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Uniform Mortgage Data Program

Fostering data standardization, data exchange efficiencies, and enhanced risk management for lenders

Uniform Mortgage Data Program (UMDP) is an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency to enhance mortgage data quality and standardization.


UMDP is composed of several initiatives supporting standardization of appraisal data, loan application data, closing disclosure data, and loan delivery data.

What's New

Jun. 8, 2020

ULDD updates for the retirement of CMT-indexed ARMS
Freddie Mac and Fannie Mae (the GSEs) have updated the Uniform Loan Delivery Dataset (ULDD) specification for the retirement of the Constant Maturity Treasury (CMT) indexed adjustable-rate mortgages (ARMs). The GSEs will not purchase any CMT-indexed ARM with an Application Received Date of July 1, 2021 or later. Effective Oct. 1, 2021, the GSEs will no longer purchase any CMT-indexed ARMs, regardless of the Application Received Date or Note Date.

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UMDP Initiatives

eNote Specification for eMortgages