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.

Participate in the redesigned Form 1003 Open Production Period

URLA timeline

Effective Jan. 1, 2021, everyone who is ready may begin submitting loans to production using the redesigned Form 1003 and updated DU Spec based on MISMO v3.4.

To begin submitting loans in the new format, visit the New DU User Interface (UI) webpage.

For technical questions or assistance during implementation, contact the Technology Support Center.

The deadline for switching to the redesigned Form 1003 is March 1, 2021. Until then, you may continue to submit loans using the legacy format to classic DU UI. The new DU UI will only accept the redesigned Form 1003.

What's New

Open Production Period has begun

Effective Jan. 1, 2021, all lenders may begin using the redesigned Form 1003 and updated DU Spec to submit loans to production using the new DU user interface.

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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.