FAQs: Uniform Collateral Data Portal

Q13.   UPDATED   How does a lender register for and gain access 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 fanniemae.com and freddiemac.com. The lender admin will create access for all general users in the organization directly within UCDP.

Q14.   UPDATED  How do lender agents register for access to UCDP?

Lender agents must complete the UCDP Lender Agent Registration Form on either fanniemae.com or freddiemac.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.

Q15.   UPDATED  Can my organization have more than one lender admin and how do I set them up?

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

To register an additional lender admin with Fannie Mae, complete the applicable form and submit it to [email protected]. Once registration is complete, one of your current lender admins can send an invitation to the additional lender admin.

Q16.   UPDATED  How do I replace a UCDP lender admin?

To replace a lender admin with Fannie Mae, complete the applicable form from the question above and submit it to [email protected]. If there is currently no lender admin, Fannie Mae can help the replacement lender admin get set up and receive the invitation.

Q17.   UPDATED  What if I have questions about the UCDP registration process?

For questions related to registration and submitting appraisal reports to UCDP, contact the joint GSE UCDP Support Center at 1-800-917-9291.

Q18.    UPDATED   What if I cannot remember my UCDP User ID or password?

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.

Q19.    Do UCDP passwords expire?

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.

Q20.    If I am an independent fee appraiser, can I register for access to UCDP?

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

Q21.    If I am a mortgage broker, should I register for access to UCDP?

No, mortgage brokers cannot register for access to UCDP.

Q22.    How will I know whether my appraisal report was submitted successfully to UCDP and meets the requirements of the UAD?

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.

Q23.    How do I ensure the appraisal report was completed using a UAD-compliant form?

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.

Q24.    What is the purpose of the Document File Identifier (Doc File ID) and what is its connection to Loan Delivery?

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.

Q25.    Does the appraiser receive any information or feedback directly from UCDP?

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.

Q26.   UPDATED  How do the UCDP requirements affect lenders that do not sell directly to the GSEs, but rather to an aggregator that sells to a GSE?

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.

Q27.   UPDATED  Can appraisals be transferred from one entity to another (e.g., from a correspondent to an aggregator) within UCDP?

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.

Q28.   NEW!  What will happen to my Lender CorrAgg and Agent Correspondent user roles with the June 14, 2025, update?

Starting June 14, 2025, Lender CorrAgg and Agent Correspondent roles will be retired. However, users with those roles will still have access to UCDP as Lender Users and Agent Users, respectively.

Q29.    Can UCDP support more than one appraisal report for a loan?

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

Q30.   UPDATED  How many appraisal reports can be uploaded to UCDP at once?

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.

Q31.   UPDATED  Is there a limit on the data file size that can be submitted to UCDP?

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.

Q32.    Will the GSEs accept an XML submission with an embedded PDF that is password protected?

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

Q33.    How are revised appraisal reports handled in UCDP?

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.

Q34.    What happens if I get a UAD compliance check message?

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.

Q35.    Do lenders need to determine to which GSE the loan will be sold before submitting the appraisal report to UCDP?

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.  

Q36.    What if I submit an appraisal report to UCDP, but do not deliver the loan to either GSE?

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.

Q37.    When do the GSEs require lenders to submit appraisal reports to UCDP?

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.

Q38.    Is there still a need to keep multiple hard copies of appraisal reports in the loan file?

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

Q39.    How long will the appraisal report be available in UCDP, in case the original submission needs to be updated or replaced?

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.

Q40.    What Internet browsers support 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.

Q41.   NEW!  Where is the Upload Confirmation Report?

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.

Q42.   NEW!  Does UCDP have a Quick Search?

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.  

Q43.   NEW!  What is the “Recently viewed files” section on the UCDP Home page?

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.  

Q44.  What Fannie Mae Appraisal Forms can be submitted to UCDP?

• Fannie Mae accepts the following appraisal forms (in MISMO 2.6 XML formats) in UCDP:
• Uniform Residential Appraisal Report (Fannie Mae Form 1004)
• Manufactured Home Appraisal Report (Fannie Mae Form 1004C)
• Appraisal Update and/or Completion Report (Fannie Mae Form 1004D)
• Uniform Residential Appraisal Report (Desktop) (Fannie Mae Form 1004 Desktop)
• Uniform Residential Appraisal Report (Hybrid) (Fannie Mae Form 1004 Hybrid)
• Small Residential Income Property Appraisal Report (Fannie Mae Form 1025)
• Individual Condominium Unit Appraisal Report (Fannie Mae Form 1073)
• Exterior-Only Inspection Individual Condominium Unit Appraisal Report (Fannie Mae Form 1075)
• Exterior-Only Inspection Residential Appraisal Report (Fannie Mae Form 2055)
• Individual Cooperative Interest Appraisal Report (Fannie Mae Form 2090)
• Exterior-Only Inspection Individual Cooperative Interest Appraisal Report (Fannie Mae Form 2095)

Q45.   Are users expected to clear all findings for Fannie Mae to accept an appraisal report submission?

Findings are provided to assist you in managing risk by providing you with a more in-depth view into the quality and accuracy of appraisal report submissions. We anticipate that some findings may not be able to be cleared, but all findings returned should be considered.

Q46. What is the list of hard stops and warnings that is generated as part of an appraisal report submission?

All the Fannie Mae hard stops and warnings that are generated as part of an appraisal report submission are listed in Appendix A and B of the UCDP User Guide for Fannie Mae Messaging.

Q47.   Whom should I contact if I need UCDP support?

If you have any UCDP questions or need support, please reach out to UCDP Support at 1-800-917-9291. For additional support, please email [email protected].

Q48.   Where can I find more information about Collateral Underwriter?

Visit our Collateral Underwriter page to learn more about Collateral Underwriter.

Q49.   How can customers retrieve appraisal files?

Fannie Mae provides approved lenders with the Appraisal File Retrieval API (AFRA) that enables customers to retrieve their appraisal files. End users can contact the CDDS Integration team at [email protected] to get access to AFRA.

Q50.   How can customers consume Fannie Mae APIs?

External users need Fannie Mae credentials to consume our APIs. Creating credentials requires a Technology Manager User account. To get started, visit the Fannie Mae Technology Manager page.