorityStateCode>
+																	</LICENSE_DETAIL>
+																</LICENSE>
+															</LICENSES>
+															<ROLE_DETAIL>
+																<PartyRoleType>Appraiser</PartyRoleType>
+															</ROLE_DETAIL>
+														</ROLE>
+														<ROLE>
+															<SERVICE_PROVIDER>
+																<PROVIDED_SERVICES>
+																	<PROVIDED_SERVICE>
+																		<FeeType>AppraisalFee</FeeType>
+																		<ProvidedServiceActualCostAmount>0</ProvidedServiceActualCostAmount>
+																	</PROVIDED_SERVICE>
+																</PROVIDED_SERVICES>
+															</SERVICE_PROVIDER>
+														</ROLE>
+													</ROLES>
+												</PARTY>
+												<PARTY>
+													<INDIVIDUAL>
+														<NAME>
+															<FirstName>Michael</FirstName>
+															<LastName>Jones</LastName>
+														</NAME>
+													</INDIVIDUAL>
+													<ROLES>
+														<ROLE>
+															<ROLE_DETAIL>
+																<PartyRoleType>Borrower</PartyRoleType>
+															</ROLE_DETAIL>
+														</ROLE>
+													</ROLES>
+												</PARTY>
+												<PARTY>
+													<INDIVIDUAL>
+														<NAME>
+															<FirstName>Mary</FirstName>
+															<LastName>Jones</LastName>
+														</NAME>
+													</INDIVIDUAL>
+													<ROLES>
+														<ROLE>
+															<ROLE_DETAIL>
+																<PartyRoleType>Borrower</PartyRoleType>
+															</ROLE_DETAIL>
+														</ROLE>
+													</ROLES>
+												</PARTY>
+											</PARTIES>
+											<RELATIONSHIPS>
+												<RELATIONSHIP xlink:arcrole="urn:fdc:mismo.org:2009:residential/SIGNATORY_IsAssociatedWith_ROLE" xlink:from="SIGNATORY_APPRAISER" xlink:to="ROLE_APPRAISER"/>
+												<RELATIONSHIP xlink:arcrole="urn:fdc:mismo.org:2009:residential/INSPECTION_CompletedBy_ROLE" xlink:from="INSPECTION_APPRAISER" xlink:to="ROLE_APPRAISER"/>
+											</RELATIONSHIPS>
+											<SERVICE_DETAIL>
+												<ServiceType>Valuation</ServiceType>
+											</SERVICE_DETAIL>
+										</SERVICE>
+									</SERVICES>
+								</DEAL>
+							</DEALS>
+						</DEAL_SET>
+					</DEAL_SETS>
+					<SIGNATORIES>
+						<SIGNATORY xlink:label="SIGNATORY_APPRAISER">
+							<EXECUTION>
+								<EXECUTION_DETAIL>
+									<ExecutionDate>2025-05-21</ExecutionDate>
+								</EXECUTION_DETAIL>
+							</EXECUTION>
+						</SIGNATORY>
+					</SIGNATORIES>
+					<VIEWS>
+						<VIEW>
+							<VIEW_FILES>
+								<VIEW_FILE>
+									<FOREIGN_OBJECT>
+										<ObjectURL>\\CR1_CompletionReport_v1.1.pdf</ObjectURL>
+										<MIMETypeIdentifier>application/pdf</MIMETypeIdentifier>
+									</FOREIGN_OBJECT>
+								</VIEW_FILE>
+							</VIEW_FILES>
+						</VIEW>
+					</VIEWS>
+					<ABOUT_VERSIONS>
+						<ABOUT_VERSION>
+							<AboutVersionIdentifier>1</AboutVersionIdentifier>
+						</ABOUT_VERSION>
+					</ABOUT_VERSIONS>
+					<DOCUMENT_CLASSIFICATION>
+						<DOCUMENT_CLASSES>
+							<DOCUMENT_CLASS>
+								<DocumentType>ValuationCompletion</DocumentType>
+							</DOCUMENT_CLASS>
+						</DOCUMENT_CLASSES>
+						<DOCUMENT_CLASSIFICATION_DETAIL>
+							<DocumentFormIssuingEntityNameType>FNM_FRE</DocumentFormIssuingEntityNameType>
+							<DocumentFormIssuingEntityVersionIdentifier>December 2023</DocumentFormIssuingEntityVersionIdentifier>
+						</DOCUMENT_CLASSIFICATION_DETAIL>
+					</DOCUMENT_CLASSIFICATION>
+				</DOCUMENT>
+			</DOCUMENTS>
+		</DOCUMENT_SET>
+	</DOCUMENT_SETS>
+</MESSAGE>

Technology_Integration_Resources___Fannie_Mae/links/_/cr1completionreportuad-findings

@@ -0,0 +1,316 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!-- edited with XMLSpy v2015 sp2 (http://www.altova.com) by SUBHASH MANNAM (FANNIE MAE) -->
+<!--This sample XML file represents the 'CR1_CompletionReport_v1.1' scenario.-->
+<!--XML Comments: DO NOT DELIVER THE GRAY XML COMMENTS IN THE SUBMISSION PAYLOAD TO UCDP. THEY HAVE BEEN INCLUDED FOR IMPLEMENTATION REFERENCE ONLY.-->
+<!--XML File Created: 10/30/2023-->
+<!--XML Encoding: All XML files submitted to the Uniform Collateral Data Portal MUST follow the UTF-8 encoding standard. -->
+<!--Copyright Notice: Copyright 2023 Fannie Mae and Freddie Mac. Trademarks of respective owners.
