Uniform Loan Delivery Dataset

The Uniform Loan Delivery Dataset (ULDD) supports the work to implement uniform data standards and defines the data that we require at loan delivery based on loan type, loan feature or other business requirements.

Business Resources
Technical Resources
Announcements
Revisions

Business Resources

ULDD data is granular, standardized, and has clear definitions, providing sellers with a common understanding of the meaning of each data point. The result is greater transparency, which helps sellers gain a better understanding of our assessment of mortgage risk and purchase requirements on loans they sell to us.

ULDD Revisions

The ULDD Revisions webpage is designed to assist you with loan delivery requirement revisions to ULDD since the last publication. The revisions include ULDD specification updates and ULDD impacts that were previously communicated in Single-Family Seller/Servicer Guide (Guide) Bulletins. The webpage will be updated periodically.

ULDD Publications

ULDD Phase 4a Updates

Freddie Mac is providing updates to existing ULDD Phase 4a data points (i.e., enumerations, implementation notes, conditionality, and conditionality details).

ULDD Phase 5

The Phase 5 updates add new data points and updates to existing data points to support the Enterprise Credit Score and Credit Reports Initiative, alignment with the new redesigned UAD 3.6 and business critical requirements.

The following resources are available to help you with the implementation of ULDD:

Implementation Timeline

What's New

Additional Resources

Technical Resources

The following resources provide the technical documentation that Freddie Mac-approved Sellers and vendors need to implement Freddie Mac's loan delivery data requirements:

Appendix A

Freddie Mac XML Data Requirements, V.6.1.0 includes updates to ULDD Phase 4a and Phase 5 requirements. Tab Phase 5 Complete consolidates updates with all previous phases. Updated as of May 20, 2025.

Appendix B

Freddie Mac Test Case Scenarios provides common test case scenarios, including Phase 4a and Phase 5 examples, that illustrate how the loan delivery data is translated into MISMO terms – Updated as of Dec. 19, 2023.

Appendix C

Zipped folder containing examples of well-formed XML for each Appendix B Test Case Scenario – Updated as of Dec. 19, 2023.

Appendix D

Freddie Mac XML Data Requirements Reference Tool V.6.1.0, is identical to Appendix A but in Excel format, allowing for easier analysis. Tab Phase 5 Complete consolidates updates with all previous phases. Updated as of May 20, 2025.

Appendix E

Zipped folder containing MISMO 3.0, XLink and ULDD Phase 5 Extension Schema with a visual representation of the extension schema – Updated as of Dec. 19, 2023.

Appendix G

Archived Freddie Mac XML Data Requirements Reference Tool V1.0 containing previous ULDD Phases 1, 2 and 3. Updated as of Sep. 12, 2023.

Freddie Mac ULDD Phase 3 Implementation Guide

The Implementation Guide is intended for use by a Freddie Mac-approved seller or vendor to facilitate the development of the interface between their product and Loan Selling Advisor.

ULDD Job Aid for the Alignment with UAD 3.6

The job aid is intended to guide and assist you with the mapping between the ULDD and the redesigned Uniform Appraisal Dataset (UAD). Updated as of May 20, 2025.

Announcements

2025

May 20, 2025 – ULDD Phase 4a and Phase 5 Updates and Guidance

2023

December 19, 2023 – ULDD Phase 5 Supporting Documentation Updates
September 12, 2023 – ULDD Phase 4a Updates and Phase 5 Specification Release

2022

April 26, 2022 – ULDD Phase 4a Supporting Documentation Updates

2021

December 14, 2021 – ULDD Phase 4a Specification Release
June 8, 2021 – ULDD Updates for CMT-indexed ARMs Retirement, Implementation Notes and Enumerations

2020

December 1, 2020 – Updates to Support ULDD LIBOR to SOFR ARM Index Transition, Condo Delivery and Home Possible^® Mortgage
April 21, 2020 – ULDD Updates Supporting SOFR ARM Index Transition

2019

May 30, 2019 – ULDD Update Further Aligns GSE Specifications
May 14, 2019 – ULDD Phase 3 Announcement
January 10, 2019 – ULDD Phase 3 Reminder

2018

July 10, 2018 – ULDD Phase 3 Update
February 26, 2018 – ULDD Phase 3 Loan Selling Advisor Updates Deferred Until March 5
February 21, 2018 – ULDD Phase 3 Reminder & Updates
January 30, 2018 – ULDD Phase 3 Mandate and Application Received Dates

