AUS Partners and Samples

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	Fannie Mae (DU) Provider Code	Parent Credit Provider
Accurate Financial Services	292	SharperLending
ACRAnet, Inc.	031	SharperLending
Advantage Credit, Inc. of Colorado	226	MeridianLink, Inc.
Advantage Credit Bureau	179	MeridianLink, Inc.
Advantage Plus Credit Reporting, Inc.	138	MeridianLink, Inc.
Alliance 2020	275	MeridianLink, Inc.
American Reporting Company, LLC	139	MeridianLink, Inc.
Avantus	051	NCRA/CSD
Birchwood Credit Services, Inc.	076	MeridianLink, Inc.
CBA	053	CredStar
CBC Innovis, Inc.	003	CBC Innovis, Inc.
Certified Credit Reporting, Inc.	283	MeridianLink, Inc.
CIC Mortgage Credit, Inc.	128	MeridianLink, Inc.
Cisco Credit	086	MeridianLink, Inc.
CIS Info Services	022	MeridianLink, Inc.
Clear Choice Credit	146	MeridianLink, Inc.
CoreLogic Credco	001	CoreLogic Credco
Credit Data Solutions	229	MeridianLink, Inc.
Credit Information Systems	298	SharperLending
Credit Link, LLC	024	MeridianLink, Inc.
Credit Plus, Inc. - MCL	017	MeridianLink, Inc.
Credit Quick Services	116	CredStar
Credit Technologies, Inc.	287	MeridianLink, Inc.
Credit Technology, Inc.	161	MeridianLink, Inc.
CredStar	049	CredStar
Data Facts, Inc	301	SharperLending
Equifax Mortgage Solutions	004	Equifax Mortgage Solutions
Factual Data / MACS	303	CBC Innovis, Inc.
Funding Suite	130	NCRA/CSD
Information Searching Company	058	MeridianLink, Inc.
Informative Research	002	Informative Research
Kroll Factual Data	052	Kroll Factual Data
MCB	078	MeridianLink, Inc.
MeridianLink, Inc.	281	MeridianLink, Inc.
MFI Credit Solutions	277	SharperLending
Midwest Mortgage Credit Services, Inc.	029	MeridianLink, Inc.
NCO Credit	006	SharperLending
Online Information Services	204	SharperLending
Partners Credit and Verification Solutions	251	CredStar
Premium Credit Bureau	299	MeridianLink, Inc.
Premium Credit Bureau Data	295	MeridianLink, Inc.
SARMA	043	SharperLending
SARMA	302	MeridianLink, Inc.
Sarma / Network Credit Services	037	SharperLending
Settlement One	290	SharperLending
SharperLending	282	SharperLending
SharperLending, LLC	005	SharperLending
Strategic Information Resources, Inc.	075	SharperLending
The Credit Network / KFD	020	Kroll Factual Data
Trans Union Puerto Rico	270	NCRA/CSD
United One	063	MeridianLink, Inc.
Universal Credit Services, Inc.	092	MeridianLink, Inc.

Source: www.fanniemae.com/content/datagrid/credit_provider/cpsortbyname.html

Freddie Mac Credit Provider Codes

Credit Information Parent Provider	Freddie Mac Credit Provider Code (LPA)
CBCInnovis	1
CoreLogic CREDCO/Credstar	8
Equifax Mortgage Solutions	5
Factual Data	6
MeridianLink, Inc.	2
SharperLending	3

