Uniform Residential Loan Application

The GSEs redesigned the Uniform Residential Loan Application (Form 1003), developed a corresponding Uniform Loan Application Dataset, and created a new Desktop Underwriter Specification (DU Spec) for submitting the redesigned Form 1003 data to DU. These documents support changes in mortgage industry credit, underwriting, eligibility policies, and regulatory requirements.

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What's New

Title Date & Summary
Updated DU Spec and URLA (Form 1003) resources February 26, 2019 - We’ve published the final DU Specification of the test period, along with other updated resources supporting the redesigned Uniform Residential Loan Application (URLA/Form 1003).
New and updated DU Spec resources supporting the redesigned Form 1003 January 17, 2019 - We have added and updated resources to facilitate implementation of the new DU Spec supporting the redesigned Form 1003.
Getting Started with the Redesigned 1003 July 31, 2018 - In this eLearning, we breakdown the 1003 Borrower Information form and the 1003 Lender Loan Information form.

Redesigned Form 1003

Interactive URLA Form

Dynamic Form 1003

Redesigned Form 1003 Supporting Documents

Helpful Information about Form 1003

Spanish Translation Aid to Form 1003

These non-executable URLA forms are translated in Spanish to assist borrowers in completing them.

URLA Timeline

Stay on track with the latest implementation dates.

Form 1003 Sample Applications

Frequently Asked Questions

DU Spec

The DU Spec is the new data submission file based on the redesigned Form 1003. This specification, which leverages MISMO V3.4, and other supporting information for DU loan submission files can be found on the Technology Integration Page.

Demographic Information Addendum

Use the addendum below with the current URLA (Form 1003) to collect expanded Home Mortgage Disclosure Act (HMDA) demographic information (used in lieu of the redesigned URLA).

Current Form 1003

Additional Supporting Documents

The ULAD is the mapping of the data fields on the redesigned Form 1003 to the MISMO v3.4 dataset. The DU Specification document on the Technology Integration Page contains the conditionality, cardinality, and business requirement updates for implementing the redesigned Form 1003 in DU.

Numbered Form 1003

These numbered forms are supporting documents for the implementation of the redesigned Form 1003 and DU Specification. They identify the relationship between the 1003 fields on the forms and the data.