source:
  type: guide
  id: fhlmc-5606.1
  authority: Freddie Mac Single-Family Seller/Servicer Guide Section 5606.1 — Uniform
    Appraisal Dataset (UAD)
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 5606.1 — Uniform
    Appraisal Dataset (UAD).
  coverage_tier: operative
obligations:
- id: fhlmc-5606.1-full
  canonical_id: fhlmc-5606.1-full
  section: Freddie Mac Single-Family Seller/Servicer Guide Section 5606.1 — Uniform
    Appraisal Dataset (UAD)
  type: do
  tags:
  - regulator-direct
  - fhlmc
  - freddie-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 5606.1 — Uniform
      Appraisal Dataset (UAD)
    source_class: fhlmc-guide
    source_url: https://guide.freddiemac.com/ci-guide
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-05-23T00:27:40Z'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '5606.1: Uniform Appraisal Dataset (UAD) (01/26/26) Refer to
      Bulletin 2025-7, which announced the policy requirements for Uniform Appraisal
      Dataset (UAD) 3.6. Sellers may submit to the Uniform Collateral Data Portal®
      appraisal reports that use UAD 3.6 before the mandatory effective November 2,
      2026 version of this section. This section contains information and requirements
      related to the: ■ Uniform Appraisal Dataset (UAD) ■ Use of UAD (a) UAD The UAD
      standardizes key appraisal data elements for a subset of fields on certain uniform
      residential appraisal report forms and includes all data points required to
      complete the appraisal report forms. The UAD Specification documents the business
      and technical requirements for the implementation of the UAD. The UAD Specification,
      which may be amended from time to time, can be found on www.freddiemac.com.
      Appendix D provides field-specific standardization requirements for completing
      Freddie Mac’s residential appraisal report forms that are required to be completed
      using the UAD. Appendix D lists the requirements for the data that must be included
      in specific forms and how the data should be reported on the appraisal report
      form. (b) Use of UAD The following appraisal report forms must be completed
      using the UAD in accordance with Appendix D when reporting results of an appraisal:
      ■ Form 70, Uniform Residential Appraisal Report ■ Form 70D, Uniform Residential
      Appraisal Report (Desktop) ■ Form 70H, Uniform Residential Appraisal Report
      (Hybrid) Freddie Mac Single-Family Seller/Servicer Guide Chapter 5606 As of
      01/26/26 Page 5606-2 ■ Form 465, Individual Condominium Unit Appraisal Report
      ■ Form 465H, Individual Condominium Unit Appraisal Report (Hybrid) ■ Form 466,
      Exterior-Only Inspection Individual Condominium Unit Appraisal Report ■ Form
      2055, Exterior-Only Inspection Residential Appraisal Report Other appraisal
      report forms may be completed using the standards contained in the UAD Specification
      to the extent those standards are applicable to that particular form. 5606.1:
      Uniform Appraisal Dataset (UAD) (Future effective date 11/02/26) This section
      contains information and requirements related to the: ■ Uniform Appraisal Dataset
      (UAD) ■ Use of UAD (a) UAD The UAD standardizes key appraisal data elements
      for the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update
      Reports and Completion Reports and includes all data points required to complete
      the reports. The UAD Specification documents the business and technical requirements
      for the implementation of the UAD. The UAD Specification, which may be amended
      from time to time, can be found on www.freddiemac.com. Appendix F-1 provides
      field-specific standardization requirements for completing Freddie Mac’s residential
      appraisal reports that are required to be completed using the UAD. Appendix
      F-1 lists the requirements for the data that must be included for specific property
      types and how the data should be reported on the appraisal report. Appendix
      F-2 provides field-specific standardization requirements for completing Freddie
      Mac’s Restricted Appraisal Update Reports that are required to be completed
      using the UAD. Appendix F-2 lists the requirements for the data that must be
      included and how the data should be reported on the appraisal update report.
