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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

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 page will be updated periodically.

September 12, 2023 - ULDD Publication

ULDD Phase 4a Update

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

Timeline

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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:

Announcements

2023

2022

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

2018

2017

2016

2013

2012

  • December 13, 2012 – GSEs Publish Phase II ULDD Specification
  • July 20, 2012 – Guide Bulletin 2012-15 Announcement and ULDD Reminders
  • March 23, 2012 – Prepare for April 23 Loan Selling Advisor Update
  • February 17, 2012 – Take Full Advantage of the Loan Selling Advisor CTE Now

Uniform Loan Delivery Dataset (ULDD) - Revisions

Most Recent Updates as of March 12, 2024

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 September 12, 2023. 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

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  • March 6, 2024

    March 6, 2024 - Bulletin #2024-3

    Sort IDData Point NameRevision Effective DateRevision DescriptionRevision for FRE Implementation NotesRevision for FRE-Supported Enumerations
    83Property Valuation Amount03/06/2024Updated Implementation Notes.

    Values: 

    • If an appraisal has been obtained, enter the appraised value.
    • If Automated Collateral Evaluation (ACE) or ACE+ PDR was offered and accepted by the Seller, enter the Purchase Price for a purchase transaction or the estimated value used to underwrite the loan for a refinance transaction.
    • Enter the value that was used to calculate the LTV for the delivered loan.
    • Enter the value as instructed in Seller's negotiated terms as applicable.
     
    292Total Monthly Proposed Housing Expense Amount03/06/2024Updated Implementation Notes for ARMs.

    Values:

    • Enter the sum of the monthly charges for all Borrowers' Primary Residences (regardless of property usage type) as described in Guide Section 5401.1. Round to the nearest dollar.
    • For ARMs, enter the monthly housing expense debt payment calculated using the monthly housing expense determined using the Mortgage payment the Borrower is making at the time the Seller delivers the Mortgage. Round to the nearest dollar.
    • For second home or Investment Property Mortgages, enter the housing expense for all Borrowers' Primary Residences, not the housing expense of the subject property. Round to the nearest dollar.
    • For subsidy buydown Mortgages, enter the monthly housing expense calculated using the Mortgage payment the Borrower is making at the time the Seller delivers the Mortgage. Round to the nearest dollar.
    • For financed permanent buydown Mortgages, calculate using the initial P&I payment amount at the permanently bought down Note Rate. Round to the nearest dollar.
       
     
    376Investor Collateral Program Identifier09/04/2024Removed Enumeration - Property Inspection Alternative.

    Values:

    Enter "PropertyInspectionAlternative" OR "AutomatedCollateralEvaluation" OR "PropertyDataCollection" if assessed through Loan Product Advisor® (LPA) and permitted by LPA.
    Enter "PropertyInspectionWaiver" OR "ValueAcceptance" if permitted by Seller's negotiated term.

    AutomatedCollateralEvaluation
    PropertyDataCollection
    PropertyInspectionAlternative
    PropertyInspectionWaiver
    ValueAcceptance
  • February 16, 2024

    February 16, 2024 - Loan Selling Advisor Announcement

    Sort IDData Point Name Revision Effective Date Revision DescriptionRevision for FRE Conditionality Details

    77

    Bedroom Count

    06/03/2024

    Updated Conditionality Details to include Sort ID 90 (Other Description) for Hybrid Appraisal.IF [(Sort ID 89-PropertyValuationMethodType = "FullAppraisal" OR Sort ID 90-PropertyValuationMethodTypeOtherDescription = "HybridAppraisal") ] AND (Sort ID 69-PropertyUsageType = "Investment" OR Sort ID 57-FinancedUnitCount > "1")

    78

    Property Dwelling Unit Eligible Rent Amount

    06/03/2024

    Updated Conditionality Details to include Sort ID 90 (Other Description) for Hybrid Appraisal.IF (Sort ID 89-PropertyValuationMethodType = "FullAppraisal" OR Sort ID 90-PropertyValuationMethodTypeOtherDescription = "HybridAppraisal") AND (Sort ID 69-PropertyUsageType = "Investment" OR Sort ID 57-FinancedUnitCount > "1")

    430.1

    MI Interest Rate Adjustment Percent

    07/28/2025

    Updated Conditionality Details to require the data point when MI premium source is Lender and delivery for Investor when available.IF [(Sort ID 426-MIPremiumSourceType = "Lender" OR (Sort ID 427-MIPremiumSourceTypeOtherDescription = "Investor") AND Sort ID 430.2-MIPremiumPlanType = "Monthly"] OR [(Sort ID 430.2-MIPremiumPlanType = "Single" OR "Split") AND IF Available)]

    430.2

    MI Premium Plan Type

    07/28/2025

    Updated Conditionality Details to require the data point when MI Certificate Identifier exists and delivery for Investor when available.IF Sort ID 412-MICertificateIdentifier exists OR (Sort ID 430-PrimaryMIAbsenceReasonTypeOtherDescription = "NoMIBasedOnInvestorRequirements" 427-MIPremiumSourceTypeOtherDescription = "Investor" AND IF Available)
  • February 16, 2024

    February 16, 2024 - Loan Selling Advisor Announcement

    Sort IDData Point NameRevision Effective Date Revision DescriptionRevision for FRE Implementation Notes

    89

    Property Valuation Method Type

    06/03/2024

    Added Hybrid Appraisal to the “Other” Implementation Note.

