You will have to be prepared by March 1, 2020, the deadline for the switch over to the new Uniform Residential Loan Application (URLA).  Cloudvirga has fully anticipated the process and the steps lenders will need to take to be ready for the coming change.


MARCH 1, 2021

On April 14, 2020 Freddie Mac and Fannie Mae (the GSEs)  published a joint announcement regarding the revised implementation timeline for the redesigned Uniform Residential Loan Application (URLA) and updated automated underwriting systems (AUS).


The new mandate date for the use of the redesigned URLA and AUS specifications is

March 1, 2021. 

What Cloudvirga is Doing

Our URLA implementation strategy assures that all of our products:


  • Meets the URLA specifications AND are certified by Fannie Mae and Freddie Mac.
  • Delivers test environments in time for our customers to build/test the end-to-end solution for March 1 readiness.
  • Work seamlessly with our entire ecosystem of tech providers.
  • Run both versions (2009 and 2020) simultaneously during the transition period.
  • Allow pilot testing of URLA prior to rolling out the full solution.




Cloudvirga is committed to creating a seamless transition for our clients so that they should not experience any business disruption

We are working closely with our entire ecosystem of technology providers to assure that our solutions are fully integrated

We have built and will maintain all of our solutions to exist simultaneously for both URLA versions.

Testing can be done via Voluntary adoption (pilot testing) or Automated adoption, where this setting forces all loans to be URLA compliant.

January 1, 2021: Open Production Begins. Starting January 1, 2021, all lenders may submit the MISMO v3.4 loan application submission files to GSE-specific AUS production environments using the redesigned URLA. NOTE : Freddie Mac and Fannie Mae are updating the effective date in the footer of the redesigned URLA to 1/2021.

March 1, 2021: Mandate and Pipeline Transition Period Begins. All lenders are required to submit the MISMO v3.4 loan application submission files to the GSEs’ AUS production environments using the redesigned URLA beginning March 1, 2021. NOTE : Freddie Mac and Fannie Mae will continue to process applications received prior to the mandate date within the AUS format on which they were initially submitted. If a legacy AUS file was submitted prior to the mandate, the submitted file may remain in the legacy format and the lender may complete the loan using the 07/05 (Rev. 06/09) URLA, even after the mandate date.

March 1, 2022: Retirement Date. After this date, no files will be accepted using the old URLA or previous AUS specifications, even if the files are dated prior to March 1, 2021.

How Cloudvirga Has Approached URLA


Cloudvirga has taken a holistic approach to supporting the new URLA initiative that takes into account all of the layers of our platform that have the potential to be impacted.


Data Layer​

UI Impacts​


Vendor Integrations​

Client Specific Integrations​

Framework for Supporting Simultaneous URLAs​

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