Freddie Mac Single-Family Seller/Servicer Guide Section 6302.5 — Loan data required for all Mortgages

Freddie Mac Single-Family Seller/Servicer Guide Section 6302.5 — Loan data required for all Mortgages

6302.5: Loan data required for all Mortgages (02/04/26) ■ General requirements ■ Data delivery instructions (a) General requirements This section sets forth the ULDD Data Points that have general applicability for all Mortgages sold to Freddie Mac. The delivery instructions in subsequent sections of this chapter relate to the specific attributes of the Mortgage Product, the property and Borrower information, and the special features or characteristics of the Mortgage. The delivery instructions in subsequent sections are cumulative and may supplement or modify the instructions in this section. See Section 6302.1 for further information. See Sections 6302.2 through 6302.4 for instructions for specific programs under which the Mortgage is delivered. (b) Data delivery instructions (i) All Mortgages For every Mortgage sold to Freddie Mac, the Seller must deliver the following ULDD Data Points: Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-15 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes LOAN – Closing 93 Loan Role Type1, 2 Subject Loan 252 Loan State Date1 Enter the Note Date of the Mortgage. 253 Loan State Type1, 2 At Closing → Product Details 313 Lien Priority Type First Lien 317/318 Mortgage Type/Mortgage Type Other Description (In Loan Selling Advisor®, this appears as “Mortgage Type.”) ▪ Conventional ▪ FHA ▪ Other – Public And Indian Housing ▪ USDA Rural Housing ▪ VA Enter “Conventional” unless the Mortgage is a government loan. The related Glossary term for “Conventional” is Home Mortgage. The related Glossary term for “USDA Rural Housing” is Section 502 GRH Mortgage. 215 Interest Calculation Type Simple 214 Interest Calculation Period Type Month 270 Payment Frequency Type Monthly 226 Balloon Indicator False 238 Loan Affordable Indicator ▪ false ▪ true Enter “false” unless the Mortgage is a Home Possible Mortgage. 138 Loan Amortization Type2 ▪ Adjustable Rate ▪ Fixed 137 Loan Amortization Period Type Month 136 Loan Amortization Period Count →Note Details 320 Note Date Enter the original Note Date. 319 Note Amount2 321 Note Rate Percent Enter the original interest rate as indicated on the Note. 194 Borrower Paid Discount Points Total Amount Enter the dollar amount of all discount points that were paid by the Borrower. Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-16 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes 272 Scheduled First Payment Date 268 Initial Principal And Interest Payment Amount 258 Loan Maturity Period Type Month 256 Loan Maturity Date 257 Loan Maturity Period Count →Temporary Buydown Details 228 Buydown Temporary Subsidy Indicator ▪ false ▪ true Enter “false” unless the Mortgage has a temporary subsidy buydown. →Conversion Option Details 232 Convertible Indicator ▪ false ▪ true Enter “false” unless the Mortgage has, or ever had, a conversion option. →Assumability Details 225 Assumability Indicator ▪ false ▪ true Enter “false” unless the Mortgage is assumable as of the Note Date. →Prepayment Penalty Details 240 Prepayment Penalty Indicator false Freddie Mac considers a Mortgage to be a Prepayment Penalty Mortgage if it is currently subject to, or has ever been subject to, a penalty for prepayments of principal. Enter “false” unless the Mortgage has, or ever had, a prepayment penalty provision. →Interest Only Details 237 Interest Only Indicator False → Origination Details 224 Application Received Date Enter the date on which receipt of the Borrower’s financial information first triggers the federal Truth-in-Lending disclosure requirements to the Borrower in connection with the Mortgage. 311 Price Lock Datetime Enter the value that corresponds with the Rate Set Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-17 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes This data point appears as Borrower Price Lock Date in Loan Selling Advisor Date used in determining Sort ID 208- HMDARateSpreadPercent in accordance with the 2015 HMDA Final Rule. Only the date is required; the time will be ignored. 227 Borrower Count Enter the total number of Borrowers on the Note (can be more than five). 229 Capitalized Loan Indicator ▪ false ▪ true Enter “false” unless the capitalized balance was added to the unpaid principal balance (UPB) of the Note prior to delivery. 234 Escrow Indicator ▪ false ▪ true Enter “false” unless there is an Escrow associated with this Mortgage. 