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Uniform Residential Loan Application & Uniform Loan Application Dataset

GSEs Publish Static Version of the Updated
Redesigned URLA

Freddie Mac and Fannie Mae (the GSEs) are announcing the publication of the static version of the updated redesigned Uniform Residential Loan Application (URLA) (i.e., Freddie Mac Form 65 / Fannie Mae Form 1003). This release contains revisions to the URLA previously announced in 2016 and follows the Federal Housing Finance Agency's (FHFA) announcement on October 20, 2017 that a question about the applicant's language preference would be added to the URLA.

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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.

Business Resources

Getting Started and Frequently Asked Questions – 2016 version

Static URLA Forms – New 11/17/2017

Interactive URLA Forms – 2016 version

Dynamic URLA Form – 2016 version

Demographic Information Addendum – Updated 9/26/2017

Spanish Translation Aid to the URLA Form – 2016 version

Sample Applications – 2016 version

Technical Resources

System Interface Specification v5.0 for Loan Product Advisor® – Please contact your Freddie Mac representative or your vendor.

Uniform Loan Application Dataset (ULAD) Mapping Document



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ClearMark Award

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.

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