    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 an appraisal waiver was used to originate the Mortgage.
      Enter "Other" if a desk review, or 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.
       

    598.1

    Intent To Occupy Type

    07/28/2025

    Updated Implementation Notes to remove first-time homebuyer reference.

    Definition: The URLA section reference is 5a, About this Property and Your Money for this Loan.
    Values: 

    • Enter "Yes” if the property will be occupied as the Borrower's is a first-time homebuyer of the primary residence, or if applies.
    • Enter "No” if the property will not be occupied as the Borrower’s primary residence.
  • December 6, 2023

    December 6, 2023 – Bulletin #2023-24

    Sort IDData Point NameRevision Effective DateRevision DescriptionRevision for FRE Implementation Notes

    42

    Project Classification Identifier

    12/08/2023

    Updated note in Additional Implementation Notes.Enter “ExemptFromReview” for Freddie Mac-owned “no cash-out” refinance Condominium Unit Mortgages, Refi Possible® Mortgages, Mortgages secured by Detached Condominium Units, or by Condominium Units in 2- to 4- Unit Condominium Projects, OR if applies. See Guide Section 5701.7or 5701.10.

    244.1

    Energy Improvement Amount

    12/06/2023

    Updated Implementation Notes.

    Values: 

    • Enter the cost of the energy efficiency eligible improvements as described in Guide Section 4606.1(c) or the amount to payoff energy efficiency  an Existing dDebt (as defined in Guide Section 4606.1(a)).
    • The amount entered must be greater than "0" (zero).

    293

    Refinance Cash Out Amount

    12/06/2023

    Added additional Guide sections for GreenCHOICE Mortgages® and CHOICERenovation® Mortgages.

    Format: Enter as a positive number.
    Values: 

    • Enter the Note Amount (Sort ID 319) minus the following amounts paid with the proceeds of the refinanced Mortgage:
      • Existing first lien (including prepayment penalty)
      • The amount paid on any subordinate liens secured by the Mortgaged Premises that were used in their entirety to purchase the subject property
      • Closing Costs 
      • The outstanding balance of a land contract or contract for deed, per the requirements of Guide Section 4404.1
      • A Property Assessed Clean Energy (PACE) or PACE-like obligation, per the requirements of Guide Section 4301.8
      • For GreenCHOICE Mortgages® Tthe eligible energy and/or water efficiency improvements, per the requirements of Guide Sections 4606.1(c) and 4606.4
      • For CHOICERenovation®SM Mortgages, the eligible renovations per the requirements of Guide Sections 4607.6 and 4607.8(b)

    363

    Escrow Balance Amount

    12/06/2023

    Updated Implementation Notes for GreenCHOICE Mortgages®.

    Values:

    • For Mortgages with Escrow accounts sold through Cash-Released XChangeSM, enter the Escrow balance amount.
    • For Concurrent Transfer of Servicing (CTOS) Mortgages with Escrow accounts, enter the Escrow balance amount. 
    • For GreenCHOICE Mortgages®SM, enter the Escrow balance amount sufficient to cover the cost of the eligible energy and/or water efficiency improvements.
     
  • October 4, 2023

    October 4, 2023 - Bulletin #2023-19

    Sort IDData Point NameRevision Effective DateRevision DescriptionRevision for FRE Implementation Notes

    290

    Total Liabilities Monthly Payment Amount

    10/04/2023

    Added Implementation Notes for ARMs.

    Values: 

    • Enter the monthly debt payment as defined in Guide Section 5401.2. Round to the nearest dollar.
    • For ARMs, enter the monthly debt payment calculated using the monthly housing expense determined using the Mortgage payment the Borrower is making at the time the Seller delivers the Mortgage. Round to the nearest dollar.
    • For subsidy buydown Mortgages, enter the monthly debt payment calculated using the monthly housing expense determined using the Mortgage payment the Borrower is making at the time the Seller delivers the Mortgage. Round to the nearest dollar.
    • For Mortgages for which the Borrower uses credit card, cash advance, or unsecured line of credit to pay fees, enter the monthly debt payment as defined in Guide Section 5401.2, including the amount charged or advanced when it is included in the Borrower's total outstanding debt. Round to the nearest dollar.

    292

    Total Monthly Proposed Housing Expense Amount

    10/04/2023

    Added Implementation Notes for ARMs.

    Values: 

    • Enter the sum of the monthly charges for all Borrowers' Primary Residences (regardless of property usage type) as described in Guide Section 5401.1. Round to the nearest dollar.
    • For ARMs, enter the monthly debt payment calculated using the monthly housing expense determined using the Mortgage payment the Borrower is making at the time the Seller delivers the Mortgage. Round to the nearest dollar.
    • For second home or Investment Property Mortgages, enter the housing expense for all Borrowers' Primary Residences, not the housing expense of the subject property. Round to the nearest dollar.
    • For subsidy buydown Mortgages, enter the monthly housing expense calculated using the Mortgage payment the Borrower is making at the time the Seller delivers the Mortgage. Round to the nearest dollar.
    • For financed permanent buydown Mortgages, calculate using the initial P&I payment amount at the permanently bought down Note Rate. Round to the nearest dollar.
     

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. © 2024 Freddie Mac.