Uniform Residential Loan Application & Uniform Loan Application Dataset
GSEs Publish Redesigned URLA and Supporting Documents Updated with Language Preference Question
Freddie Mac and Fannie Mae (the GSEs) have published updated dynamic and interactive versions of the redesigned Freddie Mac Form 65 – Uniform Residential Loan Application (URLA), 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 websites on November 17, 2017. A table describing the changes to the redesigned Form 65 components is included in the Appendix at the end of the announcement. New and updated supporting documents were also published and are provided below.
Start Planning Now
At the direction of the Federal Housing Finance Agency (FHFA), and in collaboration with industry partners and government agencies, Freddie Mac and Fannie Mae (the GSEs) have updated the Uniform Residential Loan Application (URLA) (Freddie Mac Form 65 / Fannie Mae Form 1003) and created a corresponding standardized dataset – the Uniform Loan Application Dataset (ULAD). The ULAD maps each data field on the redesigned URLA to equivalent data point(s) in the corresponding Mortgage Industry Standards Maintenance Organization (MISMO) v3.4 Reference Model.
The redesigned URLA form provides lenders and borrowers with greater clarity and an easier, more consumer-friendly loan application. The results represent the culmination of extensive industry collaboration.
The ULAD Initiative, which is part of the Uniform Mortgage Data Program® (UMDP), continues to promote data standards by providing common and clear definitions. UMDP provides transparency and makes it easier to share data among various stakeholders within the industry.
AUS Data Specification
Because each GSE uses URLA data to evaluate loans against their individual credit policies, Freddie Mac and Fannie Mae will continue to maintain separate automated underwriting system (AUS) data specifications. Freddie Mac's data collection requirements for loan underwriting are outlined in our Loan Product Advisor® v5.0 System Interface Specification.
If you require access to the updated Loan Product Advisor v5.0 System Interface Specification, please contact your Freddie Mac representative or your vendor.
Getting Started and Frequently Asked Questions – Updated 12/19/2017
- Instructions for the Uniform Residential Loan Application (Form 65)
- Rendering Options for the Uniform Residential Loan Application (Form 65)
- Form 65/ULAD FAQs
- Differences between Interactive and Dynamic Form 65 – New 12/19/2017
- Differences between Current and Redesigned Form 65 – New 12/19/2017
- Numbered Current Form 65 – New 12/19/2017
Interactive URLA Forms – Updated 12/19/2017
- Form 65 – Borrower Information
- Form 65 – Additional Borrower
- Form 65 – Unmarried Addendum
- Form 65 – Lender Loan Information
- Form 65 – Continuation Sheet
Dynamic URLA Form – Updated 12/19/2017
Demographic Information Addendum – Updated 12/19/2017
- Form 65 – Demographic Information Addendum
- Spanish Translation Aid to Form 65 – Demographic Information Addendum
Spanish Translation Aid to Form 65 – Updated 12/19/2017
- Spanish Translation Aid to Form 65 – Borrower Information
- Spanish Translation Aid to Form 65 – Additional Borrower
- Spanish Translation Aid to Form 65 – Unmarried Addendum
- Spanish Translation Aid to Form 65 – Continuation Sheet
Sample Applications – Updates coming soon
System Interface Specification v5.0.2 for Loan Product Advisor® – Please contact your Freddie Mac representative or your vendor.
Uniform Loan Application Dataset (ULAD) Mapping Document – Updated 12/19/2017
Supporting Documents for ULAD
- Numbered Form 65 – Borrower Information – Updated 12/19/2017
- Numbered Form 65 – Lender Loan Information – Updated 12/19/2017
- Numbered Form 65 – Unmarried Addendum – Updated 12/19/2017
- ULAD Data Relationships Using Xlink and MISMO ArcRoles Document
- December 8, 2015 – GSEs Announce Future Updates to the URLA
- August 23, 2016 – The Redesigned URLA and ULAD Mapping Document Are Here!
- September 20, 2016 – Updated Loan Product Advisor AUS Specification
- November 1, 2016 – Clarification on “Effective Date” for Redesigned URLA
- September 27, 2017 – URLA Implementation Timeline Updates
- December 19, 2017 – GSEs Publish Updated Dynamic and Interactive Redesigned URLA and Supporting Documents
Please email ULAD@freddiemac.com
We're proud to be honored with a 2017 ClearMark Award of Distinction from the Center for Plain Language for our interactive version of our Uniform Residential Loan Application - a joint project between Freddie Mac and Fannie Mae. We'd like to share the award with our industry partners, whose invaluable input helped us complete this project.