Uniform Mortgage Data Program
Updated on July 30, 2013
At the direction of our regulator, the Federal Housing Finance Agency (FHFA), Freddie Mac and Fannie Mae (the GSEs) are working together on the Uniform Mortgage Data Program® (UMDP). The UMDP is a multifaceted, ongoing program in which the GSEs develop and implement mortgage data standards for the single-family loans we purchase and/or securitize. Capturing consistent and accurate data is essential to our ability to effectively assess risk on the mortgages we purchase and will create efficiencies for all industry participants.
The UMDP has already provided industry and housing market benefits by standardizing mortgage delivery data through the Uniform Loan Delivery Dataset (ULDD) and appraisal data through the Uniform Appraisal Dataset (UAD). In conjunction with the uniform appraisal data standards, we worked with Fannie Mae on a joint appraisal data delivery portal, the Uniform Collateral Data Portal, for the electronic capture of appraisal data. The uniform appraisal data and loan delivery data projects have been closely aligned in their goal to strengthen loan quality and are ongoing efforts.
The GSEs are also working on additional projects under the UMDP umbrella:
- The Uniform Mortgage Servicing Dataset (UMSD), which will define a standard dataset that will facilitate data exchanges between servicers and investors with standardized definitions, formats, and valid data values.
- The Uniform Closing Dataset (UCD), a common industry dataset to support the Consumer Financial Protection Bureau’s (CFPB) proposed Closing Disclosure form.
Uniform Loan Delivery Dataset
Review and download technical and business documents, a Q&A and other resources on the Uniform Loan Delivery Dataset page.
Uniform Appraisal Dataset
Review and download technical and business documents, a Q&A and other resources on the Uniform Appraisal Dataset page.
Uniform Collateral Data Portal®
Review business documents for the UCDP®, a Q&A, the UCDP registration process and other resources on the Uniform Collateral Data Portal page.
Uniform Mortgage Servicing Dataset
Review the December 2012 Single-Family Update email and the UMSD Q&As for more information.
Uniform Closing Dataset (UCD)
Review the July 30, 2013, Single-Family Update article for more information.
Uniform Mortgage Data Program
Additional Resources
- UMDP Questions & Answers – Updated as of July 30, 2013