Use the Services API to submit requests and retrieve Automated Underwriting System (AUS) reports from Fannie Mae Desktop Underwriter (DU) and Freddie Mac Loan Product Advisor (LPA) services.
This page contains the common product attributes used by DU and LPA, as well as attributes and samples that are specific to each service partner.
Product Attributes
The following table lists common attributes for Fannie Mae and Freddie Mac. The attributes listed in the following table are required by Fannie Mae and Freddie Mac unless otherwise specified.
ATTRIBUTE | DESCRIPTION |
---|---|
entityRef object | References the entity ID and entity type. Both must include the loan ID and borrower application ID associated with the loan. Both are returned by getLoan. |
entityRef.entityId string | The entity identifier. For example, the loan ID:loan |
entityRef.entityType string | The type of entity expressed in URN format. For example: urn:elli:encompass:{loanId} |
name string | Name of the product to order. Possible values are provided in the Partner Information table below, under Product Name - Resource_Transaction and Product Name - Resource. For example, AUS-DU or AUS. |
credentials object | Object that encapsulates credentials and/or verification information with the AUS provider. |
credentials.userName string | Username for the service provider account. |
credentials.password string | Password for the service provider account. |
credentials.creditProviderUserName string | Account username for credit provider with whom credit will be reissued as part of the underwriting service request. |
credentials.creditProviderPassword string | Account password for credit provider with whom credit will be reissued as part of the underwriting service request. |
options object | Important! The parameters defined by the options object will be different depending on the service provider you choose. To view options attributes and samples specific to a service provider, see: - Fannie Mae Desktop Underwriter - Fannie Mae Desktop Originator (DO) - Fannie Mae EarlyCheck - Freddie Mac Loan Product Advisor |
options.requestType string | The type of underwriting request to place with the AUS provider. This can be a request or resubmission of an existing request. For the latter, you need to pass identifier(s) for the existing request on the AUS providers platform. Possible values are: - newOrder - place a new underwriting service request for the referenced loan. - resubmit - resubmit an underwriting service request for the referenced loan.Note: For a resubmit request, a reference to an existing underwriting service request must be passed via the: options.ausReportIdentifier and options.ausReportLoanIdentifier attributes. options.ausReportLoanIdentifier is the LPA Loan ID. It is not required, but it should be passed if available. |
options.ausReportIdentifier string | Conditionally Required. The identifier for an existing request on the AUS provider's platform. This attribute is required when requesting a resubmission of an existing underwriting request. If newOrder is passed as the value for the requestType attribute, this field will be ignored. |
options.creditProviderCode string | AUS provider's identifier for the credit service provider that processed the credit service request(s) for the subject loan. This attribute must be provided so that the AUS provider can access the borrower credit report and process the underwriting service request. Select the provider code for your Credit service provider by referring to AUS Credit Provider Codes. |
options.orderCreditDetails object | Object array that encapsulates details of the various credit service requests that were placed during the life of the loan (up to the point where underwriting is being requested). Each single object in the array refers to a single credit service request. |
options.orderCreditDetails.applicationID string | Reference to the borrower pair within the loan in whose context this credit service request was placed. If using V1 Get Loan, then the id in the Application/Borrower Object can be used for the borrower and the altid can be used in the Application/CoBorrower Object for the co-borrower. If using V3 Get Loan, then use the legacyId for the Borrower/CoBorrower Objects. |
options.orderCreditDetails.creditRequestActionType string | Possible values are: - Submit - Reissue |
options.orderCreditDetails.creditReportIdentifier string | This is the identifier for the credit service request on the credit providers system. It is returned by the provider in the response of the credit service request. |
preferences | Object that encapsulates user preferences for service specific functionality. |
preferences.importConditions boolean | Optional. Whether or not user to import the underwriting conditions specified by Fannie Mae in its underwriting report returned in their response. |
preferences.conditionType string | Optional. Specific type of underwriting conditions to import. Possible values are: - preliminary - underwritingIf a type is not specified, the condition type defaults to preliminary. |
resources.entityId string | Optional. The entity identifier for the resource. If the resource you are passing is an eFolder attachment, the attachmentId is required. If the resource you are passing is an eFolder document, the documentId is required. You can retrieve these from using the eFolder Attachment and eFolder Document APIs. |
resources.entityType string | Optional. The entity type/format of the resource. Possible values include: - For an Encompass eFolder attachment: urn:elli:encompass:attachment - For and Encompass eFolder document: urn:elli:encompass:document |
Partner Information
Use the Product Name listed under the Transaction_Resource or Transaction columns to create transactions that follow the respective schema.
