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Uniform Residential Loan Application & Uniform Loan Application Dataset

URLA and ULAD Business Resources

Uniform Mortgage Data Program

The goal of the Uniform Mortgage Data Program® (UMDP®) is to implement standard datasets that make it easier for industry to exchange information with Freddie Mac and Fannie Mae (the GSEs) and to share data among various stakeholders within the industry. To that end and in collaboration with industry partners and government agencies, the GSEs have:

  • Redesigned the Uniform Residential Loan Application (URLA) (Freddie Mac Form 65 / Fannie Mae Form 1003)
  • Created a corresponding standardized data mapping – the Uniform Loan Application Dataset (ULAD) Mapping Document, which ties each data field on the URLA to equivalent data point(s) in the Mortgage Industry Standards Maintenance Organization’s Reference Model Version 3.4 (MISMO v3.4). ULAD is not a specification but can be used to familiarize organizations with the standard MISMO terms used to support the URLA.
  • Updated their automated underwriting system (AUS) datasets to support the URLA and leverage the MISMO standard. Because each GSE uses URLA data to assess loan file submissions against their individual credit policies, Freddie Mac and Fannie Mae will continue to maintain separate AUS data specifications.

Supplemental Consumer Information Form (Form 1103)

For new conventional loans sold to the GSEs on or after March 1, 2023, the Supplemental Consumer Information Form (SCIF/Form 1103) will be a required document in the loan file, as announced in Single-Family Seller/Servicer Guide Bulletin 2022-15. Any data provided on the SCIF must also be included in the Loan Product Advisor submission file.

The SCIF is also available in Spanish, traditional Chinese, Vietnamese, Korean and Tagalog on our multi-language resources web page to help lenders serve borrowers with limited English proficiency.

Loan Product Advisor v5.n Data Specifications

For lenders and prospective software partners interested in submitting files to Loan Product Advisor, we are pleased to provide the Loan Product Advisor v5.3.00 Request Requirements for your review. These requirements provide you with the information needed to assess the data needed to obtain underwriting from Loan Product Advisor.  If you are interested in integrating with Loan Product Advisor, please contact your integration representative or email [email protected].

If you are an approved Freddie Mac seller that requires access to the complete set of updated Loan Product Advisor v5.3.00 System-to-System Specifications, please contact your Freddie Mac representative or the Customer Support Contact Center (800-FREDDIE).


NOTE: The term “realtor” appears in Section 5: Declarations (5a.C.) of the Uniform Residential Loan Application (1/2021). REALTOR® is a registered service mark of the National Association of REALTORS® (NAR). Only members of NAR may call themselves REALTORS®. This term will be removed when the form is next updated and replaced with “real estate agent” or other similar term.

Technical Resources

Loan Product Advisor Specification v5.n and the URLA-supporting ULAD Mapping Document are based on the MISMO v3.4 Reference Model. In order to map every field on the URLA to a data point(s), the GSEs have added any missing data points to MISMO v3.4 following MISMO’s guidelines, creating a supplementary schema (ulad.xsd) that is used in conjunction with the standard MISMO v3.4 schema files.

The Loan Product Advisor Technical Specification v5.n includes a subset of the ULAD data points along with some proprietary data points to support Freddie Mac underwriting policies. These data points are identified in a second supplementary schema (lpa.xsd), which also is to be used with the standard MISMO v3.4 schema and the ulad.xsd.

The following Loan Product Advisor resources for v5.n provides the technical documentation needed to translate the URLA data into the format required for submission via Loan Product Advisor.

The ULAD Mapping Document is a useful analysis tool for beginning to understand how MISMO v3.4 data supports the URLA. It should be used in conjunction with the Numbered Form 65-Borrower Information, Lender Loan Information and Unmarried Addendum forms, because these URLA form components include field IDs included in red on each form field. The field IDs are a key cross-reference used not only in the ULAD Mapping Document but also in both GSE’s AUS specifications.

An additional resource for implementers who are not familiar with MISMO v3.4’s use of the xlink function is also provided. This document explains how to relate different loan application line items and provides XML examples from Loan Product Advisor.