As of November 18th, 2017, Fannie Mae has modified their rules in regards to frozen credit reports.  With the Experian date breach, they will now allow for a loan to be approved with 1 of the bureaus frozen.  Previously, this was not allowed.

More info here…

https://www.fanniemae.com/content/release_notes/du-do-release-notes-11182017.pdf