<MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:ULDD="http://www.datamodelextension.org/Schema/ULDD" MISMOReferenceModelIdentifier="3.0.0.263.12" xsi:schemaLocation="http://www.datamodelextension.org/Schema/ULDD [REPLACE WITH PATH FOR YOUR SCHEMA LOCATION]/ULDD_Phase_4a_Extension.xsd">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<AboutVersionIdentifier>FNM 3.0</AboutVersionIdentifier>
<CreatedDatetime>2017-02-25T09:07:33</CreatedDatetime>
</ABOUT_VERSION>
</ABOUT_VERSIONS>
<DEAL_SETS>
<DEAL_SET>
<DEALS>
<DEAL>
<COLLATERALS>
<COLLATERAL>
<PROPERTIES>
<PROPERTY>
<ADDRESS>
<AddressLineText>123 Main Street</AddressLineText>
<CityName>Anytown</CityName>
<PostalCode>20191</PostalCode>
<StateCode>VA</StateCode>
</ADDRESS>
<FLOOD_DETERMINATION>
<FLOOD_DETERMINATION_DETAIL>
<SpecialFloodHazardAreaIndicator>false</SpecialFloodHazardAreaIndicator>
</FLOOD_DETERMINATION_DETAIL>
</FLOOD_DETERMINATION>
<PROJECT>
<PROJECT_DETAIL>
<ProjectClassificationIdentifier>G</ProjectClassificationIdentifier>
<PUDIndicator>false</PUDIndicator>
</PROJECT_DETAIL>
</PROJECT>
<PROPERTY_DETAIL>
<AttachmentType>Detached</AttachmentType>
<ConstructionMethodType>SiteBuilt</ConstructionMethodType>
<FinancedUnitCount>1</FinancedUnitCount>
<PropertyEstateType>FeeSimple</PropertyEstateType>
<PropertyFloodInsuranceIndicator>false</PropertyFloodInsuranceIndicator>
<PropertyStructureBuiltYear>1998</PropertyStructureBuiltYear>
<PropertyUsageType>PrimaryResidence</PropertyUsageType>
</PROPERTY_DETAIL>
<PROPERTY_VALUATIONS>
<PROPERTY_VALUATION>
<PROPERTY_VALUATION_DETAIL>
<AppraisalIdentifier>1234567890</AppraisalIdentifier>
<PropertyValuationAmount>200000</PropertyValuationAmount>
<PropertyValuationEffectiveDate>2017-01-14</PropertyValuationEffectiveDate>
<PropertyValuationFormType>UniformResidentialAppraisalReport</PropertyValuationFormType>
<PropertyValuationMethodType>FullAppraisal</PropertyValuationMethodType>
</PROPERTY_VALUATION_DETAIL>
</PROPERTY_VALUATION>
</PROPERTY_VALUATIONS>
</PROPERTY>
</PROPERTIES>
</COLLATERAL>
</COLLATERALS>
<LOANS>
<COMBINED_LTVS>
<COMBINED_LTV>
<CombinedLTVRatioPercent>80</CombinedLTVRatioPercent>
</COMBINED_LTV>
</COMBINED_LTVS>
<LOAN LoanRoleType="SubjectLoan">
<AMORTIZATION>
<AMORTIZATION_RULE>
<LoanAmortizationPeriodCount>360</LoanAmortizationPeriodCount>
<LoanAmortizationPeriodType>Month</LoanAmortizationPeriodType>
<LoanAmortizationType>Fixed</LoanAmortizationType>
</AMORTIZATION_RULE>
</AMORTIZATION>
<FORM_SPECIFIC_CONTENTS>
<FORM_SPECIFIC_CONTENT>
<URLA>
<URLA_DETAIL>
<BorrowerPaidDiscountPointsTotalAmount>0.00</BorrowerPaidDiscountPointsTotalAmount>
<PurchasePriceAmount>200000</PurchasePriceAmount>
</URLA_DETAIL>
</URLA>
</FORM_SPECIFIC_CONTENT>
</FORM_SPECIFIC_CONTENTS>
<HMDA_LOAN>
<HMDA_HOEPALoanStatusIndicator>false</HMDA_HOEPALoanStatusIndicator>
<HMDARateSpreadPercent>1.6</HMDARateSpreadPercent>
</HMDA_LOAN>
<INTEREST_CALCULATION>
<INTEREST_CALCULATION_RULES>
<INTEREST_CALCULATION_RULE>
<InterestCalculationPeriodType>Month</InterestCalculationPeriodType>
<InterestCalculationType>Simple</InterestCalculationType>
</INTEREST_CALCULATION_RULE>
</INTEREST_CALCULATION_RULES>
</INTEREST_CALCULATION>
<LOAN_DETAIL>
<ApplicationReceivedDate>2016-12-21</ApplicationReceivedDate>
<AssumabilityIndicator>false</AssumabilityIndicator>
<BalloonIndicator>false</BalloonIndicator>
<BorrowerCount>1</BorrowerCount>
<BuydownTemporarySubsidyIndicator>false</BuydownTemporarySubsidyIndicator>
<CapitalizedLoanIndicator>false</CapitalizedLoanIndicator>
<ConstructionLoanIndicator>false</ConstructionLoanIndicator>
<ConvertibleIndicator>false</ConvertibleIndicator>
