UAD 3.6 Resource Center
for Lenders

The UAD is a standardized industry dataset for appraisal property reporting that is communicated electronically through the Uniform Collateral Data Portal® (UCDP®). Fannie Mae and Freddie Mac (GSEs) are updating the UAD to create a data-driven, dynamic reporting structure to capture property and market information. The limitation of the legacy forms is that additional required data is provided in a free-form commentary addendum. This update allows for one reporting structure that accounts for all property and inspection types. As part of this initiative, the GSEs are aligning to the latest version of the Mortgage Industry Standards Maintenance Organization (MISMO®) Reference Model 3.6.

Yes, the appraisal report forms listed below are being replaced with a data-driven, flexible, dynamic structure for appraisal reporting. The redesigned Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and Completion Report each have a similar look and feel to the Uniform Residential Loan Application (URLA) and the Closing Disclosure (CD). Replaced forms include: 1004/70, 1004 Desktop/70D, 1004 Hybrid/70H, 1073/465, 1073 Desktop/465D, 1073 Hybrid/465H, 1075/466, 2055, 1004C/70B, 2090, 2095, 1025/72, 1007/1000, and 1004D/442.

Yes. With the new URAR, the data that describes the subject property drives the appraisal report, not a form type or number.

If the appraisal report was completed using a legacy form, the 1004D / 442 would be used, but if completed on the new URAR, the new Completion Report and/or new Restricted Appraisal Update Report would be used. These are now individual reports, each with their own accompanying specification.

In most situations, estimating the monthly market rent will be part of the appraisal assignment and included in the new URAR under the Rental Information section. When the need arises to establish a monthly market rent after the URAR has been completed, then the original appraiser must be engaged to amend the original URAR to include the Rental Information section. In rare cases, the original appraiser will not be available to amend the appraisal report. In this situation, a different appraiser may complete the Single-Family Comparable Rent Schedule to satisfy the requirement for the loan.

Yes. UAD 3.6 supports traditional, hybrid, desktop, and exterior appraisal assignments.

No. In place of the General Addendum, there are specific fields within each section of the URAR that allow commentary to be added as necessary.

Yes. The purpose of the URAR has not changed.

Yes, the GSEs have worked closely with the government agencies to include their specific requirements in UAD 3.6.

UAD 3.6 provides standardized data fields and enumerations to define the property, helping lenders and other end users better understand the property's characteristics.

No, these appraisals are not in scope of the UAD and Forms Redesign project.

The appraiser, through their appraisal software provider, has the ability to run the UAD compliance rules through an API. Fannie Mae and Freddie Mac created UAD Compliance APIs to evaluate the XML for compliance with the UAD Delivery Specification. The rules check for data completeness, validity (format and data type), and reasonableness.

For lenders that deliver loans to the GSEs, the ULDD Phase 5 update includes enhancements to align ULDD property data points with UAD 3.6. These updates must be implemented by July 28, 2025.

The Condition and Quality Rating scale has not changed, but definitions were rewritten to provide clarity and make it easier to distinguish between the ratings. Interior and Exterior Condition and Quality Ratings have also been added for a distinction when there are significant differences in the condition status between interior and exterior.

The URAR includes more detailed information about ADUs, such as size, condition, rooms, and location. ADUs display in a more consistent manner on the new URAR than on the legacy forms.