Freddie Mac Single-Family Seller/Servicer Guide 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 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. 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 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, email 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 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, email or internet and the Borrower did not provide the gender, enter “Information Not Provided Unknown”. 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, 610.21HMDA 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 Data Required for All Borrowers Sort ID ULDD Data Point Valid Value Notes interview, fax, mail, email 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. 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 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 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 609.3HMDA 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. 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 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 blank if the Borrower did not report Sort ID 610.3HMDA Race Designation Type but has reported Sort ID 610.6-HMDA Race Type Additional Description, 610.21HMDA Race Designation Other Asian Description, or 610.22 HMDA -Race Designation Other Pacific Islander Description If the Borrower is a “Native American Tribe Or Tribal Organization”, leave this data point blank. 610.21 HMDA Race Designation Other Asian Description For each Borrower, indicate any further designations reported on the loan application under “Other Asian - Print Race:”. If the Borrower is a Living Trust, for the Underwritten Settlor indicate any further designations reported on the loan application under “Other Asian - Print Race:”. 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 Data Required for All Borrowers Sort ID ULDD Data Point Valid Value Notes Organization”, leave this data point blank. 610.22 HMDA Race Designation Other Pacific Islander Description For each Borrower, indicate any further designations reported on the loan application under “Other Pacific Islander - Print Race:”. If the Borrower is a Living Trust, for the Underwritten Settlor indicate any further designations reported on the loan application under “Other Pacific Islander - Print Race:”. 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. 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 for the Primary Borrower in order to save the file in Loan Selling Advisor. (ii) Primary Borrower mailing information See Section 1301.2(j) for mailing address requirements for Borrowers participating in an address confidentiality program. With respect to the mailing address of the primary Borrower or Underwritten Settlor, as applicable, the Seller must deliver the following ULDD Data Points: Data Required for Primary Borrower’s Mailing Address Sort ID ULDD Data Point Valid Value Notes BORROWER → Borrower Details 571 Borrower Classification Type1 Primary →Borrower Mailing Address (Borrower 1) (Primary Borrower) 572 Borrower Mail To Address Same As Property Indicator ▪ false ▪ true Enter “true” if the mailing address of the primary Borrower or Underwritten Settlor, as applicable, is the same as the Mortgaged Premises. Enter “false” if the mailing address of the primary Borrower or Underwritten Settlor, as applicable, is not the same as the Mortgaged Premises. If applicable, see Section 1301.2(j) for mailing address requirements for Borrowers participating in an address confidentiality program. 548 Address Line Text (In Loan Selling Advisor, this appears as “Street Address.”) If the mailing address is the same as the Mortgaged Premises, leave this data point blank; otherwise, enter the complete mailing street address. If the mailing address is outside of the United States or Canada, include the “state” if applicable, after the street address. If the Address Unit Identifier is not provided, enter the unit number preceded by any United States Postal Service (USPS) address unit designator (e.g., apartment, suite or unit) if applicable. 553 Address Unit Identifier Enter only if the unit number has not been Data Required for Primary Borrower’s Mailing Address Sort ID ULDD Data Point Valid Value Notes included in Address Line Text. Do not include the address unit designator (e.g., apartment, suite or unit). 554 City Name 560 State Code Enter the state abbreviation maintained by the United States Postal Service (USPS). Refer to USPS (Publication 28 – Postal Addressing Standards) for guidance about state codes. 557 Postal Code 555 Country Code Enter two-character codes from the International Organization for Standardization (ISO) 31661-alpha-2 code list at https://www.iso.org/iso3166-country-codes.html 549 Address Type Mailing 1 This data point must be populated to save the file in Loan Selling Advisor.

