Uniform Collateral Data Portal FAQ

Starting September 8, 2025, UCDP will accept UAD 3.6 ZIP files. Until Broad Production begins (January 26, 2026), Freddie Mac and Fannie Mae (the GSEs) will accept UAD 3.6 files from lenders that received GSE approval to participate in the Limited Production Period.

To learn more about the UAD 3.6 and Forms Redesign, visit the Uniform Appraisal Dataset page.

The Limited Production Period offers approved lenders early access to UAD 3.6 enhancements in the UCDP user interface (UI) and direct integration (DI). Approved lenders participating in the Limited Production Period will have the opportunity to provide critical feedback to the GSEs before Broad Production begins. 

To learn more about the Limited Product Period, including lender eligibility requirements, visit the Limited Production Readiness Overview for Lenders.

Yes, effective September 8, 2025, the GSEs will continue to accept UAD 2.6 XML. In addition, the GSEs will accept the new UAD 3.6 ZIP from lenders that received GSE approval to participate in the Limited Production Period. 

For key transition milestones, including the retirement timeline for UAD 2.6, refer to the UAD and Forms Redesign Timeline.

UCDP accepts appraisal report file submissions in XML format. Files must be packaged according to the appropriate delivery format: 

• For UAD 2.6: Appraisal report files will continue to be accepted as XML files with an embedded PDF.
• For UAD 3.6: Appraisal report files must be submitted as a ZIP file and must include:
  • UAD 3.6 XML
  • PDF version of the UAD 3.6 appraisal report
  • Image folder containing all associated images

Important: UCDP does not accept mixed standard (UAD 2.6 or UAD 3.6) submissions under the same Document File Identifier (Doc File ID). For example, if an appraisal report was submitted using UAD 2.6, then any subsequent submissions for the same Doc File ID must be in the UAD 2.6 standard. 

For additional details on file data delivery requirements and supported formats in UCDP, refer to the UCDP Overview.

For UAD 3.6 ZIP file submissions, images must be in a dedicated folder named “Images” (case-sensitive) within the ZIP file. Images must not be embedded in the XML file. 

Acceptable image formats are: 

• image/avif
• image/bmp
• image/gif
• image/heic
• image/heif
• image/jpeg
• image/png
• image/tiff
• image/webp

Yes, file size limits vary by file type and format:

• For UAD 3.6 ZIP files, the file size must not exceed 60 MB.
• For UAD 2.6 XML files with an embedded PDF, the file size must not exceed 15 MB.

Important: System performance may be slower for larger files that are close to the file size limits.

No, UCDP does not accept submissions that include password-protected PDF, encryption, or any similar restriction that prevents opening, viewing, printing, or extracting pages, whether submitted under the UAD 2.6 standard or the UAD 3.6 standard.

• UAD 3.6 ZIP file submissions will have Document File IDs that begin with “2”.
• UAD 2.6 XML file submissions will have Document File IDs that begin with “1”.

Yes, UCDP can support more than one appraisal report under a single Document File ID. 

For UAD 2.6 XML file submissions, the process remains unchanged. The structure of the appraisal report file submission is composed of:

• Up to three appraisal report XML file submissions labeled as Appraisal 1, 2, and 3.
  • Appraisal 1 is required and cannot be deleted once submitted. Revisions can be made via resubmissions through UCDP.
  • Appraisal 2 is optional, can be revised, and can be deleted if not required.
  • Appraisal 3 is optional, can be revised, and can be deleted if not required.

For UAD 3.6 ZIP file submissions, the structure of the appraisal file submission is composed of:

• Up to three URARs labeled as Appraisal 1, 2, and 3:
  • Appraisal 1 is required and cannot be deleted once submitted. Revisions can be made via resubmissions through UCDP.
  • Appraisal 2 is optional, can be revised, and can be deleted if not required.
  • Appraisal 3 is optional, can be revised, and can be deleted if not required.
• Up to two supplemental appraisal reports under each appraisal sequence (1, 2, or 3), which is automatically assigned to the URAR when submitted to UCDP.
  • Restricted Appraisal Update Report: can be revised or deleted if not required.
  • Completion Report: can be revised or deleted if not required.

