<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 ULDD_Phase_5_Extension.xsd">
	<ABOUT_VERSIONS>
		<ABOUT_VERSION>
			<AboutVersionIdentifier>FNM 5.0</AboutVersionIdentifier>
			<CreatedDatetime>2024-08-26T09:07:33</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>true</PropertyFloodInsuranceIndicator>
										<PropertyStructureBuiltYear>1998</PropertyStructureBuiltYear>
										<PropertyUsageType>PrimaryResidence</PropertyUsageType>
									</PROPERTY_DETAIL>
									<PROPERTY_VALUATIONS>
										<PROPERTY_VALUATION>
											<PROPERTY_VALUATION_DETAIL>
												<AppraisalIdentifier>1234567890</AppraisalIdentifier>
												<PropertyValuationAmount>200000</PropertyValuationAmount>
												<PropertyValuationEffectiveDate>2024-08-01</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">
							<ADJUSTMENT>
								<INTEREST_RATE_ADJUSTMENT>
									<INDEX_RULES>
										<INDEX_RULE>
											<IndexSourceType>Other</IndexSourceType>
											<IndexSourceTypeOtherDescription>30DayAverageSOFR</IndexSourceTypeOtherDescription>
											<InterestAndPaymentAdjustmentIndexLeadDaysCount>45</InterestAndPaymentAdjustmentIndexLeadDaysCount>
										</INDEX_RULE>
									</INDEX_RULES>
									<INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE>
										<CeilingRatePercent>10.5</CeilingRatePercent>
										<FirstRateChangePaymentEffectiveDate>2027-10-01</FirstRateChangePaymentEffectiveDate>
										<FloorRatePercent>2.000</FloorRatePercent>
										<InterestRateRoundingPercent>.125</InterestRateRoundingPercent>
										<InterestRateRoundingType>Nearest</InterestRateRoundingType>
										<MarginRatePercent>2.00</MarginRatePercent>
									</INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE>
									<INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES>
										<INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE>
											<AdjustmentRuleType>First</AdjustmentRuleType>
											<PerChangeMaximumDecreaseRatePercent>2</PerChangeMaximumDecreaseRatePercent>
											<PerChangeMaximumIncreaseRatePercent>2</PerChangeMaximumIncreaseRatePercent>
											<PerChangeRateAdjustmentEffectiveDate>2027-09-01</PerChangeRateAdjustmentEffectiveDate>
											<PerChangeRateAdjustmentFrequencyMonthsCount>6</PerChangeRateAdjustmentFrequencyMonthsCount>
										</INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE>
										<INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE>
											<AdjustmentRuleType>Subsequent</AdjustmentRuleType>
											<PerChangeMaximumDecreaseRatePercent>1</PerChangeMaximumDecreaseRatePercent>
											<PerChangeMaximumIncreaseRatePercent>1</PerChangeMaximumIncreaseRatePercent>
											<PerChangeRateAdjustmentEffectiveDate>2028-03-01</PerChangeRateAdjustmentEffectiveDate>
											<PerChangeRateAdjustmentFrequencyMonthsCount>6</PerChangeRateAdjustmentFrequencyMonthsCount>
										</INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE>
									</INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES>
								</INTEREST_RATE_ADJUSTMENT>
							</ADJUSTMENT>
							<AMORTIZATION>
								<AMORTIZATION_RULE>
									<LoanAmortizationPeriodCount>360</LoanAmortizationPeriodCount>
									<LoanAmortizationPeriodType>Month</LoanAmortizationPeriodType>
									<LoanAmortizationType>AdjustableRate</LoanAmortizationType>
								</AMORTIZATION_RULE>
							</AMORTIZATION>
							<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>2024-07-21</ApplicationReceivedDate>
								<AssumabilityIndicator>true</AssumabilityIndicator>
								<BalloonIndicator>false</BalloonIndicator>
								<BorrowerCount>2</BorrowerCount>
								<BuydownTemporarySubsidyIndicator>false</BuydownTemporarySubsidyIndicator>
