Uniform Mortgage Data Program

Separator image The Uniform Mortgage Data Program® (UMDP®) is an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of their regulator, the Federal Housing Finance Agency, to enhance data quality and standardization.

What is UMDP?

Related Applications

New Initiatives

  • Electronic Note (eNote) Specification for eMortgages

    Fannie Mae and Freddie Mac have jointly developed a new specification to support the delivery of eNotes to the GSEs. The new eNote version will comply with MISMO 3.0 and offer improved functionality and greater clarity. The GSEs anticipate accepting eNotes in the new format starting in Q2 2018.

Existing Initiatives

  • Uniform Closing Dataset (UCD)

    The UCD is an ongoing effort by Fannie Mae and Freddie Mac to provide a common industry dataset to support the Consumer Financial Protection Bureau’s (CFPB) Closing Disclosure.

  • Uniform Collateral Data Portal (UCDP)

    The UCDP is a technology application through which lenders electronically submit appraisal reports for conventional mortgages to be delivered to Fannie Mae or Freddie Mac.

  • Uniform Appraisal Dataset (UAD)

    The UAD was jointly established by Fannie Mae and Freddie Mac to provide common requirements for appraisal data.

  • Uniform Loan Delivery Dataset (ULDD)

    The ULDD was jointly established by Fannie Mae and Freddie Mac to provide common requirements for loan delivery data.

  • Uniform Residential Loan Application (URLA)

    Fannie Mae and Freddie Mac revised and redesigned the URLA and developed a corresponding standardized dataset, the Uniform Loan Application Dataset (ULAD). The revised URLA form provides lenders and borrowers with greater clarity and an easier, more consumer-friendly loan application.

What's New

  • New eNote Specification

    Offering improved functionality and greater clarity to support delivery of eNotes for eMortgages.

  • ULDD Phase 3 Implementation Update

    The GSEs have announced minor updates to the ULDD Phase 3 specification as well as our implementation dates for the collection of the new HMDA data. Loan Delivery will accept this data for delivery as of Dec. 18.

Frequently Asked Questions

Upcoming Milestones

Stay on course with upcoming news and timelines.

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