Important: An existing URAR must be submitted to UCDP before an associated Restricted Appraisal Update Report or Completion Report is submitted.

For more information on appraisal sequences and submission guidance, refer to the UCDP User Guide.

For UAD 2.6 submissions, the process remains unchanged. The Appraisal Update Report and/or Completion Report (1004D/442) must be submitted in UAD 2.6 XML format and must be associated with a prior UAD 2.6 submission.

For UAD 3.6 submissions, the Restricted Appraisal Update Report or Completion Report must be submitted in UAD 3.6 ZIP format and must be associated with an existing UAD 3.6 URAR submission in UCDP.

Important: UCDP does not accept mixed standards (UAD 2.6 and UAD 3.6) under the same Document File Identifier (Doc File ID). The format of the Restricted Appraisal Update Report or Completion Report must match the format of the original appraisal report file submission.

For more information on submitting a UAD 3.6 Appraisal Update Report or Completion Report, refer to the UCDP User Guide.

Yes, for every UAD 3.6 ZIP file submitted to UCDP, the UAD 3.6 Subschema validates the XML file within the appraisal report ZIP file.

If the submission fails subschema validation, UCDP will provide a “SYS9001” system finding on the Submission Summary Report (SSR) for each failed instance, up to 40 instances.

The UAD 3.6 Subschema can be found on the Freddie Mac UAD webpage.

When a UAD 3.6 ZIP file is submitted, UCDP runs the following rule sets to provide comprehensive feedback via the SSR: 

• System Findings: Ensure the ZIP file and its contents are complete and properly structured.
• UAD Compliance Findings: Verify the XML complies with the UAD 3.6 specifications.
• GSE Proprietary Findings: Provide feedback based on each GSE’s appraisal report requirements.

The following resources provide a comprehensive list of findings that can be returned in each GSE’s UAD 3.6 Submission Summary Report (SSR).

• Collateral Feedback Messages: Loan Collateral Advisor and UCDP for UAD 3.6 | Freddie Mac
• UAD 3.6 Messaging Guide | Fannie Mae

Yes, the UAD 3.6 SSR has been updated to support the new UAD 3.6 file submission. The SSR is automatically generated for each GSE after a UAD 3.6 ZIP file is successfully submitted to UCDP. 

Key enhancements include: 

• Support for all property types and valuation methods.
• JSON file format that is downloadable via UCDP DI.
• Inclusion of:
  • Freddie Mac Loan Collateral Advisor^® LCA Risk Score and Collateral Rep & Warranty relief indicator for URAR submissions to Freddie Mac.  
  • Fannie Mae Collateral Underwriter^® (CU^®) risk scores and Rep & Warrant relief eligibility for URAR submissions to Fannie Mae.
• Redesigned PDF layout with visual highlights for key fields (e.g., Status, Opinion of Market Value).
• Comprehensive feedback on errors and findings. 

For more details, review the SSR Guide for UAD 3.6.

For UAD 2.6 XML submissions, there are no changes to the UAD 2.6 SSR PDF.

An SSR is generated when a valid appraisal report file is submitted to UCDP. The SSR file format depends on the type of appraisal report file submitted: 

• For UAD 2.6 XML file, PDF format only.
• For UAD 3.6 ZIP file, PDF format (retrieved via the UCDP UI and UCDP DI) and JSON file format (retrieved via the UCDP DI).

To learn more about the new dynamic UAD 3.6 SSR and to view examples, refer to the SSR Guide for UAD 3.6.

Yes, with UAD 3.6 submissions you can retrieve the Appraisal XML and Appraisal Report PDF via the UCDP UI or the UCDP DI. 

For more information on retrieving UAD 3.6 Appraisal XML and PDF files from UCDP, refer to the UCDP User Guide.

Yes, both GSEs accept the same file formats through UCDP. More details about acceptable appraisal report file delivery requirements and supported file formats can be found on the UCDP Overview on the Freddie Mac UCDP webpage.