      Appendix F-3 provides field-specific standardization requirements for completing
      Freddie Mac’s Completion Reports that are required to be completed using the
      UAD. Appendix F-3 lists the requirements for the data that must be included
      and how the data should be reported on the completion report. Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 5606 As of 01/26/26 Page 5606-3 (b) Use of UAD
      Appraisal reports must be completed using the UAD in accordance with Appendix
      F-1 when reporting results of an appraisal, Appendix F-2 when reporting the
      results of an appraisal update and Appendix F-3 when reporting results of a
      completion report. The following appraisal report review forms may be completed
      using the standards contained in the UAD Specification to the extent those standards
      are applicable to that particular appraisal review report form: ■ Form 1032,
      One-Unit Residential Appraisal Field Review Report ■ Form 1033, One-Unit Residential
      Appraisal Desk Review Report ■ Form 1072, Two- to Four-Unit Residential Appraisal
      Field Review Report 5606.2: Uniform Collateral Data Portal® (UCDP®) (01/26/26)
      Refer to Bulletin 2025-7, which announced the policy requirements for Uniform
      Appraisal Dataset (UAD) 3.6. Sellers may submit to the Uniform Collateral Data
      Portal® appraisal reports that use UAD 3.6 before the mandatory effective November
      2, 2026 version of this section. This section contains information and requirements
      related to the: ■ Uniform Collateral Data Portal® (UCDP®) ■ Delivery of appraisals
      through the UCDP ■ UCDP messaging ■ Data submitted to the UCDP (a) UCDP The
      UCDP is a portal for the electronic collection and delivery of certain appraisal
      report forms and the associated appraisal data to Freddie Mac. Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 5606 As of 01/26/26 Page 5606-4 (b) Delivery of
      appraisals through the UCDP For Mortgages that require appraisal reports, the
      following appraisal report forms, including all exhibits and addenda, must be
      submitted to the UCDP and receive a “Successful” status before the Delivery
      Date of the Mortgage: ■ Form 70, Uniform Residential Appraisal Report ■ Form
      70B, Manufactured Home Appraisal Report ■ Form 70D, Uniform Residential Appraisal
      Report (Desktop) ■ Form 70H, Uniform Residential Appraisal Report (Hybrid) ■
      Form 72, Small Residential Income Property Appraisal Report ■ Form 465, Individual
      Condominium Unit Appraisal Report ■ Form 465H, Individual Condominium Unit Appraisal
      Report (Hybrid) ■ Form 466, Exterior-Only Inspection Individual Condominium
      Unit Appraisal Report ■ Form 2055, Exterior-Only Inspection Residential Appraisal
      Report ■ Fannie Mae Form 2090, Individual Cooperative Interest Appraisal Report
      Sellers have the option of submitting Form 442, Appraisal Update and/or Completion
      Report, to the UCDP. Freddie Mac appraisal report forms not listed above must
      not be submitted to the UCDP. Sellers may use the UCDP as a tool to aid in determining
      UAD compliance. However, the submission of appraisal report forms to the UCDP
      does not relieve the Seller from Freddie Mac appraisal requirements, including
      the requirement that the appraisal report must comply with Appendix D of the
      UAD, and does not affect Seller representations and warranties regarding appraisals
      and the Mortgaged Premises. The Seller’s ability to select an appraisal management
      company or other party in connection with the use of the UCDP does not constitute
      Freddie Mac’s endorsement or approval of the appraisal management company or
      other party and does not relieve Seller of any obligations pursuant to the Guide
      or Seller’s other Purchase Documents, including the requirements in Section
      3101.1 related to the Freddie Mac Exclusionary List. (c) UCDP messaging Freddie
      Mac Single-Family Seller/Servicer Guide Chapter 5606 As of 01/26/26 Page 5606-5
      When an appraisal report is submitted to the UCDP, the Seller may receive a
      variety of feedback messages designed to assist the Seller in evaluating the
      appraisal report to determine whether it meets the requirements of this topic
      (e.g., the accuracy of the appraiser’s opinion of market value, UAD compliance,
      etc.). The Seller should be prepared to address these feedback messages as part
      of their appraisal report review and property underwriting process. For certain
      Mortgages, the Seller may receive a message indicating the appraisal report
      is eligible for collateral representation and warranty relief. See Section 5602.2
      for more details and eligibility requirements related to this representation
      and warranty relief. Note: The presence of one or more feedback message(s) with
      a “warning” severity indicator does not prevent the “successful” submission
      of an appraisal report to the UCDP and does not deem the property ineligible
      or the appraisal report unacceptable. In addition, the absence of feedback messages
      does not represent Freddie Mac’s acceptance of the appraised value or relief
      from Seller representations and warranties. (d) Data submitted to the UCDP Freddie
      Mac and its agents and contractors have the right to use, reproduce, modify,
      disclose, sublicense, distribute and retain all information and data submitted
      to the UCDP for delivery to Freddie Mac. This includes any fields on an appraisal
      report and the contents thereof, all information and data entered by the Seller
      or on the Seller’s behalf and any other information and data obtained by or
      transmitted through the UCDP (collectively, the “UCDP Data”). Freddie Mac may
      use this data for any purpose related to: 1. The UCDP, the appraisal report,
      the loan and any securities related to the UCDP Data 2. Analytics, modeling,
      quality control, fraud detection, information security and similar purposes
      3. Data and services obtained or provided by Freddie Mac 4. Internal functions,
      including, without limitation, system monitoring, maintenance and security 5.
