Establishing secure connection…Loading editor…Preparing document…

Uniform Residential Loan Application

This template is fully customizable. Edit the text, fill out the fields, and send it for signature. Give it a try!

Uniform Residential Loan Application

This application is designed to be completed by the applicant(s) with the Lender’s assistance. Applicants should complete this form as “Borrower” or “Co-Borrower”, as applicable.

I. TYPE OF MORTGAGE AND TERMS OF LOAN

Mortgage type:

Applied for: Agency Case Number Lender Case Number

Amount Interest Rate No. of Months Amortization Type:

II. PROPERTY INFORMATION AND PURPOSE OF LOAN

Subject Property Address No. of Units

Legal Description of Subject Property Year Built

Purpose of Loan Property will be:

Complete this line if construction or construction-permanent loan.

Year Acquired Original Cost Amount Existing Liens Present Value of Lot Cost of Improvements Total

Complete this line if this is a refinance loan.

Year Acquired Original Cost Amount Existing Liens Purpose of Refinance Describe Improvements: Cost

Title will be held in what Name(s) Manner in which Title will be held Estate will be held in:

Source of Down Payment, Settlement Charges, and/or Subordinate Financing

III. BORROWER INFORMATION

Borrower

Borrower’s Name

Social Security Number

Home Phone DOB

Present Address

Mailing Address

Former Address

Co-Borrower

Co-Borrower’s Name

Social Security Number

Home Phone DOB

Present Address

Mailing Address

Former Address

IV. EMPLOYMENT INFORMATION

Borrower

Name & Address of Employer

Yrs. on this job

Yrs. employed in this line of work/profession

Position/Title/Type of Business

Business Phone

Co-Borrower

Name & Address of Employer

Yrs. on this job

Yrs. employed in this line of work/profession

Position/Title/Type of Business

Business Phone

V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION

Gross Monthly Income: Base Empl. Income Co-Borrower Total

Other Income

Combined Monthly Housing Expense: Present Rent Proposed Rent

VI. ASSETS AND LIABILITIES

Cash deposit toward purchase held by Amount

List checking and savings accounts below

Stocks & Bonds Life Insurance net cash value Face amount

Real estate owned Vested interest in retirement fund Net worth of business(es) owned

Automobiles owned Other Assets

Alimony/Child Support/Separate Maintenance Payments Owed To Job-Related Expense

VI. ASSETS AND LIABILITIES (cont’d) - Schedule of Real Estate Owned

Property Address

Type of Property Present Market Value Amount of Mortgages & Liens

VII. DETAILS OF TRANSACTION

Purchase price Alterations, improvements, repairs

Land (if acquired separately) Refinance Estimated closing costs

PMI, MIP, Funding Fee Discount Loan amount

VIII. DECLARATIONS

If you answer “Yes” to any questions a through i, please use continuation sheet for explanation.

a. Are there any outstanding judgments against you?

b. Have you been declared bankrupt within the past 7 years?

c. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?

d. Are you a party to a lawsuit?

e. Have you directly or indirectly been obligated on any loan which resulted in foreclosure or judgment?

f. Are you presently delinquent or in default on any Federal debt or other loan?

g. Are you obligated to pay alimony, child support, or separate maintenance?

h. Is any part of the down payment borrowed?

i. Are you a co-maker or endorser on a note?

IX. ACKNOWLEDGEMENT AND AGREEMENT

Each of the undersigned specifically represents to Lender and to Lender’s actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges the terms of this application.

Borrower’s Signature

Date

Co-Borrower’s Signature

Date

X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES

Borrower

Ethnicity:

Race:

Sex:

Co-Borrower

Ethnicity:

Race:

Sex:

Interviewer Information

This application was taken by:

Interviewer’s Name

Interviewer’s Signature

Interviewer’s Phone Number

Name and Address of Interviewer’s Employer

Date

Continuation Sheet / Residential Loan Application

Use this continuation sheet if Borrower or Co-Borrower needs more space to complete the application.

