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 November 20, 2025

The Uniform Loan Delivery Dataset (ULDD) revisions webpage is designed to assist you with loan delivery requirement revisions to ULDD since the publication of the last 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

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. ^© 2025 Freddie Mac.