Uniform Collateral Data Portal FAQ

Yes, both GSEs accept the same file formats for electronic submission of data in the uniform residential appraisal report forms through UCDP. Information about acceptable file formats, including the preferred format (XML), can be found on both GSEs' websites.

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.

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

Yes, most appraisal form software vendors have integrated the ability to produce and transmit a complete XML file. Lenders should evaluate their processes and requirements and consider requiring the appraiser to send the appraisal report file in XML format. Lender submissions of the appraisal report XML file produced by the appraiser helps 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 1-800-917-9291.

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 the appraisal report uses a UAD-compliant form by checking the version date footer at the bottom of each page of the appraisal report form. UAD-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-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-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 a 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) is being retired; June 13, 2025, is the last day to use the feature. UCDP UI users who have Lender CorrAgg and Correspondent Agent user roles will no longer be able to navigate to and access specific Share Appraisal webpages within the UCDP UI. This includes the Share Appraisal Navigation tab with drop-down options for Share Appraisals and Retrieve Appraisals, as well as the Share Appraisal icon that appears on the Home page for these specific roles.

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 status, findings, and SSR through the DI, will maintain the ability to create and modify their Aggregator Set-up through the Account Administration drop-down in the UCDP UI.

Starting June 14, 2025, Lender CorrAgg and Agent Correspondent users will still have access to UCDP as Lender Users and Agent Users, respectively.

Yes, if necessary, UCDP can support up to three appraisal reports per loan.

Starting June 14, 2025, the simplified Submit Appraisal page in UCDP 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.

Yes, a data file cannot exceed 15 MB (for an XML file with an embedded PDF). System performance could be slower for individual files larger than 6MB.

No, the GSEs will not accept appraisal reports that require a password to open the embedded PDF.

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 to which GSE they will sell the loan before submitting the appraisal report. 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 will provide the best user experience:

• Google Chrome^™
• Microsoft Edge^®
• Mozilla Firefox^®
   

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.
 

Starting June 14, 2025, to streamline navigation within UCDP, the Upload Confirmation Report page will no longer be displayed. Previously, this report page displayed after a UCDP submission. Going forward, UCDP will navigate 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, starting 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 UI Changes - June 2025” job aid for more information.

Starting 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 UI Changes - June 2025” job aid for more information.

Freddie Mac proprietary findings are associated with an automatically overridden hard stop, giving you the opportunity to incorporate these new findings and hard stops into your existing business processes. Automatically overridden hard stops are identified by “FRE800”. Some Freddie Mac proprietary findings are additionally associated with a non-overridable hard stop. For example, “FRE4387” indicates the appraiser’s name has not been provided; Iin this case, the appraisal report must be corrected to include the appraiser’s name, then resubmitted to UCDP, to receive a successful status. This is a Fatal hard stop identified by “FRE700”.

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 or Q6 quality rating. This finding may not be overridden because the collateral does not meet Freddie Mac 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 some findings will not be able to be cleared, but lenders should consider all findings 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.

The Freddie Mac Loan Collateral Advisor proprietary message list is available on the Loan Collateral Advisor web page and the UCDP web page.

Loan Collateral Advisor messages are in the Appraisal: Findings section of the UCDP report under the Freddie Mac tab. They can also be found on the SSR under Freddie Mac Proprietary Edit Findings and are available through the UCDP direct integration.

The LCA risk score offers insight into Loan Collateral Advisor's view of the appraisal valuation, enabling you to 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 mayare 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 valuate. 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.