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Uniform Residential Loan Application & Uniform Loan Application Dataset

December 11, 2018

GSEs Publish New Sample Forms, XML Samples, and AUS Specification Updates in Support of the Redesigned Form 1003/Form 65

As a follow-up to the publication of the final redesigned Uniform Residential Loan Application (Freddie Mac Form 65) in December, Freddie Mac and Fannie Mae (the GSEs) have published new and updated supporting documents. New refinance and purchase use cases along with completed Form 65 and XML sample files are now available to customers, along with updates to our joint FAQs, the Loan Product Advisor® specification, mapping documents and more. 

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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.

Implementation Timeline

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ULAD Data Specification

Because each GSE uses URLA data to assess loan file submissions against their individual credit policies, Freddie Mac and Fannie Mae will continue to maintain separate automated underwriting system (AUS) data specifications.

For underwriting loans using Freddie Mac’s Loan Product Advisor®, use the Loan Product Advisor® v5.0 System Interface Specification to build the request XML.

If you are an approved seller that requires access to the updated Loan Product Advisor v5.0 System-to-System Specifications, please contact your Freddie Mac representative or call 800-FREDDIE. If you are an existing or prospective software partner interested in integrating to Freddie Mac, please contact your integration representative or email

Technical Resources

Supporting Documents for ULAD

Purchase Case Study  – Updated 9/18/2018

Refinance Case Study   – Updated 9/18/2018


Tutorial: The Redesigned URLA and New ULAD

New – Watch our recorded tutorial about the redesigned URLA and ULAD. Learn the difference between the old and new URLA, what ULAD is all about, why and how we made changes and what you need to do to prepare for July 1, 2019. Watch here.


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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