A mortgage application—formally called the Uniform Residential Loan Application (URLA, Form 1003)—is the standardized document lenders use to gather the financial, personal, and property details they need to evaluate your request for a home loan. Here’s what’s typically expected:

Personal Information

• Full legal name, date of birth, Social Security number, marital status, and dependents.

• Current and previous addresses (usually covering the past two years).

Employment & Income

• Current and prior employment history (covering at least two years).

• Monthly income sources, including salary, bonuses, commissions, rental income, or other earnings.

Assets

• Bank accounts (checking, savings, retirement funds).

• Other assets (stocks, bonds, real estate, vehicles, etc.).

• Documentation may be requested—like recent statements.

Liabilities

• Current debts: credit cards, auto loans, student loans, personal loans, other mortgages.

• Monthly obligations and outstanding balances.

Loan & Property Details

• Type of mortgage (conventional, FHA, VA, etc.).

• Purpose of loan (purchase, refinance, construction).

• Property address, value, and intended occupancy (primary, secondary, or investment).

Declarations

• Questions regarding legal/financial history: past bankruptcies, foreclosures, lawsuits, alimony/child support obligations, etc.

• Citizenship or residency status.

Acknowledgments & Agreements

• Borrower must certify that information is true and accurate.

• Consent for the lender to pull a credit report.

Government Monitoring Information

• Optional demographic data (ethnicity, race, gender) for fair lending compliance under the Home Mortgage Disclosure Act (HMDA).