Loan Closing Advisor: UCD Testing and More
Loan Closing Advisor® updates are effective as of June 30, 2025. They include:
- CTE Available for UCD v2.0 Specification and UCD Critical Edits
- OAUTH Authentication
- June Release Notes
Details are as follows:
Loan Closing Advisor CTE Available for UCD v2.0 Specification and UCD Critical Edits
On June 30, 2025, Uniform Closing Dataset (UCD) v2.0 Specification (UCD v2.0) and UCD Critical Edits Phase 3B Postponed and Phase 4 requirements are available in Loan Closing Advisor’s customer test environment (CTE) for you to test UCD XML submission files for compliance. The test environment will return “warning and critical” edits and feedback messages to help you prepare for the UCD v2.0 and the critical edits’ transitions. The GSEs published an announcement to provide guidance on steps to prepare for UCD v2.0 and the critical edits’ transitions.
In Loan Closing Advisor CTE, the UCD v2.0 and UCD Critical Edits Phase 3B Postponed and Phase 4 requirements are available as follows:
- June 30, 2025 – Warnings edits only
- August 5, 2025 – Warning edits will become critical edits
We recommend testing the requirements in Loan Closing Advisor CTE to help resolve potential critical issues prior to the implementation mandate.
The GSEs have published new and updated UCD resources to help you prepare for necessary updates and testing:
New
- UCD v2.0 Initiative Readiness Checklist for Lenders
- UCD v2.0 Initiative Readiness Checklist for Direct Integrators
- UCD v2.0 Production Validation Schema
Updated
- UCD v2.0 Specification, Rev 2
- UCD FAQs
- UCD Critical Edits Matrices
- UCD v1.5 CEM v8.1
- UCD v2.0 CEM v1.1
- Numbered Closing Disclosure
Reference the June 30th joint GSE announcement for more information
Loan Closing Advisor OAuth 2.0 Authentication
We are updating the required system-to-system (S2S) authentication for Loan Closing Advisor by changing from basic authentication to token-based Open Authentication (OAuth 2.0). All developers and lenders will have a one year to develop, test and transition to the new authentication method.
Each lender must ensure you are working with your software partner to prepare to cutover to the OAuth 2.0.
Using the OAuth 2.0 Authentication
Currently, to access Loan Closing Advisor, users use basic authentication with their current endpoint and send their username and password. The new OAuth 2.0 authentication adds a step where the current username and password is used to obtain a “token” from the OAuth application programming interface (API). This token is used in place of the username and password, and is reusable for up to four hours, to authenticate into Loan Closing Advisor.
The OAuth API details are available in the Freddie Mac Developer Portal (developer.freddiemac.com) in the Related Documents section of OAuth in the API Catalog.
The reason for this upgrade is to continue the standardization of integration to Freddie Mac services and to increase safety and soundness for our technology partners.
Important OAuth 2.0 Milestone
The following are important Loan Closing Advisor authentication change dates:
| Date | Action |
|---|---|
| June 30, 2025 | Loan Closing Advisor Customer Test Environment (CTE) It’s highly recommended that Loan Closing Advisor users begin testing their OAuth 2.0 authentication in Loan Closing Advisor CTE early and prior to the changes in production. |
| September 30, 2025 | Transition Begins in Loan Closing Advisor Production Users can begin using the OAuth 2.0 authentication prior to the discontinuation of basic authentication mandate on October 3, 2026. |
| October 3, 2026 | Required in Loan Closing Advisor Production On and after October 3, 2026, users must use OAuth 2.0. |
We are implementing OAuth 2.0 authentication in tandem with the UCD v2.0 Specification and UCD critical edits updates to provide users with the opportunity to implement both changes at the same time.
Refer to the Integration with Freddie Mac APIs Best Practices Guide on the Freddie Mac Developer Portal, which provides best practices on how to effectively build and integrate with Loan Closing Advisor’s APIs.
Loan Closing Advisor June Release Notes
Effective June 1, 2025, we updated Loan Closing Advisor® to clarify the text message and edit logic for existing warning message CRE003. Refer to the Loan Closing Advisor June 1 Release Notes.