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Redesigned Uniform Residential
Loan Application (URLA)

As your preferred lender, LoanStream Mortgage would like to share insights into an upcoming change affecting the mortgage industry.

Fannie Mae and Freddie Mac have designated March 1, 2021 as the mandatory use date for the new URLA.

LoanStream will start requiring MISMO 3.4 data through our Broker Portals starting March 1, 2021

Calyx Point FAQ

How to convert a 3.2 file to a 3.4 MISMO (.XML file)

Thanks to the efforts of GSEs, Fannie Mae and Freddie Mac, the Uniform Residential Loan Application (URLA) has been redesigned for both lenders and borrowers alike. The idea behind the redesign is to improve the efficiency and transparency of the loan application for consumers as well as allow lenders to move forward in the digitization of the loan origination process.

When will the change take place?

Lenders and Brokers are required to use the new Form 1003 with applications on and after March 1, 2021, but we’re preparing for the change now.  We will begin accepting the new URLA  in February.

Our Commitment

As the date of implementation approaches, LoanStream Mortgage will continue to provide our Business Partners more details about how to use the new URLA application and will provide reference materials to help you navigate through the changes.

Highlights of the Redesigned URLA

Updated Fields in Accordance with Today's Lending Environment

Clearer Separation of Lender and Borrower Information

Separation of Individual Borrower Applications in a Single Loan Package

Reorganization for a more consumer-friendly experience

More Detailed Employment History Income Section

Demographic Information Addendum is Now Part of the URLA

Clearer Instructions to Improve Borrower Self-Service

Demographic Information Addendum is

Implementation Schedule

August 1, 2020

Limited Production Begins

January 1, 2021

Open Production Begins

March 1, 2021

Mandate and Pipeline Transition Period Begins

To view the full Implementation Schedule, click here


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