Partner | Partner ID | Product Name - Resource_Transaction | Product Name - Resource |
---|---|---|---|
Fannie Mae | 10000034 | AUS-DU | AUS |
Fannie Mae | 10000034 | AUS-EC-PU | AUS-EC |
Freddie Mac | 10000035 | AUS-LPA | AUS |
Freddie Mac | 10000035 | AUS-LQA-PU | AUS-LQA |
Credit Provider Codes
Fannie Mae Credit Provider Codes
Credit Information Provider | Partner ID | Product Name | Fannie Mae Credit Provider Code (DU) |
---|---|---|---|
A+ Advantage Plus Credit Reporting, Inc. | 312724 | Credit-AdvantagePlusCreditReporting | 138 |
Accurate Financial Services | 223756 | Credit-AccurateFinancialServices | 292 |
ACRAnet | 305770 | Credit-ACRAnet | 31 |
ACRAnet (Financial Dimensions Branch) | 305770 | Credit-AcranetFDB | 31 |
Advantage Credit Bureau (Powered by MeridianLink) | 307374 | Credit-AdvantageCreditBureau | 310 |
Advantage Credit Bureau (Powered by SharperLending) | 307374 | Credit-ACBCreditSolutions | 282 |
Advantage Credit, Inc. | 307374 | Credit-AdvantageCredit | 226 |
Advantage Credit, Inc. by Credit Interlink | 307374 | Credit-AdvantageInterlink | 308 |
American Reporting Company, LLC | 306453 | Credit-AmericanReportingCompany | 139 |
Birchwood Credit Services, Inc. | 305813 | Credit-BirchwoodCreditServices | 76 |
Certified Credit Reporting, Inc. | 306885 | Credit-CertifiedCreditReporting | 283 |
CIC Credit | 308373 | Credit-CICMortgageCredit | 128 |
CISCO Credit (Powered by MeridianLink) | 304324 | Credit-CISCOCredit | 86 |
Clear Choice Credit | 312720 | Credit-ClearChoiceCredit | 146 |
CoreLogic Credco | 274365 | Credit-CoreLogic | 1 |
Covius Mortgage Solutions | 11025251 | Credit-Covius | 130 |
Credit Information Systems | 11124868 | Credit-CreditInformationSystems | 298 |
Credit Information Systems MCL | 11124868 | Credit-CIS | 311 |
Credit Link by Certified Credit Reporting | 311110 | Credit-CreditLink | 24 |
Credit Plus by Xactus | 303815 | Credit-CreditPlus | 17 |
Credit Quick Services | 11061248 | Credit-CreditQuick | 116 |
Credit Technologies, Inc. | 304604 | Credit-CreditTechnologies | 287 |
Credit Technology, a dba of SettlementOne Data, LLC | 307830 | Credit-CTI | 161 |
Equifax Mortgage Solutions | 307827 | Credit-Equifax | 4 |
Factual Data | 304369 | Credit-FactualDataCBC | 3 |
Informative Research | 306025 | Credit-InformativeResearch | 2 |
KCB Credit LLC | 11230853 | Credit-KCB | 305 |
Lenders One Credit | 11222529 | Credit-LendersOne | 309 |
Merchants Credit Bureau- Augusta | 10000058 | Credit-MCBAugusta | 78 |
MeridianLink, Inc. | 11120203 | Credit-MeridianLink | 281 |
NCO Credit Services (Power by Synergistic) | 304647 | Credit-NCOCS | 6 |
Network Credit Services | 305310 | Credit-NetworkCreditServices | 37 |
One Source Credit Reporting, LLC | 305312 | Credit-OneSourceCreditReporting | 40 |
ONLINE Mortgage Reports | 306957 | Credit-OnlineMortgageReports | 204 |
Partners Credit & Verification Solutions | 311509 | Credit-OldRepublic | 251 |
Premium Credit Bureau | 311416 | Credit-PremiumCreditBureau | 299 |
Premium Credit Bureau Data | 11219287 | Credit-PremiumCreditBureauData | 295 |
San Antonio Retail Merchants Association (SARMA) | 307479 | Credit-SARMASL | 43 |
San Antonio Retail Merchants Association (SARMA) (Powered by MeridianLink) | 307479 | Credit-SARMA | 302 |
Service 1st Info Systems | 11017572 | Credit-Service1stInfoSystems | 229 |
SettlementOne | 305308 | CreditNMR-SettlementOne | 290 |
SettlementOne Data, LLC | 305308 | Credit-SettlementOneDataLLC | 307 |
SharperLending | 11132718 | Credit-SharperLending | 282 |
Unisource Credit by SharperLending | 174688 | Credit-MFICreditSolutions | 277 |
Unisource Credit, LLC | 174688 | Credit-Unisource | 314 |
United One Resources, Inc. | 306102 | Credit-UnitedOne | 63 |
Xactus | 306113 | Credit-CBCTAvantus | 51 |
Xactus via SL | 307446 | Credit-DataFacts | 301 |
Source: www.fanniemae.com/content/datagrid/credit_provider/cpsortbyname.html
Freddie Mac Credit Provider Codes