+                      This document relates to the Uniform Mortgage Data Program, an effort undertaken jointly by
+                      Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency.-->
+<MESSAGE xmlns:xlink="http://www.w3.org/1999/xlink" xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:gse="http://www.datamodelextension.org" MISMOReferenceModelIdentifier="3.6.0366" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.mismo.org/residential/2009/schemas file:///K:/UCDP/UAD%203.6/NEW%20SUB%20SCHEMA%20TESTING%20SEPT%202023/GSE_UAD_3.6.0_v1.3/GSE_UAD_3.6.0_v1.3/Combined/GSE_UAD_3.6.0_v1.3.xsd">
+	<DOCUMENT_SETS>
+		<DOCUMENT_SET>
+			<DOCUMENTS>
+				<DOCUMENT>
+					<DEAL_SETS>
+						<DEAL_SET>
+							<DEALS>
+								<DEAL>
+									<SERVICES>
+										<SERVICE>
+											<VALUATION>
+												<VALUATION_RESPONSE>
+													<VALUATION_ANALYSES>
+														<VALUATION_ANALYSIS>
+															<PROPERTIES>
+																<PROPERTY ValuationUseType="SubjectProperty">
+																	<ADDRESS>
+																		<AddressLineText>4432 Majestic Lane</AddressLineText>
+																		<CityName>Fairfax</CityName>
+																		<CountyName>Fairfax</CountyName>
+																		<PostalCode>22033</PostalCode>
+																		<StateCode>VA</StateCode>
+																	</ADDRESS>
+																	<INSPECTIONS>
+																		<INSPECTION>
+																			<IMAGES>
+																				<IMAGE>
+																					<ImageCategoryType>PropertyPhoto</ImageCategoryType>
+																					<ImageFileLocationIdentifier>\\Images\CR1_Dwelling_Front.png</ImageFileLocationIdentifier>
+																					<MIMETypeIdentifier>image/png</MIMETypeIdentifier>
+																				</IMAGE>
+																			</IMAGES>
+																		</INSPECTION>
+																		<INSPECTION xlink:label="INSPECTION_APPRAISER">
+																			<INSPECTION_DETAIL>
+																				<InspectionDate>2009-08-21</InspectionDate>
+																				<PropertyExteriorInspectionMethodType>Physical</PropertyExteriorInspectionMethodType>
+																				<PropertyInteriorInspectionMethodType>Physical</PropertyInteriorInspectionMethodType>
+																			</INSPECTION_DETAIL>
+																		</INSPECTION>
+																	</INSPECTIONS>
+																	<PARCEL_SUMMARY>
+																		<PARCEL_SUMMARY_DETAIL>
+																			<ParcelsLegalDescription>Block H Lot XX of XYZ Place</ParcelsLegalDescription>
+																		</PARCEL_SUMMARY_DETAIL>
+																	</PARCEL_SUMMARY>
+																	<PROPERTY_DEFECT>
+																		<DEFECTS>
+																			<DEFECT>
+																				<DEFECT_DETAIL>
+																					<CompletionReportNewDefectIndicator>false</CompletionReportNewDefectIndicator>
+																					<DefectComponentLabelType>MechanicalSystem</DefectComponentLabelType>
+																					<DefectItemAffectsSoundnessStructuralIntegrityIndicator>false</DefectItemAffectsSoundnessStructuralIntegrityIndicator>
+																					<DefectItemDescription>The hot water heater did not appear to be operational. No hot water.</DefectItemDescription>
+																					<DefectItemLocationType>Other</DefectItemLocationType>