Borrower

Co-Borrower

Agency Case Number

Lender Case Number

Borrower’s Signature

Date

Co-Borrower’s Signature

Date

Enter text✕

What the Uniform Residential Loan Application Is

The Uniform Residential Loan Application (URLA) is the standardized form lenders use to collect borrower, property, and loan details for most residential mortgage applications in the United States. It gathers identity, employment, income, asset, liability, and property information to support underwriting and loan decisioning. The URLA also includes declarations and authorizations the borrower signs to permit verification and appraisal, and it is used across purchase and refinance workflows to ensure consistent information for investors, insurers, and regulators.

Why the URLA Matters for Lenders and Borrowers

Completing the URLA accurately centralizes all data under a common format required by investors and many secondary-market participants, reducing rework and accelerating underwriting.

Why the URLA Matters for Lenders and Borrowers

Core Sections in a Professional Uniform Residential Loan Application

A complete URLA contains standard sections that map borrower facts to underwriting rules. The following components are essential for underwriting, compliance checks, and downstream servicing.

Borrower Details

Primary and co-borrower legal names, birth dates, Social Security numbers, contact information, and marital status required for identity and credit checks.

Property Information

Subject property address, occupancy type, intended use (purchase/refinance), and legal description where required for collateral assessment and appraisal.

Loan and Terms

Requested loan amount, loan purpose, loan program, interest rate type, and term used to determine payment calculations and eligibility.

Income and Employment

Employer name, job title, months on job, pay frequency, gross income, and additional income sources for debt-to-income ratio calculations.

Assets and Liabilities

Bank accounts, retirement or investment assets, and recurring debts such as mortgages, auto loans, and credit lines used to calculate reserves and obligations.

Declarations & Authorizations

Yes/no disclosures on defaults, judgments, bankruptcies, and purpose statements plus borrower authorization to verify credit, employment, and assets.

Step-by-Step: Filling Out the URLA

Follow these sequential steps to complete the URLA and prepare supporting materials for underwriting and closing.

  • 01
    Gather Documents: Collect IDs, pay stubs, bank statements, tax returns, and property documents before starting.
  • 02
    Enter Borrower Data: Complete name, SSN, DOB, contact info, and employment sections for all applicants.
  • 03
    Record Assets/Liabilities: List account balances, retirement funds, monthly payments, and other obligations.
  • 04
    Review & Sign: Verify all answers, execute declarations, and sign with correct dates to finalize submission.

How the URLA Moves Through a Loan Workflow

The completed URLA starts underwriting and triggers verifications that ultimately lead to a loan decision and closing steps.

  • Application Submission: Borrower submits URLA and supporting documents to the lender for initial review.
  • Verification: Lender orders credit report, employment and asset verifications, and appraisal.
  • Underwriting: Underwriter evaluates eligibility, DTI, reserves, and program guidelines.
  • Approval & Closing: Conditional or final approval issued; closing disclosures and documents prepared for signing.

Customizing an Online URLA Workflow

Configure an online form and routing to match your lender's underwriting and compliance steps; common settings are listed below.

Field Configuration
Required Fields Mark borrower name, SSN, income, and property address as required.
Conditional Logic Show co-borrower or rental-history fields when applicable.
Authentication Enable multi-factor or knowledge-based checks for high-assurance workflows.
Audit Trail Capture timestamps, IP, and signer attribution for compliance records.

Technical Requirements for eSubmission and eSigning

Verify platform capabilities before accepting electronic URLAs to ensure legal and operational compliance.