Credit Information Parent Provider | Freddie Mac Affiliate Provider Code (LPA) |
---|---|
CoreLogic Credco | 8 |
Equifax Mortgage Solutions | 5 |
Factual Data | 1 |
MeridianLink, Inc. | 2 |
SharperLending | 3 |
Credit Information Provider | Partner ID | Product Name | Freddie Mac Affiliate Provider Code (LPA) | Parent Credit Provider |
---|---|---|---|---|
A+ Advantage Plus Credit Reporting, Inc. | 312724 | Credit-AdvantagePlusCreditReporting | 138 | MeridianLink |
ACRAnet | 305770 | Credit-ACRAnet | 031 | SharperLending |
ACRAnet - Credit Data System | 306878 | Credit-AcranetCDS | 326 | SharperLending |
Advantage Credit Bureau (Powered by MeridianLink) | 307374 | Credit-AdvantageCreditBureau | 301 | MeridianLink |
Advantage Credit Bureau (Powered by SharperLending) | 307374 | Credit-ACBCreditSolutions | 301 | SharperLending |
Advantage Credit, Inc. | 307374 | Credit-AdvantageCredit | 226 | MeridianLink |
Advantage Credit, Inc. by Credit Interlink | 307374 | Credit-AdvantageInterlink | 325 | Equifax Mortgage Solutions |
American Reporting Company, LLC | 306453 | Credit-AmericanReportingCompany | 016 | MeridianLink |
Birchwood Credit Services, Inc. | 305813 | Credit-BirchwoodCreditServices | 076 | MeridianLink |
Certified Credit Reporting, Inc. | 306885 | Credit-CertifiedCreditReporting | 071 | MeridianLink |
CIC Credit | 308373 | Credit-CICMortgageCredit | 128 | MeridianLink |
CISCO Credit (Powered by MeridianLink) | 304324 | Credit-CISCOCredit | 086 | MeridianLink |
Covius Mortgage Solutions | 11025251 | Credit-Covius | 130 | Equifax Mortgage Solutions |
Credit Information Systems | 11124868 | Credit-CreditInformationSystems | 298 | SharperLending |
Credit Information Systems MCL | 11124868 | Credit-CIS | 298 | MeridianLink |
Credit Link by Certified Credit Reporting | 311110 | Credit-CreditLink | 024 | MeridianLink |
Credit Plus by Xactus | 303815 | Credit-CreditPlus | 017 | MeridianLink |
Credit Technologies, Inc. | 304604 | Credit-CreditTechnologies | 181 | MeridianLink |
Credit Technology, a dba of SettlementOne Data, LLC | 307830 | Credit-CTI | 161 | MeridianLink |
Data Facts by Xactus (ML) | 307446 | Credit-DataFactsInc | 306 | MeridianLink |
Informative Research | 306025 | Credit-InformativeResearch | 308 | Equifax Mortgage Solutions |
KCB Credit LLC | 11230853 | Credit-KCB | 309 | MeridianLink |
Lenders One Credit | 11222529 | Credit-LendersOne | 328 | MeridianLink |
MCB - Savannah | 307478 | Credit-MCBSavannah | 321 | MeridianLink |
Merchants Credit Bureau- Augusta | 10000058 | Credit-MCBAugusta | 078 | MeridianLink |
MeridianLink, Inc. | 11120203 | Credit-MeridianLink | 322 | MeridianLink |
Partners Credit & Verification Solutions | 311509 | Credit-OldRepublic | 251 | Equifax Mortgage Solutions |
Premium Credit Bureau | 311416 | Credit-PremiumCreditBureau | 294 | MeridianLink |
Premium Credit Bureau Data | 11219287 | Credit-PremiumCreditBureauData | 323 | MeridianLink |
San Antonio Retail Merchants Association (SARMA) (Powered by MeridianLink) | 307479 | Credit-SARMA | 302 | MeridianLink |
Service 1st Info Systems | 11017572 | Credit-Service1stInfoSystems | 229 | MeridianLink |
SettlementOne | 305308 | CreditNMR-SettlementOne | 315 | SharperLending |
SettlementOne Data, LLC | 305308 | Credit-SettlementOneDataLLC | 290 | MeridianLink |
Unisource Credit by SharperLending | 174688 | Credit-MFICreditSolutions | 277 | SharperLending |
Unisource Credit, LLC | 174688 | Credit-Unisource | 277 | MeridianLink |
United One Resources, Inc. | 306102 | Credit-UnitedOne | 063 | MeridianLink |
Xactus | 306113 | Credit-CBCTAvantus | 091 | SharperLending |
Xactus via SL | 307446 | Credit-DataFacts | 306 | SharperLending |
Source: sf.freddiemac.com/tools-learning/loan-advisor/crc
Fannie Mae Desktop Underwriter
Product Attributes
The following section lists the request attributes used by Fannie Mae's underwriting service and includes requests demonstrating their use.