2017

November 7, 2017 – ULDD Phase 3 Updates and Guidance
June 27, 2017 – ULDD Phase 3 Addendum Updates
March 28, 2017 – ULDD Phase 3 Update Announced

2016

December 13, 2016 – ULDD Phase 3 Announced

2013

November 29, 2013 – GSE Publish ULDD Phase 3 Preview Specification
August 22, 2013 – ULDD Phase 2 Preparation Tips, Specification Update, and More
May 20, 2013 – Preparing for the Phase 2 ULDD

2012

December 13, 2012 – GSEs Publish Phase II ULDD Specification

Uniform Loan Delivery Dataset (ULDD) - Revisions

Most Recent Updates as of February 4, 2026

The Uniform Loan Delivery Dataset (ULDD) revisions revisions webpage is designed to assist you with loan delivery requirement revisions to ULDD since the publication of Appendices A and D on May 20, 2025. These revisions include ULDD specification updates and ULDD impacts that have been previously communicated in the Single-Family Seller/Servicer Guide (Guide) Bulletins.

The information on this webpage will be removed once the revisions have been incorporated into Appendices A and D.

The ULDD revisions are listed in the tables below. These tables identify the communication date and Guide Bulletin number if applicable, Sort ID, Data Point Name, Revision Effective Date, a description of the change, and the ULDD column(s) that have been revised (text being removed will be displayed in ~~red strikethrough~~, text being added will be displayed in blue).

Revised ULDD Data Points

February 4, 2026 – Revision 1

February 4, 2026 – Bulletin 2026-1

Sort ID	Data Point Name	Revision Effective Date	Revision Description	FRE Conditionality Details	Revision for FRE Implementation Notes	Enumerations
333	Loan Amortization Type	May 4, 2026	Construction to Permanent and Renovation Mortgages updates - removed Conditionality Detail (Construction Loan Indicator = "false") and updated Implementation Notes.	IF Sort ID 397-MortgageModificationIndicator = "true"~~AND Sort ID 231-ConstructionLoanIndicator = "false"~~	Values: ◊ For Seller-Owned Modified Mortgage Eenter the amortization type of the original Mortgage prior to modification. ◊ For Construction to Permanent Mortgages or Renovation Mortgages enter the amortization type of the Permanent Financing prior to modification.	AdjustableRate Fixed
404	Loan Program Identifier	May 4, 2026	Construction to Permanent Mortgages update - removed LPI (Construction Conversion).	IF applies	Values: ◊ Enter "EnergyConservation" for Mortgages that finance the purchase of a property that is to be retrofitted, refurbished, or improved with energy conservation components. ~~◊ Enter "ConstructionConversion" for Construction Conversion Mortgages meeting the requirements of Guide Section 4602.3.~~ ◊ Enter "Renovation" for Renovation Mortgages meeting the requirements of Guide Section 4602.3.	See Tab-Enumerations ~~ConstructionConversion~~

