source:
  type: regulation
  id: fhlmc-6302.9
  authority: Freddie Mac Single-Family Seller/Servicer Guide §6302.9 — Data required for all Borrowers (04/22/26)
  description: "Freddie Mac Guide §6302.9 (Data required for all Borrowers). Gap-fill (verbatim, ID-diff). \n"
obligations:
- id: fhlmc-6302.9-0
  canonical_id: fhlmc-6302.9-0
  section: Freddie Mac Guide 6302.9
  description: '6302.9 Data required for all Borrowers: ■ Data for all Borrowers ■ Data for individual Borrowers
    and Underwritten Settlors ■ Data for non-individual Borrowers (a) Data for all Borrowers (i) General Borrower
    information For each Borrower (up to a total of five) on every Mortgage sold to Freddie Mac, the Seller must
    deli…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §6302.9 — Data required for all Borrowers (04/22/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '■ Data for all Borrowers ■ Data for individual Borrowers and Underwritten Settlors ■ Data
      for non-individual Borrowers (a) Data for all Borrowers (i) General Borrower information For each Borrower
      (up to a total of five) on every Mortgage sold to Freddie Mac, the Seller must deliver the following ULDD
      Data Points: Data Required for All Borrowers Sort ID ULDD Data Point Valid Value Notes BORROWER → Borrower
      Details 611 Party Role Type1,2 Borrower 571 Borrower Classification Type ▪ Primary ▪ Secondary Enter “Primary”
      if there is one Borrower. If there is more than one Borrower, enter “Primary” for one Borrower and “Secondary”
      for up to 4 additional Borrowers.'
    drafter_attestation: Verbatim from Freddie Guide §6302.9 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-6302.9-1
  canonical_id: fhlmc-6302.9-1
  section: Freddie Mac Guide 6302.9
  description: '6302.9 Data required for all Borrowers: 302-68 Data Required for All Borrowers Sort ID ULDD Data
    Point Valid Value Notes 568 Borrower Birth Date 567 Borrower Age At Application Years Count 613 Taxpayer Identifier
    Type ▪ Employer Identification Number ▪ Individual Taxpayer Identification Number ▪ Social Security Number …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §6302.9 — Data required for all Borrowers (04/22/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '302-68 Data Required for All Borrowers Sort ID ULDD Data Point Valid Value Notes 568 Borrower
      Birth Date 567 Borrower Age At Application Years Count 613 Taxpayer Identifier Type ▪ Employer Identification
      Number ▪ Individual Taxpayer Identification Number ▪ Social Security Number Enter “Individual Taxpayer Identification
      Number” or “Social Security Number” for individual Borrowers Enter “Employer Identification Number” for non-individual
      Borrowers unless the Borrower is a Living Trust as defined in the Glossary. If the Borrower is a Living Trust,
      enter either “Individual Taxpayer Identification Number” or “Social Security Number” of the Underwritten Settlor
      as defined in the Glossary. 614 Taxpayer Identifier Value → Borrower Data Required for Government Reporting
      609.1 HMDA Ethnicity Type ▪ Hispanic Or Latino ▪ Information Not Provided By Applicant In Mail Internet Or
      Telephone Application ▪ Not Applicable ▪ Not Hispanic Or Latino Enter the ethnicity as provided by the Borrower
      on the loan application. If the Borrower is a Living Trust, enter the ethnicity as provided by the Underwritten
      Settlor on the loan application. For individual Borrowers and Underwritten Settlors (in the case of Borrowers
      that are Living Trusts): ▪ This data point may be left blank if the Borrower did not report Sort ID 609.1-HMDA
      Ethnicity Type but has reported Sort ID 609.2-HMDA'
    drafter_attestation: Verbatim from Freddie Guide §6302.9 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-6302.9-2
  canonical_id: fhlmc-6302.9-2
  section: Freddie Mac Guide 6302.9
  description: '6302.9 Data required for all Borrowers: 302-69 Data Required for All Borrowers Sort ID ULDD Data
    Point Valid Value Notes Ethnicity Origin Type or Sort ID 609.3-HMDA Ethnicity Origin Type Other Description
    ▪ If the Borrower did not provide any ethnicity data and the loan application was taken by face-to-face interview
    (…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §6302.9 — Data required for all Borrowers (04/22/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 302-69 Data Required for All Borrowers Sort ID ULDD Data Point Valid Value Notes Ethnicity
      Origin Type or Sort ID 609.3-HMDA Ethnicity Origin Type Other Description ▪ If the Borrower did not provide
      any ethnicity data and the loan application was taken by face-to-face interview (including electronic media
      with video component), enter the ethnicity collected based on visual observation or surname ▪ If the loan
      application was taken via telephone interview, fax, mail, e- mail or internet and the Borrower did not provide
