Introducing the New URLA

A new redesigned version of the Uniform Residential Loan Application (URLA), also known as the Fannie Mae 1003 or the Freddie Mac Form 65, is replacing the 2009 version of the URLA effective March 1, 2021. Lenders have the option to begin testing their new workflow and applications using the new form during the optional use phase provided by the GSEs. The redesigned URLA makes it easier for lenders to collect information required by the Home Mortgage Disclosure Act (HMDA) and to incorporate additional application information identified under the URLA/ULAD initiative. The redesigned URLA temporarily replaces the old FNMA 3.2 flat file data format with a new FNMA 3.4 MISMO XML data format.

URLA 2020 Guides and Resources

Encompass Consumer Connect URLA Resources:

• New URLA in Encompass Consumer Connect

• Setting the URLA 2020 Effective Date - Action Required

• Testing URLA 2020 Application Workflows

• Encompass Consumer Connect URLA 2020 Field Guide

• Frequently Asked Questions About New URLA on page 1

• URLA 2020 Known Issues and Usage Notes

General URLA Resources

• I ❤ URLA Page

• URLA Support Resource Center Page

• URLA Release Notes for Encompass Products