+																					<DefectItemLocationTypeOtherDescription>Water Heater</DefectItemLocationTypeOtherDescription>
+																					<DefectItemRecommendedActionCompletedIndicator>true</DefectItemRecommendedActionCompletedIndicator>
+																					<DefectItemRecommendedActionCompletionDescription>Hot water working upon reinspection.</DefectItemRecommendedActionCompletionDescription>
+																					<DefectItemRecommendedActionInspectionDate>2009-08-21</DefectItemRecommendedActionInspectionDate>
+																				</DEFECT_DETAIL>
+																				<IMAGES>
+																					<IMAGE>
+																						<ImageCaptionCommentDescription>Water Heater</ImageCaptionCommentDescription>
+																						<ImageFileLocationIdentifier>\\Images\CR1_Water_Heater.png</ImageFileLocationIdentifier>
+																						<MIMETypeIdentifier>image/png</MIMETypeIdentifier>
+																					</IMAGE>
+																				</IMAGES>
+																			</DEFECT>
+																			<DEFECT>
+																				<DEFECT_DETAIL>
+																					<CompletionReportNewDefectIndicator>true</CompletionReportNewDefectIndicator>
+																					<DefectComponentLabelType>Flooring</DefectComponentLabelType>
+																					<DefectItemAffectsSoundnessStructuralIntegrityIndicator>false</DefectItemAffectsSoundnessStructuralIntegrityIndicator>
+																					<DefectItemDescription>Water damage to carpet.</DefectItemDescription>
+																					<DefectItemLocationType>Other</DefectItemLocationType>
+																					<DefectItemLocationTypeOtherDescription>Basement Den</DefectItemLocationTypeOtherDescription>
+																					<DefectItemRecommendedActionInspectionDate>2009-08-21</DefectItemRecommendedActionInspectionDate>
+																					<DefectItemRecommendedActionType>Repair</DefectItemRecommendedActionType>
+																				</DEFECT_DETAIL>
+																				<IMAGES>
+																					<IMAGE>
+																						<ImageCaptionCommentDescription>Basement Carpeting</ImageCaptionCommentDescription>
+																						<ImageFileLocationIdentifier>\\Images\CR1_Carpet.png</ImageFileLocationIdentifier>
+																						<MIMETypeIdentifier>image/png</MIMETypeIdentifier>
+																					</IMAGE>
+																				</IMAGES>
+																			</DEFECT>
+																		</DEFECTS>
+																	</PROPERTY_DEFECT>
+																</PROPERTY>
+															</PROPERTIES>
+															<VALUATION_REPORT>
+																<ADDITIONAL_IDENTIFIERS>
+																	<ADDITIONAL_IDENTIFIER>
+																		<AdditionalValuationIdentifier>456-8124</AdditionalValuationIdentifier>
+																		<AdditionalValuationIdentifierType>Client</AdditionalValuationIdentifierType>
+																	</ADDITIONAL_IDENTIFIER>
+																	<ADDITIONAL_IDENTIFIER>
+																		<AdditionalValuationIdentifier>123-456798</AdditionalValuationIdentifier>
+																		<AdditionalValuationIdentifierType>ValuationSoftwareVendor</AdditionalValuationIdentifierType>
+																	</ADDITIONAL_IDENTIFIER>
+																</ADDITIONAL_IDENTIFIERS>
+																<SCOPE_OF_WORK>
+																	<SCOPE_OF_WORK_DETAIL>