      the ethnicity on the loan application, enter “Information Not Provided By Applicant In Mail Internet Or Telephone
      Application” Enter “Not Applicable” for non-individual Borrowers other than Living Trusts. 609.5 HMDA Ethnicity
      Refusal Indicator ▪ false ▪ true Enter “false” if the ethnicity information is provided. Enter “true” if the
      Borrower has refused to provide ethnicity information or has selected the checkbox on the loan application
      “I do not wish to provide this information” related to ethnicity. If the Borrower is a Living Trust, enter
      “true” if the
    drafter_attestation: Verbatim from Freddie Guide §6302.9 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-6302.9-3
  canonical_id: fhlmc-6302.9-3
  section: Freddie Mac Guide 6302.9
  description: '6302.9 Data required for all Borrowers: 302-70 Data Required for All Borrowers Sort ID ULDD Data
    Point Valid Value Notes Underwritten Settlor has refused to provide ethnicity information or has selected the
    checkbox on the loan application “I do not wish to provide this information” related to ethnicity. If the Borrowe…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §6302.9 — Data required for all Borrowers (04/22/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '302-70 Data Required for All Borrowers Sort ID ULDD Data Point Valid Value Notes Underwritten
      Settlor has refused to provide ethnicity information or has selected the checkbox on the loan application
      “I do not wish to provide this information” related to ethnicity. If the Borrower is a “Native American Tribe
      Or Tribal Organization”, leave this data point blank. 608.3 HMDA Gender Type ▪ Applicant Selected Both Male
      And Female ▪ Female ▪ Information Not Provided Unknown ▪ Male ▪ Not Applicable Enter the gender as provided
      by the Borrower on the loan application. If the Borrower is a Living Trust, enter the gender as provided by
      the Underwritten Settlor on the loan application. For individual Borrowers and Underwritten Settlors (in the
      case of Borrowers that are Living Trusts): ▪ If the Borrower did not provide the gender and the loan application
      was taken by face-to-face interview (including electronic media with video component), enter the gender collected
      based on visual observation or name ▪ If the loan application was taken via telephone interview, fax, mail,
      e- mail or internet and the Borrower did not provide the gender, enter “Information Not Provided Unknown”.'
    drafter_attestation: Verbatim from Freddie Guide §6302.9 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-6302.9-4
  canonical_id: fhlmc-6302.9-4
  section: Freddie Mac Guide 6302.9
  description: '6302.9 Data required for all Borrowers: 302-71 Data Required for All Borrowers Sort ID ULDD Data
    Point Valid Value Notes Enter “Not Applicable” for non-individual Borrowers other than Living Trusts. 610.5
    HMDA Race Type ▪ American Indian Or Alaska Native ▪ Asian ▪ Black Or African American ▪ Information Not Provided
    By…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §6302.9 — Data required for all Borrowers (04/22/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '302-71 Data Required for All Borrowers Sort ID ULDD Data Point Valid Value Notes Enter “Not
      Applicable” for non-individual Borrowers other than Living Trusts. 610.5 HMDA Race Type ▪ American Indian
      Or Alaska Native ▪ Asian ▪ Black Or African American ▪ Information Not Provided By Applicant In Mail Internet
      Or Telephone Application ▪ Native Hawaiian Or Other Pacific Islander ▪ Not Applicable ▪ White Enter the race
      as provided by the Borrower on the loan application. If the Borrower is a Living Trust, enter the race as
      provided by the Underwritten Settlor on the loan application. For individual Borrowers and Underwritten Settlors
      (in the case of Borrowers that are Living Trusts): ▪ This data point may be left blank if the Borrower did
      not report Sort ID 610.5-HMDA Race Type but has reported Sort ID 610.3-HMDA Race Designation Type, Sort ID
      610.6-HMDA Race Type Additional Description, 610.21- HMDA Race Designation Other Asian Description, or 610.22-HMDA
      Race Designation Other Pacific Islander Description ▪ If the Borrower did not provide any race data and the
      loan application was taken by face-to-face interview (including electronic media with video component), enter
      the race collected based on visual observation or surname ▪ If the loan application was taken via telephone'
    drafter_attestation: Verbatim from Freddie Guide §6302.9 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-6302.9-5
  canonical_id: fhlmc-6302.9-5
  section: Freddie Mac Guide 6302.9
  description: '6302.9 Data required for all Borrowers: 302-72 Data Required for All Borrowers Sort ID ULDD Data
