source:
  type: guide
  id: fhlmc-6302.5
  authority: Freddie Mac Single-Family Seller/Servicer Guide Section 6302.5 — Loan
    data required for all Mortgages
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 6302.5 — Loan
    data required for all Mortgages.
  coverage_tier: operative
obligations:
- id: fhlmc-6302.5-full
  canonical_id: fhlmc-6302.5-full
  section: Freddie Mac Single-Family Seller/Servicer Guide Section 6302.5 — Loan data
    required for all Mortgages
  type: do
  tags:
  - regulator-direct
  - fhlmc
  - freddie-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 6302.5 — Loan
      data required for all Mortgages
    source_class: fhlmc-guide
    source_url: https://guide.freddiemac.com/ci-guide
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-05-23T00:27:40Z'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '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.'
  judgment: false