<EscrowIndicator>false</EscrowIndicator>
<InterestOnlyIndicator>false</InterestOnlyIndicator>
<LoanAffordableIndicator>false</LoanAffordableIndicator>
<PrepaymentPenaltyIndicator>false</PrepaymentPenaltyIndicator>
<RelocationLoanIndicator>false</RelocationLoanIndicator>
<SharedEquityIndicator>false</SharedEquityIndicator>
<TotalMortgagedPropertiesCount>0</TotalMortgagedPropertiesCount>
</LOAN_DETAIL>
<LOAN_LEVEL_CREDIT>
<LOAN_LEVEL_CREDIT_DETAIL>
<LoanLevelCreditScoreValue>730</LoanLevelCreditScoreValue>
</LOAN_LEVEL_CREDIT_DETAIL>
</LOAN_LEVEL_CREDIT>
<LOAN_STATE>
<LoanStateDate>2017-01-15</LoanStateDate>
<LoanStateType>AtClosing</LoanStateType>
</LOAN_STATE>
<LTV>
<BaseLTVRatioPercent>80</BaseLTVRatioPercent>
<LTVRatioPercent>80</LTVRatioPercent>
</LTV>
<MATURITY>
<MATURITY_RULE>
<LoanMaturityDate>2047-02-01</LoanMaturityDate>
<LoanMaturityPeriodCount>360</LoanMaturityPeriodCount>
<LoanMaturityPeriodType>Month</LoanMaturityPeriodType>
</MATURITY_RULE>
</MATURITY>
<PAYMENT>
<PAYMENT_RULE>
<InitialPrincipalAndInterestPaymentAmount>959.28</InitialPrincipalAndInterestPaymentAmount>
<PaymentFrequencyType>Monthly</PaymentFrequencyType>
<ScheduledFirstPaymentDate>2017-03-01</ScheduledFirstPaymentDate>
</PAYMENT_RULE>
</PAYMENT>
<QUALIFICATION>
<BorrowerReservesMonthlyPaymentCount>2</BorrowerReservesMonthlyPaymentCount>
<TotalLiabilitiesMonthlyPaymentAmount>2500</TotalLiabilitiesMonthlyPaymentAmount>
<TotalMonthlyIncomeAmount>12500</TotalMonthlyIncomeAmount>
<TotalMonthlyProposedHousingExpenseAmount>1125</TotalMonthlyProposedHousingExpenseAmount>
</QUALIFICATION>
<SELECTED_LOAN_PRODUCT>
<PRICE_LOCKS>
<PRICE_LOCK>
<PriceLockDatetime>2017-01-05</PriceLockDatetime>
</PRICE_LOCK>
</PRICE_LOCKS>
</SELECTED_LOAN_PRODUCT>
<TERMS_OF_MORTGAGE>
<LienPriorityType>FirstLien</LienPriorityType>
<LoanPurposeType>Purchase</LoanPurposeType>
<MortgageType>Conventional</MortgageType>
<NoteAmount>160000</NoteAmount>
<NoteDate>2017-01-15</NoteDate>
<NoteRatePercent>6.00</NoteRatePercent>
</TERMS_OF_MORTGAGE>
<UNDERWRITING>
<AUTOMATED_UNDERWRITINGS>
<AUTOMATED_UNDERWRITING>
<AutomatedUnderwritingCaseIdentifier>9876543210</AutomatedUnderwritingCaseIdentifier>
<AutomatedUnderwritingRecommendationDescription>ApproveEligible</AutomatedUnderwritingRecommendationDescription>
<AutomatedUnderwritingSystemType>DesktopUnderwriter</AutomatedUnderwritingSystemType>
</AUTOMATED_UNDERWRITING>
</AUTOMATED_UNDERWRITINGS>
<UNDERWRITING_DETAIL>
<LoanManualUnderwritingIndicator>false</LoanManualUnderwritingIndicator>
</UNDERWRITING_DETAIL>
</UNDERWRITING>
</LOAN>
<LOAN LoanRoleType="SubjectLoan">
<INVESTOR_FEATURES>
<INVESTOR_FEATURE>
<InvestorFeatureIdentifier>001</InvestorFeatureIdentifier>
</INVESTOR_FEATURE>
</INVESTOR_FEATURES>
<INVESTOR_LOAN_INFORMATION>
<BaseGuarantyFeePercent>0.25</BaseGuarantyFeePercent>
<GuarantyFeeAfterAlternatePaymentMethodPercent>0.25</GuarantyFeeAfterAlternatePaymentMethodPercent>
<GuarantyFeePercent>0.25</GuarantyFeePercent>
<InvestorOwnershipPercent>100</InvestorOwnershipPercent>
<InvestorRemittanceDay>---18</InvestorRemittanceDay>
<InvestorRemittanceType>ScheduledInterestScheduledPrincipal</InvestorRemittanceType>
<LoanAcquisitionScheduledUPBAmount>159840.72</LoanAcquisitionScheduledUPBAmount>
<LoanDefaultLossPartyType>Lender</LoanDefaultLossPartyType>
<REOMarketingPartyType>Lender</REOMarketingPartyType>
</INVESTOR_LOAN_INFORMATION>
<LOAN_DETAIL>
<MortgageModificationIndicator>false</MortgageModificationIndicator>
</LOAN_DETAIL>
<LOAN_IDENTIFIERS>
<LOAN_IDENTIFIER>
<InvestorContractIdentifier>A03456</InvestorContractIdentifier>
</LOAN_IDENTIFIER>
<LOAN_IDENTIFIER>