Attribute | Description |
---|---|
name string | Name of the service to order. See the Partner Information section to get the correct name value for the partner; either the Transaction_Resource object or Transaction object name. |
credentials.institutionID string | Optional. The ID that Fannie Mae assigns to identify and authenticate your institution on their underwriting platform. To retrieve your DU institution ID, please contact Fannie Mae. |
options.productDescription string | Optional. The underwriting product request. Currently, the only supported value is: Standard LCOR If Standard LCOR is passed as the value, the loan will be considered a standard limited cash out refinance. Otherwise, the loan is analyzed for DU ReFi Plus qualification - this qualification allows for high loan-to-value ratios (outside of standard underwriting guidelines) when the loan can be verified as owned by Fannie Mae. Additional information can be found here: Fannie Mae Single-Family High LTV Refinance Option |
Sample API Flow
Step 1: Place a DU underwriting service request
{
"product":{
"entityRef":{
"entityId":"xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
"entityType":"urn:elli:encompass:loan"
},
"name":"AUS",
"credentials":{
"userName":"xxxxxxxx",
"password":"xxxxxxx",
"institutionID":"xxxxxxx",
"creditProviderUserName":"",
"creditProviderPassword":""
},
"options":{
"requestType":"newOrder",
"productDescription":"Standard LCOR",
"ausReportIdentifier":"",
"creditProviderCode":"3",
"orderCreditDetails":[
{
"applicationID":"_borrower1",
"creditReportIdentifier":""
}
]
},
"preferences":{
"importConditions":true,
"conditionType":""
}
}
}
{
"product":{
"entityRef":{
"entityId":"xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
"entityType":"urn:elli:encompass:loan"
},
"name":"AUS-DU",
"credentials":{
"userName":"xxxxxxxx",
"password":"xxxxxxx",
"institutionID":"xxxxxxx",
"creditProviderUserName":"",
"creditProviderPassword":""
},
"options":{
"requestType":"newOrder",
"productDescription":"Standard LCOR",
"ausReportIdentifier":"",
"creditProviderCode":"3",
"orderCreditDetails":[
{
"applicationID":"_borrower1",
"creditReportIdentifier":""
}
]
},
"preferences":{
"importConditions":"",
"conditionType":""
}
}
}
Step 2: Retrieve a DU underwriting service response
{
"status":"success",
"documents":{
"id":"",
"name":"",
"attachments":[
{
"mimeType":"emmedia/pdf",
"name":"1988637915.FINDINGS",
"content":{
"createdDateTime":"2018-01-18T11:02:38.937995-08:00",
"attachmentFile":"Attachment-a5417c54-36e0-4ad9-a081-7f2088d50b52.HTM"
}
},
{
"mimeType":"emmedia/xml",
"name":"1988637915.FINDINGS",
"content":{
"createdDateTime":"2018-01-18T11:02:38.937995-08:00",
"attachmentFile":"Attachment-a5417c54-36e0-4ad9-a081-7f2088d59bd2.XML"
}
},
{
"mimeType":"emmedia/pdf",
"name":"CREDITREPORT_FLATFILE_",
"content":{
"createdDateTime":"2018-01-18T11:02:33.0941858-08:00",
"attachmentFile":"1988637915__borrower1.CREDITFLATFILE"
}
},
{
"mimeType":"emmedia/html",
"name":"1988637915__borrower1.CREDITPRINTFILE",
"content":{
"createdDateTime":"2018-01-18T11:02:38.937995-08:00",
"attachmentFile":"Attachment-620687b3-4ce9-42df-887a-219c94c00c31.TXT"
}
}
]
},
"product":{
"partnerID":"10000034",
"productName":"AUS",
"displayName":"Fannie Mae DU",
"category":"AUS",
"entityRef":{
"entityId":"xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
"entityType":"urn:elli:encompass:loan"
}
}
}
{
"status": "success",
"resources": [
{
"id": "FANNIE_MAE-FINDINGS.XML",
"name": "UNDERWRITING_FINDINGS_XML",
"mimeType": "emmedia/pdf"
},
{
"id": "Attachment-5aa17ffd-c2e0-48e7-8d0e-4c29ec478b5e.HTM",
"name": "1990533354.FINDINGS",
"mimeType": "emmedia/pdf"
},
{
"id": "1990533354__borrower1.CREDITFLATFILE",
"name": "CREDITREPORT_FLATFILE_",
"mimeType": "emmedia/pdf"
},
{
"id": "Attachment-dfa5488a-e990-41c4-9b1d-20baf23c6ad2.TXT",
"name": "1990533354__borrower1.CREDITPRINTFILE",