+																		<GovernmentAgencyAppraisalIndicator>false</GovernmentAgencyAppraisalIndicator>
+																		<ValuationAdditionalIntendedUserIndicator>false</ValuationAdditionalIntendedUserIndicator>
+																	</SCOPE_OF_WORK_DETAIL>
+																</SCOPE_OF_WORK>
+																<VALUATION_COMPLETION>
+																	<ORIGINAL_VALUATION_CONDITIONS>
+																		<ORIGINAL_VALUATION_CONDITION>
+																			<PropertyValuationConditionalConclusionType>SubjectToRepair</PropertyValuationConditionalConclusionType>
+																		</ORIGINAL_VALUATION_CONDITION>
+																	</ORIGINAL_VALUATION_CONDITIONS>
+																	<VALUATION_COMPLETION_DETAIL>
+																		<AppraisalCompletionCommentText>The subject property was reinspected due to a faulty water heater. The water heater has been repaired, but additional damage noted due to a water leak prior to the repair. The existing carpeting throughout the basement is damaged and this may affect the original assignment results. As such, the carpeting is required to be replaced.</AppraisalCompletionCommentText>
+																		<PersonalInspectionPerformedIndicator>true</PersonalInspectionPerformedIndicator>
+																	</VALUATION_COMPLETION_DETAIL>
+																</VALUATION_COMPLETION>
+																<VALUATION_REPORT_DETAIL>
+																	<AppraiserAdditionalCertificationIndicator>false</AppraiserAdditionalCertificationIndicator>
+																	<AppraiserFileIdentifier>LN32942301</AppraiserFileIdentifier>
+																	<OriginalAppraisalEffectiveDate>2009</OriginalAppraisalEffectiveDate>
+																	<OriginalAppraisedValueAmount>870000</OriginalAppraisedValueAmount>
+																	<OriginalAppraiserFileIdentifier>LN1265431</OriginalAppraiserFileIdentifier>
+																	<OriginalAppraiserUnparsedName>Jane Summers</OriginalAppraiserUnparsedName>
+																	<OriginalLenderUnparsedName>ABC Mortgage Company</OriginalLenderUnparsedName>
+																	<ValuationReportContentIdentifier>Completion Report Delivery Specification v1.1</ValuationReportContentIdentifier>
+																</VALUATION_REPORT_DETAIL>
+																<VALUATION_SOFTWARE_SYSTEMS>
+																	<VALUATION_SOFTWARE_SYSTEM>
+																		<ValuationSoftwareProductIdentifier>SATKIT</ValuationSoftwareProductIdentifier>
+																		<ValuationSoftwareProductName>Superb Appraising Toolkit</ValuationSoftwareProductName>
+																		<ValuationSoftwareProductVersionIdentifier>1.7</ValuationSoftwareProductVersionIdentifier>
+																		<ValuationSoftwareVendorName>Superb Appraisal Software Vendor, LLC</ValuationSoftwareVendorName>
+																	</VALUATION_SOFTWARE_SYSTEM>
+																</VALUATION_SOFTWARE_SYSTEMS>
+															</VALUATION_REPORT>
+														</VALUATION_ANALYSIS>
+													</VALUATION_ANALYSES>
+												</VALUATION_RESPONSE>
+											</VALUATION>
+											<PARTIES>
+												<PARTY>
+													<LEGAL_ENTITY>
+														<LEGAL_ENTITY_DETAIL>
+															<FullName>ABC Mortgage Company</FullName>
+														</LEGAL_ENTITY_DETAIL>
+													</LEGAL_ENTITY>
+													<ADDRESSES>
+														<ADDRESS>
