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Uniform Closing Dataset

February 5, 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).

Please Note: Freddie Mac Loan Selling AdvisorSM checks for a successful UCD XML file submission and currently issues a "warning" edit if the data and embedded Closing Disclosure PDF are not provided. As announced on January 30, effective June 25, 2018, the UCD edits in Loan Selling Advisor will transition from "warning" to "critical". The UCD XML file, including the embedded PDF of the Borrower's Closing Disclosure, must be submitted to Loan Closing AdvisorSM prior to delivery to Loan Selling Advisor.

We will continue to partner with any lender who is currently receiving the warning message, to assist them with successful UCD adoption as soon as possible.

The requirement to embed the Closing Disclosure PDF in the UCD XML file will be fully enforced beginning June 25, 2018. If you're able to deliver the UCD XML file with the embedded PDF before that date, we encourage you to do so.

Has Arrived

Submit the UCD XML with Loan Closing AdvisorSM

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 AdvisorSM, 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 June 6, 2017
  • Appendix E: UCD Implementation Guide: Provides an overview of how the Closing Disclosure information is represented in the XML-format file. – Updated as of March 28, 2017
  • 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 March 31, 2017
  • 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 March 31, 2017
  • Appendix H: UCD Delivery SpecificationProvides coding information for how to deliver the UCD to the GSEs presented in XML order. – Updated as of January 31, 2017
  • Appendix I: UCD Delivery Specification – Is identical to Appendix H, but in Excel format for easier data sorting and organization. – Updated as of February 02, 2017. Please see "Revision History" tab for more information.

UCD Announcements

Single-Family News Center Articles

Freqently Asked Questions

Technology Integration Vendors

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Loan Closing Advisor Training

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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.

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If you have questions about the UCD, please email

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