								<CapitalizedLoanIndicator>false</CapitalizedLoanIndicator>
								<ConstructionLoanIndicator>false</ConstructionLoanIndicator>
								<ConvertibleIndicator>false</ConvertibleIndicator>
								<ENoteIndicator>true</ENoteIndicator>
								<EscrowIndicator>true</EscrowIndicator>
								<InitialFixedPeriodEffectiveMonthsCount>36</InitialFixedPeriodEffectiveMonthsCount>
								<InterestOnlyIndicator>false</InterestOnlyIndicator>
								<LoanAffordableIndicator>false</LoanAffordableIndicator>
								<PrepaymentPenaltyIndicator>false</PrepaymentPenaltyIndicator>
								<RelocationLoanIndicator>false</RelocationLoanIndicator>
								<SharedEquityIndicator>false</SharedEquityIndicator>
								<TotalMortgagedPropertiesCount>1</TotalMortgagedPropertiesCount>
							</LOAN_DETAIL>
							<LOAN_LEVEL_CREDIT>
								<LOAN_LEVEL_CREDIT_DETAIL>
									<LoanLevelCreditScoreSelectionMethodType>MiddleOrLowerThenLowest</LoanLevelCreditScoreSelectionMethodType>
									<LoanLevelCreditScoreValue>730</LoanLevelCreditScoreValue>
								</LOAN_LEVEL_CREDIT_DETAIL>
							</LOAN_LEVEL_CREDIT>
							<LOAN_STATE>
								<LoanStateDate>2024-08-15</LoanStateDate>
								<LoanStateType>AtClosing</LoanStateType>
							</LOAN_STATE>
							<LTV>
								<BaseLTVRatioPercent>80</BaseLTVRatioPercent>
								<LTVRatioPercent>80</LTVRatioPercent>
							</LTV>
							<MATURITY>
								<MATURITY_RULE>
									<LoanMaturityDate>2054-09-01</LoanMaturityDate>
									<LoanMaturityPeriodCount>360</LoanMaturityPeriodCount>
									<LoanMaturityPeriodType>Month</LoanMaturityPeriodType>
								</MATURITY_RULE>
							</MATURITY>
							<PAYMENT>
								<PAYMENT_RULE>
									<InitialPrincipalAndInterestPaymentAmount>908.46</InitialPrincipalAndInterestPaymentAmount>
									<PaymentFrequencyType>Monthly</PaymentFrequencyType>
									<ScheduledFirstPaymentDate>2024-10-01</ScheduledFirstPaymentDate>
								</PAYMENT_RULE>
							</PAYMENT>
							<QUALIFICATION>
								<BorrowerReservesMonthlyPaymentCount>4</BorrowerReservesMonthlyPaymentCount>
								<TotalLiabilitiesMonthlyPaymentAmount>2500</TotalLiabilitiesMonthlyPaymentAmount>
								<TotalMonthlyIncomeAmount>12500</TotalMonthlyIncomeAmount>
								<TotalMonthlyProposedHousingExpenseAmount>1125</TotalMonthlyProposedHousingExpenseAmount>
							</QUALIFICATION>
							<REFINANCE>
								<RefinanceCashOutDeterminationType>LimitedCashOut</RefinanceCashOutDeterminationType>
							</REFINANCE>
							<SELECTED_LOAN_PRODUCT>
								<PRICE_LOCKS>
									<PRICE_LOCK>
										<PriceLockDatetime>2024-08-05</PriceLockDatetime>
									</PRICE_LOCK>
								</PRICE_LOCKS>
							</SELECTED_LOAN_PRODUCT>
							<TERMS_OF_MORTGAGE>
								<DisclosedIndexRatePercent>2.156</DisclosedIndexRatePercent>
								<LienPriorityType>FirstLien</LienPriorityType>
								<LoanPurposeType>Refinance</LoanPurposeType>
								<MortgageType>Conventional</MortgageType>
								<NoteAmount>160000</NoteAmount>
								<NoteDate>2024-08-15</NoteDate>
								<NoteRatePercent>5.50</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">
							<ADJUSTMENT>
								<RATE_OR_PAYMENT_CHANGE_OCCURRENCES>
									<RATE_OR_PAYMENT_CHANGE_OCCURRENCE>
										<NextRateAdjustmentEffectiveDate>2027-09-01</NextRateAdjustmentEffectiveDate>
									</RATE_OR_PAYMENT_CHANGE_OCCURRENCE>
								</RATE_OR_PAYMENT_CHANGE_OCCURRENCES>
							</ADJUSTMENT>
							<ESCROW>
								<ESCROW_DETAIL>
									<EscrowBalanceAmount>1082.70</EscrowBalanceAmount>
								</ESCROW_DETAIL>
								<ESCROW_ITEMS>
									<ESCROW_ITEM>
										<ESCROW_ITEM_DETAIL>
											<EscrowItemType>CityPropertyTax</EscrowItemType>
