Uniform Mortgage Data Program
At the direction of our regulator, the Federal Housing Finance Agency (FHFA), Freddie Mac and Fannie Mae (the GSEs) are working together on the Uniform Mortgage Data Program® (UMDP). The UMDP is a multifaceted, ongoing program in which the GSEs develop and implement mortgage data standards for the single-family loans we purchase and/or securitize. Capturing consistent and accurate data is essential to our ability to effectively assess risk on the mortgages we purchase and will create efficiencies for all industry participants.
The UMDP has already provided industry and housing market benefits by standardizing mortgage delivery data through the Uniform Loan Delivery Dataset (ULDD) and appraisal data through the Uniform Appraisal Dataset (UAD). In conjunction with the uniform appraisal data standards, we worked with Fannie Mae on a joint appraisal data delivery portal, the Uniform Collateral Data Portal, for the electronic capture of appraisal data. The uniform appraisal data and loan delivery data projects have been closely aligned in their goal to strengthen loan quality and are ongoing efforts.
The GSEs are also working on the Uniform Closing Dataset (UCD), a common industry dataset to support the Consumer Financial Protection Bureau’s (CFPB) Closing Disclosure.
Uniform Loan Delivery Dataset
Review and download technical and business documents, a Q&A and other resources on the Uniform Loan Delivery Dataset page.
Uniform Appraisal Dataset
Review and download technical and business documents, a Q&A and other resources on the Uniform Appraisal Dataset page.
Uniform Collateral Data Portal®
Review business documents for the UCDP®, a Q&A, the UCDP registration process and other resources on the Uniform Collateral Data Portal page.
Uniform Closing Dataset (UCD)
Review the UCD information page, along with Q&As and other information.
Uniform Loan Application Dataset (ULAD)
Review the ULAD web page for more information on the dataset and the redesigned Uniform Residential Loan Application.