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Freddie Mac Clarification on the UCD PDF Requirement

June 5, 2018

To clarify the PDF requirement for the Uniform Closing Dataset (UCD) mandate on June 25, 2018, please see the following scenarios:

  1. If a loan has been submitted to Loan Closing Advisor® without a PDF prior to June 25, 2018, and is delivered to Loan Selling AdvisorSM after June 25, 2018, sellers and aggregators will not receive the UCD critical edit when delivering to Loan Selling Advisor. It will continue to be a warning edit.
  2. Loans submitted to Loan Closing Advisor without the Closing Disclosure PDF on or after June 25, 2018 will receive the UCD critical edit in Loan Selling Advisor after June 25, 2018.
Loan Closing Advisor Submission Loan Selling Advisor Message Loan Selling Advisor Edit
Loan has been submitted to Loan Closing Advisor without the Closing Disclosure PDF – before June 25, 2018. The Closing Disclosure PDF should be submitted to Loan Closing Advisor with the UCD. Continues to be a Warning Edit
Loan has been submitted to Loan Closing Advisor without the Closing Disclosure PDF – on or after June 25, 2018. The Closing Disclosure PDF must be embedded in the UCD XML file that was submitted to Loan Closing Advisor. Critical
Loan has not been submitted to Loan Closing Advisor. Or Loan has been submitted to Loan Closing Advisor but received General Info red messages. The UCD is required. Please submit the UCD and corresponding Closing Disclosure PDF through Loan Closing Advisor. Critical

If you have any questions regarding the UCD mandate, please contact your Freddie Mac representative.