Uniform Residential Loan Application (Form 1003)
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.
Supplemental Consumer Information Form (Form 1103) Updates
We’ve issued Lender Letter LL-2022-03 to notify lenders of the mandatory use of the Supplemental Consumer Information Form (SCIF/Form 1103) for loans sold to the GSEs with application dates on or after March 1, 2023. Translated versions of the SCIF are available in Spanish, traditional Chinese, Vietnamese, Korean, and Tagalog on the Multi-Language Resources for Lenders page to help lenders serve borrowers who have limited English proficiency.
Read the joint GSE announcement
Refer to the URLA FAQs
- Borrower Information*
- Lender Loan Information*
- Additional Borrower
- Unmarried Addendum
- Continuation Sheet
* Component required for all loan applications. All other components are to be used as needed.
** The term “realtor” appears in Section 5: Declarations (5a.C.) of the Uniform Residential Loan Application (1/2021). REALTOR® is a registered service mark of the National Association of REALTORS® (NAR). Only members of NAR may call themselves REALTORS®. This term will be removed when the form is next updated and replaced with “real estate agent” or other similar term.
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.
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.