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FAQs: Uniform Residential Loan Application / Uniform Loan Application Dataset

The following provides answers to questions frequently asked about the redesigned Uniform Residential Loan Application (URLA) and the corresponding dataset, the Uniform Loan Application Dataset (ULAD)

FAQs updated February 16, 2021

February 16, 2021 Updates 

New FAQs
Open Production Period Q1-4; Data Requirements Q4

Updated FAQs
Data Requirements Q10; Implementation and Timeline FAQs Q3, Q5

Limited Production Period FAQs have been moved under Historical FAQs 

Uniform Residential Loan Application 

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Technology Integration 

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Open Production Period

  • Q1.
    How do I process a loan application started on March 1, 2021 or later?

    All new loan applications started on March 1, 2021 or later must use the redesigned URLA and must be submitted to the GSEs’ AUSs using the MISMO v3.4 file formats.

  • Q2.
    How do I process a loan application my borrower started before March 1, 2021 on the legacy URLA?

    It is acceptable to use the legacy URLA after the March 1, 2021 mandate as long as the borrower started completing the legacy URLA before March 1, 2021.  Lenders will have until May 1, 2021 to submit their open loan applications started in legacy formats before March 1, 2021 but not submitted to the GSEs’ AUSs.

  • Q3.
    How do I process a loan application started before March 1, 2021, entered in my LOS system using legacy formats, and not yet submitted to the GSE’s AUS systems by March 1, 2021?

    The GSEs will accept legacy AUS files after the March 1, 2021 mandate as long as the borrower started completing the loan application before March 1, 2021.  Lenders will have until May 1, 2021 to submit their open loan applications started in legacy formats before March 1, 2021 but not submitted to the GSEs’ AUSs.

  • Q4.
    If my borrower is in the process of completing the legacy URLA on March 1, 2021, what AUS format should I use to complete this transaction?
    • If your borrower began the application process prior to March 1, 2021, they can continue to use the legacy URLA, and you may submit the loan to the GSEs using the legacy AUS formats.  Lenders will have until May 1, 2021 to submit their open loan applications started in legacy formats before March 1, 2021 but not submitted to the GSEs’ AUS.
    • If this is a new transaction starting on/or after March 1, 2021, you must use the redesigned URLA and MISMO v3.4 file formats


  • Q1.
    What is the Uniform Residential Loan Application?

    The URLA (also known as the Freddie Mac Form 65 / Fannie Mae Form 1003) is a standardized document used by borrowers to apply for a mortgage. The URLA is jointly published by the GSEs and has been in use for more than 20 years in all U.S. States and Territories. 

  • Q2.
    Does the redesigned URLA change the application origination process?

    The loan application relationship exists between the applicant(s) and the lender. The GSEs do not prescribe how the lender should interact with applicants or process loan application data. 

  • Q3.
    How should the interactive URLA files be retrieved from the GSE webpages and used?

    The GSEs recommend that the interactive URLA components be downloaded then opened using a PDF document reader such as Adobe Acrobat Reader or Adobe Acrobat Pro® . If the forms are opened within a web browser, the fillable PDF fields may lose some functionality and as a result, not perform as designed. The redesigned URLA was created using Adobe Acrobat 7 Pro, which was released in 2005. Updated versions of Adobe Acrobat software should be compatible with the redesigned URLA.

  • Q4.
    What should I be doing now to prepare for the redesigned URLA?

    On April 14, 2020 the GSEs published an update to the redesigned URLA that changed the effective date to January 1, 2021. The effective date is the only change to the URLA.  Previously, on January 29, 2020, the GSEs published an updated version of the redesigned URLA reflecting all the changes to content, appearance, and functionality. In addition, the GSEs published the following updated supporting documents to their respective URLA web pages:

    • URLA Rendering Design Options - rendering guidance addressing the updated interactive URLA components’ appearance and functionality; and
    • URLA Instructions - directions for completing new URLA form fields and clarifying existing usage.

    The following are some general steps that will help you prepare:

    1. Download and review the final updated interactive (model) URLA forms.
    2. Identify any data on the updated redesigned URLA that you do not currently collect and develop a plan to obtain that data.
    3. Review updated rendering guidance with your document preparation provider or web-based development teams.
    4. Review updated instructions with front office staff to be sure the intention of each form field is well-understood.
    5. Regularly check each GSE’s URLA web pages for additional updates to supporting documents.
  • Q5.
    Will a lender be required to repurchase a loan if the AUS data format submitted and the URLA form do not match?

