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Uniform Loan Delivery Dataset

ULDD Phase 3 Updates Announced

Freddie Mac and Fannie Mae published further updates to Phase 3 of the Uniform Loan Delivery Dataset (ULDD), as a follow-up to our March 28, 2017, announcement. This addendum clarifies the requirements for delivery of Home Mortgage Disclosure Act (HMDA) data and announces the implementation date for the second release of ULDD Phase 3.

These updates include:

  • New valid values and data points to help us collect accurate race data.
  • Clarifying conditionality details for certain Home Mortgage Disclosure Act (HMDA) data points.
  • Increased cardinality limits for ethnicity and race data.
  • Minor changes to the Phase 3 extension schema file.
  • Announcing a February 26, 2018, implementation date for the second release of ULDD Phase 3.

Please visit the Technical Resources section below for updated appendices and other resources to support your ULDD Phase 3 implementation.

NOTE: the GSEs have different implementation strategies for ULDD Phase 3 – review the joint implementation timeline for more information.

Learn More

The Uniform Loan Delivery Dataset (ULDD) supports the work to implement uniform data standards and defines the data that we require at loan delivery based on loan type, loan feature or other business requirements.

ULDD data is granular, standardized, and has clear definitions, providing sellers with a common understanding of the meaning of each data point. The end result is greater transparency, which helps sellers 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 3 ULDD:

  • Appendix A Freddie Mac XML Data Requirements V.4.0.2 incorporates the Phase 3 requirements in Tab 9 – ULDD Update Issued 6-27-2017Updated as of June 27, 2017
  • Appendix B Freddie Mac Test Case Scenarios provides common test case scenarios that illustrate how the loan delivery data is translated into MISMO terms – Updated as of June 27, 2017
  • Appendix C Freddie Mac XML Sample Files provides XML file samples that support the test case scenarios – Updated as of June 27, 2017
  • Appendix D Freddie Mac XML Data Requirements Reference Tool V.4.0.2, is identical to the Appendix A PDF above but in Excel format. It allows Sellers and vendors to easily sort and organize the information in the Appendix A PDF document. – Updated as of June 27, 2017
  • Appendix E MISMO V3.0 Reference Model and ULDD Phase 3 Extension Schema specifies the use of extension containers for delivery of the expanded HMDA borrower demographic information not supported in V3.0 of the MISMO Reference Model. – Updated as of June 27, 2017
  • Freddie Mac ULDD Phase 3 Implementation Guide provides the necessary information to build an XML file for submission of loan delivery data to the Freddie Mac Selling System®, in accordance with the MISMO V3.0 Reference Model, and including the use of MISMO extension containers. – Updated as of March 28, 2017

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
  • 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 14, 2014 – Guide Bulletin 2014-2 (ULDD Phase 2 Data Points Added to Guide)


  • 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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