											<EscrowMonthlyPaymentAmount>148.00</EscrowMonthlyPaymentAmount>
										</ESCROW_ITEM_DETAIL>
									</ESCROW_ITEM>
									<ESCROW_ITEM>
										<ESCROW_ITEM_DETAIL>
											<EscrowItemType>HazardInsurance</EscrowItemType>
											<EscrowMonthlyPaymentAmount>42.00</EscrowMonthlyPaymentAmount>
										</ESCROW_ITEM_DETAIL>
									</ESCROW_ITEM>
									<ESCROW_ITEM>
										<ESCROW_ITEM_DETAIL>
											<EscrowItemType>FloodInsurance</EscrowItemType>
											<EscrowMonthlyPaymentAmount>26.54</EscrowMonthlyPaymentAmount>
										</ESCROW_ITEM_DETAIL>
									</ESCROW_ITEM>
								</ESCROW_ITEMS>
							</ESCROW>
							<INVESTOR_FEATURES>
								<INVESTOR_FEATURE>
									<InvestorFeatureIdentifier>508</InvestorFeatureIdentifier>
								</INVESTOR_FEATURE>
							</INVESTOR_FEATURES>
							<INVESTOR_LOAN_INFORMATION>
								<InvestorOwnershipPercent>100</InvestorOwnershipPercent>
								<InvestorProductPlanIdentifier>4926</InvestorProductPlanIdentifier>
								<InvestorRemittanceType>ActualInterestActualPrincipal</InvestorRemittanceType>
							</INVESTOR_LOAN_INFORMATION>
							<LOAN_DETAIL>
								<CurrentInterestRatePercent>5.50</CurrentInterestRatePercent>
								<MortgageModificationIndicator>false</MortgageModificationIndicator>
								<WarehouseLenderIndicator>false</WarehouseLenderIndicator>
								<EXTENSION>
									<ULDD:OTHER>
										<ULDD:LOAN_DETAIL_EXTENSION>
											<ULDD:RemoteOnlineNotarizationIndicator>false</ULDD:RemoteOnlineNotarizationIndicator>
										</ULDD:LOAN_DETAIL_EXTENSION>
									</ULDD:OTHER>
								</EXTENSION>
							</LOAN_DETAIL>
							<LOAN_IDENTIFIERS>
								<LOAN_IDENTIFIER>
									<InvestorCommitmentIdentifier>999999</InvestorCommitmentIdentifier>
								</LOAN_IDENTIFIER>
								<LOAN_IDENTIFIER>
									<MERS_MINIdentifier>987654321123456000</MERS_MINIdentifier>
								</LOAN_IDENTIFIER>
								<LOAN_IDENTIFIER>
									<SellerLoanIdentifier>123456789</SellerLoanIdentifier>
								</LOAN_IDENTIFIER>
								<LOAN_IDENTIFIER>
									<ServicerLoanIdentifier>63978911</ServicerLoanIdentifier>
								</LOAN_IDENTIFIER>
							</LOAN_IDENTIFIERS>
							<LOAN_STATE>
								<LoanStateDate>2024-08-26</LoanStateDate>
								<LoanStateType>Current</LoanStateType>
							</LOAN_STATE>
							<MERS_REGISTRATIONS>
								<MERS_REGISTRATION>
									<MERSRegistrationStatusType>Active</MERSRegistrationStatusType>
								</MERS_REGISTRATION>
							</MERS_REGISTRATIONS>
							<MI_DATA>
								<MI_DATA_DETAIL>
									<PrimaryMIAbsenceReasonType>NoMIBasedOnOriginalLTV</PrimaryMIAbsenceReasonType>
								</MI_DATA_DETAIL>
							</MI_DATA>
							<PAYMENT>
								<PAYMENT_COMPONENT_BREAKOUTS>
									<PAYMENT_COMPONENT_BREAKOUT>
										<PrincipalAndInterestPaymentAmount>908.46</PrincipalAndInterestPaymentAmount>
									</PAYMENT_COMPONENT_BREAKOUT>
								</PAYMENT_COMPONENT_BREAKOUTS>
								<PAYMENT_SUMMARY>
									<LastPaidInstallmentDueDate>2024-09-01</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>1979-08-02</BorrowerBirthDate>
											<BorrowerClassificationType>Primary</BorrowerClassificationType>
											<BorrowerMailToAddressSameAsPropertyIndicator>true</BorrowerMailToAddressSameAsPropertyIndicator>
											<BorrowerQualifyingIncomeAmount>7000</BorrowerQualifyingIncomeAmount>
										</BORROWER_DETAIL>
										<CREDIT_SCORES>
											<CREDIT_SCORE>
												<CREDIT_SCORE_DETAIL>
													<CreditReportIdentifier>5432109876</CreditReportIdentifier>
													<CreditRepositorySourceIndicator>true</CreditRepositorySourceIndicator>
													<CreditRepositorySourceType>Equifax</CreditRepositorySourceType>
