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Uniform Closing Dataset

December 11, 2018

The Uniform Closing Dataset (UCD) is a common industry dataset that allows information on the Consumer Financial Protection Bureau’s (CFPB’s) Closing Disclosure to be communicated electronically. It was developed by Freddie Mac and Fannie Mae (the GSEs) at the direction of our regulator, the Federal Housing Finance Agency (FHFA).


The UCD Mandate
is here.

Learn more

Submit the UCD XML with Loan Closing Advisor®

The UCD has arrived. You're now required to submit a UCD XML file for all loans being delivered to Freddie Mac with a note date on or after September 25, 2017. Loan Closing Advisor®, Freddie Mac's UCD collection solution, can help you make certain you meet this requirement.

Loan Closing Advisor:

  • Collects the UCD and Closing Disclosure PDF.
  • Compares your data against the UCD specification – testing for completeness, validity, calculation accuracy and data consistency.
  • Provides feedback to promote accuracy and adherence to guidelines so that you can be confident about your closing data.

With Loan Closing Advisor, you can close loans with greater confidence and reduce your repurchase risk related to closing data. Sign up for Loan Closing Advisor today. Learn More.

UCD Implementation Resources

  • Appendix C: Closing Disclosure with Reference Numbers: Provides sample Closing Disclosures for a non-purchase and a purchase transaction to serve as cross-references between the Closing Disclosure and the UCD. – Updated as of December 11, 2018
  • Appendix E: UCD Implementation Guide: Provides an overview of how the Closing Disclosure information is represented in the XML-format file. – Updated as of December 11, 2018
  • Appendix F: UCD Sample Use Cases: Provides six sample use cases that demonstrate how a sample business transaction would be represented on the Closing Disclosure and the XML-format file that would support the use case data. – Updated as of December 11, 2018
  • Appendix G: UCD Sample XML Files – Demonstrates how a sample business transaction would be represented on the Closing Disclosure and the XML-format file that would support the use case data. – Updated as of December 11, 2018
  • Appendix I: UCD Delivery Specification – Is identical to Appendix H, but in Excel format for easier data sorting and organization. – Updated as of December 11, 2018. Please see "Revision History" tab for more information.

UCD Announcements

Single-Family News Center Articles

Freqently Asked Questions

Technology Integration Vendors

Click here for a list of Loan Closing Advisor verified vendors.

Loan Closing Advisor Training

Learn how to maximize the benefits of our UCD collection solution.

Need Help Getting Started?

Click here for a UCD
Overview

Vendors – Submit Your Contact Information

If you’re a vendor involved in the closing process, please submit your contact information so we can send you periodic updates and resources to support your UCD implementation.

Submit Contact Information

Questions?

If you have questions about the UCD, please email UCD@FreddieMac.com

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