URLA Support

A redesigned version of the Uniform Residential Loan Application (URLA), also known as the Fannie Mae form 1003 or the Freddie Mac form 65, is replacing the 2009 version of the URLA effective March 1, 2021. In addition, a new corresponding MISMO v3.4 dataset a.k.a. the Uniform Loan Application Dataset (ULAD) is also being introduced in conjunction with this newly designed URLA. The URLA is required for lenders to originate loans eligible for sale on the secondary market and to satisfy the safe harbor requirements of the Equal Credit Opportunity Act (ECOA).

The redesigned 2020 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 output form has a similar look and feel to the Loan Estimate and Closing Disclosure forms implemented in 2015 and was designed to provide a better experience for borrowers by providing clear instructions in language that is easy to understand.

Our goal is to make sure our customers and our software are ready for the upcoming changes. While we can’t advise you on how to manage compliance in your own organization, we can make sure you have the tools and resources you need to be ready when the revised regulation takes effect.



Help Topic: 1003 Part 1

Help Topic: 1003 Part 2

Help Topic: 1003 Part 3

Help Topic: 1003 Part 4

Help Topic: 1003 URLA Continuation Sheet

Help Topic: 1003 URLA - Lender

Encompass Guide to the New URLA

DU/LPA MISMO 3.4 ULAD Mapping Guide (Available as Knowledge Article Number 000029338 in the Resource Center)

Encompass Known Issues for New URLA Loans (Downloadable MS Excel file) (May 03, 2021)

Submitting URLA 2020 Loans to DU

Submitting URLA 2020 Loans to LPA

Freddie Mac Loan Product Advisor® Known Issues for URLA 2020 Loans

Velocify Get Ready for URLA 2020 Guide

New URLA Release Notes
A single location where you can read the release notes about new URLA forms and features in Encompass, Encompass Consumer Connect, and other products.

Encompass Administrator Checklist for New URLA
A checklist of Encompass settings that the administrator can follow as they review their company configurations and adjust the highlighted settings to support the policies and procedures they use when working with the 1003 URLA.

Resource Links


1003 URLA Part 1 (11:26)
Use the 1003 URLA Part 1 to enter personal information about the borrower, including the borrower’s name, marital status, dependents, contact information, addresses, military service, and language preference.

1003 URLA Part 2 (6:50)
Use the 1003 URLA Part 2 to enter borrower income, including employment, self-employment, and other income, enabling the lender to underwrite the loan to GSE guidelines.

1003 URLA Part 3 (5:55)
Use the 1003 URLA Part 3 to enter borrower assets, liabilities, expenses, and information about properties owned by the borrower.

1003 URLA Part 4 (6:49)
Use the 1003 URLA Part 4 to complete loan and property information, declarations, acknowledgments and agreements, demographic information, and loan originator information.

1003 URLA Lender and Continuation Sheet (8:11)
The 1003 URLA – Lender input form is used by loan officers, administrators, and underwriters. Much of the content on the input form flows in from other input forms, calculations, or templates. Use the Continuation Sheet to enter additional information that will display on the Universal Residential Loan – Continuation Sheet output form.


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