      Compliance with applicable laws, regulations, court orders and the order of
      an agency that either regulates or has jurisdiction over Freddie Mac; and 6.
      Enforcement of Freddie Mac’s rights and remedies 5606.2: Uniform Collateral
      Data Portal® (UCDP®) (Future effective date 11/02/26) Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 5606 As of 01/26/26 Page 5606-6 This section contains
      information and requirements related to the: ■ Uniform Collateral Data Portal®
      (UCDP®) ■ Delivery of appraisals through the UCDP ■ UCDP messaging ■ Data submitted
      to the UCDP (a) UCDP The UCDP is a portal for the electronic collection and
      delivery of appraisal reports and the associated appraisal data to Freddie Mac.
      (b) Delivery of appraisals through the UCDP For Mortgages that require appraisal
      reports, the appraisal report, including all exhibits, must be submitted to
      the UCDP and receive a “Successful” status before the Delivery Date of the Mortgage.
      Sellers must submit the Restricted Appraisal Update Report and the Completion
      Report to the UCDP. Sellers may use the UCDP as a tool to aid in determining
      UAD compliance. However, the submission of appraisal reports to the UCDP does
      not relieve the Seller from Freddie Mac appraisal requirements, including the
      requirement that the appraisal report must comply with Appendix F-1, F-2 or
      F-3 of the UAD, and does not affect Seller representations and warranties regarding
      appraisals and the Mortgaged Premises. The Seller’s ability to select an appraisal
      management company or other party in connection with the use of the UCDP does
      not constitute Freddie Mac’s endorsement or approval of the appraisal management
      company or other party and does not relieve Seller of any obligations pursuant
      to the Guide or Seller’s other Purchase Documents, including the requirements
      in Section 3101.1 related to the Freddie Mac Exclusionary List. (c) UCDP messaging
      When an appraisal report is submitted to the UCDP, the Seller may receive a
      variety of feedback messages designed to assist the Seller in evaluating the
      appraisal report to determine whether it meets the requirements of this topic
      (e.g., the credibility of the appraisal report, UAD compliance). The Seller
      should be prepared to address these feedback messages as part of their appraisal
      report review and property underwriting process. For certain Mortgages, the
      Seller may receive a message indicating the appraisal report is eligible for
      collateral representation and warranty relief. See Section 5602.2 for more details
      and eligibility requirements related to this representation and warranty relief.
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 5606 As of 01/26/26
      Page 5606-7 Note: The presence of one or more feedback message(s) with a “warning”
      severity indicator does not prevent the “successful” submission of an appraisal
      report to the UCDP and does not deem the property ineligible or the appraisal
      report unacceptable. In addition, the absence of feedback messages does not
      represent Freddie Mac’s acceptance of the appraised value or relief from Seller
      representations and warranties. (d) Data submitted to the UCDP Freddie Mac and
      its agents and contractors have the right to use, reproduce, modify, disclose,
      sublicense, distribute and retain all information and data submitted to the
      UCDP for delivery to Freddie Mac. This includes any fields on an appraisal report
      and the contents thereof, all information and data entered by the Seller or
      on the Seller’s behalf and any other information and data obtained by or transmitted
      through the UCDP (collectively, the “UCDP Data”). Freddie Mac may use this data
      for any purpose related to: 1. The UCDP, the appraisal report, the loan and
      any securities related to the UCDP Data 2. Analytics, modeling, quality control,
      fraud detection, information security and similar purposes 3. Data and services
      obtained or provided by Freddie Mac 4. Internal functions, including, without
      limitation, system monitoring, maintenance and security 5. Compliance with applicable
      laws, regulations, court orders and the order of an agency that either regulates
      or has jurisdiction over Freddie Mac; and 6. Enforcement of Freddie Mac’s rights
      and remedies'
  judgment: false