(b) Data for individual Borrowers and Underwritten Settlors (i) All individual Borrowers and Underwritten Settlors In addition to the data set forth in Section 6302.9(a), the Seller must deliver the following ULDD Data Points for each individual Borrower and, as applicable, Underwritten Settlor: Data Required for All Individual Borrowers and Underwritten Settlors Sort ID ULDD Data Point Valid Value Notes BORROWER → Borrower Details 540 First Name1 Not required for Underwritten Settlor. 542 Middle Name Enter if exists for individual Borrower; not required for Underwritten Settlor. 541 Last Name1 Not required for Underwritten Settlor. Data Required for All Individual Borrowers and Underwritten Settlors Sort ID ULDD Data Point Valid Value Notes 543 Suffix Name Enter if exists for individual Borrower; not required for Underwritten Settlor. 598 Citizenship Residency Type ▪ Permanent Resident Alien ▪ Nonpermanent Resident Alien ▪ US Citizen 600 Employment Borrower Self Employed Indicator ▪ false ▪ true Enter “true” if the Borrower or Underwritten Settlor, as applicable, is considered to be self-employed according to Section 5301.1. 598.1 Intent To Occupy Type ▪ No ▪ Yes Enter “Yes” if the property will be occupied as the Borrower’s Primary Residence. Enter “No” if the property will not be occupied as the Borrower’s Primary Residence. →→ First Time Homebuyer Details 597 Borrower First Time Homebuyer Indicator ▪ false ▪ true Enter “true” if the Borrower or Underwritten Settlor, as applicable, on the Mortgage is a First-Time Homebuyer as defined in the Glossary. Borrower data must be delivered for each FirstTime Homebuyer. → Borrower Underwriting Details 573 Borrower Qualifying Income Amount Enter the stable monthly income, as defined in Topic 5300 for each qualifying Borrower or Underwritten Settlor, as applicable. 596 Bankruptcy Indicator ▪ false ▪ true Enter “true” if the Uniform Residential Loan Application (URLA), credit report, or other loan documents indicate that the Borrower or Underwritten Data Required for All Individual Borrowers and Underwritten Settlors Sort ID ULDD Data Point Valid Value Notes Settlor, as applicable, has declared bankruptcy within the past 7 years. 599 Loan Foreclosure Or Judgment Indicator ▪ false ▪ true Enter “true” if the URLA, credit report, or other loan documents indicate the Borrower or Underwritten Settlor, as applicable, has been directly or indirectly obligated on a loan that resulted in foreclosure, transfer of title in lieu of foreclosure, or judgment. Enter “true” if, on the redesigned URLA, any of the responses are “yes” in Section 5b, About Your Finances, to questions G, J or L; or if indicated on the credit report, or other loan documents. ▪Outstanding Judgments Indicator (ULAD Unique ID 8.0029) ▪Prior Property Deed In Lieu Conveyed Indicator (ULAD Unique ID 8.0036) ▪Prior Property Foreclosure Completed Indicator (ULAD Unique ID 8.0042) 599.1 Prior Property Short Sale Completed Indicator ▪ false ▪ true Enter “true” if the response on the redesigned URLA is “yes” in Section 5b, About Your Finances, to question K; or if indicated on the credit report or other loan documents. Corresponds to PriorPropertyShortSaleCom pletedIndicator in Loan Product Advisor® Unique ID 275.00. Data Required for All Individual Borrowers and Underwritten Settlors Sort ID ULDD Data Point Valid Value Notes →→ Borrower Credit Score 590 Credit Score Value Enter the Credit Score that is selected as the Underwriting Score for each qualifying Borrower or each Underwritten Settlor, as applicable, if such Credit Score exists. The related Glossary term is Underwriting Score. 580 Credit Report Identifier Enter the associated credit reference number if a merged credit report was used to underwrite the Borrower. 582 Credit Repository Source Indicator ▪ false ▪ true Enter “true” if a single credit repository (Equifax, Experian, or TransUnion) or a merged credit report (Merged Data) was the source for the Borrower’s Credit Score. 583 Credit Repository Source Type ▪ Equifax ▪ Experian ▪ Merged Data ▪ TransUnion 591.1 Credit Score Provider Name Enter “###” for Credit Repository Companies, where “####” is the 4-digit Credit Repository Company Code. Enter “#nnn” for Technical Affiliates, where “#” is the first digit of the Credit Repository Company Code and “nnn” is the 3-digit Technical Affiliate Code. See https://sf.freddiemac.com/ tools-learning/loanadvisor/crc for current Technical Affiliate Codes. 