The GSEs do not assess any fees in connection with the use of UCDP. The GSEs do not charge lenders or their agents transaction fees for uploading appraisal report files directly to UCDP or for using a vendor solution to access UCDP.

Yes, most appraisal software vendors have integrated the ability to produce and transmit a complete UAD 2.6 XML file. Lenders should evaluate their processes and requirements and consider requiring the appraiser to send the appraisal report file in UAD 2.6 XML format. Lender submissions of the UAD 2.6 XML file produced by the appraiser help ensure data integrity by avoiding possible file conversion errors.

No, only the appraisal reports for conventional mortgages sold to the GSEs are required to be submitted to UCDP.

A list of vendors that offer an integration to UCDP is available on each GSE’s website: freddiemac.com and fanniemae.com .

No, UCDP does not accept appraisal field review reports. If the lender obtains an appraisal field review report, the original appraisal report must still be submitted to UCDP. If the lender relied on the value from the appraisal field review report to underwrite the loan, that value should be provided at loan delivery. The lender must include in the mortgage file both the original appraisal report and the appraisal field review report.

No, the Market Conditions Addendum cannot be uploaded to UCDP as a separate document. While the addendum is not required, if the addendum is used, it must be included in the embedded PDF as an attachment to the appraisal report submitted to UCDP.

Lenders must identify a lender administrator (lender admin) for their organization. The lender admin has authority within UCDP to set up and manage the organization’s business structure and grant access privileges to other general users within their organization.

The lender admin must complete the GSE registration process for either or both GSEs. Registration instructions are at freddiemac.com and fanniemae.com. The lender admin will create access for all general users in the organization directly within UCDP.

Lender agents must complete the UCDP Lender Agent Registration Form on either freddiemac.com or fanniemae.com to request a UCDP account and appear on the lender agent list within UCDP.

Once the lender agent completes the UCDP Lender Agent Registration Form and account setup, the lender agent’s name will appear in the lender agent dropdown on the Relationships page in UCDP. From there, your organization can designate one or more lender agents to submit appraisals to UCDP on your organization’s behalf.

Yes, having more than one lender admin is strongly advised.

To register an additional lender admin with Freddie Mac, complete the UCDP Add or Remove Lender Administrator Account Request.

To replace a lender admin with Freddie Mac, complete the UCDP Replace Lender Administrator Account Request.

For questions related to registration and submitting appraisal reports to UCDP, contact the joint GSE UCDP Support Center at (800) 917-9291.

If you forget your User ID, contact your lender admin, who will be able to look up your User ID.

If you forget your password, use the “Forgot your Password?” function from the UCDP login page to reset your password OR contact your lender admin, who will be able to reset your password for UCDP.

If you don’t know your lender admin, contact the UCDP Support Center at (800) 917-9291.

Yes, UCDP passwords expire every 90 days for users accessing UCDP using the web interface. After a user's password expires, there will be a prompt to change the UCDP password at the next login.

No, independent fee appraisers cannot register for access to UCDP.

No, mortgage brokers cannot register for access to UCDP.

Appraisal reports that are successfully uploaded to UCDP receive a Submission Summary Report (SSR) with the appraisal submission details and the status of the submission, as well as a Document File Identifier (Doc File ID), which is the unique appraisal identifier generated by UCDP. Loans delivered to either GSE must have an appraisal report with a "Successful" status in UCDP before loan delivery.

Lenders can verify whether the appraisal report uses a UAD 2.6-compliant form by checking the version date footer at the bottom of each page of the appraisal report form. UAD 2.6-compliant forms indicate a version date of "UAD Version 9/2011" in addition to the current March 2005 form date, while the previous form has only a March 2005 form date. UAD 2.6-compliant forms for desktop and hybrid appraisal reports may reflect July 2020 at the bottom in addition to “UAD Version 9/2011.”

An appraisal report is considered to be UAD 2.6-compliant if it is completed in accordance with Appendix D, UAD Field-Specific Standardization Requirements of the UAD Specification.

The Doc File ID is the identifier assigned by UCDP to the appraisal report file(s) associated with a given property and indicates the appraisal report file was submitted to UCDP. The Doc File ID does not change, even if a revised appraisal report is submitted.