February 4, 2026 – Revision 2

February 4, 2026 – Revision 2 – Bulletin 2026-1

Sort ID	Data Point Name	Revision Effective Date	Revision Description	Revision for FRE Implementation Notes
89	Property Valuation Method Type	February 4, 2026	Updated Implementation Notes - replaced appraisal waiver with program identifiers.	Values: Enter the FRE-Supported Enumeration for the method that yielded the value used to calculate the LTV for the delivered loan: ◊ Enter "AutomatedValuationModel" for Home Value Explorer^® (HVE). ◊ Enter “DesktopAppraisal” if a desktop appraisal was used to value the subject property. ◊ Enter "DriveBy" if an exterior-only appraisal was used to value the subject property. ◊ Enter "FullAppraisal" if an interior and exterior inspection appraisal was used to value the subject property. ◊ Enter "None" if Automated Collateral Evaluation (ACE), Property Data Collection, Property Inspection Waiver or Value Acceptance ~~an appraisal waiver~~ was used to originate the Mortgage. ◊ Enter "Other" if a desk review, field review, or hybrid appraisal was used to value the subject property. ◊ Enter the values as instructed in Seller's negotiated terms for all other property valuation method types.
163	Construction To Permanent Closing Feature Type	February 4, 2026	Updated Implementation Notes for Construction to Permanent and Renovation Mortgages.	Definition: This data point is applicable to Construction ~~Conversion~~ to Permanent and Renovation Mortgages only. Values: ◊ Enter "AutomaticConversion" for One-Time Close transaction with automatic conversion ~~Mortgages with Integrated Documentation~~ as described in Guide Section 4602.23(ab). ◊ Enter "Modification Agreement" for One-Time Close transaction with modification agreement ~~Mortgages with Modification Documentation~~ as described in Guide Section 4602.23(b). ◊ Enter "NewNote" for Two-Time Close transaction ~~Mortgages with Separate Documentation~~ as described in Guide Section 4602.3~~(b)~~.
165	Construction To Permanent Closing Type	February 4, 2026	Updated Implementation Notes for Construction to Permanent and Renovation Mortgages.	Definition: This data point is applicable to Construction ~~Conversion~~ to Permanent and Renovation Mortgages only. Values: ◊ Enter "OneClosing" for One-Time Close transactions ~~Mortgages with Integrated Documentation~~ as described in Guide Section 4602.2~~3(b)~~. ◊ Enter "Two Closing" for Two-Time Close transactions ~~Mortgages with Separate Documentation or Modification Documentation~~ as described in Guide Section 4602.3~~(b)~~.
167	Construction To Permanent First Payment Due Date	February 4, 2026	Updated Implementation Notes for Construction to Permanent and Renovation Mortgages.	Definition: ◊ This data point is applicable to Construction ~~Conversion~~ to Permanent and Renovation Mortgages only. ◊ The related Guide Glossary term is "Effective Date of Permanent Financing." Values: Enter values as specified on Tab - Additional Implementation Notes. ◊ Enter the Due Date of the first Principal and Interest Payment of the Permanent Financing from the Note for One-Time Close transaction with automatic conversion ~~for Mortgages with Integrated Documentation~~, as described in Guide Section 4602.2(a)3. ◊ Enter the Due Date of the first Principal and Interest Payment after the modification agreement for One-Time Close transaction with modification agreement ~~of the Note for the Permanent Financing for Mortgages with Separate Documentation~~, as described in Guide Section 4602.2(b)3. ◊ Enter the Due Date of the first Principal and Interest Payment for the Permanent Financing from the Note for Two-Time Close transaction as described in Section 4602.3 ~~after the date of the Modification Agreement, or if a new Note is used, the Due Date of the first Principal and Interest Payment under the new Note for Mortgages with Modification Documentation~~.
231	Construction Loan Indicator	February 4, 2026	Updated Implementation Notes for Construction to Permanent and Renovation Mortgages.	Values: Enter "false" unless the Mortgage is a Construction ~~Conversion~~ to Permanent or Renovation Mortgage.
259	Loan Modification Effective Date	February 4, 2026	Updated Implementation Notes for Construction to Permanent and Renovation Mortgages.	Values: ◊ Enter the effective date of the modification agreement for Seller-Owned Modified Mortgages. ~~◊ Enter the date on which the Construction Conversion or Renovation Modification Agreement was effective. (The related Guide Glossary term is "Effective Date of Permanent Financing.")~~
