Delivering
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 U.S. Federal Housing (FHFA) 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
Update to UCD timeline and v2.0 Specification resources
The Uniform Closing Dataset (UCD) mandate dates will now be announced in Q4 2026. Resources have been updated to help lenders and technology service providers prepare for UCD v2.0 adoption and transition of Phase 3B Postponed and Phase 4 edits.
UMDP Initiatives
URLA/ULAD
- Uniform Residential Loan Application (URLA) / Uniform Loan Application Dataset (ULAD) - Redesigned Form 1003, corresponding dataset, and new DU Specification
UAD
- Uniform Appraisal Dataset (UAD) - Common requirements for appraisal and loan delivery data
UPD
- Uniform Property Dataset – Common requirements for property data collection data
UCDP
- Uniform Collateral Data Portal® (UCDP®) - Single portal for electronically submitting appraisal reports for conventional mortgages
UCD
- UCD Collection Solution - Test and deliver the Uniform Closing Dataset (UCD) XML file to Fannie Mae.
- Uniform Closing Dataset (UCD) - Common industry dataset supporting the Consumer Financial Protection Bureau (CFPB) Borrower Closing Disclosure.
- UCD Test Environment
ULDD
- Uniform Loan Delivery Dataset (ULDD) - Common requirements for loan delivery data