    The GSEs do not intend to require a lender to repurchase a mortgage loan started before the mandate date solely due to the lender’s use of the legacy AUS data format with the redesigned URLA (and vice versa). However, it is a lender’s responsibility to ensure the data used to underwrite and determine eligibility is accurately reflected in the transaction, and that the lender has otherwise complied with the terms of their contracts with the GSEs. Lenders must apply all policies that may or may not be represented on the new vs. old URLA form and included or not included in either of the GSE's data file formats: MISMO v2.3.1, v2.4, v3.4, or the RLD 1003, v3.2 (1003 Flat File).

Data Requirements

  • Q1.
    What are the automated underwriting system specifications (AUS Specs)?

    The AUS Specs define the requirements that must be used to create the loan application submission files for each GSE’s AUS. Each GSE published updated data specifications for their AUSs using the Mortgage Industry Standards Maintenance Organization® Version 3.4 (MISMO® v3.4) Reference Model. The updated AUS specification for Fannie Mae is DU Specification MISMO V3.4 (DU Spec) and for Freddie Mac Loan Product Advisor v.5.0.06 (LPA Spec). These new specifications replace the legacy specifications which were based on MISMO 2.X or a flat file.

  • Q2.
    What is the Uniform Loan Application Dataset Mapping Document?

    The ULAD Mapping Document, created jointly by the GSEs, contains a cross reference between all the form fields in the redesigned URLA to the MISMO® v3.4 data dictionary. The ULAD Mapping Document is not an AUS data file specification.

  • Q3.
    What is the difference between the ULAD Mapping Document and each GSE’s AUS specification?

    While the ULAD Mapping Document provides a useful cross-reference from the form fields on the redesigned URLA to the data in the MISMO v3.4 data dictionary, each GSE’s AUS specification includes all the business requirements governing when the data must be included in an AUS Request file (e.g., conditionality, cardinality, implementation notes). The GSE specifications are aligned as much possible but continue to differ based on each GSE’s unique credit and underwriting policies. Information collected on the updated redesigned URLA will be submitted to each GSE’s AUS based on their respective AUS specifications, not the ULAD Mapping Document.

  • Q4.
    How is the Industry Loan Application Dataset (iLAD) different from the ULAD Mapping Document and GSE AUS specifications?

    The iLAD is a “superset’ of loan application data based on MISMO v3.4 that includes all the data in the ULAD Mapping Document and the GSE AUS Specifications.  iLAD also includes other loan application data identified by the industry that may be needed for exchange of loan application information. iLAD is agnostic to investor and business process so it does not include conditionality (rules) and cardinality (acceptable number of data repetitions) which is why it cannot be used as an AUS data specification.

  • Q5.
    Do the GSEs have any plans to update or replace the Fannie Mae 1003 Flat File used as the de facto industry standard for data exchange between industry partners for loan application data?

    No, Fannie Mae will not be updating the 1003 Flat File. The GSEs are participating in and supporting the MISMO Industry Loan Application Data (iLAD) Exchange Development Workgroup that has created and is maintaining an industry standard for data exchange of loan application information.  This dataset includes the data points for the following:

    • The complete dataset for the redesigned URLA Form (ULAD Mapping Document).
    • Each of the updated AUS Specs from Freddie Mac and Fannie Mae.
    • Other loan application data deemed relevant by the workgroup. 

    The iLAD Exchange File v2.0.1 will not be accepted by the GSEs in place of their AUS submission files. Future enhancements may include other government agency (i.e., FHA, VA, and USDA) specifications for their use of the new URLA data when available. Anyone interested in participating in this collaborative, industry-wide effort should send an email with the subject line, "Join Loan Application Data Exchange Development Workgroup" to [email protected]. More information about the iLAD Development Workgroup and other MISMO workgroups is available at mismo.org.

  • Q6.
    What schemas should I use for my AUS file validations?

    The GSEs recommend you download the full list of schema (XSD) files from MISMO.org. For Freddie Mac, you will need to download Freddie Mac Loan Product Advisor Schema Extension and the ULAD v3_4 Extension files from either the software partner resource center or the Freddie Mac URLA web page. For Fannie Mae, you can download the Fannie Mae DU Schema Files zip file from the Technology Integration for DU web page

  • Q7.
    When will the GSEs freeze their AUS specifications for production readiness?

    The GSEs published updated AUS specifications in March 2020. At this time, no further AUS Spec updates are planned except to address fatal flaws encountered during customer testing or regulatory requirements. If any modifications to AUS data requirements are necessary, the GSEs will communicate the required changes immediately.

  • Q8.
    How does the implementation of the redesigned URLA and updated AUS data submission requirements affect data delivery requirements for the Uniform Closing Dataset (UCD) and the Uniform Loan Delivery Dataset (ULDD)?

