Scope, Timing, and Practical Impacts
The Uniform Appraisal Dataset (UAD) 3.6 introduces a redesigned appraisal reporting structure for loans delivered to Fannie Mae and Freddie Mac. The change replaces legacy, form-number-based reporting with a standardized, data-driven format.
The new format is dynamic, more consistent, and eliminates the need for multiple appraisal forms across property types. It improves data quality and supports a smoother, more transparent underwriting process. This page summarizes key dates, scope, and practical impacts without getting into technical documentation.
Limited production participants may begin submitting UAD 3.6 (no confirmed participants at time of writing).
Optional: all lenders may begin submitting to the GSEs' production environment without prior approval.
Mandate: lenders must use UAD 3.6 for all new submissions on or after this date.
Works for SFRs, condos, co-ops, 2–4 units, manufactured homes, and more.
Sections expand or collapse depending on property characteristics.
More clarity in condition and quality ratings, aligned with new definitions.
Exterior photos are still required, but drive-bys are no longer mandatory.
For condos and co-ops, new fields capture project condition separately from unit condition.
Clearer commentary sections, better data tagging, and cleaner formatting.
Our appraiser survey reflects a broad recognition that UAD 3.6 represents a meaningful change in how residential appraisals are produced, reviewed, and delivered. Appraisers consistently describe the new URAR as more detailed, more structured, and more reliant on standardized data than prior forms.
The change is broadly accepted, but it is not viewed as neutral in terms of time or cost.
Most appraisers anticipate longer completion times under UAD 3.6, with many expecting increases of 20% or more once fully implemented. No respondents expect the new form to reduce production time.
Nearly two-thirds of appraisers do not believe existing fee structures are sufficient for UAD 3.6 assignments. Anticipated fee adjustments cluster around moderate to meaningful increases, reflecting added production effort rather than discretionary pricing changes.
We work directly with lenders to navigate the UAD 3.6 transition in a practical, assignment-level way. We encourage lenders to schedule one-on-one meetings with our team to walk through their current appraisal workflows, identify potential friction points, and assess where UAD 3.6 may introduce added time or cost.
Contact Us to Learn More →