"mimeType": "emmedia/html"
}
],
"product": {
"partnerID": "10000034",
"productName": "AUS-DU",
"displayName": "Fannie Mae DU",
"category": "AUS",
"entityRef": {
"entityId": "d45b8195-a27e-442b-b0d9-6e9b46af31fa",
"entityType": "urn:elli:encompass:loan"
}
}
}
{
"status": "success",
"resources": [
{
"id": "FANNIE_MAE-FINDINGS.XML",
"name": "UNDERWRITING_FINDINGS_XML",
"mimeType": "emmedia/pdf",
"url": "https://encompass-int-api.elliemae.com/v2/media/instance/BE11156274/loans/d45b8195-a27e-442b-b0d9-6e9b46af31fa/files/FANNIE_MAE-FINDINGS.XML?tokencreator=encompass&tokenexpires=1524596879&token=%2fvqjjszQYvJgvEf4gALaAbMRFoKJpLz55RyHIFtwadiiU9IkW6le86ZsjZjj2T8lJFMa%2fWzcpocSzhCspS463w%3d%3d"
},
{
"id": "Attachment-5aa17ffd-c2e0-48e7-8d0e-4c29ec478b5e.HTM",
"name": "1990533354.FINDINGS",
"mimeType": "emmedia/pdf",
"url": "https://encompass-int-api.elliemae.com/v2/media/instance/BE11156274/loans/d45b8195-a27e-442b-b0d9-6e9b46af31fa/files/Attachment-5aa17ffd-c2e0-48e7-8d0e-4c29ec478b5e.HTM?tokencreator=encompass&tokenexpires=1524596879&token=kCSZqvkfNQdbLCeHNYEUZncY1OEzAZz3k5eXK06Z4YA2FSpgFjD7InX0Ap0lq7e8o2K3Hm3D81akWcrXm6lmug%3d%3d"
},
{
"id": "1990533354__borrower1.CREDITFLATFILE",
"name": "CREDITREPORT_FLATFILE_",
"mimeType": "emmedia/pdf",
"url": "https://encompass-int-api.elliemae.com/v2/media/instance/BE11156274/loans/d45b8195-a27e-442b-b0d9-6e9b46af31fa/files/1990533354__borrower1.CREDITFLATFILE?tokencreator=encompass&tokenexpires=1524596879&token=vayYEL6VlapspHCclT6RFxNzZJ4SDQId7mr6J2OuiT8RLEmbdjyWbWfT4MlcbcgQSf70Jv%2bxeFBQp6BJOD5sOg%3d%3d"
},
{
"id": "Attachment-dfa5488a-e990-41c4-9b1d-20baf23c6ad2.TXT",
"name": "1990533354__borrower1.CREDITPRINTFILE",
"mimeType": "emmedia/html",
"url": "https://encompass-int-api.elliemae.com/v2/media/instance/BE11156274/loans/d45b8195-a27e-442b-b0d9-6e9b46af31fa/files/Attachment-dfa5488a-e990-41c4-9b1d-20baf23c6ad2.TXT?tokencreator=encompass&tokenexpires=1524596879&token=1VVuutsaWRj3e%2bUsVjTUhpQ20vTxM%2b2gpK6TCraFRw%2fKPcUszliA7jCumfgWQ4oCceRX%2f26919XWyxKIH%2fKQqw%3d%3d"
}
],
"product": {
"partnerID": "10000034",
"productName": "AUS-DU",
"displayName": "Fannie Mae DU",
"category": "AUS",
"entityRef": {
"entityId": "d45b8195-a27e-442b-b0d9-6e9b46af31fa",
"entityType": "urn:elli:encompass:loan"
}
}
}
Fannie Mae Desktop Originator (DO)
Product Attributes
The following section lists the request attributes used by Fannie Mae's Desktop Originator.
Attribute | Description |
---|---|
options.submissionType string | Possible values are: - Preliminary Findings - Interim - FinalIf the submissionType is Interim or Final, the lenderSponsorId is required. It will be sent to the lender and ownership changes with final order. |
options.orderCreditDetails. creditRequestActionType string | The supported values include: - Submit - Reissue |
Sample API Flow
Step 1: Create a transaction to retrieve existing DO report data file attached to Encompass loan.
{
"product": {
"name": "AUS-DO-PU",
"entityRef": {
"entityId": "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
"entityType": "urn:elli:encompass:loan"
},
"credentials": {
"doUserId": "xxxxxxxx",
"doPassword": "xxxxxxx",
"institutionID": "xxxxxxx",
"creditProviderUserName": "",
"creditProviderPassword": ""
},
"options": {
"requestType": "newOrder",
"ausReportIdentifier": "",
"creditProviderCode": "3",
"submissionType": "xxxxxxxxx",
"lenderSponsorName": "xxxxxxxxx",
"lenderSponsorId": "xxxxxxxxx",
"institutionName": "xxxxxxxxx",
"orderMergeCredit": "Y",
"orderCreditDetails": [
{
"applicationID": "xxxxxxxx",
"creditRequestActionType": "Reissue",
"creditReportIdentifier": "xxxxxxx"
},
{
"applicationID": "xxxxxxxx",
"creditRequestActionType": "Reissue",
"creditReportIdentifier": "xxxxxxx"
}
]
},
"preferences": {
"importConditions": false,
"conditionType": "xxxxxx"
}
}
}
Step 2: Retrieve a DO underwriting service response.
