Originating & Underwriting

Uniform Residential Loan Application (Form 1003)

Need help submitting the redesigned Form 1003 and DU MISMO v3.4 file? 

Look for your answers here first. 

Read the Quick Guide  DU & DO Job Aids   DU Error Codes


Redesigned to improve the borrower and lender experience

Fannie Mae and Freddie Mac (the GSEs) redesigned the Uniform Residential Loan Application (URLA) (Fannie Mae Form 1003) and created new automated underwriting system (AUS) specifications (Fannie Mae Desktop Underwriter® [DU®] Spec) to help lenders better capture relevant loan application information and support the industry’s move to digitize the loan origination process.

The GSEs also created a Uniform Loan Application Dataset (ULAD) to show how Form 1003 is mapped to MISMO® v3.4 Reference Model and a voluntary Supplemental Consumer Information Form (SCIF/Form 1103) to assist lenders in capturing information on borrower homeownership education, housing counseling and language preference information.

Reminder: URLA Pipeline Loan Closing Period ends

Effective March 1, 2022, all loan casefiles resubmitted to Desktop Underwriter® (DU®) using legacy formats (1003 v3.2 and MISMO v2.3.1) will no longer be underwritten by DU. If a loan casefile must be re-underwritten after March 1, a new loan casefile would need to be created and submitted to DU using the MISMO v3.4 format based on the DU Specification.
Read the Integration Impact Memo
View the joint GSE reminder announcement
Access the DU Specification MISMO V. 3.4


What's New

Supplemental Consumer Information Form Required

The Supplemental Consumer Information Form (SCIF/Form 1103) will be required for new conventional loans sold to Fannie Mae and Freddie Mac with application dates on or after March 1, 2023. This requirement will help facilitate the collection of homeownership education, housing counseling, and language preference information.

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Supplemental Consumer Information Form (SCIF/Form 1103)

Non-English Translations



The DU Spec, based on the MISMO v3.4 Reference Model, provides the requirements for creating a new loan application submission file based on the redesigned Form 1003. This specification contains the conditionality, cardinality, implementation notes, and other business information necessary to implement the redesigned Form 1003 in DU.

The DU Spec, along with other supporting information like an implementation guide and test case suite, can be found on the Technology Integration page for DU.

See the Technology Integration page for the DU Spec and supporting documents

The ULAD maps the data fields from the redesigned Form 1003 to the MISMO v3.4 Reference Model dataset. This mapping document clarifies Form 1003’s redesigned field names and their corresponding MISMO v3.4 data points.

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