+															<AddressLineText>456 Somewhere Ave</AddressLineText>
+															<CityName>Sometown</CityName>
+															<PostalCode>55555</PostalCode>
+															<StateCode>NV</StateCode>
+														</ADDRESS>
+													</ADDRESSES>
+													<ROLES>
+														<ROLE>
+															<ROLE_DETAIL>
+																<PartyRoleType>Lender</PartyRoleType>
+															</ROLE_DETAIL>
+														</ROLE>
+														<ROLE>
+															<ROLE_DETAIL>
+																<PartyRoleType>Client</PartyRoleType>
+															</ROLE_DETAIL>
+														</ROLE>
+													</ROLES>
+												</PARTY>
+												<PARTY>
+													<INDIVIDUAL>
+														<NAME>
+															<FirstName>BARBARA</FirstName>
+															<LastName>MCLEAN</LastName>
+														</NAME>
+													</INDIVIDUAL>
+													<ADDRESSES>
+														<ADDRESS>
+															<AddressLineText>22 A St NE</AddressLineText>
+															<CityName>Washington</CityName>
+															<PostalCode>10001</PostalCode>
+															<StateCode>DC</StateCode>
+														</ADDRESS>
+													</ADDRESSES>
+													<ROLES>
+														<ROLE xlink:label="ROLE_APPRAISER">
+															<APPRAISER>
+																<APPRAISER_DETAIL>
+																	<AppraiserCompanyName>XYZ Appraisal Company</AppraiserCompanyName>
+																</APPRAISER_DETAIL>
+															</APPRAISER>
+															<LICENSES>
+																<LICENSE>
+																	<APPRAISER_LICENSE>
+																		<AppraiserLicenseType>LicensedResidentialAppraiser</AppraiserLicenseType>
+																	</APPRAISER_LICENSE>
+																	<LICENSE_DETAIL>
+																		<LicenseExpirationDate>2028-10-21</LicenseExpirationDate>
+																		<LicenseIdentifier>4001005202</LicenseIdentifier>
+																		<LicenseIssuingAuthorityStateCode>VA</LicenseIssuingAuthorityStateCode>
+																	</LICENSE_DETAIL>
+																</LICENSE>
+															</LICENSES>
+															<ROLE_DETAIL>
+																<PartyRoleType>Appraiser</PartyRoleType>
+															</ROLE_DETAIL>
+														</ROLE>
+														<ROLE>
+															<SERVICE_PROVIDER>
+																<PROVIDED_SERVICES>
+																	<PROVIDED_SERVICE>
+																		<FeeType>AppraisalFee</FeeType>
+																		<ProvidedServiceActualCostAmount>0</ProvidedServiceActualCostAmount>
+																	</PROVIDED_SERVICE>
+																</PROVIDED_SERVICES>
+															</SERVICE_PROVIDER>
+														</ROLE>
+													</ROLES>
+												</PARTY>
+												<PARTY>
+													<INDIVIDUAL>
+														<NAME>
+															<FirstName>Michael</FirstName>
+															<LastName>Jones</LastName>
+														</NAME>
+													</INDIVIDUAL>
+													<ROLES>
+														<ROLE>
+															<ROLE_DETAIL>
+																<PartyRoleType>Borrower</PartyRoleType>
+															</ROLE_DETAIL>
+														</ROLE>
+													</ROLES>
+												</PARTY>
+												<PARTY>
+													<INDIVIDUAL>
+														<NAME>
+															<FirstName>Mary</FirstName>
+															<LastName>Jones</LastName>
+														</NAME>
+													</INDIVIDUAL>
