By which day of delinquency must the Default Reason Code be entered in FHA’s Single Family Default Monitoring System (SFDMS)?

The Mortgagee must ensure that FHA’s Single Family Default Monitoring System (SFDMS) reflects the appropriate Delinquency/Default Reason (DDR) Code for the Default by the 90th Day of delinquency.
If the Mortgagee reports DDR Code 31, Unable to Contact Borrower, in SFDMS, the Mortgagee must document its efforts to contact the Borrower in the servicing file and continue to try to determine the reason for the delinquency Default.

Questions related to the SFDMS may be emailed to

HUD's Single Family Delinquency / Default Reporting web page is available at
See policy in Handbook 4000.1 Section III.A.2.h.xiii. at:

All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.

Topic Number: KA-04146