Uniform Closing Dataset

The Uniform Closing Dataset (UCD) is a common industry dataset that allows information on the Consumer Financial Protection Bureau’s (CFPB’s) Closing Disclosure to be communicated electronically. It was developed by Freddie Mac and Fannie Mae (the GSEs) at the direction of the Federal Housing Finance Agency (FHFA).

Read the March 27, 2025 announcementpdf for more information.

What's New

Additional Resources

UCD Resources

UCD Reference Materials

Loan Closing Advisor Release Notes

Archived Loan Closing Advisor Release Notes can be found on the Technology Release Archive webpage.

UCD v1.5 Specification Resources

Closing Disclosure with Reference Numbers pdf

To support the UCD, the GSEs have published sample numbered Closing Disclosure forms with red “Form Field IDs” superimposed by each field.

UCD v1.5 Implementation Guide pdf

UCD Implementation Guide, Version 1.3 (UCD I-Guide) was created by the GSEs solely to help users understand and implement the Uniform Closing Dataset (UCD).

UCD v1.5 Sample CDszip

Download the zipped folder to see sample use cases for Non-Seller ARM Interest-Only, Non-Seller ARMs, Non-Seller Fixed, Purchase ARMs, Purchase Fixed, and Split Disclosure.

UCD v1.5 Samples XML Fileszip

Zipped folder containing MISMO 3.3.0, NonSeller ARM, Non-Seller ARM IO, Non-Seller Fixed, Purchase ARM, Purchase Fixed, and Split Disclosure Fixed

UCD v1.5 Specification xls

Fannie Mae and Freddie Mac (the GSEs), under the direction of the Federal Housing Finance Agency (FHFA), have developed a common industry dataset, called the Uniform Closing Dataset (UCD), to support the Consumer Financial Protection Bureau’s (CFPB) Closing Disclosure.

The UCD v1.5 Critical Edits Matrix - UPDATEDxlsx

A joint document developed by Freddie Mac/Fannie Mae with datapoints and associated datapoints categorized by implementation phases.

UCD v2.0 Specification Resources

UCD v2.0 Specification Revised 1 March 27, 2025 – UPDATEDxlsx

The GSEs published the Uniform Closing Dataset v2.0 Specification (UCD v2.0) to provide clearer UCD XML file requirements to help sellers improve data quality. The UCD v2.0 incorporates all requirements documented in previously published UCD Impact Memos, the UCD Critical Edits Matrix and other resources.

UCD v2.0 Implementation Guidepdf

Provides guidance on how to successfully implement UCD v2.0 and scenarios where users may need additional illustration.

UCD v2.0 Specification Quick Start Guide pdf

Provides a high-level overview of the key UCD v2.0 Specification changes.

UCD EXTENSION Schema - UPDATEDzip

Specifies the data points in the ucd:FEE_DETAIL_EXTENSION container.

UCD v2.0 Validation Schema – UPDATEDzip

Contains only those MISMO v3.3.0 data points and EXTENSIONs specified in UCD v2.0 to enable software providers and custom lenders to test the formation of their UCD XML files prior to delivery to the GSEs’ test environments.

UCD v2.0 Sample CDszip

Download the zipped folder to see sample use cases for Purchase Fixed, Purchase ARM, Refinance Fixed, Refinance ARM on the Model Form and Construction to Permanent Refinance.

UCD v2.0 Samples XML Fileszip

Zipped folder containing MISMO 3.3.0, Purchase Fixed, Purchase ARM, Refinance Fixed, Refinance ARM on the Model Form and Construction to Permanent Refinance

The UCD v2.0 Critical Edits Matrix - NEWxlsx

A joint document developed by Freddie/Fannie with datapoints and associated datapoints categorized by implementation phases.

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