Back to List

Feb 04, 2021

39556 _WHSL_B2B_URLA-Webinar_Email_600.jpg

On December 2nd, Caliber Home Loans, Inc. held a webinar to discuss the redesigned components of the Uniform Residential Loan Application (URLA). During this session, several industry leaders came together to explain the newly modernized URLA structure and how it will impact both lenders and borrowers in the future.

All changes will be available for you to use beginning January 1, 2021 – but will be applied across the entire business beginning March 1, 2021.

In case you missed it, here are some of the key takeaways from the webinar.

For the first time in nearly 20 years, Fannie Mae and Freddie Mac are implementing major changes to the Uniform Residential Loan Application (URLA) – effective March 1, 2021.

The Speakers

David Schroeder
EVP of Third-Party Organizations
Caliber Home Loans, Inc.

Patricia Howard
Marketing Program Management Senior, Customer Education Services
Freddie Mac

Andrea Boughton
Training Manager
Caliber Home Loans, Inc.

Components of the URLA application redesign

  • Borrower information form: Required for every loan; Leads with section for borrower’s personal information
  • Lender loan application form: Required for every loan
  • Continuation sheet: As applicable
  • Additional borrower form: As applicable
  • Unmarried addendum: As applicable

Key initiatives

  • URLA
  • Uniform loan application dataset (ULAD)
  • Automated underwriting system (AUS) data specifications


  • More flexible forms
  • Enhanced data quality
  • Improved risk assessment
  • Clarity for borrowers and lenders through the loan application process

Notable changes

  • One borrower form design (each borrower will have their own loan application)
  • Similar to loan estimate and closing disclosure
  • Indicators in place for when sections are no longer applicable
  • Choices for asset, liability, and income types

If you’re a Caliber Club member, reach out to your Account Executive for a link to a recording of the webinar.


Wholesale URLA
About URLA

Read up on the changes to the Uniform Residential Loan Application (1003).

Learn More
Wholesale FAQs

Find answers to the most common questions - in one place.

Get Answers