207 HMDA HOEPA Loan Status Indicator false Required even if the Seller is not covered by HMDA. 208 HMDA Rate Spread Percent Enter the rate spread if required pursuant to HMDA Reporting. Enter the spread (difference) between the annual percentage rate (APR) on the Mortgage and the Average Prime Offer Rate (APOR). Do not enter the APR, APOR or Note Rate. The rate spread should be calculated consistent with the methodology provided in HMDA (Regulation C) and the requirements for determining Higher Priced Mortgage Loans (Regulation Z). For Mortgages with a rate spread reported under HMDA, a Seller should deliver to Freddie Mac the same rate spread reported under HMDA. → Funds Needed to Close Details Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-18 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes 172 Down Payment Amount If available, enter Down Payment data. The Down Payment amount is the difference between the purchase price and the original UPB of the Mortgage (excluding any financed mortgage insurance premium amounts). See ULDD Appendix A – Freddie Mac XML Data Requirements for specific mapping of ULAD enumerations to the valid values of ULDD Data Points Down Payment Source Type and Down Payment Type. For Mortgages originated with gifts and grants from the Seller as the originating lender, enter the valid value of “Originating Lender” for ULDD Data Point Down Payment Source Type and “Other Type of Down 173/174 Down Payment Source Type/Down Payment Source Type Other Description (In Loan Selling Advisor®, this appears as “Down Payment Source Type.”) • Borrower • Community Non Profit • Employer • Federal Agency • Local Agency • Relative • Religious Non Profit • State Agency • Originating Lender • Other - Aggregated Remaining Source Types • Other - FHLB Affordable Housing Program • Other - USDA Rural Housing Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-19 175/176 Down Payment Type/Down Payment Type Other Description (In Loan Selling Advisor, this appears as “Down Payment Type.”) • Bridge Loan • Cash On Hand • Checking Savings • Equity On Sold Property • Equity On Subject Property • Forgivable Secured Loan • Gift Funds • Life Insurance Cash Value • Lot Equity • Rent With Option To Purchase • Sale Of Chattel • Secured Borrowed Funds • Stocks And Bonds • Sweat Equity • Trade Equity • Trust Funds • Unsecured Borrowed Funds • Other Type Of Down Payment - Aggregated Remaining Types • Other Type Of Down Payment - Grant • Other Type Of Down Payment - Payment – Grant” for ULDD Data Point Down Payment Type Other Description. Enter “Originating Lender” for all lender sources. Enter Down Payment ULDD Data Points as follows: 1. Sort all Down Payment amounts by “Down Payment Source Type” (source) and “Down Payment Type” (type) combinations. 2. Sum together amounts from like source – type pairs 3. After summing: a. If there are 4 or fewer source – type pairs, enter the values for each “Down Payment Amount” (amount) source and type combination. b. If there are more than 4 source – type pairs, use the following prioritization for the first 3 values: ▪ Enter in descending order the amount, source and type for pairs with “Down Payment Source Type – Borrower.” ▪ Enter in descending order the amount, source and type for any remaining source – type pairs, up to a total of three. c. Sum the amounts for any remaining source – type pairs and enter this as the fourth value for “Down Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-20 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes Secondary Financing • Closed End • Other Type Of Down Payment - Secondary Financing HELOC Payment Amount.” Enter “Other - Aggregated Remaining Source Types” as the fourth “Down Payment Source Type” value. Enter “Other - Aggregated Remaining Types” as the fourth “Down Payment Type” value. 151 Closing Cost Contribution Amount If available, enter Closing Cost data. Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-21 152/153 Closing Cost Funds Type/Closing Cost Funds Type Other Description (In Loan Selling Advisor, this appears as “Closing Cost Funds Type.”) • Bridge Loan • Cash On Hand • Checking Savings • Contribution • Credit Card • Equity On Sold Property • Equity On Subject Property • Forgivable Secured Loan • Gift Funds • Grant • Life Insurance Cash Value • Lot Equity • Premium Funds • Rent With Option To Purchase • Retirement Funds • Sale Of Chattel • Secured Loan • Stocks And Bonds • Sweat Equity • Trade Equity • Trust Funds • Unsecured Borrowed Funds • Other - Aggregated Remaining Types • Other - Secondary Financing Closed End For Mortgages originated with lender credit, enter the valid value of “Premium Funds” for ULDD Data Point, Closing Cost Funds Type, and “Lender” for ULDD Data Point, Closing Cost Source Type. Enter Closing Cost ULDD Data Points as follows: 1. Sort all Closing Cost contributions by “Closing Cost Funds Type” (type) and “Closing Cost Source Type” (source). 2. Sum together amounts from like type – source pairs. 