320	Note Date	February 4, 2026	Updated Implementation Notes for Construction to Permanent and Renovation Mortgages.	Values: Enter values as specified on Tab - Additional Implementation Notes. Enter the original Note Date unless the Mortgage is one of the following: ◊ For Construction ~~Conversion~~ to Permanent Mortgages and Renovation Mortgages: For one-time close transaction with automatic conversion ~~Using Integrated Documentation~~, enter the ~~original~~ Note Date of the One-Time Close transaction ~~Integrated Interim Construction Financing and Permanent Financing documentation~~. For two-time close transaction ~~Separate Documentation~~, enter the Note Date of the Permanent Financing ~~documentation~~. Using Modification Documentation, enter the original Note Date of the Interim Construction Financing documentation, unless a new Note is used instead of a modification agreement, in which case enter the Note Date of the new Note. ◊ For Seller-Owned Modifications this data point is not required. ◊ Enter the date of GreenCHOICE Mortgage^® funding and not the anticipated date of final disbursement of the Escrow Funds.
321	Note Rate Percent	February 4, 2026	Updated Implementation Notes for Construction to Permanent and Renovation Mortgages.	Values: Enter the original interest rate as indicated on the Note unless the Mortgage is one of the of the following: ◊ For subsidy buydown Mortgages, enter the rate shown on the Note (without reference to the temporary buydown subsidy). ◊ For financed permanent buydown Mortgages, enter the permanently bought down initial Note Rate. ◊ For Construction ~~Conversion~~ to Permanent and Renovation Mortgages, enter the rate ~~in effect~~ for the Permanent Financing. ◊ For Seller-Owned Modified Mortgages, enter the rate in effect after modification. Format: The only reasonable values supported at this time are restricted to a format of Percent 3.3.
332.1	Adjustment Rule Type	May 4, 2026	Updated Implementation Notes for Construction to Permanent and Renovation Mortgages.	Parent Container: Provide 2 INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE Containers: ◊ One with AdjustmentRuleType = "First" to describe the Initial Period and Initial Caps of the original Mortgage / Permanent Financing prior to modification; and ◊ One with AdjustmentRuleType = "Subsequent" to identify the periodic adjustment structure and Periodic Caps of the original Mortgage / Permanent Financing prior to modification.
337.1	Initial Fixed Period Effective Months Count	May 4, 2026	Updated Implementation Notes for Construction to Permanent and Renovation Mortgages.	Definition: The related Guide Glossary term is "Initial Period." Values: ◊ For Seller-Owned Modified Mortgage Eenter the Initial Period of the original Mortgage prior to modification. ◊ For Construction to Permanent Mortgages or Renovation Mortgages enter the Initial Period of the Permanent Financing prior to modification.
338	Loan State Date	February 4, 2026	Updated Implementation Notes for Construction to Permanent and Renovation Mortgages.	Values: ◊ For Seller-Owned Modified Mortgage Eenter the original Note Date of the modified Mortgage. ◊ For Construction ~~Conversion~~ to Permanent or Renovation Mortgages ~~with Modification Documentation~~, enter the Note Date of the Mortgage prior to modification Interim Construction Financing documentation.
345	Lien Priority Type	February 4, 2026	Updated Implementation Notes for Construction to Permanent and Renovation Mortgages.	Values: ◊ For Seller-Owned Modified Mortgage Eenter the original lien priority of the Mortgage prior to modification. ◊ For Construction ~~Conversion~~ to Permanent or Renovation Mortgages ~~with Modification Documentation~~, enter the lien priority of the Mortgage prior to modification Interim Construction Financing documentation.
349	Note Amount	February 4, 2026	Updated Implementation Notes for Construction to Permanent and Renovation Mortgages.	Values: ◊ For Seller-Owned Modified Mortgage Eenter the original Note amount of the Mortgage prior to modification. ◊ For Construction ~~Conversion~~ to Permanent or Renovation Mortgages ~~with Modification Documentation~~, enter the Note amount of the Mortgage prior to modification ~~Interim Construction Financing documentation~~ .
350	Note Date	February 4, 2026	Updated Implementation Notes for Construction to Permanent and Renovation Mortgages.	Values: ◊ For Seller-Owned Modified Mortgage Eenter the original Note Date. ◊ For Construction ~~Conversion~~ to Permanent or Renovation Mortgages ~~with Modification Documentation~~, enter the ~~original~~ Note Date of the Mortgage prior to modification ~~Interim Construction Financing documentation~~.
397	Mortgage Modification Indicator	February 4, 2026	Updated Implementation Notes for Construction to Permanent and Renovation Mortgages.	Values: Enter "false" unless the Mortgage is a: ◊ Seller-Owned Modified Mortgage, ◊ ~~Construction Conversion with Modification Documentation~~ One-Time Close Construction to Permanent Mortgage with a modification agreement,or ◊ One-Time Close Renovation Mortgage with a Modification agreement ~~Documentation~~.