<MERS_MINIdentifier>987654321123456000</MERS_MINIdentifier>
</LOAN_IDENTIFIER>
<LOAN_IDENTIFIER>
<SellerLoanIdentifier>123456789</SellerLoanIdentifier>
</LOAN_IDENTIFIER>
</LOAN_IDENTIFIERS>
<LOAN_PROGRAMS>
<LOAN_PROGRAM>
<LoanProgramIdentifier>LoanFirstTimeHomebuyer</LoanProgramIdentifier>
</LOAN_PROGRAM>
</LOAN_PROGRAMS>
<LOAN_STATE>
<LoanStateDate>2017-01-25</LoanStateDate>
<LoanStateType>Current</LoanStateType>
</LOAN_STATE>
<MI_DATA>
<MI_DATA_DETAIL>
<PrimaryMIAbsenceReasonType>NoMIBasedOnOriginalLTV</PrimaryMIAbsenceReasonType>
</MI_DATA_DETAIL>
</MI_DATA>
<PAYMENT>
<PAYMENT_SUMMARY>
<LastPaidInstallmentDueDate>2017-02-01</LastPaidInstallmentDueDate>
<UPBAmount>160000</UPBAmount>
</PAYMENT_SUMMARY>
</PAYMENT>
<SERVICING>
<DELINQUENCY_SUMMARY>
<DelinquentPaymentsOverPastTwelveMonthsCount>0</DelinquentPaymentsOverPastTwelveMonthsCount>
</DELINQUENCY_SUMMARY>
</SERVICING>
</LOAN>
</LOANS>
<PARTIES>
<PARTY>
<ROLES>
<ROLE>
<APPRAISER>
<APPRAISER_LICENSE>
<AppraiserLicenseIdentifier>123456ABC</AppraiserLicenseIdentifier>
</APPRAISER_LICENSE>
</APPRAISER>
<ROLE_DETAIL>
<PartyRoleType>Appraiser</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
</PARTY>
<PARTY>
<ROLES>
<ROLE>
<APPRAISER_SUPERVISOR>
<APPRAISER_LICENSE>
<AppraiserLicenseIdentifier>1234ABC</AppraiserLicenseIdentifier>
</APPRAISER_LICENSE>
</APPRAISER_SUPERVISOR>
<ROLE_DETAIL>
<PartyRoleType>AppraiserSupervisor</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
</PARTY>
<PARTY>
<INDIVIDUAL>
<NAME>
<FirstName>John</FirstName>
<LastName>Smith</LastName>
<MiddleName>Q</MiddleName>
<SuffixName>JR</SuffixName>
</NAME>
</INDIVIDUAL>
<ROLES>
<ROLE>
<BORROWER>
<BORROWER_DETAIL>
<BorrowerAgeAtApplicationYearsCount>44</BorrowerAgeAtApplicationYearsCount>
<BorrowerBirthDate>1972-01-02</BorrowerBirthDate>
<BorrowerClassificationType>Primary</BorrowerClassificationType>
<BorrowerMailToAddressSameAsPropertyIndicator>true</BorrowerMailToAddressSameAsPropertyIndicator>
<BorrowerQualifyingIncomeAmount>12500</BorrowerQualifyingIncomeAmount>
</BORROWER_DETAIL>
<CREDIT_SCORES>
<CREDIT_SCORE>
<CREDIT_SCORE_DETAIL>
<CreditReportIdentifier>5432109876</CreditReportIdentifier>
<CreditRepositorySourceIndicator>true</CreditRepositorySourceIndicator>
<CreditRepositorySourceType>Equifax</CreditRepositorySourceType>
<CreditScoreValue>730</CreditScoreValue>
</CREDIT_SCORE_DETAIL>
</CREDIT_SCORE>
</CREDIT_SCORES>
<DECLARATION>
<DECLARATION_DETAIL>
<BankruptcyIndicator>false</BankruptcyIndicator>
<BorrowerFirstTimeHomebuyerIndicator>true</BorrowerFirstTimeHomebuyerIndicator>
<CitizenshipResidencyType>USCitizen</CitizenshipResidencyType>
<LoanForeclosureOrJudgmentIndicator>false</LoanForeclosureOrJudgmentIndicator>
</DECLARATION_DETAIL>
</DECLARATION>
<EMPLOYERS>
<EMPLOYER>
<EMPLOYMENT>
<EmploymentBorrowerSelfEmployedIndicator>false</EmploymentBorrowerSelfEmployedIndicator>
</EMPLOYMENT>
</EMPLOYER>
</EMPLOYERS>
<GOVERNMENT_MONITORING>
<GOVERNMENT_MONITORING_DETAIL>
<EXTENSION>
<ULDD:OTHER>
<ULDD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>
<ULDD:HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>false</ULDD:HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>
<ULDD:HMDAEthnicityRefusalIndicator>false</ULDD:HMDAEthnicityRefusalIndicator>
<ULDD:HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>false</ULDD:HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>
<ULDD:HMDAGenderRefusalIndicator>false</ULDD:HMDAGenderRefusalIndicator>
<ULDD:HMDAGenderType>Male</ULDD:HMDAGenderType>
<ULDD:HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>false</ULDD:HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>