3. After summing: a. If there are 4 or fewer type – source pairs, enter the values for each “Closing Cost Contribution Amount” (amount), type and source combination. b. If there are more than 4 type – source pairs, use the following prioritization for the first 3 values: • Enter in descending order the amount, type, and source for pairs with “Closing Cost Source Type” = “Borrower.” • Enter in descending order the amount, type and source for any Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-22 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes • Other - Secondary Financing HELOC remaining pairs, up to a total of three. c. Sum the amounts for any remaining type – source pairs and enter this as the fourth value for “Closing Cost Contribution Amount.” Enter “Other-Aggregated Remaining Types” as the fourth “Closing Cost Funds Type” value. Enter “Other-Aggregated Remaining Source Types” as the fourth “Closing Cost Source Type” value. 154/155 Closing Cost Source Type/Closing Cost Source Type Other Description (In Loan Selling Advisor, this appears as “Closing Cost Source Type.”) ▪ Borrower ▪ Community Non Profit ▪ Employer ▪ Federal Agency ▪ Lender ▪ Local Agency ▪ Property Seller ▪ Relative ▪ Religious Non Profit ▪ State Agency ▪ Other – Aggregated Remaining Source Types ▪ Other – FHLB Affordable Housing Program ▪ Other – USDA Rural Housing →Loan Details 315 Loan Purpose Type ▪ Purchase ▪ Refinance Enter “Purchase” for purchase transaction Mortgages. 195 Purchase Price Amount For purchase transaction Mortgages, enter the purchase price of the property, net of any adjustments made for sales concessions. Round down to the nearest whole number. Not required for refinance transaction Mortgages. 241 Relocation Loan Indicator ▪ false ▪ true Enter “false” unless the Mortgage is a fixed-rate Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-23 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes Mortgage that complies with Section 6202.3. 243 Shared Equity Indicator ▪ false ▪ true Enter “false” unless the Mortgage is a shared equity Mortgage that meets the requirements of Section 4204.4. →Construction Details 231 Construction Loan Indicator ▪ false ▪ true Enter “false” unless the Mortgage is a Construction to Permanent Mortgage or Renovation Mortgage. →Underwriting Details 328 Loan Manual Underwriting Indicator ▪ false ▪ true Enter “false” unless the loan underwriting decision is based on manual underwriting and not the recommendation from an automated underwriting system. →Additional Underwriting Details 291 Total Monthly Income Amount Enter the aggregate of ULDD Data Point Borrower Qualifying Income Amount (Sort ID 573) for all Borrowers. Round to the nearest dollar. 287 Borrower Reserves Monthly Payment Count Enter the total number of monthly payments available from all Borrowers’ reserves, as described in Sections 5501.2, 5501.3 and 5501.4. 244 Total Mortgaged Properties Count Enter the total number of financed one- to four-unit properties that any of the Borrowers are obligated on. Do not include commercial properties or timeshares. The subject property is included in the property count. Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-24 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes 292 Total Monthly Proposed Housing Expense Amount Enter the sum of the monthly charges on the Borrowers’ Primary Residences as described in Section 5401.1 for all Borrowers. Round to the nearest dollar. For ARMs, enter the monthly housing expense calculated using the Mortgage payment the Borrower is making at the time the Seller delivers the Mortgage. Round to the nearest dollar. For second home or Investment Property Mortgages, do not include the housing expense of the subject property. 290 Total Liabilities Monthly Payment Amount Enter the monthly debt payment as defined in Section 5401.2. Round to the nearest dollar. For ARMs, enter the monthly debt payment calculated using the monthly housing expense determined using the Mortgage payment the Borrower is making at the time the Seller delivers the Mortgage. Round to the nearest dollar. →Delivered LTV Values 254 Base LTV Ratio Percent If there is no financed mortgage insurance, “Base LTV Ratio Percent” equals “LTV Ratio Percent.” See Section 4701.2(a). 255 LTV Ratio Percent Enter the LTV Ratio calculated in accordance with Section 4203.1(a). LOAN – Current 352 Loan Role Type1, 2 Subject Loan Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-25 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes 405 Loan State Date1 Enter the date the data is retrieved from the lender’s delivery system. 406 Loan State Type1, 2 Current →Modification Details 397 Mortgage Modification Indicator ▪ false ▪ true Enter “false” unless the Mortgage is a Seller-Owned Modified Mortgage or a Construction to Permanent Mortgage or Renovation Mortgage with modification Agreement. →Product Details 403.1/403.2 Loan Identifier (In Loan Selling Advisor, this appears as “Universal Loan Identifier”.) Enter the Universal Loan Identifier (ULI), if required pursuant to HMDA Reporting and available at loan delivery. 