To get the documents for a transaction:
GET /services/v1/partners/10000034/transactions/{transactionId}?generateFileUrls=True
Parameter | Description |
---|---|
generateFileUrls string | Optional. Value should be True. This parameter should be passed only if you need download URL’s for attachments. |
{
"status": "success",
"resources": [
{
"id": "FANNIE_MAE-FINDINGS.XML",
"name": "UNDERWRITING_FINDINGS_XML",
"mimeType": "application/xml",
"elli-signature": "",
"url": "https://media-pod0-int.elliemae.com/v2/media/instance/DEBE11170913/loans/67ba8596-2943-479a-a0fa-6a80a89608cc/files/FANNIE_MAE-FINDINGS.XML?tokencreator=Encompass&tokenexpires=1581317260&token=1sybW%2fK9XEZePv0Iget%2bdQsg8BdWeZdXn71kOnAtp%2bVo8V%2b%2bF0wTO321z6R9zZICF8ZGwI10aW%2b7dMO08XCYvA%3d%3d"
},
{
"id": "1232132133123213213.FINDINGS.HTML",
"name": "UNDERWRITING_FINDINGS_HTML",
"mimeType": "text/html",
"elli-signature": "",
"url": "https://media-pod0-int.elliemae.com/v2/media/instance/DEBE11170913/loans/67ba8596-2943-479a-a0fa-6a80a89608cc/files/1232132133123213213.FINDINGS.HTML?tokencreator=Encompass&tokenexpires=1581317260&token=Ny2fpZc%2b5xQS5TUJbGeMZaAwkd9P6U7yUYDrMLpsxNr1RpAiYB02s%2fA%2byp40RR%2fXjmRCoRVqLUyHt8pSs6OImg%3d%3d"
},
{
"id": "1232132133123213213__borrower1.CREDITFLATFILE",
"name": "CREDITREPORT_FLATFILE_",
"mimeType": "application/octet-stream",
"elli-signature": "",
"url": "https://media-pod0-int.elliemae.com/v2/media/instance/DEBE11170913/loans/67ba8596-2943-479a-a0fa-6a80a89608cc/files/1232132133123213213__borrower1.CREDITFLATFILE?tokencreator=Encompass&tokenexpires=1581317260&token=ayIP9WRYfeUKXrz8wNpuC25V94Ru8EKtpJGBZnHDe639DaM2CpmbTBS465fqXAnTKfnGzZqIWLzroRgFbFpKmg%3d%3d"
}
],
"product": {
"partnerID": "10000034",
"productName": "AUS-DO-PU",
"displayName": "Fannie Mae DO",
"category": "AUS",
"entityRef": {
"entityId": "67ba8596-2943-479a-a0fa-6a80a89608cc",
"entityType": "urn:elli:encompass:loan"
},
"creationDate": "2020-02-09T22:31:22Z",
"lastUpdatedDate": "2020-02-09T22:31:40Z",
"orderedBy": "urn:elli:encompass:DEBE11170913:user:admin"
}
}
Fannie Mae EarlyCheck
Sample API Flow for 1003 and ULDD Submissions
NOTE
URLA 2020 loans support ULDD and ULAD. URLA 2009 loans support 1003 and ULDD
Step 1: Submit a new 1003 or ULDD order to EarlyCheck and get reports from Fannie Mae
{
"product": {
"entityRef": {
"entityId": "{{LoanUId}}",
"entityType": "urn:elli:encompass:loan"
},
"name": "AUS-EC-PU",
"credentials": {
"userName": "{{username}}",
"password": "{{password}}",
"institutionID": "{{institutionID}}"
},
"options": {
"requestType": "NewOrder",
"fileFormat": "1003",
"importConditions":true,
"conditionType": "preliminary"
}
}
}
{
"product": {
"entityRef": {
"entityId": "{{LoanUId}}",
"entityType": "urn:elli:encompass:loan"
},
"name": "AUS-EC-PU",
"credentials": {
"userName": "{{username}}",
"password": "{{password}}",
"institutionID": "{{institutionID}}"
},
"options": {
"requestType": "NewOrder",
"ausReportIdentifier": "",
"ausReportLoanIdentifier": "",
"fileFormat": "ULDD",
"importConditions": "true",
"conditionType": "preliminary"
}
}
}
NOTE
importConditions is set to “true” only if you want to import all conditions/messages. “conditionType” is applicable when "importConditions": "true". Possible values are “Preliminary” | “Underwriting”.