    Point Valid Value Notes interview, fax, mail, e- mail or internet, and the Borrower did not provide the race
    on the loan application, enter “Information Not Provided By Applicant In Mail Internet Or Telephone Application”
    E…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §6302.9 — Data required for all Borrowers (04/22/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '302-72 Data Required for All Borrowers Sort ID ULDD Data Point Valid Value Notes interview,
      fax, mail, e- mail or internet, and the Borrower did not provide the race on the loan application, enter “Information
      Not Provided By Applicant In Mail Internet Or Telephone Application” Enter “Not Applicable” for non-individual
      Borrowers other than Living Trusts. 610.6 HMDA Race Type Additional Description For each Borrower, indicate
      any further designations reported on the loan application under “American Indian or Alaska Native - Enter
      name of enrolled or principal tribe”. If the Borrower is a Living Trust, for the Underwritten Settlor indicate
      any further designations reported on the loan application under “American Indian or Alaska Native - Enter
      name of enrolled or principal tribe”. For individual Borrowers and Underwritten Settlors (in the case of Borrowers
      that are Living Trusts): If the Borrower did not report the data on the loan application, leave this data
      point blank. If the Borrower is a “Native American Tribe Or Tribal Organization”, leave this data point blank.
      610.2 HMDA Race Refusal Indicator ▪ false ▪ true Enter “false” if the race information is provided.'
    drafter_attestation: Verbatim from Freddie Guide §6302.9 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-6302.9-6
  canonical_id: fhlmc-6302.9-6
  section: Freddie Mac Guide 6302.9
  description: '6302.9 Data required for all Borrowers: 302-73 Data Required for All Borrowers Sort ID ULDD Data
    Point Valid Value Notes Enter “true” if the Borrower has selected the checkbox on the loan application “I do
    not wish to provide this information” related to race. If the Borrower is a Living Trust, enter “true” if the
    Unde…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §6302.9 — Data required for all Borrowers (04/22/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 302-73 Data Required for All Borrowers Sort ID ULDD Data Point Valid Value Notes Enter “true”
      if the Borrower has selected the checkbox on the loan application “I do not wish to provide this information”
      related to race. If the Borrower is a Living Trust, enter “true” if the Underwritten Settlor has selected
      the checkbox on the loan application “I do not wish to provide this information” related to race. If the Borrower
      is a “Native American Tribe Or Tribal Organization”, leave this data point blank. 609.4 HMDA Ethnicity Collected
      Based On Visual Observation Or Surname Indicator ▪ false ▪ true For each Borrower, enter “true” if the ethnicity
      was collected based on visual observation or surname; otherwise enter “false”. If the Borrower is a Living
      Trust, enter “true” if the ethnicity of the Underwritten Settlor was collected based on visual observation
      or surname; otherwise enter “false”. If the Borrower is a “Native American Tribe Or Tribal Organization”,
      leave this data point blank. 608.1 HMDA Gender Collected Based On Visual Observation Or Name Indicator ▪ false
      ▪ true For each Borrower, enter “true” if the gender was collected based on visual observation or name; otherwise
      enter “false”. If the Borrower is a Living Trust, “enter true” if the gender of the Underwritten Settlor was
      collected based
    drafter_attestation: Verbatim from Freddie Guide §6302.9 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-6302.9-7
  canonical_id: fhlmc-6302.9-7
  section: Freddie Mac Guide 6302.9
  description: '6302.9 Data required for all Borrowers: 302-74 Data Required for All Borrowers Sort ID ULDD Data
    Point Valid Value Notes on visual observation or name; otherwise enter “false”. If the Borrower is a “Native
    American Tribe Or Tribal Organization”, leave this data point blank. 610.1 HMDA Race Collected Based On Visual
    Obs…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §6302.9 — Data required for all Borrowers (04/22/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '302-74 Data Required for All Borrowers Sort ID ULDD Data Point Valid Value Notes on visual
      observation or name; otherwise enter “false”. If the Borrower is a “Native American Tribe Or Tribal Organization”,
      leave this data point blank. 610.1 HMDA Race Collected Based On Visual Observation Or Surname Indicator ▪
      false ▪ true For each Borrower, “enter true” if the race was collected based on visual observation or surname;