The Doc File ID must be included in the loan delivery files submitted to the GSEs.

No, the lender or its agent submits the appraisal report to UCDP and receives an SSR with the status of the appraisal report submission and a Doc File ID to use when the loan is delivered to one of the GSEs. There are edit checks in UCDP, including a UAD Compliance Check, that may require the lender to go back to the appraiser. Lenders may contact the appraiser to clarify data points or obtain additional data to clear certain edit checks.

Aggregators that sell to the GSEs may require correspondents to submit appraisal reports to UCDP and ensure the aggregator has the final results, including the Doc File ID assigned to the appraisal report and a copy of the SSR. Confirm the process with each aggregator that sells to a GSE.

The Appraisal Sharing feature in the UCDP user interface (UI) was retired on June 13, 2025. UCDP UI users can no longer navigate to or access specific Share Appraisal features within the UI. This includes the Share Appraisal Navigation tab with drop-down and icon options on the Home page.

For a limited time, UCDP direct integration (DI) users will continue to have the option to share and retrieve appraisal reports through the DI interface. Correspondent lenders can share the results of the appraisal submission using the Document File ID and Aggregator Identifier. Aggregators, in addition to retrieving statuses, findings, and SSRs through the DI, will maintain the ability to create and modify their Aggregator Set-up via the Account Administration in the UCDP UI.

As of June 14, 2025, the Lender CorrAgg and Agent Correspondent roles were retired. Users with those roles retained access to UCDP as Lender Users and Agent Users, respectively.

On June 14, 2025, the simplified Submit Appraisal page allows lenders or their agents to upload one file at a time. This enables submissions to be organized and managed under a single Document File ID.

Lenders can submit revised or corrected appraisal report files, if needed. Lenders need to work with appraisers to resolve issues and obtain a corrected appraisal report. More information is available in the UCDP User Guide.

UAD Compliance Check messages usually indicate the appraisal report was submitted using an incorrect format or enumerated values, or the appraisal report does not comply with UAD requirements. Lenders may need to contact the appraiser to clarify data points or obtain additional data to clear edits checks.

No, lenders can submit an appraisal report to one or both GSEs and do not need to know which GSE they will sell the loan to before submitting the appraisal report to UCDP. Lenders must submit a UCDP Doc File ID with a "Successful" status to the GSE to which they plan to sell the loan before delivering the loan.

The appraisal report data will remain in UCDP and with the GSE(s) you designated, even though the loan was not delivered to either GSE.

The GSEs require appraisal reports to be submitted to UCDP before the loan is delivered. Lenders should submit appraisal reports as early as possible to allow ample time for corrections before funding is expected or required. If there are data errors, UCDP will require the appraiser to correct the appraisal report before UCDP will provide a “Successful” status, which is required for loan delivery.

Lenders must follow each GSE’s requirements and the lender’s own policies relative to retaining hard copies of appraisal reports.

An appraisal report that is submitted to UCDP and receives a Doc File ID can be viewed in UCDP for up to three years. If an appraisal report is modified and the original submission needs to be updated, users can replace the original submission or add another appraisal report, as appropriate. An update or replacement could be required, for example, for an appraisal report that supports a new construction loan or when an appraisal report is no longer valid because of the age of the appraisal report. Each GSE has its own requirements regarding the age of the appraisal report and when a new or replacement appraisal report should be uploaded to UCDP.

The following browsers have been tested with UCDP and provide the best user experience:  

• Google Chrome^™
• Microsoft Edge^®

Users may encounter unexpected behavior and/or loss of some functionality if using a prior version of a compatible browser above or a browser not listed above.

As of June 14, 2025, to streamline navigation within UCDP, the Upload Confirmation Report page, which previously displayed after a UCDP submission, was retired. UCDP now navigates directly to the Appraisal View/Edit page, where users can access submission information, status of the submission (Successful, Not Successful or In Progress), appraisal information and history of the submission.

Yes, as of June 14, 2025, the UCDP UI will allow searches based on Lender Loan Number or Doc File ID from the UCDP Home page or in the navigation bar. Reference the UCDP User Guide for more information.

