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.

New URLA implementation timeline published with Nov. 1, 2020 mandate

URLA timeline

Fannie Mae and Freddie Mac (the GSEs) have published the updated interactive version of the redesigned Uniform Residential Loan Application (URLA) (Fannie Mae Form 1003). See the full announcement.

What's New

Changes to the DU® Spec MISMO V3.4 Published
Fannie Mae published changes to the DU® Spec MISMO V3.4 as part of the continued effort to support implementation of the redesigned Uniform Residential Loan Application (URLA) Form 1003 and DU Spec by the Nov. 1 deadline.

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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

ULAD

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.

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