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.

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

Look for your answers here first. 

Read the Quick Guide  New DU UI job aids   DU Error Codes


Redesigned Form 1003 now required

URLA timeline

Effective March 1, 2021, lenders and brokers must use the redesigned Form 1003 and DU MISMO v3.4 file for all new loan applications. Applications started prior to March 1 can remain in their original DU format and form version.

To help you get started, check out our Quick Guide  for answers to common questions about accessing DU to submit loans in the new format, error messages, implementation timeline details, and more. This resource will be updated periodically, so if you have questions in the future, be sure to check back to see if your question has been added.

Note: The Form 1003 version and DU file format must match. Lenders should continue to re-submit each loan casefile in the format in which is it was originally submitted. 

Loans started in legacy formats prior to March 1, but not submitted by that date, may be submitted to DU in the legacy format (and use the legacy Form 1003) through April 30, 2021. DU will start returning an “Out of Scope” recommendation on conventional loans or “Error” recommendation on FHA or VA loans using the legacy Form 1003 and DU file formats with a Casefile Create Date on or after May 1, 2021. See the February 16 announcement for more information.

What's New

Redesigned Form 1003 mandate: what to expect from DU

To accommodate loans started in the legacy format prior to the March 1 mandate to use the redesigned Form 1003, but not submitted by that date, Desktop Underwriter® (DU®) will not return an Out of Scope message on new loans submitted in the legacy format until May 1, 2021.

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Redesigned Form 1003

Effective January 1, 2021, all lenders and mortgage brokers may begin using the redesigned Form 1003. All new loans started on or after March 1, 2021, must use the new format.

Non-English Translations


* Component required for all loan applications. All other components are to be used as needed.


The legacy Form 1003 may be used for new loan applications started on or before February 28, 2021. 

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.

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