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Meeting Delivery Requirements for FHFA-Required Loan-Level Origination Data

As the Federal Housing Finance Agency (FHFA) provided in its loan level-origination data requirements, we are required to collect the following unique identifiers for mortgages with application dates on or after July 1, 2010:

  • Loan originator identifier – The loan originator's unique identifier as assigned by the Nationwide Mortgage Licensing System (NMLS) and required based on the Secure and Fair Enforcement for Mortgage Licensing Act of 2003 (S.A.F.E. Act).
  • Loan origination company identifier – The loan origination company's identifier as assigned by NMLS. The loan origination company is the company the loan originator is employed by or is representing as an independent contractor.
  • Appraiser's state license number – The field appraiser's state license number (or state certification number in the absence of a license number) issued by the state in which the subject property is located.
  • Supervisory appraiser's state license number – The supervisory appraiser's state license number (or state certification number in the absence of a license number) issued by the state in which the subject property is located.

Delivering the Unique Identifiers

Form 11, Mortgage Submission Schedule, and Form 13SF, Mortgage Submission Voucher, enables you to include the following data in the appropriate fields:

  • The loan originator identifier and loan origination company identifier are up to 12 numeric characters.
  • The appraiser's state license number and the supervisory appraiser's state license number, if applicable, are up to 21 alphanumeric characters. If a Form 2070, Loan Prospector Condition and Marketability Report, is used, the Seller must enter the license number of the appraiser who performed the inspection. Otherwise, if no new appraisal is performed for a mortgage (for example, the mortgage is eligible to be delivered with a Property Inspection Alternative (PIA) or is a Freddie Mac Relief Refinance MortgageSM – Same Servicer originated under a valuation option that does not require a new appraisal), the Seller should insert the term "Other" in the appraiser's state license number field.
  • For loans delivered on or after March 19, 2012, with application dates on and after December 1, 2011, the lender must follow the conditionality requirements of the Uniform Loan Delivery Data Set (ULDD).

Selling System Enhancements

We updated the selling system to allow you to begin delivering the four unique identifiers for all mortgages with application dates on or after July 1, 2010. Specifically, there are fields for these data elements on the "Create Loan" and "Modify Loans" screens in the system.

To assist Seller/Servicers in delivering the required loan level origination data, the selling system has been enhanced to provide warning messages:  

  • Since January 2010, Sellers who do not provide the appraiser's state license number and the supervisory appraiser's state license number, if applicable, receive a warning message upon mortgage delivery.
  • Beginning October 3, 2011, Sellers who do not deliver the loan originator and loan originator company identifiers will receive a warning message upon mortgage delivery.

Updating Your Loan Origination System (LOS) to Deliver the Four Data Elements

  • If you use a LOS vendor, and these fields are not already available, please contact your vendor to find out when the system build to include the required updates to Form 11 and Form 13SF will be available.
  • If your organization designs its own system interface, and these fields are not already available, please contact 800-FREDDIE or your selling system representative for details on technical specifications for updating your LOS system.

For more information

© 2012 Freddie Mac

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