401 MERS MIN Identifier Enter if the Mortgage is registered with MERS®. 408.1/408.2 MERS Registration Status Type/MERS Registration Status Type Other Description (In Loan Selling Advisor, this appears as “MERS Registration Status Type”.) ▪ Active ▪ Other – Not Registered On MERS System Enter “Active” if the loan registration status is currently active on the MERS System. Enter “Other - Not Registered On MERS System” if the loan registration status is not active or not registered on the MERS System. 402 Seller Loan Identifier2 Enter the seller loan identifier, and not the Freddie Mac loan number. 398.2 Remote Online Notarization Indicator ▪ false ▪ true Enter “true” for Mortgages with remote online notarization, as described in Section 1401.3(f). 378 Investor Ownership Percent 100 Value must always be “100.” →Payment Details 385 Loan Acquisition Scheduled UPB Amount Enter value as required in Sections 6302.2, 6302.3 and 6302.4. 440 Last Paid Installment Due Date Enter value as required in Sections 6302.2, 6302.3 and 6302.4. Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-26 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes The related Glossary term is DDLPI. 442 UPB Amount3 (In Loan Selling Advisor, this appears as “Current UPB Amount.”) Enter the actual balance of the Mortgage as of the last paid installment. 452 Delinquent Payments Over Past Twelve Months Count The related Glossary term is Delinquency. TOTAL LOANS → Delivered LTV Values 91 Combined LTV Ratio Percent Enter the total loan-to-value (TLTV) ratio calculated in accordance with Section 4203.1(a). PARTY → Loan Originator Details 628 Party Role Type1 Loan Origination Company 627 Party Role Identifier (In Loan Selling Advisor, this appears as “Loan Origination Company Identifier.”) Enter the loan origination company’s unique identifier as assigned by the Nationwide Mortgage Licensing System (NMLS) and Registry. 637 Party Role Type1 Loan Originator 634 Party Role Identifier (In Loan Selling Advisor, this appears as “Loan Originator Identifier.”) Either: ■ Enter the loan officer’s unique identifier as assigned by the Nationwide Mortgage Licensing System and Registry; or ■ If a loan officer is exempt from obtaining or is not required to obtain a loan originator identifier through the NMLS, enter “1000” 635 Loan Originator Type ▪ Broker ▪ Correspondent ▪ Lender See Glossary terms for Mortgage Broker and Correspondent and select Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-27 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes applicable value. For Retail Mortgages, select “Lender.” PARTY → Warehouse Lender Details 398.1 Warehouse Lender Indicator4 ▪ false ▪ true Enter “false” unless the Mortgage was a Pledged Mortgage subject to a warehouse financing arrangement at delivery. 1 This data point name does not appear as a Loan Selling Advisor input field, but instead is reflected in a screen heading or section. 2 This data point must be populated to save the file in Loan Selling Advisor. 3 The UPB amount on the loan is the actual balance of the Mortgage as of the last paid installment. 4 This data point was made available in Loan Selling Advisor beginning June 5, 2017. See Bulletin 2017-2. See Section 6302.10 for Loan Product Advisor® Mortgages and Section 6302.11 for Non- Loan Product Advisor Mortgages. (ii) Mortgages with electronic documentation For eMortgages, the Seller must deliver the following ULDD Data Points: Data Required for eMortgages Sort ID ULDD Data Point Valid Value Notes LOAN – Closing →Note Details 233 ENote Indicator true Enter “true” for eMortgages, as described in Chapter 1402. LOAN – Current → Product Details 401 MERS MIN Identifier Required for all eMortgages Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-28 (iii) Mortgages closed with Remote Ink Notarization For Mortgages closed with Remote Ink Notarization, the Seller must deliver the following ULDD Data Points: Data Required for Mortgages closed with Remote Ink Notarization Sort ID ULDD Data Point Valid Value Notes LOAN – Current → Product Details 368 Investor Feature Identifier J95 Enter this value for Mortgages with Remote Ink Notarization, as described in Section 1401.3(g). 6302.5: Loan data required for all Mortgages (Future effective date 07/01/26) ■ General requirements ■ Data delivery instructions (a) General requirements This section sets forth the ULDD Data Points that have general applicability for all Mortgages sold to Freddie Mac. The delivery instructions in subsequent sections of this chapter relate to the specific attributes of the Mortgage Product, the property and Borrower information, and the special features or characteristics of the Mortgage. The delivery instructions in subsequent sections are cumulative and may supplement or modify the instructions in this section. See Section 6302.1 for further information. See Sections 6302.2 through 6302.4 for instructions for specific programs under which the Mortgage is delivered. (b) Data delivery instructions (i) All Mortgages For every Mortgage sold to Freddie Mac, the Seller must deliver the following ULDD Data Points: Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-29 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes LOAN – Closing 93 Loan Role Type1, 2 Subject Loan 252 Loan State Date1 Enter the Note Date of the Mortgage. 