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Freddie Mac and Fannie Mae Publish Updated URLA and Supporting Documents

December 19, 2017

Freddie Mac and Fannie Mae (the GSEs) have published updated dynamic and interactive versions of the redesigned Uniform Residential Loan Application (URLA) – Freddie Mac Form 65 – which include the Language Preference question as previously announced by the Federal Housing Finance Agency (FHFA). The layout and content of the final forms are identical to and are replacing the static PDF forms published on each GSE’s URLA web page on November 17, 2017. New and updated supporting documents were also published and are described below.

This final version of Form 65 allows the industry to begin the process of implementing the redesigned form and updated Loan Product Advisor® v5.0.n Specification, along with any necessary technology changes.

Updated Documents

  • Redesigned URLA (Form 65) Uniform Residential Loan Application
    • Final Interactive (.pdf) with the following components:
      • Form 65 – Borrower Information
      • Form 65 – Additional Borrower
      • Form 65 – Unmarried Addendum
      • Form 65 – Lender Loan Information
      • Form 65 – Continuation Sheet
  • Loan Product Advisor System-to-System Data Requirements – Updated Loan Product Advisor v5.0.n Request File Data Requirements, including:
    • Incorporation of the updated Home Mortgage Disclosure Act (HMDA) Demographic data requirements (already reflected in the HMDA Demographic Information Addendum)
    • Data points to collect the Language Preference information
    • Revised Loan Product Advisor business requirements
    • Other updates and revisions to reduce and simplify the data collection


    The Loan Product Advisor v5.0.n Response File Data Requirements currently posted represent an approach to updating the current Response File DTD in MISMO v3.4 XSD format.

Updated Supporting Documents for Form 65

In addition to the documents outlined above, Freddie Mac also is publishing updated documentation supporting the implementation of Form 65. Changes primarily address the final updates to the redesigned Form 65 components.

  • Instructions for the Uniform Residential Loan Application (Form 65) – Reformatted and updated instructions to simplify completion of Form 65.
  • Rendering Options for the Uniform Residential Loan Application (Form 65) – Reorganized guidance for form design and print options to present the overall options first.
  • Dynamic Form 65 – An alternate version of the Form 65 that demonstrates some of the options described in the Rendering Options document and includes the same updates as the interactive Form 65.
  • Spanish Translation Aid to Form 65 – Updated non-executable redesigned Form 65 translated in Spanish to assist borrowers with completing the form to match the changes in the redesigned Form 65.
    • Form 65 – Borrower Information
    • Form 65 – Additional Borrower
    • Form 65 – Unmarried Addendum
    • Form 65 – Continuation Sheet

Updated Form 65 Mapping Documents

  • Uniform Loan Application Dataset (ULAD) Mapping Document – The purpose of this document is to show how each data field on the redesigned Form 65 maps to an equivalent data point in the corresponding MISMO v3.4 Reference Model. The ULAD updates include Language Preference data points, new HMDA data requirements, and other data mapping corrections.
  • Form 65 Borrower Information Numbered Form – Renumbered to include the additional Language Preference fields.

New Supporting Documents for Form 65

  • Differences between the Interactive and Dynamic Form 65 – This new fact sheet clarifies the purpose of the two document formats and identifies key differences between them.
  • Comparison Document: Current Form 65 vs. Redesigned Form 65 – Associates each field in the current Form 65 to its corresponding field on the redesigned Form 65. The document indicates field names that are the same as, deleted from, and added to the redesigned Form 65, and includes corresponding field names that are the same field with a slightly different field name between the current and updated versions.
  • Current Form 65 (Numbered) – The current Form 65 was numbered to support the Comparison document.

Updated Demographic Information Addendum

The Demographic Information Addendum to be used in conjunction with the current Form 65 was republished with minor corrections to hover textboxes.

  • Form 65 – Demographic Information Addendum
  • Spanish Translation Aid to Form 65 – Demographic Information Addendum

Safe Harbor

The Consumer Financial Protection Bureau (CFPB) reviewed updates to the redesigned Form 65 under the Equal Credit Opportunity Act (ECOA) and Regulation B. On November 20, 2017, CFPB issued a notice of Bureau Official Approval of the redesigned URLA, including the applicant Language Preference question. This approval establishes a Safe Harbor for use of the URLA under ECOA and Regulation B.

For more information, visit the Federal Register’s website and type "2017-25434" into the Search engine.

Additional Information and Training

Freddie Mac is committed to helping our customers and other industry stakeholders understand and adopt the updated Loan Product Advisor v5.0.n System-to-System Specification. We will continue to work closely with lenders and technology solution providers throughout implementation of the redesigned Form 65. Testing of the new Loan Product Advisor v5.0.n Specification submission file begins in January 2019.

The documents referenced in this article, as well as other supporting materials, are located on our ULAD web page.

If you have questions about the redesigned Form 65, the Loan Product Advisor Specification, or other supporting documents, please contact your Freddie Mac representative or email ULAD@FreddieMac.com.

For More Information

  • Read today's joint announcement for details and what you can expect
  • Freddie Mac URLA/ULAD web page