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.

Will all fields be changing in the new URLA?

Revised September 25, 2018

The short answer to this is no! There is significant reuse of data between the existing URLA and the new URLA. There are some net new fields required due to new data being collected on the form, as well as new expandable sections. The GSEs have provided an excellent guide to compare the old and new forms, and Ellie Mae is preparing a companion data guide to assist our clients in understanding how the comparison relates to Encompass fields. This data guide will be made available on the resource center as we get closer to launching the new URLA and will be posted to the Ellie Mae Resource Center and made available to Integrated Service Providers.