253 Loan State Type1, 2 At Closing → Product Details 313 Lien Priority Type First Lien 317/318 Mortgage Type/Mortgage Type Other Description (In Loan Selling Advisor®, this appears as “Mortgage Type.”) ▪ Conventional ▪ FHA ▪ Other – Public And Indian Housing ▪ USDA Rural Housing ▪ VA Enter “Conventional” unless the Mortgage is a government loan. The related Glossary term for “Conventional” is Home Mortgage. The related Glossary term for “USDA Rural Housing” is Section 502 GRH Mortgage. 215 Interest Calculation Type Simple 214 Interest Calculation Period Type Month 270 Payment Frequency Type Monthly 226 Balloon Indicator False 238 Loan Affordable Indicator ▪ false ▪ true Enter “false” unless the Mortgage is a Home Possible Mortgage. 138 Loan Amortization Type2 ▪ Adjustable Rate ▪ Fixed 137 Loan Amortization Period Type Month 136 Loan Amortization Period Count →Note Details 320 Note Date Enter the original Note Date. 319 Note Amount2 321 Note Rate Percent Enter the original interest rate as indicated on the Note. 194 Borrower Paid Discount Points Total Amount Enter the dollar amount of all discount points that were paid by the Borrower. Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-30 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes 272 Scheduled First Payment Date 268 Initial Principal And Interest Payment Amount 258 Loan Maturity Period Type Month 256 Loan Maturity Date 257 Loan Maturity Period Count →Temporary Buydown Details 228 Buydown Temporary Subsidy Indicator ▪ false ▪ true Enter “false” unless the Mortgage has a temporary subsidy buydown. →Conversion Option Details 232 Convertible Indicator ▪ false ▪ true Enter “false” unless the Mortgage has, or ever had, a conversion option. →Assumability Details 225 Assumability Indicator ▪ false ▪ true Enter “false” unless the Mortgage is assumable as of the Note Date. →Prepayment Penalty Details 240 Prepayment Penalty Indicator false Freddie Mac considers a Mortgage to be a Prepayment Penalty Mortgage if it is currently subject to, or has ever been subject to, a penalty for prepayments of principal. Enter “false” unless the Mortgage has, or ever had, a prepayment penalty provision. →Interest Only Details 237 Interest Only Indicator False → Origination Details 224 Application Received Date Enter the date on which receipt of the Borrower’s financial information first triggers the federal Truth-in-Lending disclosure requirements to the Borrower in connection with the Mortgage. 311 Price Lock Datetime Enter the value that corresponds with the Rate Set Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-31 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes This data point appears as Borrower Price Lock Date in Loan Selling Advisor Date used in determining Sort ID 208- HMDARateSpreadPercent in accordance with the 2015 HMDA Final Rule. Only the date is required; the time will be ignored. 227 Borrower Count Enter the total number of Borrowers on the Note (can be more than five). 229 Capitalized Loan Indicator ▪ false ▪ true Enter “false”. Mortgages with capitalized balances are not eligible for sale to Freddie Mac (see Section 4403.1). 234 Escrow Indicator ▪ false ▪ true Enter “false” unless there is an Escrow associated with this Mortgage. 207 HMDA HOEPA Loan Status Indicator false Required even if the Seller is not covered by HMDA. 208 HMDA Rate Spread Percent Enter the rate spread if required pursuant to HMDA Reporting. Enter the spread (difference) between the annual percentage rate (APR) on the Mortgage and the Average Prime Offer Rate (APOR). Do not enter the APR, APOR or Note Rate. The rate spread should be calculated consistent with the methodology provided in HMDA (Regulation C) and the requirements for determining Higher Priced Mortgage Loans (Regulation Z). For Mortgages with a rate spread reported under HMDA, a Seller should deliver to Freddie Mac the same rate spread reported under HMDA. → Funds Needed to Close Details 172 Down Payment Amount Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-32 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes 173/174 Down Payment Source Type/Down Payment Source Type Other Description (In Loan Selling Advisor®, this appears as “Down Payment Source Type.”) • Borrower • Community Non Profit • Employer • Federal Agency • Local Agency • Relative • Religious Non Profit • State Agency • Originating Lender • Other - Aggregated Remaining Source Types • Other - FHLB Affordable Housing Program • Other - USDA Rural Housing If available, enter Down Payment data. The Down Payment amount is the difference between the purchase price and the original UPB of the Mortgage (excluding any financed mortgage insurance premium amounts). See ULDD Appendix A – Freddie Mac XML Data Requirements for specific mapping of ULAD enumerations to the valid values of ULDD Data Points Down Payment Source Type and Down Payment Type. For Mortgages originated with gifts and grants from the Seller as the originating lender, enter the valid value of “Originating Lender” for ULDD Data Point Down Payment Source Type Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-33 175/176 Down Payment Type/Down Payment Type Other Description (In Loan Selling Advisor, this appears as “Down Payment Type.”) • Bridge Loan • Cash On Hand • Checking Savings • Equity On Sold Property • Equity On Subject Property • Forgivable Secured Loan • Gift Funds • Life Insurance Cash Value • Lot Equity • Rent With Option To Purchase • Sale Of Chattel • Secured Borrowed Funds • Stocks And Bonds • Sweat Equity • Trade Equity • Trust Funds • Unsecured Borrowed Funds • Other Type Of Down Payment - Aggregated Remaining Types • Other Type Of Down Payment - Grant • Other Type Of Down Payment - and “Other Type of Down Payment – Grant” for ULDD Data Point Down Payment Type Other Description. Enter “Originating Lender” for all lender sources. Enter Down Payment ULDD Data Points as follows: 1. Sort all Down Payment amounts by “Down Payment Source Type” (source) and “Down Payment Type” (type) combinations. 2. Sum together amounts from like source – type pairs 3. After summing: a. If there are 4 or fewer source – type pairs, enter the values for each “Down Payment Amount” (amount) source and type combination. b. If there are more than 4 source – type pairs, use the following prioritization for the first 3 values: ▪ Enter in descending order the amount, source and type for pairs with “Down Payment Source Type – Borrower.” ▪ Enter in descending order the amount, source and type for any remaining source – type pairs, up to a total of three. c. Sum the amounts for any remaining source – type pairs and enter this as the Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-34 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes Secondary Financing • Closed End • Other Type Of Down Payment - Secondary Financing HELOC fourth value for “Down Payment Amount.” Enter “Other - Aggregated Remaining Source Types” as the fourth “Down Payment Source Type” value. Enter “Other - Aggregated Remaining Types” as the fourth “Down Payment Type” value. 151 Closing Cost Contribution Amount If available, enter Closing Cost data. Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-35 152/153 Closing Cost Funds Type/Closing Cost Funds Type Other Description (In Loan Selling Advisor, this appears as “Closing Cost Funds Type.”) • Bridge Loan • Cash On Hand • Checking Savings • Contribution • Credit Card • Equity On Sold Property • Equity On Subject Property • Forgivable Secured Loan • Gift Funds • Grant • Life Insurance Cash Value • Lot Equity • Premium Funds • Rent With Option To Purchase • Retirement Funds • Sale Of Chattel • Secured Loan • Stocks And Bonds • Sweat Equity • Trade Equity • Trust Funds • Unsecured Borrowed Funds • Other - Aggregated Remaining Types • Other - Secondary Financing Closed End For Mortgages originated with lender credit, enter the valid value of “Premium Funds” for ULDD Data Point, Closing Cost Funds Type, and “Lender” for ULDD Data Point, Closing Cost Source Type. Enter Closing Cost ULDD Data Points as follows: 1. Sort all Closing Cost contributions by “Closing Cost Funds Type” (type) and “Closing Cost Source Type” (source). 2. Sum together amounts from like type – source pairs. 3. After summing: a. If there are 4 or fewer type – source pairs, enter the values for each “Closing Cost Contribution Amount” (amount), type and source combination. b. If there are more than 4 type – source pairs, use the following prioritization for the first 3 values: • Enter in descending order the amount, type, and source for pairs with “Closing Cost Source Type” = “Borrower.” • Enter in descending order the amount, type and source for any Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-36 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes • Other - Secondary Financing HELOC remaining pairs, up to a total of three. c. Sum the amounts for any remaining type – source pairs and enter this as the fourth value for “Closing Cost Contribution Amount.” Enter “Other- Aggregated Remaining Types” as the fourth “Closing Cost Funds Type” value. Enter “Other-Aggregated Remaining Source Types” as the fourth “Closing Cost Source Type” value. 