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Uniform Appraisal Dataset

New and Updated UAD Redesign Documentation

The Uniform Appraisal Dataset (UAD) and Forms Redesign team has released additional documentation and updated one existing document to support ongoing implementation efforts. These resources supplement the initial documentation released in March 2023 – kicking off industry development and preparation for the new appraisal data set and report – along with subsequent documents published in 2023 and 2024.

  • New: Functioning without Form Numbers: Mapping Legacy Forms to Redesigned Uniform Residential Appraisal Report (URAR) Property Type Characteristics – Helps the transition to the new report by providing clarification on how existing appraisal form numbers map to the URAR’s new dynamic structure and discrete and repeatable data. 
  • New: Lender Readiness Kit – Supplement to the previously published Partner Playbook. It helps lenders prepare for and adopt the updated UAD and retire the existing appraisal forms. It offers timelines and roadmaps to keep lenders on track, and additional resources to learn more along the way.
  • New: UAD Compliance Rules for the Restricted Appraisal Update Report and Completion Report (Appendix H-2, Appendix H-3) – Helps lenders and vendors deliver the XML in compliance with respective delivery specifications (Appendix A-2, Appendix A-3). These rules verify data completeness, validity (format and data type), and reasonableness. Where applicable, the UAD team kept the messaging and rule logic consistent with the UAD Compliance Rules - URAR previously published in September 2023.
  • Updated: UAD Compliance Rules for the Uniform Residential Appraisal Report (URAR) (Appendix H-1) – Aligns with the UAD Delivery Specification and provides further clarification of rule logic and/or message text. Updates are identified in the Revision History section of the document.

UAD Redesign Additional Documentation: Updated Timeline

The Uniform Appraisal Dataset (UAD) and Forms Redesign team has released an updated timeline for the initiative. The overall timeline has not changed; however, we wanted to provide industry with more milestone details to help in the development, testing, and training to prepare for the new UAD and Uniform Residential Appraisal Report (URAR).

View the updated timeline.

Improving the Quality and Consistency of Appraisal Data

Freddie Mac and Fannie Mae (the GSEs) have worked on the UAD redesign since 2018, leveraging extensive stakeholder input to update the appraisal dataset, align it with current mortgage industry data standards (MISMO® v3.6), and replace the GSE appraisal forms with a single data-driven, flexible, and dynamic appraisal report for any residential property type. To begin the multiyear rollout phase, the GSEs have published the technical specifications and resources located on the Technical Resources tab.

Now Playing: UAD Redesign the Movie

    

Additional Resources

UAD Documentation

The following UAD resources provide the actionable documentation needed to translate the data entered on the report into the format required for submission via the UCDP.

UAD 3.6 Subschema Zip File

The UAD documentation leverages the MISMO Version 3.6. The GSEs have created a Subschema that contains only the data elements needed to support the UAD 3.6 specification and includes additional enforcement.

Uniform Residential Appraisal Report

Appendix A-1: UAD URAR Delivery Specification

This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.

Appendix B-1: URAR Implementation Guide (iGuide)

This zip file contains the Implementation Guide and its supplements. The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. The supplements help identify details related to the Comparable Grids, and provide guidance for creating the user interface.

Appendix C-1: URAR Layout

This zip file contains the URAR Layout with Report Field IDs and the URAR Layout without Report Field IDs. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality.

Appendix D-1: URAR Sample Scenarios and XML Files

This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version.

Appendix E: Report Style Guide

This zip file contains the Report Style Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. 

Appendix F-1: URAR Reference Guide

This zip file contains the URAR Reference Guide and its supplement. The Reference Guide provides guidance on how to enter information and how the data will be displayed in the URAR. The supplement summarizes information about the comparable grids.

Appendix G-1: Redesign to Legacy UAD Cross-reference Guide

This document contains the data points, enumerations and xPaths of the redesigned UAD mapped to existing data elements in the Legacy UAD dataset.

Appendix H-1: UAD Compliance Rules - URAR

This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Delivery Specification. These rules verify data completeness, validity (format and data type), and reasonableness.

Appraisal Update

Appendix A-2: UAD Restricted Appraisal Update Report Delivery Specification

This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.

Appendix B-2: Restricted Appraisal Update Report Implementation Guide (iGuide)

This document assists software vendors with data mapping, field formats and the display logic for the PDF representation of the report.

Appendix C-2: Restricted Appraisal Update Report Layout

This zip file contains the Appraisal Update Report Layout with Report Field IDs and the Appraisal Update Report Layout without Report Field IDs. The purpose of these documents is to show all possible Report Labels that may display on the Appraisal Update Report, regardless of conditionality.

Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File

This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version.

Appendix F-2: Restricted Appraisal Update Report Reference Guide

This document provides guidance on how to enter information and how the data will be displayed in the Restricted Appraisal Update Report.

Appendix H-2: UAD Compliance Rules - Update Report

This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Restricted Appraisal Update Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness.

Completion Report

Appendix A-3: UAD Completion Report Delivery Specification

This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.

Appendix B-3: Completion Report Implementation Guide (iGuide)

This document assists software vendors with data mapping, field formats and the display logic for the PDF representation of the report.

Appendix C-3: Completion Report Layout

This zip file contains the Completion Report Layout with Report Field IDs and the Completion Report Layout without Report Field IDs. The purpose of these documents is to show all possible Report Labels that may display on the Completion Report, regardless of conditionality.

Appendix D-3: Completion Report Sample Scenarios and XML Files

This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version.

Appendix F-3: Completion Report Reference Guide

This document provides guidance on how to enter information and how the data will be displayed in the Completion Report.

Appendix H-3: UAD Compliance Rules - Completion Report

This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Completion Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness.

Legacy Resources

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