As of June 14, 2025, the “Recently Viewed Files” section shows the user’s five most recently viewed appraisal reports so they can access their files faster. Reference the UCDP User Guide for more information.

Learning resources can be found on the Freddie Mac UCDP webpage.

Certain Freddie Mac proprietary findings are associated with an automatically overridden hard stop to give you an opportunity to incorporate these findings and hard stops into your existing business processes. Automatically overridden hard stops are identified by “FRE800”.

Some Freddie Mac proprietary findings are associated with a non-overridable hard stop. For example, “FRE4387” indicates the appraiser’s name has not been provided; in this case, the appraisal report must be corrected to include the appraiser’s name and resubmitted to UCDP to receive a successful status. This is a Fatal hard stop identified by “FRE700”.

UAD 3.6 submissions will receive a flattened out and more simplified finding’s structure that does not associate Freddie Mac proprietary findings with a hard stop.

Refer to the Collateral Feedback Messages: Loan Collateral Advisor and UCDP for UAD 3.6 for a comprehensive list of findings that can be returned on the Freddie Mac UAD 3.6 Submission Summary Report (SSR).

Yes, certain Freddie Mac proprietary findings have a fatal severity. These findings may not be manually overridden. These appraisal reports must be corrected and resubmitted for the corresponding loan to be sold to Freddie Mac. For example, “FRE4645” is a fatal finding for properties reported to have a C6 condition rating or a Q6 quality rating. This finding may not be overridden because the collateral does not meet Single-Family Seller/Servicer Guide (Guide) requirements. If the condition or quality was reported in error, the appraisal report may be corrected and resubmitted to UCDP. A new Loan Collateral Advisor^® assessment is produced for each UCDP submission.

Refer to Proprietary UCDP Feedback Messages for UAD 2.6 and Freddie Mac Collateral Feedback Messages: Loan Collateral Advisor and UCDP for UAD 3.6 for more information.

Findings are designed to assist you in managing risk by providing a more in-depth view into the quality and accuracy of appraisal report submissions. We anticipate that you will be unable to clear certain findings, but you should consider all findings that are returned.

The messages provide clear and actionable feedback that offers insight into the quality and accuracy of the appraisal report you’ve submitted. Feedback includes the LCA Risk Score and distinct messaging to help you identify and correct issues earlier in the process. Feedback can also lead to operational efficiencies as you focus on quality control efforts.

For UAD 2.6 submissions, refer to the Freddie Mac Loan Collateral Advisor proprietary message list.

For UAD 3.6 submissions, refer to the Freddie Mac Collateral Feedback Messages: Loan Collateral Advisor and UCDP for UAD 3.6   for a comprehensive list of findings that can be returned on the Freddie Mac UAD 3.6 Submission Summary Report (SSR).

For UAD 2.6 submissions, Loan Collateral Advisor messages are in the Appraisal: Findings section of the UCDP report under the Freddie Mac tab. They are also on the SSR under Freddie Mac Proprietary Edit Findings and are available through the UCDP DI. 

For UAD 3.6 submissions, Loan Collateral Advisor messages are on the Freddie Mac UAD 3.6 SSR.

The LCA risk score offers insight into Loan Collateral Advisor's view of the appraisal valuation, to help you identify valuation issues and focus your quality control efforts. We have designed a risk score reference job aid, located on the UCDP web page, to help you better understand the risk score and how it applies to your appraisal reports.

The following are possible reasons why HVE results may not be available for the subject property: 

• The submitted property address could not be verified by HVE.
• The property is a newly constructed home and information on the property is not yet available to HVE.
• The property is in an area where HVE does not have enough data to generate a value with a sufficient degree of confidence (e.g., rural properties).
• The property is a manufactured home or a 2- to 4-unit property. HVE does not provide data on these property types.
• In some areas, assessment records are not available and HVE must complete the valuation using only the repeat sales method, meaning HVE must have prior transaction information to be able to complete the valuation. If no prior sales data is available in the area, a valuation cannot be completed.
• HVE performs statistical audit on its results. If the forecast standard deviation is too high, HVE will not produce a value.