154/155 Closing Cost Source Type/Closing Cost Source Type Other Description (In Loan Selling Advisor, this appears as “Closing Cost Source Type.”) ▪ Borrower ▪ Community Non Profit ▪ Employer ▪ Federal Agency ▪ Lender ▪ Local Agency ▪ Property Seller ▪ Relative ▪ Religious Non Profit ▪ State Agency ▪ Other – Aggregated Remaining Source Types ▪ Other – FHLB Affordable Housing Program ▪ Other – USDA Rural Housing →Loan Details 315 Loan Purpose Type ▪ Purchase ▪ Refinance Enter “Purchase” for purchase transaction Mortgages. 195 Purchase Price Amount For purchase transaction Mortgages, enter the purchase price of the property, net of any adjustments made for sales concessions. Round down to the nearest whole number. Not required for refinance transaction Mortgages. 241 Relocation Loan Indicator ▪ false ▪ true Enter “false” unless the Mortgage is a fixed-rate Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-37 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes Mortgage that complies with Section 6202.3. 243 Shared Equity Indicator ▪ false ▪ true Enter “false” unless the Mortgage is a shared equity Mortgage that meets the requirements of Section 4204.4. →Construction Details 231 Construction Loan Indicator ▪ false ▪ true Enter “false” unless the Mortgage is a Construction to Permanent Mortgage or Renovation Mortgage. →Underwriting Details 328 Loan Manual Underwriting Indicator ▪ false ▪ true Enter “false” unless the loan underwriting decision is based on manual underwriting and not the recommendation from an automated underwriting system. →Additional Underwriting Details 291 Total Monthly Income Amount Enter the aggregate of ULDD Data Point Borrower Qualifying Income Amount (Sort ID 573) for all Borrowers. Round to the nearest dollar. 287 Borrower Reserves Monthly Payment Count Enter the total number of monthly payments available from all Borrowers’ reserves, as described in Sections 5501.2, 5501.3 and 5501.4. 244 Total Mortgaged Properties Count Enter the total number of financed one- to four-unit properties that any of the Borrowers are obligated on. Do not include commercial properties or timeshares. The subject property is included in the property count. Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-38 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes 292 Total Monthly Proposed Housing Expense Amount Enter the sum of the monthly charges on the Borrowers’ Primary Residences as described in Section 5401.1 for all Borrowers. Round to the nearest dollar. For ARMs, enter the monthly housing expense calculated using the Mortgage payment the Borrower is making at the time the Seller delivers the Mortgage. Round to the nearest dollar. For second home or Investment Property Mortgages, do not include the housing expense of the subject property. 290 Total Liabilities Monthly Payment Amount Enter the monthly debt payment as defined in Section 5401.2. Round to the nearest dollar. For ARMs, enter the monthly debt payment calculated using the monthly housing expense determined using the Mortgage payment the Borrower is making at the time the Seller delivers the Mortgage. Round to the nearest dollar. →Delivered LTV Values 254 Base LTV Ratio Percent If there is no financed mortgage insurance, “Base LTV Ratio Percent” equals “LTV Ratio Percent.” See Section 4701.2(a). 255 LTV Ratio Percent Enter the LTV Ratio calculated in accordance with Section 4203.1(a). LOAN – Current 352 Loan Role Type1, 2 Subject Loan Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-39 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes 405 Loan State Date1 Enter the date the data is retrieved from the lender’s delivery system. 406 Loan State Type1, 2 Current →Modification Details 397 Mortgage Modification Indicator ▪ false ▪ true Enter “false” unless the Mortgage is a Seller-Owned Modified Mortgage or a Construction to Permanent Mortgage or Renovation Mortgage with modification Agreement. →Product Details 403.1/403.2 Loan Identifier (In Loan Selling Advisor, this appears as “Universal Loan Identifier”.) Enter the Universal Loan Identifier (ULI), if required pursuant to HMDA Reporting and available at loan delivery. 401 MERS MIN Identifier Enter if the Mortgage is registered with MERS®. 408.1/408.2 MERS Registration Status Type/MERS Registration Status Type Other Description (In Loan Selling Advisor, this appears as “MERS Registration Status Type”.) ▪ Active ▪ Other – Not Registered On MERS System Enter “Active” if the loan registration status is currently active on the MERS System. Enter “Other - Not Registered On MERS System” if the loan registration status is not active or not registered on the MERS System. 402 Seller Loan Identifier2 Enter the seller loan identifier, and not the Freddie Mac loan number. 398.2 Remote Online Notarization Indicator ▪ false ▪ true Enter “true” for Mortgages with remote online notarization, as described in Section 1401.3(f). 