Step 2: Retrieve existing EarlyCheck report attached to the Encompass loan
{
"status": "success",
"resources": [
{
"id": "FNMA-EarlyCheck.htm",
"name": "EARLYCHECKRESULTS_HTML",
"mimeType": "text/html",
"elli-signature": "",
"url": "https://media-pod0-int.elliemae.com/v2/media/instance/DEBE11170913/loans/67ba8596-2943-479a-a0fa-6a80a89608cc/files/FNMA-EarlyCheck.htm?tokencreator=Encompass&tokenexpires=1581313904&token=zhtgEa9U2DuIRpNo8dARcAWgUfuDENMGZKbQcat0mn5Z3jlfAe0CzwKnSGMuLqeWbunLz58Elih4hc4L5%2bLEXQ%3d%3d"
},
{
"id": "FNMA-EarlyCheck.xml",
"name": "EARLYCHECKRESULTS_XML",
"mimeType": "application/xml",
"elli-signature": "",
"url": "https://media-pod0-int.elliemae.com/v2/media/instance/DEBE11170913/loans/67ba8596-2943-479a-a0fa-6a80a89608cc/files/FNMA-EarlyCheck.xml?tokencreator=Encompass&tokenexpires=1581313904&token=rHayqbiunOPrmUyJujeNYBnMfyvj%2bggo8Yy9zitnZw3dnXFyCVgTYZkn2jVQ2usceL0WTsPFAAzuq7kgdG54Zg%3d%3d"
}
],
"product": {
"partnerID": "10000034",
"productName": "AUS-EC-PU",
"displayName": "Fannie Mae EarlyCheck",
"category": "AUS",
"entityRef": {
"entityId": "67ba8596-2943-479a-a0fa-6a80a89608cc",
"entityType": "urn:elli:encompass:loan"
},
"creationDate": "2020-02-09T21:35:51Z",
"lastUpdatedDate": "2020-02-09T21:36:16Z",
"orderedBy": "urn:elli:encompass:DEBE11170913:user:admin"
}
}
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"name": "CreateResponseAPI",
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"folders_order": [],
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Note
importConditions is set to “true” only if you want to import all conditions/messages. “conditionType” is applicable when "importConditions": "true". Possible values are “Preliminary” | “Underwriting”.
Freddie Mac Loan Product Advisor
Product Attributes
This section lists the attributes used by Freddie Mac's underwriting service and includes sample requests demonstrating their use.
ATTRIBUTE | DESCRIPTION |
---|---|
credentials.sellerServicerNumber string | Organization identifier that Freddie Mac assigns to identify and authenticate your institution on their underwriting platform. To retrieve your LP Seller Service Number, contact Freddie Mac. |
credentials.tpoAccountIdentifier string | Conditionally Required. Identifies the third-party originator who is requesting the underwriting service via Encompass TPO connect. |
options.ausReportLoanIdentifier string | Conditionally Required. The identifier (LPA Loan ID) for an existing request on the AUS provider's platform. This attribute should be passed if it is available. It is required when requesting a resubmission of an existing underwriting request. If newOrder is passed as the value for the requestType attribute, this field will be ignored. |
options.creditProviderAffiliateCode string | Conditionally Required. This is an identifier for an affiliate of a credit provider on Freddie Mac's platform. This is a 3 digit code that must be passed along with the creditProviderCode attribute (identifying the Parent provider from the list above). Refer to Credit Provider Codes to select the affiliate provider code for your credit service provider. |
options.requestType string | The type of underwriting request to place with the AUS provider. This can be a resubmission, or a reissue of an existing request. For the latter, you need to pass identifier(s) for the existing request on the AUS providers platform. Possible values are: _ newOrder - place a new underwriting service request for the referenced loan. _ resubmit - resubmit an underwriting service request for the referenced loan. Note: For a resubmit request, a reference to an existing underwriting service request must be passed via the: options.ausReportIdentifier and options.ausReportLoanIdentifier attributes. options.ausReportLoanIdentifier is the LPA Loan ID. It is not required, but it should be passed if available. |
Sample API Flow
Step 1: Place an LPA underwriting service request
{
"product":{
"entityRef":{
"entityId":"xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
"entityType":"urn:elli:encompass:loan"
},
"name":"AUS",
"credentials":{
"userName":"xxxxxxxx",
"password":"xxxxxxxx",
"tpoAccountIdentifier":"",
"sellerServicerNumber":"xxxxxxxx",
"creditProviderUserName":"",