<ULDD:HMDARaceRefusalIndicator>false</ULDD:HMDARaceRefusalIndicator>
</ULDD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>
</ULDD:OTHER>
</EXTENSION>
</GOVERNMENT_MONITORING_DETAIL>
<HMDA_RACES>
<HMDA_RACE/>
<EXTENSION>
<ULDD:OTHER>
<ULDD:HMDA_RACE_EXTENSION>
<ULDD:HMDA_RACE_DETAIL>
<ULDD:HMDARaceType>BlackOrAfricanAmerican</ULDD:HMDARaceType>
</ULDD:HMDA_RACE_DETAIL>
</ULDD:HMDA_RACE_EXTENSION>
</ULDD:OTHER>
</EXTENSION>
</HMDA_RACES>
<EXTENSION>
<ULDD:OTHER>
<ULDD:GOVERNMENT_MONITORING_EXTENSION>
<ULDD:HMDA_ETHNICITIES>
<ULDD:HMDA_ETHNICITY>
<ULDD:HMDAEthnicityType>NotHispanicOrLatino</ULDD:HMDAEthnicityType>
</ULDD:HMDA_ETHNICITY>
</ULDD:HMDA_ETHNICITIES>
</ULDD:GOVERNMENT_MONITORING_EXTENSION>
</ULDD:OTHER>
</EXTENSION>
</GOVERNMENT_MONITORING>
</BORROWER>
<ROLE_DETAIL>
<PartyRoleType>Borrower</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
<TAXPAYER_IDENTIFIERS>
<TAXPAYER_IDENTIFIER>
<TaxpayerIdentifierType>SocialSecurityNumber</TaxpayerIdentifierType>
<TaxpayerIdentifierValue>888123456</TaxpayerIdentifierValue>
</TAXPAYER_IDENTIFIER>
</TAXPAYER_IDENTIFIERS>
</PARTY>
<PARTY>
<ROLES>
<PARTY_ROLE_IDENTIFIERS>
<PARTY_ROLE_IDENTIFIER>
<PartyRoleIdentifier>99999398668</PartyRoleIdentifier>
</PARTY_ROLE_IDENTIFIER>
</PARTY_ROLE_IDENTIFIERS>
<ROLE>
<ROLE_DETAIL>
<PartyRoleType>DocumentCustodian</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
</PARTY>
<PARTY>
<ROLES>
<PARTY_ROLE_IDENTIFIERS>
<PARTY_ROLE_IDENTIFIER>
<PartyRoleIdentifier>777777</PartyRoleIdentifier>
</PARTY_ROLE_IDENTIFIER>
</PARTY_ROLE_IDENTIFIERS>
<ROLE>
<ROLE_DETAIL>
<PartyRoleType>LoanOriginationCompany</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
</PARTY>
<PARTY>
<ROLES>
<PARTY_ROLE_IDENTIFIERS>
<PARTY_ROLE_IDENTIFIER>
<PartyRoleIdentifier>555555</PartyRoleIdentifier>
</PARTY_ROLE_IDENTIFIER>
</PARTY_ROLE_IDENTIFIERS>
<ROLE>
<LOAN_ORIGINATOR>
<LoanOriginatorType>Lender</LoanOriginatorType>
</LOAN_ORIGINATOR>
<ROLE_DETAIL>
<PartyRoleType>LoanOriginator</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
</PARTY>
<PARTY>
<ROLES>
<PARTY_ROLE_IDENTIFIERS>
<PARTY_ROLE_IDENTIFIER>
<PartyRoleIdentifier>999999999</PartyRoleIdentifier>
</PARTY_ROLE_IDENTIFIER>
</PARTY_ROLE_IDENTIFIERS>
<ROLE>
<ROLE_DETAIL>
<PartyRoleType>LoanSeller</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
</PARTY>
<PARTY>
<LEGAL_ENTITY>
<LEGAL_ENTITY_DETAIL>
<FullName>ABC Lender</FullName>
</LEGAL_ENTITY_DETAIL>
</LEGAL_ENTITY>
<ROLES>
<ROLE>
<ROLE_DETAIL>
<PartyRoleType>NotePayTo</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
</PARTY>
<PARTY>
<ROLES>
<PARTY_ROLE_IDENTIFIERS>
<PARTY_ROLE_IDENTIFIER>
<PartyRoleIdentifier>999999999</PartyRoleIdentifier>
</PARTY_ROLE_IDENTIFIER>
</PARTY_ROLE_IDENTIFIERS>
<ROLE>
<ROLE_DETAIL>
<PartyRoleType>Servicer</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
</PARTY>
</PARTIES>
</DEAL>
<DEAL>
<COLLATERALS>
<COLLATERAL>
<PROPERTIES>
<PROPERTY>
<ADDRESS>
<AddressLineText>111 Oak Street</AddressLineText>
<CityName>Anytown</CityName>
<PostalCode>20191</PostalCode>
<StateCode>VA</StateCode>
</ADDRESS>
<FLOOD_DETERMINATION>
<FLOOD_DETERMINATION_DETAIL>
<SpecialFloodHazardAreaIndicator>false</SpecialFloodHazardAreaIndicator>
</FLOOD_DETERMINATION_DETAIL>
</FLOOD_DETERMINATION>
<PROJECT>
<PROJECT_DETAIL>
<ProjectClassificationIdentifier>G</ProjectClassificationIdentifier>
<PUDIndicator>false</PUDIndicator>
</PROJECT_DETAIL>
</PROJECT>
<PROPERTY_DETAIL>
<AttachmentType>Detached</AttachmentType>
<ConstructionMethodType>SiteBuilt</ConstructionMethodType>
<FinancedUnitCount>1</FinancedUnitCount>
<PropertyEstateType>FeeSimple</PropertyEstateType>
