Servicing Guide

Published November 10, 2020

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What record layout should be used for the delinquent mortgage loan file extract? 

The record layout detailed in the following table must be used for the delinquent mortgage loan file extract. 

# Data Element Position Format Required Field Definition
1 Servicer Number 1-9 9 N/ 9(9) Yes Fannie Mae-assigned servicer number.
2 Space 10 X(1) Yes  
3 Fannie Mae Loan Number 11-20 10 AN / 9(10) Yes 10-digit unique Fannie Mae- assigned loan number.
4 Space 21 X(1) Yes  
5 Delinquency Status Code 22-23 2 AN / X(2) Yes The latest action or stage of a specific action for a mortgage in each reporting cycle.
6 Space 24 X(1) Yes  
7 Reason for Delinquency Code 25-27 3 AN / X(3) Yes Describes the circumstance that appears to be the primary contributing factor to the delinquency.
8 Space 28 X(1) Yes  
9 Default Effective Date 29-36 8 N / 9(8) Required for codes 09, 12, 15, 17, 80, BF and AW. Date the delinquency status code becomes effective.
10 Space 37 X(1) Yes  
11 Default Completion Date 38-45 8 N / 9(8) Required for codes 09, 12,15, 17 and BF. Date the delinquency status was completed.
12 Space 46 X(1) Yes  
13 Forbearance Program Type Code 47 1 N / X(1) Required for reporting forbearance program type

Indicates what type of forbearance plan the borrower is on:

  • 0 = Forbearance

14 Space 48 X(1) Yes  
15 Imminent Default Indicator 49 1 N / X(1) Required for reporting when the Forbearance Program Type Code is a value other than 0.

Indicates the loan has been placed in forbearance because the borrower has been determined to be in imminent default.

  • 1 = YES or

  • 0 = NO or Space (Empty)

16 Space 50 X(1) Yes  
17 Forbearance Program Payment Amount 51 -61 11 N / 9(8).99 Required for reporting when the Forbearance Program Type Code is a value other than 0.

The forbearance program payment amount is the amount agreed to, not the actual amount received.

If the value is short of length, prefix with zeros and suffix with zeros after the decimal.

18 Space 62 X(1) Yes  
19 Forbearance Program Payment Date 63 -70 8 AN / X(1) Required for reporting forbearance program payment date Date the forbearance payment was received during the last reporting month.
20 Space 71 X(1) Yes  
21 Ninety Plus New Layout Indicator 72-75 4 AN / X(4) Required for reporting forbearance program

Enter 4 spaces.

22 Space 76 X(5) Yes

For more information please see Servicing Guide F-1-22, Reporting a Delinquent Mortgage Loan via Fannie Mae’s Servicing Solutions System. 

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