  • File Formats: PDF, Word (DOCX), and structured data exports (XML/JSON) for LOS ingestion.
  • Integrations: Connectors for Salesforce, Microsoft 365, NetSuite, Google Workspace, Box, Procore, and other systems.
  • Authentication: Support for email, SMS code, KBA, and advanced signer authentication when required.

eSignature Vendor Comparison for URLA eSigning (signNow first)

Compare basic plan price and feature availability across common eSignature vendors for signing U.S. residential loan applications; plan capabilities and compliance options vary by vendor and tier.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial 7-day free trial Varies by offer Varies by offer Limited trial options Limited trial options
Bulk Send Yes (plan-dependent) Yes Yes Yes No
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes (BAA) Yes (BAA) Yes (BAA) No No

Required Information Typically Collected on the URLA

Borrower Identity: Legal name, SSN, DOB
Contact Information: Address, phone, email
Employment: Employer name and income
Assets: Bank and investment balances
Liabilities: Monthly debt payments
Property Details: Address and occupancy type

Common Errors That Slow URLA Processing

  • Inconsistent names or SSNs between ID and URLA that block credit pulls and verifications.
  • Missing or unsigned declarations sections that require manual follow-up and re-execution.
  • Incomplete property or legal description fields causing appraisal or title delays.
  • Unclear income documentation or undocumented self-employment income requiring additional verification.

Consequences and Legal Risks of Inaccurate or Fraudulent URLAs

Denial or Rescission: Incomplete or false statements can lead lenders to deny or rescind loan offers.
Civil Liability: Misrepresentation may trigger borrower civil liability and claim exposure.
Criminal Penalties: False statements to federally insured lenders can violate 18 U.S.C. §1014 and lead to prosecution.
Delay Costs: Errors cause rework, additional verification fees, and closing delays.
Underwriting Failure: Unverifiable income or assets can render the file ineligible for investor delivery.
Reputational Risk: Frequent errors can increase secondary market buyback or repurchase demand.

Key Milestones in a Typical Mortgage Application Timeline

A mortgage application follows a predictable sequence from submission through closing; the numbered stages below show what to expect at each major milestone.

01

Application Received

Lender accepts the URLA and preliminary disclosures are provided to the borrower.

02

Verification and Appraisal

Credit checks, income/asset verification, and property appraisal are completed.

03

Underwriting Decision

Underwriter issues conditional approval or denial after guideline review.

04

Clear to Close

All conditions satisfied, and closing documents are prepared and scheduled.

Typical Processing Timeframes and Expectations

Processing and closing timelines vary by lender, property type, and documentation readiness; the items below reflect common market expectations.

Initial Review:

1–5 business days for intake and preliminary check

Verification Window:

5–15 business days to obtain credit, employment, and asset verification

Appraisal Turnaround:

7–14 calendar days depending on market and appraiser availability

Underwriting Decision:

3–10 business days once all items are submitted

Typical Closing:

Closings commonly occur within 30–45 days from application in many markets

Real-World Examples from Organizations Using Digital Signing for Mortgage Workflows

These case summaries show how companies use electronic signing and digital workflows to complete loan applications and related documents.

Martin Properties

Tim Martin found online execution essential to his business operations

  • Reduced manual handling of forms on mobile and desktop
  • I can process and execute all of these documents online with 100% compliance and built-in security, whether on mobile or working offline, which helps return forms efficiently.

Optica Ventures LLC

Brian Fitzgibbons emphasized ease of use for customers

  • Simple interface improves customer experience
  • The interface is simple and easy-to-use for our team; more importantly, it is just as easy for our customers.

Practical Tips to Reduce Delays and Rework

Apply these practices when preparing and submitting URLAs to improve underwriting speed and reduce buyer friction.

Validate Identity Early
Confirm borrower name, SSN, and contact info before ordering third-party reports to avoid duplicate pulls and mismatches.
Attach Supporting Documents
Upload pay stubs, bank statements, and tax transcripts with the initial URLA to prevent iterative document requests.
Use Conditional Fields
Configure online forms to show only relevant fields (co-borrower, rental history) to reduce completion errors.
Record Audit Trails
Capture timestamps, IPs, and signer authentication events to support compliance and investor requests.

Frequently Asked Questions About Completing and Submitting the URLA

Answers to common questions about e-signatures, notarization, supporting documents, and corrections when working with the URLA.


Need help? Contact support

be ready to get more
Join over 28 million airSlate SignNow users