Uniform Appraisal Dataset (UAD)
A standardized data specification developed by Fannie Mae and Freddie Mac that defines how appraisal data fields must be completed, ensuring consistency and enabling automated analysis of appraisal reports.
The UAD was first introduced in 2011 and has been significantly updated with version 3.6. It standardizes responses for fields such as condition (C1-C6), quality (Q1-Q6), view, location, and other property characteristics using predefined codes and formats. UAD compliance is mandatory for all conventional mortgage appraisals delivered to the GSEs. The standardization enables automated collateral underwriting (ACU) systems to flag potential issues and compare appraisals across the national database. UAD 3.6 represents a major redesign with expanded data fields and new form layouts.
Related Terms
UAD Condition Ratings (C1–C6)
A standardized six-level scale for rating the physical condition of a property's improvements, ranging from C1 (new or recently constructed) to C6 (in need of substantial repairs and rehabilitation)..
UAD Quality Ratings (Q1–Q6)
Q1-Q6A standardized six-level scale for rating the quality of a property's construction, ranging from Q1 (highest quality, custom-built luxury) to Q6 (basic or substandard quality construction)..
Uniform Residential Appraisal Report (URAR)
URARThe standard appraisal report form (Fannie Mae Form 1004 / Freddie Mac Form 70) used for most single-family residential mortgage appraisals.
Fannie Mae (Federal National Mortgage Association)
FNMAA government-sponsored enterprise (GSE) that purchases and securitizes residential mortgages, setting appraisal standards and form requirements that apply to the majority of conventional mortgage loans in the United States..
Uniform Collateral Data Portal (UCDP)
UCDPA web-based portal operated by Fannie Mae and Freddie Mac where appraisal reports are electronically submitted and checked for UAD compliance, data quality, and potential red flags before delivery to lenders..
More in UAD & GSE Standards
View allElectronic Appraisal Delivery (EAD)
EADFreddie Mac's portal for electronic submission and quality review of appraisal reports.
MISMO (Mortgage Industry Standards Maintenance Organization)
MISMOThe standards body that develops and maintains the XML data formats used for electronic exchange of mortgage industry data, including appraisal reports.
Freddie Mac (Federal Home Loan Mortgage Corporation)
FHLMCA government-sponsored enterprise (GSE) that purchases and securitizes residential mortgages.
Collateral Underwriter (CU)
CUFannie Mae's automated appraisal risk assessment tool that scores appraisals on a scale of 1.0 to 5.0 based on comparable selection, adjustment accuracy, and other quality factors.