Uniform Residential Loan Application

The GSEs redesigned the Uniform Residential Loan Application (URLA), developed a corresponding Uniform Loan Application Dataset (ULAD), and created a new Desktop Underwriter Specification. These documents support changes in mortgage industry credit, underwriting, eligibility policies, and regulatory requirements.

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Related Applications

We are honored to share that the interactive version of our redesigned URLA has won a 2017 ClearMark Award of Distinction from the Center for Plain Language. The redesign – the first in more than two decades – aimed to provide greater clarity as well as an easier, more consumer-friendly loan application experience. This ClearMark award, which recognizes the best plain language communication written for consumers, proves that it did just that.

URLA Announcements

Title Date & Summary
URLA Implementation Timeline Update September 26, 2017 - Announces the implementation timeline for using the redesigned URLA and related Desktop Underwriter Specification.
DU and EarlyCheck Origination File Support for the URLA Demographic Information Addendum March 28, 2017 - Describes the new Home Mortgage Disclosure Act (HMDA) rule that requires lenders to collect new and amended borrower demographic information on loan applications taken on or after January 1, 2018.

Getting Started with Redesigned URLA Form

Interactive URLA Form

Dynamic URLA Form

Spanish Translation Aid to URLA Form

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

Sample Applications

What's New

  • Timeline Announced for the Redesigned URLA

    The implementation timeline for using the redesigned URLA and related DU Specification has been announced. Lenders may begin using the new form as of July 1, 2019, and will be required to use it beginning in Feb. 2020 for all new loan applications.

Frequently Asked Questions

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).

Technical Resources