Originating & Underwriting

Uniform Residential Loan Application (Form 1003)

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 data.

URLA Implementation Timeline

URLA timeline

The mandate for required use of the redesigned URLA is March 1, 2021. See the timeline announcement.

We’ve issued Lender Letter LL-2020-10, Usage of Redesigned Form 1003, to provide guidance to lenders on use of the redesigned URLA prior to the mandate.

What's New

Updated URLA FAQs now available

Fannie Mae has published new URLA FAQs reflecting questions we’ve received about the Limited Production Period, as well as updates to some existing questions.

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DU Specification

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.

Note ­‑‑ This resource should not be used to create your loan application submission file for DU. Use DU Spec MISMO v3.4 on the Technology Integration page to update your systems.