													<CreditScoreValue>763</CreditScoreValue>
												</CREDIT_SCORE_DETAIL>
											</CREDIT_SCORE>
										</CREDIT_SCORES>
										<DECLARATION>
											<DECLARATION_DETAIL>
												<BankruptcyIndicator>false</BankruptcyIndicator>
												<CitizenshipResidencyType>USCitizen</CitizenshipResidencyType>
												<IntentToOccupyType>Yes</IntentToOccupyType>
											</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>true</ULDD:HMDAGenderRefusalIndicator>
															<ULDD:HMDAGenderType>InformationNotProvidedUnknown</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>AmericanIndianOrAlaskaNative</ULDD:HMDARaceType>
																	<ULDD:HMDARaceTypeAdditionalDescription>Cherokee</ULDD:HMDARaceTypeAdditionalDescription>
																</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>888123456</TaxpayerIdentifierValue>
								</TAXPAYER_IDENTIFIER>
							</TAXPAYER_IDENTIFIERS>
						</PARTY>
						<PARTY>
							<INDIVIDUAL>
								<NAME>
									<FirstName>Nancy</FirstName>
									<LastName>Smith</LastName>
								</NAME>
							</INDIVIDUAL>
							<ROLES>
								<ROLE>
									<BORROWER>
										<BORROWER_DETAIL>
											<BorrowerAgeAtApplicationYearsCount>42</BorrowerAgeAtApplicationYearsCount>
											<BorrowerBirthDate>1982-04-14</BorrowerBirthDate>
											<BorrowerClassificationType>Secondary</BorrowerClassificationType>
											<BorrowerMailToAddressSameAsPropertyIndicator>true</BorrowerMailToAddressSameAsPropertyIndicator>
											<BorrowerQualifyingIncomeAmount>5500</BorrowerQualifyingIncomeAmount>
										</BORROWER_DETAIL>
										<CREDIT_SCORES>
											<CREDIT_SCORE>
												<CREDIT_SCORE_DETAIL>
													<CreditReportIdentifier>5432109876</CreditReportIdentifier>
													<CreditRepositorySourceIndicator>true</CreditRepositorySourceIndicator>
													<CreditRepositorySourceType>TransUnion</CreditRepositorySourceType>
													<CreditScoreValue>730</CreditScoreValue>
												</CREDIT_SCORE_DETAIL>
											</CREDIT_SCORE>
										</CREDIT_SCORES>
										<DECLARATION>
											<DECLARATION_DETAIL>
												<BankruptcyIndicator>false</BankruptcyIndicator>
												<CitizenshipResidencyType>USCitizen</CitizenshipResidencyType>
												<IntentToOccupyType>Yes</IntentToOccupyType>
											</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>true</ULDD:HMDAGenderRefusalIndicator>
															<ULDD:HMDAGenderType>InformationNotProvidedUnknown</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>AmericanIndianOrAlaskaNative</ULDD:HMDARaceType>
																	<ULDD:HMDARaceTypeAdditionalDescription>Cherokee</ULDD:HMDARaceTypeAdditionalDescription>
																</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>888987654</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>888888</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>999999</PartyRoleIdentifier>
									</PARTY_ROLE_IDENTIFIER>
								</PARTY_ROLE_IDENTIFIERS>
								<ROLE>
									<LOAN_ORIGINATOR>
										<LoanOriginatorType>Broker</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>Payee</PartyRoleType>
									</ROLE_DETAIL>
								</ROLE>
							</ROLES>
						</PARTY>
						<PARTY>
							<ROLES>
								<PARTY_ROLE_IDENTIFIERS>
									<PARTY_ROLE_IDENTIFIER>
										<PartyRoleIdentifier>333333333</PartyRoleIdentifier>
									</PARTY_ROLE_IDENTIFIER>
								</PARTY_ROLE_IDENTIFIERS>
								<ROLE>
									<ROLE_DETAIL>
										<PartyRoleType>Servicer</PartyRoleType>
									</ROLE_DETAIL>
								</ROLE>
							</ROLES>
						</PARTY>
					</PARTIES>
				</DEAL>
			</DEALS>
		</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>