378 Investor Ownership Percent 100 Value must always be “100.” →Payment Details 385 Loan Acquisition Scheduled UPB Amount Enter value as required in Sections 6302.2, 6302.3 and 6302.4. 440 Last Paid Installment Due Date Enter value as required in Sections 6302.2, 6302.3 and 6302.4. Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-40 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes The related Glossary term is DDLPI. 442 UPB Amount3 (In Loan Selling Advisor, this appears as “Current UPB Amount.”) Enter the actual balance of the Mortgage as of the last paid installment. 452 Delinquent Payments Over Past Twelve Months Count The related Glossary term is Delinquency. TOTAL LOANS → Delivered LTV Values 91 Combined LTV Ratio Percent Enter the total loan-to-value (TLTV) ratio calculated in accordance with Section 4203.1(a). PARTY → Loan Originator Details 628 Party Role Type1 Loan Origination Company 627 Party Role Identifier (In Loan Selling Advisor, this appears as “Loan Origination Company Identifier.”) Enter the loan origination company’s unique identifier as assigned by the Nationwide Mortgage Licensing System (NMLS) and Registry. 637 Party Role Type1 Loan Originator 634 Party Role Identifier (In Loan Selling Advisor, this appears as “Loan Originator Identifier.”) Either: ■ Enter the loan officer’s unique identifier as assigned by the Nationwide Mortgage Licensing System and Registry; or ■ If a loan officer is exempt from obtaining or is not required to obtain a loan originator identifier through the NMLS, enter “1000” 635 Loan Originator Type ▪ Broker ▪ Correspondent ▪ Lender See Glossary terms for Mortgage Broker and Correspondent and select Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-41 Loan Data Required for All Mortgages Sort ID ULDD Data Point Valid Value Notes applicable value. For Retail Mortgages, select “Lender.” PARTY → Warehouse Lender Details 398.1 Warehouse Lender Indicator4 ▪ false ▪ true Enter “false” unless the Mortgage was a Pledged Mortgage subject to a warehouse financing arrangement at delivery. 1 This data point name does not appear as a Loan Selling Advisor input field, but instead is reflected in a screen heading or section. 2 This data point must be populated to save the file in Loan Selling Advisor. 3 The UPB amount on the loan is the actual balance of the Mortgage as of the last paid installment. 4 This data point was made available in Loan Selling Advisor beginning June 5, 2017. See Bulletin 2017-2. See Section 6302.10 for Loan Product Advisor® Mortgages and Section 6302.11 for Non- Loan Product Advisor Mortgages. (ii) Mortgages with electronic documentation For eMortgages, the Seller must deliver the following ULDD Data Points: Data Required for eMortgages Sort ID ULDD Data Point Valid Value Notes LOAN – Closing →Note Details 233 ENote Indicator true Enter “true” for eMortgages, as described in Chapter 1402. LOAN – Current → Product Details 401 MERS MIN Identifier Required for all eMortgages Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-42 (iii) Mortgages closed with Remote Ink Notarization For Mortgages closed with Remote Ink Notarization, the Seller must deliver the following ULDD Data Points: Data Required for Mortgages closed with Remote Ink Notarization Sort ID ULDD Data Point Valid Value Notes LOAN – Current → Product Details 368 Investor Feature Identifier J95 Enter this value for Mortgages with Remote Ink Notarization, as described in Section 1401.3(g). 6302.6: Loan data required for fixed-rate Mortgages (10/01/25) ■ General requirements ■ Data delivery instructions ■ Delivery programs ■ Pooling requirements for UMBS® and MBS (a) General requirements Refer to Exhibit 17S, Available Mortgage Products, for more information about eligibility requirements for fixed-rate Mortgages sold under fixed-rate Cash, the fixed-rate Guarantor program or the MultiLender Swap program. (b) Data delivery instructions For conventional fixed-rate Mortgages, the Seller must deliver the following ULDD Data Point: Loan Data Required for All Fixed-Rate Mortgages Sort ID ULDD Data Point Valid Value Notes LOAN – Closing →Product Details 138 Loan Amortization Type1 Fixed Enter “Fixed” for a fixed-rate Mortgage. 1 This data point must be populated to save the file in Loan Selling Advisor®. Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-43 See Section 6302.26(b) for instructions for delivering data for Mortgages sold through Cash- Released XChange® under fixed-rate Cash. (c) Delivery programs 10-, 15-, 20- and 30-year fixed-rate Mortgages may be sold only under the following: ■ Fixed-rate Cash ■ Fixed-rate Guarantor ■ MultiLender Swap (d) Pooling requirements for UMBS and MBS Refer to Chapter 6202 for general pooling requirements for fixed-rate Mortgages sold under the fixed-rate Guarantor or MultiLender Swap programs.

Source: Freddie Mac Single-Family Seller/Servicer Guide Section 6302.5 — Loan data required for all Mortgages · source URL · snapshot 5869ee9e606cd4ae