    Until directed otherwise, lenders and vendors will continue to comply with the data requirements set forth in the UCD and ULDD specifications on the GSEs’ web pages. The GSEs are identifying and analyzing equivalent data points across Loan Product Advisor/DU, UCD, and ULDD with the understanding that the purpose and lifecycle stage of each dataset may have intentional data differences across datasets. Each UMDP dataset is in a different MISMO version (ULDD – v3.0 | UCD – v3.3 | Loan Product Advisor/DU – v3.4 | UAD – v2.6) and standard data structures and names have changed over time. The GSEs are making every effort to align the collection of data for all datasets. Continue to contact your account representatives with any questions and periodically review the respective dataset web pages for any updates.

  • Q9.
    Will the GSEs be updating the Freddie Mac Form 1077 / Fannie Mae Form 1008 Uniform Underwriting and Transmittal Summary as part of the redesigned URLA project?

    The GSEs updated this form in December 2018. Because this form is not delivered electronically and is not supported by a data specification this effort was undertaken separately from the URLA/ULAD project. The GSEs considered additional changes to the form but have decided not to make any more changes. Lenders and vendors may use the 12/2018 version now if they so choose.

  • Q10.
    Will the GSEs be releasing the Voluntary Consumer Information Form (VCIF) to collect language preference from the borrower? If so, when?

    The GSEs began work on developing the VCIF in 2020; however, due to the impact of the COVID-19 pandemic on the mortgage industry, the GSEs and FHFA postponed the work on the VCIF for the remainder of the year. During 2021, we will re-engage with industry stakeholders to continue the work on the VCIF.

Implementation and Timeline

  • Q1.
    When will the GSEs require the updated AUS datasets to be delivered?

    On April 14, 2020 the GSEs announced an extension to the URLA implementation timeline to support the industry in its response to COVID-19. The redesigned URLA effective date has been extended to January 1, 2021. Industry participants may start submitting updated AUS files to the GSEs on or after this date. The mandate date for delivering MISMO v3.4 AUS files to the GSEs has been changed to March 1, 2021. The GSE’s AUS systems will continue to accept the legacy formats for all loan application submissions until the mandate.  

  • Q2.
    What should I be doing now to prepare for submitting data required by the updated AUS specifications?

    Lenders should continually monitor each GSE’s URLA and Technology web pages for updates.  The GSEs AUS specifications (Freddie Mac Loan Product Advisor® v5.0.06, March 18, 2020-SOFR/Errata and Fannie Mae DU Specification MISMO v3.4,) along with corresponding supporting documents are available on these web pages. The AUS Specs include revisions based on the updates to the redesigned URLA announced by the GSE’s on October 23, 2019 and to accommodate the SOFR index transition as announced on March 10, 2020.  

    Additionally, the following are some general steps that will help you prepare:

    • If you use a software provider, reach out to them to ensure they have copies of the updated AUS specifications. Determine the type and timeframe of testing you need to conduct with your software partner and work with them to understand when they expect to be ready to produce and receive the new data interface files.
    • If you maintain your own system, work with internal technical and business analysts to scope and schedule the tasks necessary to process the updated AUS specifications.
    • Regularly check each GSE’s URLA and Technology web pages for additional updates to the AUS specifications to ensure you are using the most recent version. Reach out to your GSE representatives, as needed, to confirm requirements and arrange testing with the GSEs.
  • Q3.
    Can a lender submit the legacy AUS formats with the redesigned URLA?

    No, the redesigned URLA cannot be used with the existing AUS formats. After the GSEs begin accepting the new format, lenders using the redesigned URLA must use the updated AUS Specifications for each GSE.

    If a legacy AUS file is submitted prior to the mandate date, the submitted file may remain in the legacy format. The lender may complete the loan using the 7/08 (rev. 6/09) URLA, even after the mandate if they submitted the file using the legacy format. However, all new applications submitted after the mandate will not be accepted if submitted using a legacy AUS file format.

  • Q4.
    What should an aggregator do if they receive a redesigned URLA or loan submission file in MISMO V3.4 and they are not ready to submit to the GSEs in the new format?

    We encourage our aggregator customers that directly integrate with GSE AUSs to coordinate with their lending partners to ensure the file format they receive is a version they are able to submit to the GSEs. Retrofitting the MISMO V3.4 file format to the legacy AUS formats is not acceptable.

Historical FAQs

  • Q1.
    Why was the URLA redesigned?

    Changes in the mortgage industry and the regulatory environment led the GSEs to reassess the information obtained at the time of loan origination. The URLA/ULAD initiative has the following objectives:

    A. Update the URLA form to collect loan application information that is relevant and useful to the industry in making a loan underwriting decision, as well as update the physical format and layout to enhance the collection of information and usability of the form.

