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Uniform Closing Dataset

September 13, 2016

Get Ready for UCD mandate with Loan Closing AdvisorSM

Delivery of the Uniform Closing Dataset (UCD) will be required for all loans purchased by Freddie Mac beginning in the third quarter (3Q) of 2017. Loan Closing AdvisorSM can help you prepare for this requirement. Loan Closing Advisor is Freddie Mac's UCD collection solution, but it is more than just a collection solution, it provides valuable and actionable feedback on the accuracy of your UCD XML file so that you can be confident about your closing data.

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.

With Loan Closing Advisor, you can close loans with greater confidence and reduce your repurchase risk related to closing data.

Don't delay. 3Q 2017 will be here before you know it. Start getting ready today.

Learn More

Working together, at the direction of their regulator FHFA, Freddie Mac and Fannie Mae (the GSEs) have provided a common industry dataset called the Uniform Closing Dataset (UCD) to support the Consumer Financial Protection Bureau's (CFPB) Closing Disclosure. We published the UCD MISMO-mapping document, Appendix B: Closing Disclosure Mapping to the MISMO v3.3 Reference Model, and Appendix I: UCD Delivery Specification. It's important that lenders and vendors develop a plan for how they will implement the UCD. Using the UCD to implement the CFPB's Closing Disclosure could save time and resources.

Closing Vendors: If you’re a vendor involved in the mortgage closing process, please review Appendix B: Closing Disclosure Mapping to the MISMO v3.3 Reference Model. In addition, send us your contact information to receive news and information from the GSEs as you prepare to implement the UCD.

Lenders: Talk with your closing vendors about the GSE requirement for lenders to deliver the UCD. Discuss what this will mean for your joint processes and technologies. Encourage them to review and implement the UCD MISMO-mapping document.

Technical Resources


Single-Family News Center Articles

  • May 24, 2016 – GSEs Announce UCD Delivery Requirement for Q3 2017
  • December 15, 2015 – Get Ready for Freddie Mac’s Collection Solution
  • November 17, 2015 – GSEs Publish Updates to the UCD Specification and Resources
  • June 30, 2015 – GSEs Announce UCD Delivery High-Level Timeline, Plus Separate Collection Solutions
  • April 7, 2015 – Uniform Closing Dataset Split Disclosure Guidance and Other Updates
  • February 24, 2015 – GSEs Publish Uniform Closing Dataset Delivery Specification
  • December 16, 2014 – Uniform Closing Dataset High–Level Implementation Timeline
  • July 15, 2014 – GSEs Provide Additional Resources to Support the Uniform Closing Dataset
  • March 11, 2014 – GSEs Publish UCD MISMO–Mapping Document to Support CFPB's Closing Disclosure
  • November 26, 2013 – GSEs Developing Standardized Dataset to Support CFPB's Closing Disclosure Form

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


If you have questions about the UCD, please email

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