"creditProviderPassword":""
},
"options":{
"requestType":"newOrder",
"ausReportIdentifier":"",
"ausReportLoanIdentifier":"",
"creditProviderCode":"6",
"creditAffiliateCode":"",
"orderCreditDetails":[
{
"applicationID":"_borrower1",
"creditReportIdentifier":""
}
]
},
"preferences":{
"conditionType":"Underwriting",
"importConditions":true
}
}
}
Step 2: Retrieve an LPA underwriting service response
{
"status":"success",
"documents":{
"id":"",
"name":"",
"attachments":[
{
"mimeType":"emmedia/html",
"name":"FullFeedback",
"content":{
"createdDateTime":"2018-03-06T23:05:23.0593687-08:00",
"attachmentFile":"Attachment-c1e1be06-dd56-4d35-8d2e-ebe8240be565.html"
}
},
{
"mimeType":"emmedia/html",
"name":"DocCheckList",
"content":{
"createdDateTime":"2018-03-06T23:05:23.0593687-08:00",
"attachmentFile":"Attachment-6bce458a-d2e6-4b86-9753-8136c0575259.html"
}
},
{
"mimeType":"emmedia/html",
"name":"HomeValueExplorer",
"content":{
"createdDateTime":"2018-03-06T23:05:23.0593687-08:00",
"attachmentFile":"Attachment-87d6c7aa-544c-42d1-8941-c2e51fb2aa53.html"
}
},
{
"mimeType":"emmedia/html",
"name":"MergedCredit",
"content":{
"createdDateTime":"2018-03-06T23:05:23.0593687-08:00",
"attachmentFile":"Attachment-b56365c9-64e4-45b5-b369-53f7fb49cf7d.html"
}
}
]
},
"product":{
"partnerID":"10000035",
"productName":"AUS",
"displayName":"Freddie Mac's Loan Product Advisor System to System",
"category":"AUS",
"entityRef":{
"entityId":"xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
"entityType":"urn:elli:encompass:loan"
}
}
}
Freddie Mac Loan Quality Advisor
Sample API Flow
Step 1: Place an LQA underwriting service request
{
"product": {
"entityRef": {
"entityId": "{{LoanUId}}",
"entityType": "urn:elli:encompass:loan"
},
"name": "AUS-LQA-PU",
"credentials": {
"userName": "{{username}}",
"password": "{{password}}",
"sellerServicerNumber": "{{sellerServicerNumber}}"
},
"options": {
"requestType": "NewOrder"
}
}
}
Step 2: Retrieve existing LQA report data file attached to Encompass loan
{
"product": {
"entityRef": {
"entityId": "{{LoanUID}}",
"entityType": "urn:elli:encompass:loan"
},
"name": "AUS-LQA-PU",
"options": {
"requestType": "RetrieveReportFiles",
"applicationID": "_borrower1",
"loanAttachments": "{{BooleanValue}}",
"efolderAttachments": "{{BooleanValue}}",
"reportIdentifier": "{{ReportIdentifier}}"
}
}
}
Step 3: Get result of an LQA transaction
{
"product": {
"entityRef": {
"entityId": "{{LoanUID}}",
"entityType": "urn:elli:encompass:loan"
},
"name": "AUS-LQA-PU",
"options": {
"requestType": "RetrieveReportFiles",
"applicationID": "_borrower1",
"loanAttachments": "{{BooleanValue}}",
"efolderAttachments": "{{BooleanValue}}",
"reportIdentifier": "{{ReportIdentifier}}"
}
}
}
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"name": "CreateResponseAPI",
"description": "",
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"folders_order": [],
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},
{
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"enabled": true,
"key": "Content-Type",
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"value": "application/json"
}
],
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},
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}
],
"method": "POST",
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{
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"headers": "Authorization: Bearer eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzUxMiJ9.eyJlbGxpX3VpZCI6IkVuY29tcGFzc1xcQkUxMTIwMDkyMlxcYWRtaW4iLCJlbGxpX2lpZCI6IkJFMTEyMDA5MjIiLCJzdWIiOiIiLCJlbGxpX2NpZCI6IjEwMDAwMDM1IiwiZWxsaV9pZHQiOiJFbnRlcnByaXNlIiwicm9sZXMiOltdLCJleHAiOjE1NzMyMTUwODMsImlzcyI6InVybjplbGxpOnNlcnZpY2U6aWRzIiwiYXVkIjoidXJuOmVsbGk6c2VydmljZTplYnMsdXJuOmVsbGk6c2VydmljZTpldnAifQ.AFlWd2HjQ-dtl2-j8MhTiAKjvsUTs4y8YW24Ajm7NpIB7FiHtHA5YplmGKCwKrKwgH5JGLJ-sxNAJKUCgBfHZA\nContent-Type: application/json\n",
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}
],
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"auth": null,
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Note
importConditions is set to “true” only if you want to import all conditions/messages. “conditionType” is applicable when "importConditions": "true". Possible values are “Preliminary” | “Underwriting”.