Message Codes - Messages and Calculations/Formulas not Regulatory Advice

Message codes help to identify the type of warning or error message returned. Messages (including any displayed or embedded calculations and/or formulas and associated results) do not constitute legal or regulatory advice, but rather seek to convey specific errors or discrepancies relating to a dataset’s alignment with the UCD specification, or to certain Freddie Mac eligibility requirements. Neither the tool’s messages nor any of its embedded calculations/formulas constitute legal or regulatory advice, and should not be construed or relied upon as such. 

General Information Assessment Results

There are two types of error messages in the General Information section:

• General Information ‘General’ Assessment Message: General information messages are expanded by default. Messages will display in the General Information tab if the data is missing or not formatted correctly per the UCD file specification. Most General Information messages will display with a message code of MSGGIXXX.

• General Information ‘Validation’ Message: This message will display in the General Information tab if the data is invalid per the UCD file specification. For example, if the field requires a numerical value however an alpha numerical value was delivered instead. The Message code will show a ‘V’ to indicate Validation Message. For example, MSGVXXX

Data Quality Assessment Results

• Data Calculation message: This type of message will display when the application calculates a value, based on the individual data points that make up a total, and that calculated total does not match the amount that is provided in the delivered file. The Message Code will show as DQCLXXX. DQCL stands for Data Quality Calculation.

• Data Completeness message: This type of message will display when the application determines that a data point that is required (or conditionally required) per the UCD specification has not been provided or when a data point that is not required has been incorrectly provided. The Message Code will show as DQCXXX. DQC stands for Data Quality Completeness.

• Data Consistency message: This type of message provides feedback when the same data element appears in different sections of the Closing Disclosure form but does not match. An example might be if the Principal and Interest in the Loan Terms Section is not consistent with the Principal and Interest in the projected Payments section. The Message Code will show as DQCOXXX. DQC stands for Data Quality Consistency.

• Data Reasonableness: This type of message displays when the value of the data point provided does not appear to be reasonable based on known information. For example, a loan amount of $1 would be categorized as not being reasonable, and would trigger a review flag for the user. The Message Code will show as DQRXXX. DQR stands for Data Quality Reasonableness.

• Data Quality Validation message: This type of message will display if the data provided is invalid per the UCD file specification. For example, the file contains an invalid enumeration. The Message Code will show as DQVXXX. DQV stands for Data Quality Validation.

• GSE: Additional Non-Form UCD Fields - This section provides messages specifically for additional data points required in the UCD that are not a part of the Closing Disclosure form.

• Critical message: This type of message will display when a critical error is triggered because the data submitted to Loan Closing Advisor does not meet the requirements of the Uniform Closing Dataset.

Click here to download the Loan Closing Advisor^® Calculations spreadsheet. This is designed to help sellers and correspondents better understand the calculation messages within Loan Closing Advisor.  Messages are listed in order of the applicable Data Quality section on the Loan Assessment Summary screen. 

Eligibility Assessment Results

This section provides several checks completed by Loan Closing Advisor to validate conformity with some Freddie Mac eligibility guidelines utilizing only data provided in the UCD XML file. This allows you to perform eligibility checks earlier in the process to provide additional certainty as to the quality of the data prior to delivery and submission to Loan Selling Advisor^®.

• Eligibility Message Code: This type of message will display when an informational or critical error is triggered when Loan Closing Advisor checks data conformity with some Freddie Mac eligibility guidelines when only utilizing data in the UCD XML file. The message code will show as CREXXX.

Business and Technical Messages

View all business and technical messages by clicking on the related button. Click on the double arrows to the right of a message to toggle between individual business and technical messages.

• Business Messages: Warning and error messages default to business messages designed to be clear and concise, and easily understood by the user. The Loan Assessment Summary will default to show all messages in business format as illustrated on the next page.

• Technical Messages: These messages provide the XML data points and xpaths to assist the user in quickly identifying data errors directly within the XML file that may need correction.

Refer to Export History on how to export results including applicable Business and Technical messages. 

This information is not a replacement or substitute for the requirements in the Freddie Mac Single-Family Seller/Servicer Guide or any other contractual agreements. This information does not constitute an agreement between Freddie Mac and any other party. © 2025 Freddie Mac.

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