{
  "tool_id": "art-226-mismo-uldd-ulad",
  "note": "Vectors derived from public Fannie Mae ULDD Phase 5 Data Stencil + Freddie Mac ULAD v1.3 dictionaries (table_version ULDD-PHASE5-ULAD-1.3-2025-07-28). Structural lint only; no MISMO Reference Model. golden_hash empty until golden-parity --update.",
  "vectors": [
    {
      "name": "valid_uldd_record",
      "description": "Structurally-valid ULDD Phase 5 record: all 13 required fields present, valid enums, in-range values. Lint passes.",
      "policy_parameters": {
        "loan_data": {
          "loan_purpose_type": "Purchase",
          "amortization_type": "FixedRate",
          "loan_amount": 400000,
          "ltv_pct": 80,
          "occupancy_type": "PrimaryResidence",
          "property_type": "Detached",
          "number_of_units": 1,
          "interest_rate_pct": 6.5,
          "loan_term_months": 360,
          "credit_score": 740,
          "dti_pct": 38,
          "channel_type": "Retail",
          "doc_type": "FullDocumentation"
        }
      },
      "output_payload": {
        "lint_pass": true,
        "errors": [],
        "warnings": [],
        "error_count": 0,
        "warning_count": 0,
        "fields_supplied": 13,
        "field_results": [
          {
            "field": "loan_purpose_type",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "amortization_type",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "loan_amount",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "ltv_pct",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "occupancy_type",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "property_type",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "number_of_units",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "interest_rate_pct",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "loan_term_months",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "credit_score",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "dti_pct",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "channel_type",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "doc_type",
            "required": true,
            "present": true,
            "status": "ok"
          }
        ],
        "uldd_phase": "Phase 5",
        "uldd_mandate_date": "2025-07-28",
        "table_version": "ULDD-PHASE5-ULAD-1.3-2025-07-28",
        "table_source": "Fannie Mae ULDD Phase 5 Data Stencil (public, fanniemae.com); Freddie Mac ULAD Data Dictionary v1.3 (public, freddiemac.com); ULDD Phase 5 mandate effective 2025-07-28",
        "regulatory_basis": "12 USC 4501 (FHFA); Fannie Mae ULDD Phase 5 mandate; Freddie Mac ULAD v1.3; Uniform Mortgage Data Program (UMDP)",
        "license_note": "Lints against public ULDD Phase 5 / ULAD data dictionaries. Does not embed or validate against the membership-licensed MISMO v3.x Reference Model schema.",
        "pii_note": "All inputs are processed locally in your browser. No data is transmitted. Loan data is PII: use structural/synthetic inputs only."
      },
      "golden_hash": "a11acd705f64782c8527c0c33f4a1c873a76b37824f0a12c3c1a160b8685539b"
    },
    {
      "name": "invalid_missing_and_bad_enum",
      "description": "Non-conforming ULDD record: missing credit_score/dti_pct/channel_type/doc_type and invalid occupancy_type enum. Lint fails with errors.",
      "policy_parameters": {
        "loan_data": {
          "loan_purpose_type": "Purchase",
          "amortization_type": "FixedRate",
          "loan_amount": 400000,
          "ltv_pct": 80,
          "occupancy_type": "OwnerOccupied",
          "property_type": "Detached",
          "number_of_units": 1,
          "interest_rate_pct": 6.5,
          "loan_term_months": 360
        }
      },
      "output_payload": {
        "lint_pass": false,
        "errors": [
          {
            "code": "REQUIRED_FIELD_MISSING",
            "field": "credit_score"
          },
          {
            "code": "REQUIRED_FIELD_MISSING",
            "field": "dti_pct"
          },
          {
            "code": "REQUIRED_FIELD_MISSING",
            "field": "channel_type"
          },
          {
            "code": "REQUIRED_FIELD_MISSING",
            "field": "doc_type"
          },
          {
            "code": "INVALID_ENUM_VALUE",
            "field": "occupancy_type",
            "value": "OwnerOccupied",
            "allowed_values": [
              "InvestorProperty",
              "PrimaryResidence",
              "SecondHome"
            ]
          }
        ],
        "warnings": [],
        "error_count": 5,
        "warning_count": 0,
        "fields_supplied": 9,
        "field_results": [
          {
            "field": "loan_purpose_type",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "amortization_type",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "loan_amount",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "ltv_pct",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "occupancy_type",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "property_type",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "number_of_units",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "interest_rate_pct",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "loan_term_months",
            "required": true,
            "present": true,
            "status": "ok"
          },
          {
            "field": "credit_score",
            "required": true,
            "present": false,
            "status": "missing"
          },
          {
            "field": "dti_pct",
            "required": true,
            "present": false,
            "status": "missing"
          },
          {
            "field": "channel_type",
            "required": true,
            "present": false,
            "status": "missing"
          },
          {
            "field": "doc_type",
            "required": true,
            "present": false,
            "status": "missing"
          }
        ],
        "uldd_phase": "Phase 5",
        "uldd_mandate_date": "2025-07-28",
        "table_version": "ULDD-PHASE5-ULAD-1.3-2025-07-28",
        "table_source": "Fannie Mae ULDD Phase 5 Data Stencil (public, fanniemae.com); Freddie Mac ULAD Data Dictionary v1.3 (public, freddiemac.com); ULDD Phase 5 mandate effective 2025-07-28",
        "regulatory_basis": "12 USC 4501 (FHFA); Fannie Mae ULDD Phase 5 mandate; Freddie Mac ULAD v1.3; Uniform Mortgage Data Program (UMDP)",
        "license_note": "Lints against public ULDD Phase 5 / ULAD data dictionaries. Does not embed or validate against the membership-licensed MISMO v3.x Reference Model schema.",
        "pii_note": "All inputs are processed locally in your browser. No data is transmitted. Loan data is PII: use structural/synthetic inputs only."
      },
      "golden_hash": "0850d0c706dab7454a7671fed6301e3fc56b9238dabd9e46a288bcf7b87f3ab1"
    }
  ]
}