<PropertyFloodInsuranceIndicator>false</PropertyFloodInsuranceIndicator>
<PropertyStructureBuiltYear>1998</PropertyStructureBuiltYear>
<PropertyUsageType>PrimaryResidence</PropertyUsageType>
</PROPERTY_DETAIL>
<PROPERTY_VALUATIONS>
<PROPERTY_VALUATION>
<PROPERTY_VALUATION_DETAIL>
<AppraisalIdentifier>1234567891</AppraisalIdentifier>
<PropertyValuationAmount>200000</PropertyValuationAmount>
<PropertyValuationEffectiveDate>2017-01-14</PropertyValuationEffectiveDate>
<PropertyValuationFormType>UniformResidentialAppraisalReport</PropertyValuationFormType>
<PropertyValuationMethodType>FullAppraisal</PropertyValuationMethodType>
</PROPERTY_VALUATION_DETAIL>
</PROPERTY_VALUATION>
</PROPERTY_VALUATIONS>
</PROPERTY>
</PROPERTIES>
</COLLATERAL>
</COLLATERALS>
<LOANS>
<COMBINED_LTVS>
<COMBINED_LTV>
<CombinedLTVRatioPercent>80</CombinedLTVRatioPercent>
</COMBINED_LTV>
</COMBINED_LTVS>
<LOAN LoanRoleType="SubjectLoan">
<AMORTIZATION>
<AMORTIZATION_RULE>
<LoanAmortizationPeriodCount>360</LoanAmortizationPeriodCount>
<LoanAmortizationPeriodType>Month</LoanAmortizationPeriodType>
<LoanAmortizationType>Fixed</LoanAmortizationType>
</AMORTIZATION_RULE>
</AMORTIZATION>
<FORM_SPECIFIC_CONTENTS>
<FORM_SPECIFIC_CONTENT>
<URLA>
<URLA_DETAIL>
<BorrowerPaidDiscountPointsTotalAmount>0.00</BorrowerPaidDiscountPointsTotalAmount>
<PurchasePriceAmount>200000</PurchasePriceAmount>
</URLA_DETAIL>
</URLA>
</FORM_SPECIFIC_CONTENT>
</FORM_SPECIFIC_CONTENTS>
<HMDA_LOAN>
<HMDA_HOEPALoanStatusIndicator>false</HMDA_HOEPALoanStatusIndicator>
<HMDARateSpreadPercent>1.6</HMDARateSpreadPercent>
</HMDA_LOAN>
<INTEREST_CALCULATION>
<INTEREST_CALCULATION_RULES>
<INTEREST_CALCULATION_RULE>
<InterestCalculationPeriodType>Month</InterestCalculationPeriodType>
<InterestCalculationType>Simple</InterestCalculationType>
</INTEREST_CALCULATION_RULE>
</INTEREST_CALCULATION_RULES>
</INTEREST_CALCULATION>
<LOAN_DETAIL>
<ApplicationReceivedDate>2016-12-21</ApplicationReceivedDate>
<AssumabilityIndicator>false</AssumabilityIndicator>
<BalloonIndicator>false</BalloonIndicator>
<BorrowerCount>1</BorrowerCount>
<BuydownTemporarySubsidyIndicator>false</BuydownTemporarySubsidyIndicator>
<CapitalizedLoanIndicator>false</CapitalizedLoanIndicator>
<ConstructionLoanIndicator>false</ConstructionLoanIndicator>
<ConvertibleIndicator>false</ConvertibleIndicator>
<EscrowIndicator>false</EscrowIndicator>
<InterestOnlyIndicator>false</InterestOnlyIndicator>
<LoanAffordableIndicator>false</LoanAffordableIndicator>
<PrepaymentPenaltyIndicator>false</PrepaymentPenaltyIndicator>
<RelocationLoanIndicator>false</RelocationLoanIndicator>
<SharedEquityIndicator>false</SharedEquityIndicator>
<TotalMortgagedPropertiesCount>0</TotalMortgagedPropertiesCount>
</LOAN_DETAIL>
<LOAN_LEVEL_CREDIT>
<LOAN_LEVEL_CREDIT_DETAIL>
<LoanLevelCreditScoreValue>730</LoanLevelCreditScoreValue>
</LOAN_LEVEL_CREDIT_DETAIL>
</LOAN_LEVEL_CREDIT>
<LOAN_STATE>
<LoanStateDate>2017-01-15</LoanStateDate>
<LoanStateType>AtClosing</LoanStateType>
</LOAN_STATE>
<LTV>
<BaseLTVRatioPercent>80</BaseLTVRatioPercent>
<LTVRatioPercent>80</LTVRatioPercent>
</LTV>
<MATURITY>
<MATURITY_RULE>
<LoanMaturityDate>2047-02-01</LoanMaturityDate>
<LoanMaturityPeriodCount>360</LoanMaturityPeriodCount>
<LoanMaturityPeriodType>Month</LoanMaturityPeriodType>
</MATURITY_RULE>
</MATURITY>
<PAYMENT>
<PAYMENT_RULE>
<InitialPrincipalAndInterestPaymentAmount>959.28</InitialPrincipalAndInterestPaymentAmount>
<PaymentFrequencyType>Monthly</PaymentFrequencyType>
<ScheduledFirstPaymentDate>2017-03-01</ScheduledFirstPaymentDate>
</PAYMENT_RULE>
</PAYMENT>
<QUALIFICATION>