Credit Information Affiliate Provider	Freddie Mac Affiliate Provider Code (LPA)	Parent Credit Provider
ACRAnet	031	Equifax Mortgage Solutions
Advantage Credit Bureau	301	Equifax Mortgage Solutions
Advantage Credit Inc.	226	Equifax Mortgage Solutions
Advantage Plus Credit Reporting, Inc.	138	Equifax Mortgage Solutions
Alliance 2020, Inc.	275	Equifax Mortgage Solutions
American Reporting Company LLC	016	Equifax Mortgage Solutions
Avantus LLC	091	Equifax Mortgage Solutions
Birchwood Credit Services, Inc.	076	Equifax Mortgage Solutions
Certified Credit Reporting via MeridianLink	071	Equifax Mortgage Solutions
Certified Credit Reporting via Sharper Lending	305	Equifax Mortgage Solutions
CIC Credit	128	Equifax Mortgage Solutions
Cisco	086	Equifax Mortgage Solutions
CIS, Inc.	022	Equifax Mortgage Solutions
Clear Choice Credit Corp.	146	Equifax Mortgage Solutions
Credit Information Systems	298	Equifax Mortgage Solutions
Credit Link LLC	024	Equifax Mortgage Solutions
Credit Plus, Inc.	017	Equifax Mortgage Solutions
Credit Technologies, Inc.	181	Equifax Mortgage Solutions
CTI - Credit Technology, Inc.	161	Equifax Mortgage Solutions
Data Facts Inc.	306	Equifax Mortgage Solutions
EGS Global Solutions, Inc.	313	Equifax Mortgage Solutions
Equifax Mortgage Solutions	004	Equifax Mortgage Solutions
Funding Suite	130	Equifax Mortgage Solutions
Informative Research	308	Equifax Mortgage Solutions
Information Searching Company, LLC	058	Equifax Mortgage Solutions
KCB Information Services	309	Equifax Mortgage Solutions
Merchants Credit Bureau/MCB	078	Equifax Mortgage Solutions
MFI Credit Solutions	277	Equifax Mortgage Solutions
Midwest Mortgage Credit Services, Inc.	029	Equifax Mortgage Solutions
Online Information Services, Inc.	314	Equifax Mortgage Solutions
Partners Credit & Verification Solutions	251	Equifax Mortgage Solutions
Premium Credit Bureau	294	Equifax Mortgage Solutions
SARMA - via MeridianLink	302	Equifax Mortgage Solutions
SARMA - via Sharper Lending	043	Equifax Mortgage Solutions
Service 1st Information Systems, A Credit Data Solutions Company	229	Equifax Mortgage Solutions
Settlement One via MeridianLink	290	Equifax Mortgage Solutions
Settlement One via Sharper Lending	315	Equifax Mortgage Solutions
Strategic Information Resources, Inc	075	Equifax Mortgage Solutions
Trans Union de Puerto Rico	270	Equifax Mortgage Solutions
United One, Inc.	063	Equifax Mortgage Solutions
Universal Credit Services	127	Equifax Mortgage Solutions

