News & Insights
November 18, 2025
2025 Updates to the Cost to Originate Study
Get the latest on loan production cost trends and how lenders can maximize savings and revenue gains using Loan Product Advisor® digital capabilities. Explore how the tool not only helps reduce costs and streamline operations but also creates new opportunities for both lenders and borrowers.
Industry trends, marketplace dynamics and much more.
Use the filters to find topics of interest or browse all articles to see the full range of available articles and insights.
-
News Articles | May 9, 2018
Get Ready for UCD Changes on June 25, 2018
Review and understand beginning on June 25 2018, the two Loan Selling AdvisorSM edits listed will display as critical when a Uniform Closing Dataset (UCD) XML file and Closing Disclosure PDF are not successfully submitted to Loan Closing Advisor® prior to loan delivery. These changes are specific to Loan Selling Advisor and do not impact the criteria that determines a successful UCD submission in Loan Closing Advisor.
-
Technology Updates | February 26, 2018
ULDD Phase 3 Loan Selling Advisor Updates Deferred Until March 5
We are deferring the Uniform Loan Delivery Dataset (ULDD) Phase 3 updates to Loan Selling Advisor® and Loan Quality Advisor® until March 5, 2018.
-
News Articles | February 21, 2018
Optional ULDD Phase 3 Data Delivery Starts Monday
Starting Monday, February 26, you can deliver Uniform Loan Delivery Dataset (ULDD) Phase 3 data through Loan Selling Advisor®, if you're able to do so.
-
News Articles | January 30, 2018
Important UCD Update
Freddie Mac and Fannie Mae (the GSEs) have been continuously committed to supporting our customers with their adoption of the Uniform Closing Dataset (UCD). This is an important reminder that lenders are required to submit the UCD XML file to the GSEs containing Borrower data for all loans with a Note Date on or after September 25, 2017, and must do so prior to delivery of the loan.
-
News Articles | September 15, 2017
The GSEs Support Your UCD Transition
Freddie Mac and Fannie Mae (the GSEs) have a new approach to enforcing the UCD delivery requirement.
-
News Articles | June 6, 2017
UCD Implementation Update
The GSEs aim to provide clear and accurate UCD requirements to help lenders with their UCD transition. So we are updating and republishing the <em>UCD Delivery Specification</em> and other key resources.
-
News Articles | January 31, 2017
Uniform Closing Dataset Final Specification Update
There's now a six-month relief period for embedding the Closing Disclosure (PDF) within the Uniform Closing Dataset (UCD) XML file.
-
News Articles | November 29, 2013
GSEs Publish ULDD Phase 3 Preview Specification
Fannie Mae and Freddie Mac (the GSEs) are publishing a joint Uniform Loan Delivery Dataset (ULDD) Phase 3 [xls] 'preview' specification to provide lenders and technology vendors with additional time to prepare for their implementation. At the direction of the Federal Housing Finance Agency (FHFA), the GSEs have worked together to identify and align on certain data delivery requirements to support the Consumer Financial Protection Bureau’s (CFPB) rule implementing the “ability to repay” (ATR) provisions of the Truth-in-Lending Act, as amended by the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act).
-
News Articles | August 22, 2013
ULDD Phase 2 Preparation Tips, Specification Update, and More
Our Single-Family News Center article provides you with information on the following: preparing for the Uniform Loan Delivery Dataset (ULDD) Phase 2; ULDD specification updates, including the removal of Appendix E-MISMO Version 3.0 Reference Model with GSE Extensions; Qualified Mortgage requirements; and Fannie Mae's implementation of ULDD Phase 2. As you prepare for ULDD Phase 2, you should now be completing your data point analysis.
-
News Articles | June 27, 2013
Freddie Mac Continues to Support ULDD Phase 2 Implementation on August 25, 2014
Freddie Mac and Fannie Mae announced on December 13, 2012, the Phase 2 ULDD data requirements for all loans with Application Received Dates on or after March 1, 2014, and delivered on or after August 25, 2014. While Fannie Mae recently announced a delay to their timeline for the Phase 2 ULDD implementation in their Loan Delivery system, Freddie Mac is not making changes to the ULDD Phase 2 requirements timeline.