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Uniform Loan Delivery Dataset

ULDD Phase 3 Data Requirements Announced

Freddie Mac and Fannie Mae have announced updates to the existing Uniform Loan Delivery Dataset (ULDD), which will be known as ULDD Phase 3. ULDD Phase 3 continues to support improved loan delivery standards, including the collection of:

  • New GSE-aligned data points that will help identify Warehouse Lenders and condominium projects
  • Borrower demographic information to support the Home Mortgage Disclosure Act Final Rule.

Please review Appendix A, Freddie Mac XML Data Requirements V.4.0.0, updated as of December 13, 2016.

Learn More

The Uniform Loan Delivery Dataset (ULDD) supports the work to implement uniform loan delivery data standards and defines the data that we require at loan delivery based on loan type, loan feature or other business requirements. With the implementation of ULDD Phases 1, 2 and 3, lenders are now providing Freddie Mac with more complete and accurate data.

ULDD data is more granular, standardized, and has clearer definitions, providing lenders with a common understanding of the meaning of each data point. The end result is greater transparency, which helps lenders gain a better understanding of our assessment of mortgage risk and purchase requirements on loans they sell to us.

Business Resources

Vendor Selection Resources 

Additional Resources 

Document Custodian Resources 

Technical Resources

The following resources provide the technical documentation that Freddie Mac-approved Sellers and vendors need to implement Freddie Mac's loan delivery data requirements for the Phase 2 ULDD:

  • Appendix AFreddie Mac XML Data Requirements V.4.0.0 provides details about the loan delivery data point requirements and has been updated to incorporate Tab 9 –ULDD Phase 3 Issued 12-13-16, which provides the ULDD Phase 3 requirements – Updated as of December 13, 2016
  • Appendix D – This Excel spreadsheet, Freddie Mac XML Data Requirements Reference Tool V.4.0.0, is identical to the Appendix A PDF above, and is designed to enable Sellers and vendors to easily sort and organize the information in the Appendix A PDF document. – Updated as of December 13, 2016

Additional Resources




  • December 15, 2014 – Guide Bulletin 2014-24 Announces New Representation and Warranty Tracking Application and Other Requirement Updates (includes updated ULDD addendum)
  • September 23, 2014 – ULDD Addendum Provides Clarity and Alignment
  • August 18, 2014 – Selling System News and Reminders
  • May 8, 2014 – Get Ready for ULDD Phase 2: Selling System Updates on May 19
  • April 9, 2014 – ULDD Phase 2 Customer Test Environment Now Available, Plus Selling System Historical Data
  • April 1, 2014 – GSEs Delay Publication of ULDD Phase 3 Specification
  • February 18, 2014 – ULDD Phase 2 Tips and Selling System Updates
  • February 14, 2014 – Guide Bulletin 2014-2 (ULDD Phase 2 Data Points Added to Guide)


  • November 13, 2013 – ULDD Phase 2 Preparation Tips and Training Resources
  • October 29, 2013 – GSE Publish ULDD Phase 3 Preview Specification
  • August 22, 2013 – ULDD Phase 2 Preparation Tips, Specification Update, and More
  • June 27, 2013 – Freddie Mac Continues to Support ULDD Phase 2 Implementation on August 25, 2014
  • May 20, 2013 – Preparing for the Phase 2 ULDD
  • April 10, 2013 – Appraisal Data Accuracy and Enhancements
  • March 26, 2013 – The Importance of Data Accuracy, ULDD Data Point Clarifications, and Updated ULDD Specification
  • January 31, 2013 – Guide Bulletin 2013-2 (Phase II ULDD Transition Period Begins May 2014)


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