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A3-4-02, Data Quality and Integrity (08/07/2018)

This topic contains information about data quality and integrity.

Data Integrity and Quality

Lenders must supply Fannie Mae with complete and accurate data.

All data entered into DU must be verifiable. The lender must have adequate procedures in place to validate the integrity of specific data for each underwriting recommendation.

A lender must provide key information - called loan delivery data - about all of the mortgages that it delivers to Fannie Mae. Some of these data elements are not required to qualify a borrower or underwrite a loan but are still required to be delivered to Fannie Mae. The lender remains responsible for representations and warranties for the life of the loan related to misstatements, misrepresentations, omissions, and data inaccuracies subject to the limitations set forth in A2-2-07, Life-of-Loan Representations and WarrantiesA2-2-07, Life-of-Loan Representations and Warranties.

Fannie Mae may require the lender to correct data as needed.

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