+													<ROLES>
+														<ROLE>
+															<ROLE_DETAIL>
+																<PartyRoleType>Borrower</PartyRoleType>
+															</ROLE_DETAIL>
+														</ROLE>
+													</ROLES>
+												</PARTY>
+											</PARTIES>
+											<RELATIONSHIPS>
+												<RELATIONSHIP xlink:arcrole="urn:fdc:mismo.org:2009:residential/SIGNATORY_IsAssociatedWith_ROLE" xlink:from="SIGNATORY_APPRAISER" xlink:to="ROLE_APPRAISER"/>
+												<RELATIONSHIP xlink:arcrole="urn:fdc:mismo.org:2009:residential/INSPECTION_CompletedBy_ROLE" xlink:from="INSPECTION_APPRAISER" xlink:to="ROLE_APPRAISER"/>
+											</RELATIONSHIPS>
+											<SERVICE_DETAIL>
+												<ServiceType>Valuation</ServiceType>
+											</SERVICE_DETAIL>
+										</SERVICE>
+									</SERVICES>
+								</DEAL>
+							</DEALS>
+						</DEAL_SET>
+					</DEAL_SETS>
+					<SIGNATORIES>
+						<SIGNATORY xlink:label="SIGNATORY_APPRAISER">
+							<EXECUTION>
+								<EXECUTION_DETAIL>
+									<ExecutionDate>2009-08-21</ExecutionDate>
+								</EXECUTION_DETAIL>
+							</EXECUTION>
+						</SIGNATORY>
+					</SIGNATORIES>
+					<VIEWS>
+						<VIEW>
+							<VIEW_FILES>
+								<VIEW_FILE>
+									<FOREIGN_OBJECT>
+										<ObjectURL>\\CR1_CompletionReport_v1.1.pdf</ObjectURL>
+										<MIMETypeIdentifier>application/pdf</MIMETypeIdentifier>
+									</FOREIGN_OBJECT>
+								</VIEW_FILE>
+							</VIEW_FILES>
+						</VIEW>
+					</VIEWS>
+					<ABOUT_VERSIONS>
+						<ABOUT_VERSION>
+							<AboutVersionIdentifier>1</AboutVersionIdentifier>
+						</ABOUT_VERSION>
+					</ABOUT_VERSIONS>
+					<DOCUMENT_CLASSIFICATION>
+						<DOCUMENT_CLASSES>
+							<DOCUMENT_CLASS>
+								<DocumentType>ValuationCompletion</DocumentType>
+							</DOCUMENT_CLASS>
+						</DOCUMENT_CLASSES>
+						<DOCUMENT_CLASSIFICATION_DETAIL>
+							<DocumentFormIssuingEntityNameType>FNM_FRE</DocumentFormIssuingEntityNameType>
+							<DocumentFormIssuingEntityVersionIdentifier>December 2023</DocumentFormIssuingEntityVersionIdentifier>
+						</DOCUMENT_CLASSIFICATION_DETAIL>
+					</DOCUMENT_CLASSIFICATION>
+				</DOCUMENT>
+			</DOCUMENTS>
+		</DOCUMENT_SET>
+	</DOCUMENT_SETS>
+</MESSAGE>

Technology_Integration_Resources___Fannie_Mae/links/_/fha-county-names-txt

@@ -0,0 +1,3227 @@
+SC	ABBEVILLE
+LA	ACADIA
+VA	ACCOMACK
+ID	ADA
+IA	ADAIR
+OK	ADAIR
+KY	ADAIR
+MO	ADAIR
+IA	ADAMS
+ND	ADAMS
+NE	ADAMS
+IN	ADAMS
+WI	ADAMS
+OH	ADAMS
+MS	ADAMS
+CO	ADAMS
+ID	ADAMS
+WA	ADAMS
+IL	ADAMS
+PA	ADAMS
+VT	ADDISON
+PR	ADJUNTAS
+PR	AGUADA
+PR	AGUADILLA
+PR	AGUAS BUENAS
+PR	AIBONITO
+SC	AIKEN
+MN	AITKIN
+FL	ALACHUA
+NC	ALAMANCE
+CA	ALAMEDA
+CO	ALAMOSA
+NY	ALBANY
+WY	ALBANY
+VA	ALBEMARLE
+MI	ALCONA
+MS	ALCORN
+AK	ALEUTIANS EAST
+AK	ALEUTIANS WEST
+IL	ALEXANDER
+NC	ALEXANDER
+VA	ALEXANDRIA
+OK	ALFALFA
+MI	ALGER
+IA	ALLAMAKEE
+MI	ALLEGAN
+NY	ALLEGANY
+MD	ALLEGANY
+VA	ALLEGHANY
+NC	ALLEGHANY
+PA	ALLEGHENY
+IN	ALLEN
+LA	ALLEN
+KS	ALLEN
+OH	ALLEN
+KY	ALLEN
+SC	ALLENDALE
+MI	ALPENA
+CA	ALPINE
+CA	AMADOR
+VA	AMELIA
+AS	AMERICAN SAMOA
+VA	AMHERST
+MS	AMITE
+PR	ANASCO
+AK	ANCHORAGE
+SC	ANDERSON
+KS	ANDERSON
+KY	ANDERSON
+TX	ANDERSON
+TN	ANDERSON
+MO	ANDREW
+TX	ANDREWS
+ME	ANDROSCOGGIN
+TX	ANGELINA
+MD	ANNE ARUNDEL
+MN	ANOKA
+NC	ANSON