<BorrowerReservesMonthlyPaymentCount>2</BorrowerReservesMonthlyPaymentCount>
<TotalLiabilitiesMonthlyPaymentAmount>2500</TotalLiabilitiesMonthlyPaymentAmount>
<TotalMonthlyIncomeAmount>12500</TotalMonthlyIncomeAmount>
<TotalMonthlyProposedHousingExpenseAmount>1125</TotalMonthlyProposedHousingExpenseAmount>
</QUALIFICATION>
<SELECTED_LOAN_PRODUCT>
<PRICE_LOCKS>
<PRICE_LOCK>
<PriceLockDatetime>2017-01-05</PriceLockDatetime>
</PRICE_LOCK>
</PRICE_LOCKS>
</SELECTED_LOAN_PRODUCT>
<TERMS_OF_MORTGAGE>
<LienPriorityType>FirstLien</LienPriorityType>
<LoanPurposeType>Purchase</LoanPurposeType>
<MortgageType>Conventional</MortgageType>
<NoteAmount>160000</NoteAmount>
<NoteDate>2017-01-15</NoteDate>
<NoteRatePercent>6.00</NoteRatePercent>
</TERMS_OF_MORTGAGE>
<UNDERWRITING>
<AUTOMATED_UNDERWRITINGS>
<AUTOMATED_UNDERWRITING>
<AutomatedUnderwritingCaseIdentifier>9876543210</AutomatedUnderwritingCaseIdentifier>
<AutomatedUnderwritingRecommendationDescription>ApproveEligible</AutomatedUnderwritingRecommendationDescription>
<AutomatedUnderwritingSystemType>DesktopUnderwriter</AutomatedUnderwritingSystemType>
</AUTOMATED_UNDERWRITING>
</AUTOMATED_UNDERWRITINGS>
<UNDERWRITING_DETAIL>
<LoanManualUnderwritingIndicator>false</LoanManualUnderwritingIndicator>
</UNDERWRITING_DETAIL>
</UNDERWRITING>
</LOAN>
<LOAN LoanRoleType="SubjectLoan">
<INVESTOR_FEATURES>
<INVESTOR_FEATURE>
<InvestorFeatureIdentifier>001</InvestorFeatureIdentifier>
</INVESTOR_FEATURE>
</INVESTOR_FEATURES>
<INVESTOR_LOAN_INFORMATION>
<BaseGuarantyFeePercent>0.25</BaseGuarantyFeePercent>
<GuarantyFeeAfterAlternatePaymentMethodPercent>0.25</GuarantyFeeAfterAlternatePaymentMethodPercent>
<GuarantyFeePercent>0.25</GuarantyFeePercent>
<InvestorOwnershipPercent>100</InvestorOwnershipPercent>
<InvestorRemittanceDay>---18</InvestorRemittanceDay>
<InvestorRemittanceType>ScheduledInterestScheduledPrincipal</InvestorRemittanceType>
<LoanAcquisitionScheduledUPBAmount>159840.72</LoanAcquisitionScheduledUPBAmount>
<LoanDefaultLossPartyType>Lender</LoanDefaultLossPartyType>
<REOMarketingPartyType>Lender</REOMarketingPartyType>
</INVESTOR_LOAN_INFORMATION>
<LOAN_DETAIL>
<MortgageModificationIndicator>false</MortgageModificationIndicator>
</LOAN_DETAIL>
<LOAN_IDENTIFIERS>
<LOAN_IDENTIFIER>
<InvestorContractIdentifier>A03456</InvestorContractIdentifier>
</LOAN_IDENTIFIER>
<LOAN_IDENTIFIER>
<MERS_MINIdentifier>987654321123466000</MERS_MINIdentifier>
</LOAN_IDENTIFIER>
<LOAN_IDENTIFIER>
<SellerLoanIdentifier>123456790</SellerLoanIdentifier>
</LOAN_IDENTIFIER>
</LOAN_IDENTIFIERS>
<LOAN_PROGRAMS>
<LOAN_PROGRAM>
<LoanProgramIdentifier>LoanFirstTimeHomebuyer</LoanProgramIdentifier>
</LOAN_PROGRAM>
</LOAN_PROGRAMS>
<LOAN_STATE>
<LoanStateDate>2017-02-25</LoanStateDate>
<LoanStateType>Current</LoanStateType>
</LOAN_STATE>
<MI_DATA>
<MI_DATA_DETAIL>
<PrimaryMIAbsenceReasonType>NoMIBasedOnOriginalLTV</PrimaryMIAbsenceReasonType>
</MI_DATA_DETAIL>
</MI_DATA>
<PAYMENT>
<PAYMENT_SUMMARY>
<LastPaidInstallmentDueDate>2017-02-01</LastPaidInstallmentDueDate>
<UPBAmount>160000</UPBAmount>
</PAYMENT_SUMMARY>
</PAYMENT>
<SERVICING>
<DELINQUENCY_SUMMARY>
<DelinquentPaymentsOverPastTwelveMonthsCount>0</DelinquentPaymentsOverPastTwelveMonthsCount>
</DELINQUENCY_SUMMARY>
</SERVICING>
</LOAN>
</LOANS>
<PARTIES>
<PARTY>
<ROLES>
<ROLE>
<APPRAISER>
<APPRAISER_LICENSE>
<AppraiserLicenseIdentifier>123456ABC</AppraiserLicenseIdentifier>
</APPRAISER_LICENSE>
</APPRAISER>
<ROLE_DETAIL>
<PartyRoleType>Appraiser</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
</PARTY>
<PARTY>
<ROLES>
<ROLE>
<APPRAISER_SUPERVISOR>
<APPRAISER_LICENSE>
<AppraiserLicenseIdentifier>1234ABC</AppraiserLicenseIdentifier>
