Uniform Residential Loan Application (URLA)

Frequently Asked Questions

Disclaimer: The content below is intended for general information purposes only and is provided to assist Ellie Mae’s customers and non-customers in complying with the new Uniform Residential Mortgage Application (URLA). This content may contain forward-looking statements about Ellie Mae, Inc.’s ability and timing to enhance the features and functionality of its software and services. While these forward-looking statements represent our current judgment on what the future holds, they are subject to risks and uncertainties that could cause actual results that differ materially. This information is provided as a courtesy to Ellie Mae’s customers and Ellie Mae makes no representation or warranty regarding the accuracy of the information set forth herein, and you may not rely on this information to ensure your company’s compliance with the URLA. This publication should not be construed as legal advice or opinion on any specific facts or circumstances, including the application of the URLA requirements. You are advised to consult your own compliance staff or attorney regarding your specific residential mortgage lending questions or situation to ensure your compliance with all applicable laws and regulations.

Is the format in the borrower summary and 1003 pages forms going to change?

Revised September 25, 2018

No. We are going to retain the same user experience in the Encompass Smart Client. There will be new URLA pages to replace the existing 1003 pages, but the new URLA pages will follow a similar format and flow.