Fannie Mae and Freddie Mac launch updated UAD 3.6 appraisal reporting dataset

Fannie Mae and Freddie Mac mandated the implementation of UAD 3.6 on November 2, 2026, according to reports from HousingWire and MPA Magazine. MPA Magazine reported that all new appraisal reports submitted to the Uniform Collateral Data Portal for loans sold to the government sponsored entities must now utilize the redesigned Uniform Appraisal Dataset. [1][2]

HousingWire reported that UAD 3.6 requires appraisers to pick specific data points from drop-down menus for every property feature, replacing traditional narrative text descriptions. This process increases the overall volume of detail delivered to Fannie Mae and Freddie Mac. [1]

HousingWire also reported that UAD 3.6 includes Certification 25, a provision established by the government sponsored entities that expands data reuse rights beyond previous UAD 2.6 parameters. Certification 25 permits lenders, government sponsored entities, and vendors to store, analyze, and distribute appraisal report data, including interior property photos. [1]

Real estate appraisal involves assessing the value of real property. As FTMQ Real Estate reported earlier, implementation of UAD 3.6 was set for November 2, 2026, amid ongoing industry debates over off-market listings and property photo privacy. [3][4]

MPA Magazine reported that UAD 3.6 replaces legacy appraisal forms with a single Uniform Residential Appraisal Report, marking the first full redesign of appraisal reporting in over ten years. MPA Magazine noted that the core underlying methods for how properties are valued will remain unchanged for mortgage brokers. [2]