Delivering

Uniform Appraisal Dataset

Improving the quality and consistency of appraisal data

Fannie Mae and Freddie Mac (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 below.

 

Q4 2024 Update

Industry Training for the New UAD and URAR

The new Uniform Appraisal Dataset (UAD) training to educate all stakeholders about using the dynamic appraisal reports and updated dataset is available. This training is of particular value to lenders and software providers and will provide the requisite knowledge and skills to use, implement and transition to the new URAR.

Fannie Mae and Freddie Mac (the GSEs) collaborated to develop consistent training for all stakeholders. This training includes the Appraisal Update Report and the Completion Report, which are separate from the Uniform Residential Appraisal Report (URAR).

While appraisers are welcome to take this training, we have created an appraiser-specific course, available through appraisal education providers, that will allow appraisers to obtain continuing education (CE) credit. That training will be available beginning in 2025.

The industry training contains 17 modules and takes at least 4 hours to complete. It is recommended that each module be completed in order, but users may complete it in any order they wish.

Learning Objectives:

  • Explore the dynamic appraisal reports (URAR, Appraisal Update Report, and Completion Report) and the transition to eliminate property type-specific forms
  • Become familiar with the new reporting features of the appraisal reports
  • Learn the basics of the new UAD
  • Examine expanded data requirements

It is recommended that users access the following Reference Materials from the Fannie Mae UAD webpage prior to taking the training.

Appendix C: Report Layouts

Appendix D: Sample Scenarios

Appendix F: Reference Guide

 

Updated UAD Redesign Timeline with Specific Implementation Dates

Read the full announcement and view the detailed timeline.

Contact Us

Use this form to submit feedback and ask questions about the UAD and Forms Redesign initiative. 

Contact the UAD Team

 

Key Resources

NEW: Industry Training for the New UAD and URAR
New URAR course educates industry on the dynamic appraisal reports and updated dataset.

Updated UAD Redesign Timeline with Specific Implementation Dates
Detailed timeline outlines specific dates for each implementation phase to help the industry prepare.

New Lender Readiness Kit
Supplement to the previously published Partner Playbook. This document 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.

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.

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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.

Appendix A-1: 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

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 with Report Field IDs document and the URAR without Report Field IDs document. 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 Syle 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.

Appendix A-2: 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

The Implementation Guide 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 Restricted Appraisal Update Report with Report Field IDs document and the Restricted Appraisal Update Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Restricted Appraisal Update Report, regardless of conditionality.

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

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

Appendix E: Report Style Guide

This zip file contains the Report Syle 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-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 – Restricted Appraisal 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.

Appendix A-3: 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

The Implementation Guide 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 with Report Field IDs document and the Completion Report without Report Field IDs document. 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 E: Report Style Guide

This zip file contains the Report Syle 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-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.

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.

 

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Learn more about how this multi-year project will enhance appraisal data quality and consistency.

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