October 1, 2025

October 1, 2025 – Bulletin 2025-13

Sort ID	Data Point Name	Revision Effective Date	Revision Description	FRE Conditionality Details	Revision for FRE Implementation Notes
157	Other Funds Collected At Closing Amount	January 1, 2026	Updated Conditionality Details and Implementation Notes to include Escrow Indicator and Co-Issue XChange^® where All-in Funding is enabled. November 20, 2025 - Updated FRE Conditionality Details to include Buydown Temporary Subsidy Indicator and removed prepaids from the Definition.	IF [(Sort ID 234-EscrowIndicator = "true" OR Sort ID 228-BuydownTemporarySubsidyIndicator ="true") AND (Mortgage is delivered through Cash-Released XChange^®^SM ~~AND other funds are collected at closing~~ OR Co-Issue XChange^® where All-in Funding is enabled)]	Definition: This data point captures the total amount of buydown~~, prepaids,~~ or escrow item funds collected. Values: Enter values as specified on Tab - Additional Implementation Notes. Format: If the OtherFundsCollectedAtClosingAmount ≤ "0.99" enter "1.00." Values: For Mortgages sold through Cash-Released XChange^®^SM or Co-Issue XChange^® where All-in Funding is enabled, when OtherFundsCollectedAtClosingType equals: "EscrowFunds", enter the total amount of any Escrow funds collected at closing. "Other" and OtherFundsCollectedAtClosingTypeOtherDescription = "Buydown", enter the amount provided to subsidize the Borrower's interest rate on the Mortgage for the remaining time during which the lower interest rate applies.
158	Other Funds Collected At Closing Type	January 1, 2026	Updated Implementation Notes to include Co-Issue XChange^® where All-in Funding is enabled.	IF Sort ID 157-OtherFundsCollectedAtClosingAmount ≥ "1"	Values: ~~Enter values as specified on Tab - Additional Implementation Notes~~. For Mortgages sold through Cash-Released XChange^®^SM or Co-Issue XChange^® where All-in Funding is enabled: Enter "EscrowFunds" if an Escrow account was established for the Mortgage at closing. Enter "Other" if there is a temporary subsidy buydown balance on the Mortgage at closing.
247	Credit Score Impairment Type	January 1, 2026	Updated Conditionality Details to include Co-Issue XChange^® where All-in Funding is enabled.	IF Sort ID 251-LoanLevelCreditScoreValue does not exist AND [(Sort ID 326-AutomatedUnderwritingSystemType <> "LoanProspector") OR (Sort ID 326- AutomatedUnderwritingSystemType = "Other" AND Sort ID 327-AutomatedUnderwritingSystemTypeOtherDescription <> “LoanProductAdvisor”) OR (Sort ID 328-LoanManualUnderwritingIndicator = "true") OR (Mortgage is delivered through Cash-Released XChange^®^SM OR Co-Issue XChange^® where All-in Funding is enabled)]	Values: Enter if the Indicator Score does not exist or is not usable.
251	Loan Level Credit Score Value	January 1, 2026	Updated Conditionality Details to include Co-Issue XChange^® where All-in Funding is enabled.	IF Sort ID 247-CreditScoreImpairmentType does not exist AND Sort ID 611-PartyRoleType = "Borrower" AND (Either Sort ID 545-LegalEntityType does not exist OR Sort ID 546- LegalEntityTypeOtherDescription = "LivingTrust") AND [(Sort ID 326- AutomatedUnderwritingSystemType <> "LoanProspector") OR (Sort ID 326- AutomatedUnderwritingSystemType = "Other" AND Sort ID 327- AutomatedUnderwritingSystemTypeOtherDescription <> “LoanProductAdvisor”) OR Sort ID 328- LoanManualUnderwritingIndicator = "true") OR (Mortgage is delivered through Cash-Released XChange^®^SM OR Co-Issue XChange^® where All-in Funding is enabled)]	Definition: The related Guide Glossary term is "Indicator Score." Values: Enter if the Indicator Score exists.
363	Escrow Balance Amount	January 1, 2026	Updated Conditionality Details and Implementation Notes to include Co-Issue XChange^® where All-in Funding is enabled.	IF [Sort ID 234-EscrowIndicator = "true" AND (Mortgage is delivered through Cash-Released XChange^®^SM OR Co-Issue XChange^® where All-in Funding is enabled)] OR IF applies	Values: For Mortgages with Escrow accounts sold through Cash-Released XChange^®^SM or Co-Issue XChange^® where All-in Funding is enabled, enter the Escrow balance amount. For Concurrent Transfer of Servicing (CTOS) Mortgages with Escrow accounts, enter the Escrow balance amount. For GreenCHOICE Mortgages^®, enter the Escrow balance amount sufficient to cover the cost of the eligible improvements.
366	Escrow Monthly Payment Amount	January 1, 2026	Updated Conditionality Details to include Co-Issue XChange^® where All-in Funding is enabled.	IF Sort ID 234-EscrowIndicator = "true" AND ( ~~loan~~Mortgage is delivered through Cash-Released XChange^®^SM OR Co-Issue XChange^® where All-in Funding is enabled)	Values: Enter the amount for the associated EscrowItemType. Format: If the EscrowMonthlyPaymentAmount ≤ "0.99" enter "1.00."

This information is not a replacement or substitute for the requirements in the Freddie Mac Single-Family Seller/Servicer Guide or any other contractual agreements. This information does not constitute an agreement between Freddie Mac and any other party. ^© 2026 Freddie Mac.