</APPRAISER_LICENSE>
</APPRAISER_SUPERVISOR>
<ROLE_DETAIL>
<PartyRoleType>AppraiserSupervisor</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
</PARTY>
<PARTY>
<INDIVIDUAL>
<NAME>
<FirstName>Jane</FirstName>
<LastName>Smith</LastName>
</NAME>
</INDIVIDUAL>
<ROLES>
<ROLE>
<BORROWER>
<BORROWER_DETAIL>
<BorrowerAgeAtApplicationYearsCount>41</BorrowerAgeAtApplicationYearsCount>
<BorrowerBirthDate>1975-01-02</BorrowerBirthDate>
<BorrowerClassificationType>Primary</BorrowerClassificationType>
<BorrowerMailToAddressSameAsPropertyIndicator>true</BorrowerMailToAddressSameAsPropertyIndicator>
<BorrowerQualifyingIncomeAmount>12500</BorrowerQualifyingIncomeAmount>
</BORROWER_DETAIL>
<CREDIT_SCORES>
<CREDIT_SCORE>
<CREDIT_SCORE_DETAIL>
<CreditReportIdentifier>4321098765</CreditReportIdentifier>
<CreditRepositorySourceIndicator>true</CreditRepositorySourceIndicator>
<CreditRepositorySourceType>Equifax</CreditRepositorySourceType>
<CreditScoreValue>730</CreditScoreValue>
</CREDIT_SCORE_DETAIL>
</CREDIT_SCORE>
</CREDIT_SCORES>
<DECLARATION>
<DECLARATION_DETAIL>
<BankruptcyIndicator>false</BankruptcyIndicator>
<BorrowerFirstTimeHomebuyerIndicator>true</BorrowerFirstTimeHomebuyerIndicator>
<CitizenshipResidencyType>USCitizen</CitizenshipResidencyType>
<LoanForeclosureOrJudgmentIndicator>false</LoanForeclosureOrJudgmentIndicator>
</DECLARATION_DETAIL>
</DECLARATION>
<EMPLOYERS>
<EMPLOYER>
<EMPLOYMENT>
<EmploymentBorrowerSelfEmployedIndicator>false</EmploymentBorrowerSelfEmployedIndicator>
</EMPLOYMENT>
</EMPLOYER>
</EMPLOYERS>
<GOVERNMENT_MONITORING>
<GOVERNMENT_MONITORING_DETAIL>
<EXTENSION>
<ULDD:OTHER>
<ULDD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>
<ULDD:HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>false</ULDD:HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>
<ULDD:HMDAEthnicityRefusalIndicator>false</ULDD:HMDAEthnicityRefusalIndicator>
<ULDD:HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>false</ULDD:HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>
<ULDD:HMDAGenderRefusalIndicator>false</ULDD:HMDAGenderRefusalIndicator>
<ULDD:HMDAGenderType>Female</ULDD:HMDAGenderType>
<ULDD:HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>false</ULDD:HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>
<ULDD:HMDARaceRefusalIndicator>false</ULDD:HMDARaceRefusalIndicator>
</ULDD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>
</ULDD:OTHER>
</EXTENSION>
</GOVERNMENT_MONITORING_DETAIL>
<HMDA_RACES>
<HMDA_RACE>
<EXTENSION>
<ULDD:OTHER>
<ULDD:HMDA_RACE_EXTENSION>
<ULDD:HMDA_RACE_DETAIL>
<ULDD:HMDARaceType>BlackOrAfricanAmerican</ULDD:HMDARaceType>
</ULDD:HMDA_RACE_DETAIL>
</ULDD:HMDA_RACE_EXTENSION>
</ULDD:OTHER>
</EXTENSION>
</HMDA_RACE>
</HMDA_RACES>
<EXTENSION>
<ULDD:OTHER>
<ULDD:GOVERNMENT_MONITORING_EXTENSION>
<ULDD:HMDA_ETHNICITIES>
<ULDD:HMDA_ETHNICITY>
<ULDD:HMDAEthnicityType>NotHispanicOrLatino</ULDD:HMDAEthnicityType>
</ULDD:HMDA_ETHNICITY>
</ULDD:HMDA_ETHNICITIES>
</ULDD:GOVERNMENT_MONITORING_EXTENSION>
</ULDD:OTHER>
</EXTENSION>
</GOVERNMENT_MONITORING>
</BORROWER>
<ROLE_DETAIL>
<PartyRoleType>Borrower</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
<TAXPAYER_IDENTIFIERS>
<TAXPAYER_IDENTIFIER>
<TaxpayerIdentifierType>SocialSecurityNumber</TaxpayerIdentifierType>
<TaxpayerIdentifierValue>888123457</TaxpayerIdentifierValue>
</TAXPAYER_IDENTIFIER>
</TAXPAYER_IDENTIFIERS>
</PARTY>
<PARTY>
<ROLES>
<PARTY_ROLE_IDENTIFIERS>
<PARTY_ROLE_IDENTIFIER>
<PartyRoleIdentifier>99999398668</PartyRoleIdentifier>
</PARTY_ROLE_IDENTIFIER>
</PARTY_ROLE_IDENTIFIERS>
<ROLE>
<ROLE_DETAIL>