+NE	ANTELOPE
+MI	ANTRIM
+AZ	APACHE
+IA	APPANOOSE
+GA	APPLING
+VA	APPOMATTOX
+TX	ARANSAS
+CO	ARAPAHOE
+TX	ARCHER
+CO	ARCHULETA
+PR	ARECIBO
+MI	ARENAC
+AR	ARKANSAS
+VA	ARLINGTON
+PA	ARMSTRONG
+TX	ARMSTRONG
+ME	AROOSTOOK
+PR	ARROYO
+NE	ARTHUR
+LA	ASCENSION
+NC	ASHE
+OH	ASHLAND
+WI	ASHLAND
+AR	ASHLEY
+OH	ASHTABULA
+WA	ASOTIN
+LA	ASSUMPTION
+TX	ATASCOSA
+MO	ATCHISON
+KS	ATCHISON
+OH	ATHENS
+GA	ATKINSON
+NJ	ATLANTIC
+OK	ATOKA
+MS	ATTALA
+MO	AUDRAIN
+IA	AUDUBON
+OH	AUGLAIZE
+VA	AUGUSTA
+SD	AURORA
+TX	AUSTIN
+AL	AUTAUGA
+NC	AVERY
+LA	AVOYELLES
+CO	BACA
+GA	BACON
+TX	BAILEY
+FL	BAKER
+OR	BAKER
+GA	BAKER
+GA	BALDWIN
+AL	BALDWIN
+KY	BALLARD
+MD	BALTIMORE
+MD	BALTIMORE CITY
+SC	BAMBERG
+TX	BANDERA
+GA	BANKS
+NE	BANNER
+ID	BANNOCK
+MI	BARAGA
+KS	BARBER
+AL	BARBOUR
+WV	BARBOUR
+PR	BARCELONETA
+ND	BARNES
+MA	BARNSTABLE
+SC	BARNWELL
+PR	BARRANQUITAS
+KY	BARREN
+WI	BARRON
+GA	BARROW
+MO	BARRY
+MI	BARRY
+IN	BARTHOLOMEW
+KS	BARTON
+MO	BARTON
+GA	BARTOW
+TX	BASTROP
+MO	BATES
+VA	BATH
+KY	BATH
+AR	BAXTER
+FL	BAY
+MI	BAY
+PR	BAYAMON
+WI	BAYFIELD
+TX	BAYLOR
+SD	BEADLE
+ID	BEAR LAKE
+SC	BEAUFORT
+NC	BEAUFORT
+LA	BEAUREGARD
+PA	BEAVER
+OK	BEAVER
+UT	BEAVER
+MT	BEAVERHEAD
+MN	BECKER
+OK	BECKHAM
+VA	BEDFORD
+TN	BEDFORD
+PA	BEDFORD
+VA	BEDFORD IND
+TX	BEE
+NH	BELKNAP
+TX	BELL
+KY	BELL
+OH	BELMONT
+MN	BELTRAMI
+GA	BEN HILL
+ID	BENEWAH
+SD	BENNETT
+VT	BENNINGTON
+ND	BENSON
+CO	BENT
+TN	BENTON
+IA	BENTON
+MS	BENTON
+IN	BENTON
+OR	BENTON
+WA	BENTON
+MO	BENTON
+AR	BENTON
+MN	BENTON
+MI	BENZIE
+NJ	BERGEN
+WV	BERKELEY
+SC	BERKELEY
+PA	BERKS
+MA	BERKSHIRE
+NM	BERNALILLO
+MI	BERRIEN
+GA	BERRIEN
+NC	BERTIE
+AK	BETHEL
+TX	BEXAR
+GA	BIBB
+AL	BIBB
+LA	BIENVILLE
+MT	BIG HORN
+WY	BIG HORN
+MN	BIG STONE
+ND	BILLINGS
+ID	BINGHAM
+IA	BLACK HAWK
+IN	BLACKFORD
+NC	BLADEN
+ID	BLAINE
+NE	BLAINE
+OK	BLAINE
+MT	BLAINE
+PA	BLAIR
+TX	BLANCO
+VA	BLAND
+GA	BLECKLEY
+TN	BLEDSOE
+AL	BLOUNT
+TN	BLOUNT
+MN	BLUE EARTH
+ID	BOISE
+MS	BOLIVAR
+MO	BOLLINGER
+SD	BON HOMME
+IL	BOND
+ID	BONNER
+ID	BONNEVILLE
+IN	BOONE
+IL	BOONE
+NE	BOONE
+MO	BOONE
+WV	BOONE
+IA	BOONE
+KY	BOONE
+AR	BOONE
+TX	BORDEN
+TX	BOSQUE
+LA	BOSSIER
+VA	BOTETOURT
+ND	BOTTINEAU
+CO	BOULDER
+ID	BOUNDARY
+KY	BOURBON
+KS	BOURBON
+TX	BOWIE
+ND	BOWMAN
+NE	BOX BUTTE
+UT	BOX ELDER
+KY	BOYD
+NE	BOYD
+KY	BOYLE
+KY	BRACKEN
+FL	BRADFORD
+PA	BRADFORD
+TN	BRADLEY
+AR	BRADLEY
+MI	BRANCH
+GA	BRANTLEY
+WV	BRAXTON
+TX	BRAZORIA
+TX	BRAZOS
+KY	BREATHITT
+KY	BRECKINRIDGE
+IA	BREMER
+FL	BREVARD
+TX	BREWSTER
+TX	BRISCOE
+MA	BRISTOL
+RI	BRISTOL
+VA	BRISTOL
+AK	BRISTOL BAY
+MT	BROADWATER
+NY	BRONX
+WV	BROOKE
+SD	BROOKINGS
+GA	BROOKS
+TX	BROOKS
+NY	BROOME
+CO	BROOMFIELD
+FL	BROWARD
+MN	BROWN
+TX	BROWN
+IN	BROWN
+NE	BROWN
+KS	BROWN
+OH	BROWN
+WI	BROWN
+IL	BROWN
+SD	BROWN
+SD	BRULE
+VA	BRUNSWICK
+NC	BRUNSWICK
+OK	BRYAN
+GA	BRYAN
+IA	BUCHANAN
+VA	BUCHANAN
+MO	BUCHANAN
+VA	BUCKINGHAM
+PA	BUCKS
+IA	BUENA VISTA
+VA	BUENA VISTA
+NE	BUFFALO
+SD	BUFFALO
+WI	BUFFALO
+KY	BULLITT
+GA	BULLOCH
+AL	BULLOCK
+NC	BUNCOMBE
+IL	BUREAU
+NC	BURKE
+ND	BURKE
+GA	BURKE
+ND	BURLEIGH
+TX	BURLESON
+NJ	BURLINGTON
+TX	BURNET
+WI	BURNETT
+NE	BURT
+MO	BUTLER
+AL	BUTLER
+KY	BUTLER
+PA	BUTLER
+KS	BUTLER
+IA	BUTLER
+NE	BUTLER
+OH	BUTLER
+CA	BUTTE
+SD	BUTTE
+ID	BUTTE
+GA	BUTTS
+NC	CABARRUS
+WV	CABELL
+PR	CABO ROJO
+UT	CACHE
+OK	CADDO
+LA	CADDO
+PR	CAGUAS