1This data point must be populated for the Primary Borrower in order to save the file in Loan Selling Advisor. (ii) All individual Borrowers and Underwritten Settlors when all individual Borrowers and Underwritten Settlors have Noncredit Payment References See Sections 5201.1 and 5202.1(a) for requirements related to the use of Noncredit Payment References. See Section 5103.4 for requirements related to homeownership education. For Mortgages when all individual Borrowers and Underwritten Settlors have Noncredit Payment References, the Seller must deliver the following ULDD Data Points: Data Required for all Borrowers and Underwritten Settlors when all individual Borrowers and Underwritten Settlors have Noncredit Payment References Sort ID ULDD Data Point Valid Value Notes BORROWER → Borrower Details 576/577 Counseling Confirmation Type/Counseling Confirmation Type Other Description (In Loan Selling Advisor, this appears as “Counseling Confirmation Type.”) ▪ Government Agency ▪ HUD Approved Counseling Agency ▪ Lender Trained Counseling ▪ No Borrower Counseling ▪ Other – Borrower Did Not Participate ▪ Other – Mortgage Insurance Company ▪ Other – Non Profit Organization When required, at least one Borrower on the Mortgage must complete homeownership education prior to loan closing. Enter “Government Agency” if the Borrower completed homeownership education using Freddie Mac’s online CreditSmart® Homebuyer U, OR if the homeownership education was provided by a Housing Finance Agency (HFA), OR if the homeownership education was provided by a for-profit CDFI. Enter “HUD Approved Counseling Agency” if the Borrower completed homeownership education that was provided by a HUD-approved nonprofit counseling agency. Do not enter “Lender Trained Counseling.” Enter “No Borrower Counseling” if the Borrower is not required to participate in homeownership education, such as for a refinance transaction. Enter “Other – Borrower Did Not Participate” if the referenced Borrower did not participate in homeownership education, 578/579 Counseling Format Type/ Counseling Format Type Other Description (In Loan Selling Advisor, this appears as “Counseling Format Type.”) ▪ Borrower Education Not Required ▪ Classroom ▪ Home Study ▪ Individual ▪ Other – Borrower Did Not Participate When required, at least one Borrower on the Mortgage must complete homeownership education prior to loan closing. Enter “Borrower Education Not Required” if the Borrower is not required to participate in homeownership education, such as for a refinance transaction. Enter “Classroom” if instructor-led homeownership education was completed (not one-onone). Enter “Home Study” if the Borrower completed homeownership education Data Required for all Borrowers and Underwritten Settlors when all individual Borrowers and Underwritten Settlors have Noncredit Payment References Sort ID ULDD Data Point Valid Value Notes and the required homeownership education was completed by another Borrower on the loan. Enter “Other – Mortgage Insurance Company” if the counseling was a program provided by a mortgage insurance company Enter “Other – Non Profit Organization” if the homeownership education was provided by a Community Development Financial Institution (CDFI), or a program that meets the standards of the National Industry Standards for Homeownership Education and Counseling. using Freddie Mac’s online CreditSmart® Homebuyer U. Enter “Individual” if one-onone counseling was performed. Enter “Other – Borrower Did Not Participate” if the referenced Borrower did not participate in homeownership education, and the required homeownership education was completed by an occupying Borrower on the loan.

(c) Data for non-individual Borrowers (i) One or more Borrowers is a Living Trust If one or more Borrowers on a loan is a Living Trust, the Seller must deliver the ULDD data points below for each Borrower that is a Living Trust. The Seller must identify the Borrower as a “Living Trust,” and complete the personal information fields based on the personal data of the Underwritten Settlor(s) of the trust. See Section 5103.5 for requirements regarding Mortgages with respect to which the Borrower is a Living Trust. Data Required for Non-Individual Borrowers when one or more Borrowers is a Living Trust Sort ID ULDD Data Point Valid Value Notes BORROWER → Borrower Details 545/546 Legal Entity Type/Legal Entity Type Other Description (In Loan Selling Advisor, this appears as “Non-Individual Borrower Type.”) Other – Living Trust 544 Full Name1 If the Borrower is a Living Trust, indicate the complete unparsed name of the Underwritten Settlor. For Data Required for Non-Individual Borrowers when one or more Borrowers is a Living Trust Sort ID ULDD Data Point Valid Value Notes (In Loan Selling Advisor, this appears as “Non-Individual Borrower Name.”) example, “John W. Johnson” 1 This data point must be populated for the Primary Borrower in order to save the file in Loan Selling Advisor. (ii) Borrower is a Native American tribe or tribal organization Refer to Section 6302.13 for delivery requirements applicable to Section 184 Native American Mortgages when the non-individual Borrower is a Native American tribe or tribal organization.