      otherwise, enter “false”. If the Borrower is a Living Trust, enter “true” if the race of the Underwritten
      Settlor was collected based on visual observation or surname; otherwise, enter “false”. If the Borrower is
      a “Native American Tribe Or Tribal Organization”, leave this data point blank. 609.2 HMDA Ethnicity Origin
      Type ▪ Cuban ▪ Mexican ▪ Other ▪ Puerto Rican For each Borrower, indicate any further designations reported
      on the loan application under “Hispanic or Latino”. If the Borrower is a Living Trust, for the Underwritten
      Settlor indicate any further designations reported on the loan application under “Hispanic or Latino”. For
      individual Borrowers and Underwritten Settlors (in the case of Borrowers that are Living Trusts): ▪ If the
      Borrower did not report this data on the'
    drafter_attestation: Verbatim from Freddie Guide §6302.9 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-6302.9-8
  canonical_id: fhlmc-6302.9-8
  section: Freddie Mac Guide 6302.9
  description: '6302.9 Data required for all Borrowers: 302-75 Data Required for All Borrowers Sort ID ULDD Data
    Point Valid Value Notes loan application, leave this data point blank ▪ This data point may be left blank if
    the Borrower did not report Sort ID 609.2-HMDA Ethnicity Origin Type but has reported Sort ID 609.3- HMDA Ethnicit…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §6302.9 — Data required for all Borrowers (04/22/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '302-75 Data Required for All Borrowers Sort ID ULDD Data Point Valid Value Notes loan application,
      leave this data point blank ▪ This data point may be left blank if the Borrower did not report Sort ID 609.2-HMDA
      Ethnicity Origin Type but has reported Sort ID 609.3- HMDA Ethnicity Origin Type Other Description If the
      Borrower is a “Native American Tribe Or Tribal Organization”, leave this data point blank. 609.3 HMDA Ethnicity
      Origin Type Other Description For each Borrower, indicate any further designations reported on the loan application
      under “Other Hispanic or Latino - Enter Origin”. If the Borrower is a Living Trust, for the Underwritten Settlor
      indicate any further designations reported on the loan application under “Other Hispanic or Latino - Enter
      Origin”. For individual Borrowers and Underwritten Settlors (in the case of Borrowers that are Living Trusts):
      If the Borrower did not report the data on the loan application, leave this data point blank. If the Borrower
      is a “Native American Tribe Or Tribal Organization”, leave this data point blank. 608.2 HMDA Gender Refusal
      Indicator ▪ false ▪ true Enter “false” if the gender information is provided.'
    drafter_attestation: Verbatim from Freddie Guide §6302.9 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-6302.9-9
  canonical_id: fhlmc-6302.9-9
  section: Freddie Mac Guide 6302.9
  description: '6302.9 Data required for all Borrowers: 302-76 Data Required for All Borrowers Sort ID ULDD Data
    Point Valid Value Notes Enter “true” if the Borrower has refused to provide gender information or has selected
    the checkbox on the loan application “I do not wish to provide this information” related to sex. If the Borrower…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §6302.9 — Data required for all Borrowers (04/22/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '302-76 Data Required for All Borrowers Sort ID ULDD Data Point Valid Value Notes Enter “true”
      if the Borrower has refused to provide gender information or has selected the checkbox on the loan application
      “I do not wish to provide this information” related to sex. If the Borrower is a Living Trust, enter “true”
      if the Underwritten Settlor has refused to provide gender information or has selected the checkbox on the
      loan application “I do not wish to provide this information” related to sex. If the Borrower is a “Native
      American Tribe Or Tribal Organization”, leave this data point blank. 610.3 HMDA Race Designation Type ▪ Asian
      Indian ▪ Chinese ▪ Filipino ▪ Guamanian Or Chamorro ▪ Japanese ▪ Korean ▪ Native Hawaiian ▪ Other Asian ▪
      Other Pacific Islander ▪ Samoan ▪ Vietnamese For each Borrower, indicate any further designations reported
      on the loan application under “Asian” or “Native Hawaiian or Other Pacific Islander”. If the Borrower is a
      Living Trust, for the Underwritten Settlor indicate any further designations reported on the loan application
      under “Asian” or “Native Hawaiian or Other Pacific Islander”. For individual Borrowers and Underwritten Settlors
      (in the case of Borrowers that are Living Trusts): ▪ If the Borrower did not report this data on the'
    drafter_attestation: Verbatim from Freddie Guide §6302.9 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