    B. Develop and publish a corresponding standard dataset to support the URLA. The ULAD Mapping Document provides a cross reference for every field on the redesigned URLA to the equivalent data point(s) in the MISMO Version 3.4 Reference Model.

    C. Publish GSE-specific automated underwriting system (AUS) specifications for Desktop Underwriter® (DU®) and Loan Product Advisor® updated to MISMO v3.4 and including the new URLA data fields. 

  • Q2.
    Who participated in the URLA redesign?

    The GSEs began by interviewing a group of lenders and technology solution providers to understand the current loan origination process and data flow, and to assess how the URLA is used today. This was followed by meetings with the government housing agencies (FHA, VA, and USDA-RD) to understand their data needs. From this research, the project team drafted the first version of the redesigned URLA. 

    The project team continued to expand outreach to other lenders, technology solution providers, Ginnie Mae, Consumer Financial Protection Bureau (CFPB), mortgage insurance companies, the trade associations, housing advocates, and consumer groups to obtain feedback on the several iterations of the proposed redesigned URLA and the associated AUS Specifications. 

    This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency. 

    All of this feedback was reviewed by the project team and most was incorporated into subsequent versions of the redesigned URLA. 

    Later drafts of the redesigned URLA underwent eight rounds of extensive usability testing with borrowers, mortgage loan processors, underwriters, and loan officers. The project team also provided previews of the redesigned URLA at various industry meetings and conferences. 

  • Q3.
    Why are the GSEs still supporting the URLA in its paper form?

    The GSEs serve the entire mortgage industry from the smallest bank to the largest, most sophisticated lending and servicing operations. We have heard from many small to mid-size lenders and credit unions that they still need a paper form to collect and present loan application information from and to the borrower. 

  • Q4.
    What is the page length of the redesigned URLA?

    The length of the redesigned URLA will vary depending on the number of borrowers, the type of loan and the type of transaction. All versions of the form allow borrowers to indicate which sections of the application may not apply, which may also impact the page length. The URLA Rendering Design Options Document provides additional formatting guidance for technology solution providers and lenders to tailor production of the form according to system requirements. 

  • Q5.
    How do I support the updated HMDA Regulation for collecting the demographic information?

    In support of the updated HMDA regulation, lenders have the option to use the Demographic Information Addendum with the legacy URLA dated 7/05 (revised 6/09) as a replacement for the existing Section X, Information for Government Monitoring Purposes. If the Demographic Information Addendum is used with the legacy URLA, Section X may be left blank, crossed or grayed out or otherwise deleted. The Demographic Information Addendum will be retired on November 1, 2020.

  • Q6.
    Why are the updated AUS datasets based on MISMO Version 3.4 instead of the MISMO Version 3.3 used by the Uniform Closing Dataset (UCD)?

    In order to support the redesigned URLA, many modifications were necessary to MISMO v3.3, which were incorporated into MISMO v3.4. If MISMO v3.3 had been selected, extensive use of EXTENSIONS would have been necessary.

  • Q7.
    Why were the preferred language and housing counseling questions removed from the redesigned URLA?

    The Federal Housing Finance Agency (FHFA) determined that the redesigned URLA is not the appropriate vehicle to collect data on a borrower’s preferred language or information on housing counselling the borrower may have completed. The data collected on the URLA is based on two principles:
    a) Information that is most relevant and useful in making a loan underwriting decision; and
    b) Data that is statutorily required to be collected at application (e.g., demographic information required by the Home Mortgage Disclosure Act (HMDA)). 

  • Q8.
    Are loans originated during the Limited Production Period (LPP) eligible for purchase by the GSEs?

    Yes, loans originated by sellers approved for the LPP by one GSE can be purchased by either GSE so long as they meet that GSE’s purchase eligibility requirements.

  • Q9.
    Can aggregators sell loans they purchase during the LPP to the GSEs?

    Yes, aggregators that purchase loans originated during the LPP can sell those loans to the GSEs so long as they meet that GSE’s eligibility requirements.

  • Q10.
    Do the GSEs have any requirements on how a lender manages the loan volume submitted to the GSEs during the LPP?

    No, the GSEs have no requirements for or limits on the loan volume lenders may submit during the LPP. A slow and methodical ramp-up is recommended over an all-at-once approach, but lenders should determine the best course of action for implementation.

  • Q11.
    Will the GSEs publish the list of lenders participating in the LPP?

    No, the GSEs will not publish their lists of lenders participating in the LPP. We are encouraging approved lenders to inform their business partners when they are moving into production and starting to submit MISMO v3.4 files.

This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency.