What is UCD?

The Uniform Closing Dataset (UCD) is a common industry dataset that supports the Consumer Financial Protection Bureau’s (CFPB) Closing Disclosure which is part of the Uniform Mortgage Data Program (UMDP). It is an upcoming requirement of Fannie Mae and Freddie Mac at the direction of their regulator, the Federal Housing Finance Agency. The GSEs will require a UCD XML file for all loans having a note date on or after Sept. 25, 2017. When applicable, we anticipate that most conforming loan investors, whether planning to immediately deliver to the GSEs or aggregating for a later loan delivery, will require an originating lender to submit the UCD file to both Fannie and Freddie and receive the UCD Findings Reports from both GSEs as a condition of their loan approval to ensure the upload was successful to both GSEs and the Casefile ID is correct for the loan.


Do you have loans purchased by investors?
Will you be originating loans on or after Sept. 25 2017?
If you answered yes to any of the above questions, it will affect you. Beginning September 25, 2017, both Fannie and Freddie will require the originating lender to submit a UCD Findings Report as a condition of their approval. We strongly believe that most loan investors will follow suit and require a UCD file as well. If you sell your loans on the secondary market to any investor, you need a solution in place today!


PPDocs workflow UCD TRID PPDocs

PPDocs is an approved Technology Solution Provider (TSP) with Fannie and Freddie!

UCD file as part of our normal document preparation
Leverage our technology platform to help verify salability and reduce risk
Automated preparation and delivery to the GSEs
Centralized workflow for GSE feedback
Available as standalone solution!
Freddie Mac Vendor List      Fannie Mae Vendor list

Pricing starts as low as $25!

PPDocs UCD flow

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