<PartyRoleType>DocumentCustodian</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
</PARTY>
<PARTY>
<ROLES>
<PARTY_ROLE_IDENTIFIERS>
<PARTY_ROLE_IDENTIFIER>
<PartyRoleIdentifier>777777</PartyRoleIdentifier>
</PARTY_ROLE_IDENTIFIER>
</PARTY_ROLE_IDENTIFIERS>
<ROLE>
<ROLE_DETAIL>
<PartyRoleType>LoanOriginationCompany</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
</PARTY>
<PARTY>
<ROLES>
<PARTY_ROLE_IDENTIFIERS>
<PARTY_ROLE_IDENTIFIER>
<PartyRoleIdentifier>555555</PartyRoleIdentifier>
</PARTY_ROLE_IDENTIFIER>
</PARTY_ROLE_IDENTIFIERS>
<ROLE>
<LOAN_ORIGINATOR>
<LoanOriginatorType>Lender</LoanOriginatorType>
</LOAN_ORIGINATOR>
<ROLE_DETAIL>
<PartyRoleType>LoanOriginator</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
</PARTY>
<PARTY>
<ROLES>
<PARTY_ROLE_IDENTIFIERS>
<PARTY_ROLE_IDENTIFIER>
<PartyRoleIdentifier>999999999</PartyRoleIdentifier>
</PARTY_ROLE_IDENTIFIER>
</PARTY_ROLE_IDENTIFIERS>
<ROLE>
<ROLE_DETAIL>
<PartyRoleType>LoanSeller</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
</PARTY>
<PARTY>
<LEGAL_ENTITY>
<LEGAL_ENTITY_DETAIL>
<FullName>ABCLender</FullName>
</LEGAL_ENTITY_DETAIL>
</LEGAL_ENTITY>
<ROLES>
<ROLE>
<ROLE_DETAIL>
<PartyRoleType>NotePayTo</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
</PARTY>
<PARTY>
<ROLES>
<PARTY_ROLE_IDENTIFIERS>
<PARTY_ROLE_IDENTIFIER>
<PartyRoleIdentifier>999999999</PartyRoleIdentifier>
</PARTY_ROLE_IDENTIFIER>
</PARTY_ROLE_IDENTIFIERS>
<ROLE>
<ROLE_DETAIL>
<PartyRoleType>Servicer</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
</PARTY>
</PARTIES>
</DEAL>
</DEALS>
<PARTIES>
<PARTY>
<ROLES>
<PARTY_ROLE_IDENTIFIERS>
<PARTY_ROLE_IDENTIFIER>
<PartyRoleIdentifier>99999398668</PartyRoleIdentifier>
</PARTY_ROLE_IDENTIFIER>
</PARTY_ROLE_IDENTIFIERS>
<ROLE>
<ROLE_DETAIL>
<PartyRoleType>DocumentCustodian</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
</PARTY>
<PARTY>
<ROLES>
<PARTY_ROLE_IDENTIFIERS>
<PARTY_ROLE_IDENTIFIER>
<PartyRoleIdentifier>999999999</PartyRoleIdentifier>
</PARTY_ROLE_IDENTIFIER>
</PARTY_ROLE_IDENTIFIERS>
<ROLE>
<ROLE_DETAIL>
<PartyRoleType>LoanSeller</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
</PARTY>
<PARTY>
<ROLES>
<PARTY_ROLE_IDENTIFIERS>
<PARTY_ROLE_IDENTIFIER>
<PartyRoleIdentifier>999999999</PartyRoleIdentifier>
</PARTY_ROLE_IDENTIFIER>
</PARTY_ROLE_IDENTIFIERS>
<ROLE>
<ROLE_DETAIL>
<PartyRoleType>Servicer</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
</PARTY>
</PARTIES>
<POOL>
<POOL_DETAIL>
<PoolAccrualRateStructureType>StatedStructure</PoolAccrualRateStructureType>
<PoolAmortizationType>Fixed</PoolAmortizationType>
<PoolAssumabilityIndicator>false</PoolAssumabilityIndicator>
<PoolBalloonIndicator>false</PoolBalloonIndicator>
<PoolIdentifier>MZ9999</PoolIdentifier>
<PoolInterestOnlyIndicator>false</PoolInterestOnlyIndicator>
<PoolIssueDate>2017-03-01</PoolIssueDate>
<PoolMortgageType>Conventional</PoolMortgageType>
<PoolOwnershipPercent>100</PoolOwnershipPercent>
<PoolScheduledRemittancePaymentDay>---18</PoolScheduledRemittancePaymentDay>
<PoolSecurityIssueDateInterestRatePercent>5.5</PoolSecurityIssueDateInterestRatePercent>
<PoolStructureType>InvestorDefinedMultipleLender</PoolStructureType>
<PoolSuffixIdentifier>A</PoolSuffixIdentifier>
<SecurityTradeBookEntryDate>2017-03-30</SecurityTradeBookEntryDate>
</POOL_DETAIL>
</POOL>
</DEAL_SET>
<PARTIES>
<PARTY>
<ROLES>
<PARTY_ROLE_IDENTIFIERS>
<PARTY_ROLE_IDENTIFIER>
<PartyRoleIdentifier>ABCLender</PartyRoleIdentifier>
</PARTY_ROLE_IDENTIFIER>
</PARTY_ROLE_IDENTIFIERS>
<ROLE>
<ROLE_DETAIL>
<PartyRoleType>LoanDeliveryFilePreparer</PartyRoleType>
</ROLE_DETAIL>
</ROLE>
</ROLES>
</PARTY>
</PARTIES>
</DEAL_SETS>
</MESSAGE>

