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Uniform Loan Delivery Dataset

ULDD Phase 3 Update and Reminder

On November 20, 2018, Freddie Mac and Fannie Mae (the GSEs) provided an update to Phase 3 of the Uniform Loan Delivery Dataset (ULDD), as a follow up to the July 10, 2018, announcement. The GSEs made clarifications to existing ULDD Phase 3 data points, and provided an updated implementation timeline to identify each of their remaining ULDD Phase 3 system implementation dates.

As a reminder, the Phase 3 import file contains all the Phase 2 data in addition to the Phase 3 data, so you can use the Phase 3 import file during the transition period to deliver both Phase 2 and Phase 3 loans.

The ULDD Phase 3 requirements are effective for loans with Application Received Dates on or after January 1, 2019, and delivered on or after May 20, 2019.

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 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 AFreddie Mac XML Data Requirements V.4.2.3 incorporates updates to the Phase 3 requirements in Tab 9A – ULDD Update Issued 11-20-2018. Tab 9B – ULDD Phase 3 Only consolidates the Phase 3 requirements in one convenient location. – Updated as of November 30, 2018
  • Appendix B Freddie Mac Test Case Scenarios provides common test case scenarios, including HMDA Demographic Information scenarios, that illustrate how the loan delivery data is translated into MISMO terms – Updated as of February 21, 2018
  • Appendix C Freddie Mac XML Sample Files provides XML file samples that support the test case scenarios – Updated as of February 21, 2018
  • Appendix D Freddie Mac XML Data Requirements Reference Tool V.4.2.3, 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. Tab 9B – ULDD Phase 3 Only consolidates the Phase 3 requirements in one convenient location. – Updated as of November 30, 2018
  • 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. A new graphic shows the placement of the MISMO extension containers. – Updated as of November 7, 2017
  • Freddie Mac ULDD Phase 3 Implementation Guide provides the necessary information to build an XML file for submission of loan delivery data to Freddie Mac Loan Selling Advisor, in accordance with the MISMO V3.0 Reference Model, and including the use of MISMO extension containers. – Updated as of November 7, 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 – Loan Selling Advisor News and Reminders
  • April 9, 2014 – ULDD Phase 2 Customer Test Environment Now Available, Plus Loan Selling Advisor 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)


Joint GSE Timeline

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