+CA	CALAVERAS
+LA	CALCASIEU
+TX	CALDWELL
+LA	CALDWELL
+MO	CALDWELL
+KY	CALDWELL
+NC	CALDWELL
+VT	CALEDONIA
+IL	CALHOUN
+WV	CALHOUN
+AL	CALHOUN
+SC	CALHOUN
+FL	CALHOUN
+MS	CALHOUN
+GA	CALHOUN
+AR	CALHOUN
+TX	CALHOUN
+MI	CALHOUN
+IA	CALHOUN
+TX	CALLAHAN
+MO	CALLAWAY
+KY	CALLOWAY
+WI	CALUMET
+MD	CALVERT
+ID	CAMAS
+PA	CAMBRIA
+NC	CAMDEN
+NJ	CAMDEN
+MO	CAMDEN
+GA	CAMDEN
+TX	CAMERON
+LA	CAMERON
+PA	CAMERON
+TX	CAMP
+WY	CAMPBELL
+SD	CAMPBELL
+KY	CAMPBELL
+TN	CAMPBELL
+VA	CAMPBELL
+PR	CAMUY
+OK	CANADIAN
+GA	CANDLER
+TN	CANNON
+PR	CANOVANAS
+ID	CANYON
+MO	CAPE GIRARDEAU
+NJ	CAPE MAY
+MT	CARBON
+UT	CARBON
+PA	CARBON
+WY	CARBON
+ID	CARIBOU
+KY	CARLISLE
+MN	CARLTON
+PR	CAROLINA
+MD	CAROLINE
+VA	CAROLINE
+MO	CARROLL
+MD	CARROLL
+VA	CARROLL
+NH	CARROLL
+IL	CARROLL
+TN	CARROLL
+KY	CARROLL
+IN	CARROLL
+OH	CARROLL
+GA	CARROLL
+AR	CARROLL
+IA	CARROLL
+MS	CARROLL
+TX	CARSON
+NV	CARSON CITY
+OK	CARTER
+KY	CARTER
+MT	CARTER
+MO	CARTER
+TN	CARTER
+NC	CARTERET
+MN	CARVER
+MT	CASCADE
+KY	CASEY
+MO	CASS
+MI	CASS
+IN	CASS
+ND	CASS
+TX	CASS
+NE	CASS
+IL	CASS
+MN	CASS
+IA	CASS
+ID	CASSIA
+TX	CASTRO
+NC	CASWELL
+LA	CATAHOULA
+PR	CATANO
+NC	CATAWBA
+GA	CATOOSA
+NM	CATRON
+NY	CATTARAUGUS
+ND	CAVALIER
+PR	CAYEY
+NY	CAYUGA
+MD	CECIL
+IA	CEDAR
+NE	CEDAR
+MO	CEDAR
+PR	CEIBA
+PA	CENTRE
+IA	CERRO GORDO
+CO	CHAFFEE
+AL	CHAMBERS
+TX	CHAMBERS
+IL	CHAMPAIGN
+OH	CHAMPAIGN
+MO	CHARITON
+MD	CHARLES
+VA	CHARLES CITY
+SD	CHARLES MIX
+SC	CHARLESTON
+MI	CHARLEVOIX
+FL	CHARLOTTE
+VA	CHARLOTTE
+VA	CHARLOTTESVILLE
+GA	CHARLTON
+KS	CHASE
+NE	CHASE
+GA	CHATHAM
+NC	CHATHAM
+GA	CHATTAHOOCHEE
+GA	CHATTOOGA
+KS	CHAUTAUQUA
+NY	CHAUTAUQUA
+NM	CHAVES
+TN	CHEATHAM
+MI	CHEBOYGAN
+WA	CHELAN
+NY	CHEMUNG
+NY	CHENANGO
+GA	CHEROKEE
+IA	CHEROKEE
+KS	CHEROKEE
+OK	CHEROKEE
+TX	CHEROKEE
+AL	CHEROKEE
+NC	CHEROKEE
+SC	CHEROKEE
+NE	CHERRY
+VA	CHESAPEAKE
+NH	CHESHIRE
+PA	CHESTER
+SC	CHESTER
+TN	CHESTER
+VA	CHESTERFIELD
+SC	CHESTERFIELD
+CO	CHEYENNE
+NE	CHEYENNE
+KS	CHEYENNE
+IA	CHICKASAW
+MS	CHICKASAW
+AR	CHICOT
+TX	CHILDRESS
+AL	CHILTON
+MN	CHIPPEWA
+MI	CHIPPEWA
+WI	CHIPPEWA
+MN	CHISAGO
+VT	CHITTENDEN
+AL	CHOCTAW
+MS	CHOCTAW
+OK	CHOCTAW
+MT	CHOUTEAU
+NC	CHOWAN
+KY	CHRISTIAN
+MO	CHRISTIAN
+IL	CHRISTIAN
+NV	CHURCHILL
+PR	CIALES
+NM	CIBOLA
+PR	CIDRA
+OK	CIMARRON
+FL	CITRUS
+OR	CLACKAMAS
+MS	CLAIBORNE
+TN	CLAIBORNE
+LA	CLAIBORNE
+WA	CLALLAM
+MI	CLARE
+SC	CLARENDON
+PA	CLARION
+KY	CLARK
+AR	CLARK
+SD	CLARK
+WI	CLARK
+KS	CLARK
+NV	CLARK
+WA	CLARK
+IN	CLARK
+MO	CLARK
+IL	CLARK
+ID	CLARK
+OH	CLARK
+AL	CLARKE
+GA	CLARKE
+MS	CLARKE
+IA	CLARKE
+VA	CLARKE
+OR	CLATSOP
+NE	CLAY
+KS	CLAY
+WV	CLAY
+MO	CLAY
+MN	CLAY
+TX	CLAY
+AL	CLAY
+IL	CLAY
+NC	CLAY
+TN	CLAY
+GA	CLAY
+MS	CLAY
+KY	CLAY
+SD	CLAY
+IA	CLAY
+FL	CLAY
+IN	CLAY
+AR	CLAY
+GA	CLAYTON
+IA	CLAYTON
+CO	CLEAR CREEK
+PA	CLEARFIELD
+MN	CLEARWATER
+ID	CLEARWATER
+AR	CLEBURNE
+AL	CLEBURNE
+OH	CLERMONT
+OK	CLEVELAND
+AR	CLEVELAND
+NC	CLEVELAND
+GA	CLINCH
+MO	CLINTON
+IL	CLINTON
+KY	CLINTON
+PA	CLINTON
+IA	CLINTON
+IN	CLINTON
+MI	CLINTON
+NY	CLINTON
+OH	CLINTON
+KS	CLOUD
+MS	COAHOMA
+OK	COAL
+PR	COAMO
+GA	COBB
+AZ	COCHISE
+TX	COCHRAN
+TN	COCKE
+AZ	COCONINO
+SD	CODINGTON
+TN	COFFEE
+AL	COFFEE
+GA	COFFEE
+KS	COFFEY
+TX	COKE
+AL	COLBERT
+MO	COLE
+TX	COLEMAN
+IL	COLES
+NE	COLFAX
+NM	COLFAX
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