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": "",
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      "method": "POST",
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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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  "id": "b1d85904-f82e-4a12-ab2c-6e8971b934fe",
  "name": "CreateResponseAPI",
  "description": "",
  "auth": null,
  "events": null,
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    "0602ffb5-a9af-49cd-9876-f4400dfcce17",
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    "23ca6df7-6c25-432d-ba00-78e04917e809"
  ],
  "folders_order": [],
  "folders": [],
  "requests": [
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      "id": "0602ffb5-a9af-49cd-9876-f4400dfcce17",
      "name": "CreateLenderTransaction-EarlyCheck_1003_NEWORDER",
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      "description": "",
      "data": [],
      "dataOptions": null,
      "dataMode": "raw",
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        {
          "description": "",
          "enabled": true,
          "key": "Content-Type",
          "type": "text",
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      ],
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    {
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        },
        {
          "description": null,
          "enabled": true,
          "key": "Content-Type",
          "type": "text",
          "value": "application/json"
        }
      ],
      "method": "POST",
      "pathVariableData": [],
      "queryParams": [],
      "auth": null,
      "events": null,
      "folder": null,
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      "collectionId": "b1d85904-f82e-4a12-ab2c-6e8971b934fe",
      "rawModeData": "{\r\n\t\"product\": {\r\n\t\t\"entityRef\": {\r\n\t\t\t\"entityId\": \"6a00e270-704c-423e-b0c3-d4be5c99ff32\",\r\n            \"entityType\": \"urn:elli:encompass:loan\"\r\n\t\t},\r\n\t\t\"name\": \"AUS-EC-PU\",\r\n\t\t\"credentials\": {\r\n\t\t\t\"userName\": \"c00r9enq\",\r\n\t\t\t\"password\": \"Em@e46qc\",\r\n\t\t\t\"ecinstid\": \"724287\"\r\n\t\t},\r\n\t\t\"options\": {\r\n\t\t\t\"requestType\": \"NewOrder\",\r\n\t\t\t\"miCompany\": \"EssentGuaranty\",\r\n\t\t\t\"projectType\": \"T/FannieMaeReview\",\r\n\t\t\t\"ausReportIdentifier\": \"\",\r\n\t\t\t\"validationId\": \"1984155213\",\r\n\t\t\t\"fileFormat\": \"ULDD\",\r\n\t\t\t\"importConditions\": \"true\",\r\n\t\t\t\"conditionType\": \"preliminary\"\r\n\t\t},\r\n\t\t\"clientEntity\": {\r\n\t\t\t\"activeVersion\": \"\",\r\n\t\t\t\"configName\": \"\"\r\n\t\t}\r\n\t}\r\n}",
      "headers": "Authorization: Bearer eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzUxMiJ9.eyJlbGxpX3VpZCI6IkVuY29tcGFzc1xcQkUxMTExNzI2NDZcXGFkbWluIiwiZWxsaV9paWQiOiJCRTExMTE3MjY0NiIsInN1YiI6IiIsImVsbGlfY2lkIjoiMTAwMDAwMzQiLCJlbGxpX2lkdCI6IkVudGVycHJpc2UiLCJyb2xlcyI6W10sImVsbGlfdXJpIjoiIGh0dHBzOi8vZW5jcGxhdC1wb2QxOTNtYWluLmludC5kY28uZWxtYWUiLCJleHAiOjE1NzEzODcxMTYsImlzcyI6InVybjplbGxpOnNlcnZpY2U6aWRzIiwiYXVkIjoidXJuOmVsbGk6c2VydmljZTplYnMsdXJuOmVsbGk6c2VydmljZTpldnAifQ.lI0o9m52V0rCoQxc1_38EehEGd60TZYI9J3siXwt0UYfDhH-wwS0qXl2KsXe-YFHB7N6LQJhcpPOfUr75VmYUA\nContent-Type: application/json\n",
      "pathVariables": []
    }
  ]
}

📘
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”.

AUS Partners and Samples

Product Attributes

Partner Information

Credit Provider Codes

Fannie Mae Credit Provider Codes

Freddie Mac Credit Provider Codes

Fannie Mae Desktop Underwriter

Product Attributes

Sample API Flow

Fannie Mae Desktop Originator (DO)

Product Attributes

Fannie Mae EarlyCheck

Sample API Flow for 1003 and ULDD Submissions

📘
NOTE

📘
NOTE

📘
Note

Freddie Mac Loan Product Advisor

Product Attributes

Sample API Flow

Freddie Mac Loan Quality Advisor

Sample API Flow

📘
Note

Product Attributes

Partner Information

Credit Provider Codes

Fannie Mae Credit Provider Codes

Freddie Mac Credit Provider Codes

Fannie Mae Desktop Underwriter

Product Attributes

Sample API Flow

Fannie Mae Desktop Originator (DO)

Product Attributes

Fannie Mae EarlyCheck

Sample API Flow for 1003 and ULDD Submissions

📘NOTE

📘NOTE

📘Note

Freddie Mac Loan Product Advisor

Product Attributes

Sample API Flow

Freddie Mac Loan Quality Advisor

Sample API Flow

📘Note

📘
NOTE

📘
NOTE

📘
Note

📘
Note