UCDP (Uniform Collateral Data Portal) is a joint Fannie Mae and Freddie Mac platform for electronic submission and validation of residential appraisal data. All appraisals for conventional loans sold to Fannie Mae or Freddie Mac must be submitted through UCDP before loan delivery. The portal performs automated checks and assigns a Submission Summary Report (SSR) that flags potential issues.
UCDP launched in 2012 to standardize appraisal data collection and enable automated risk assessment. Understanding UCDP helps lenders and AMCs avoid submission rejections and streamline loan delivery.
Uniform Collateral Data Portal KEY FACTS
Launched: 2012
Operated by: Fannie Mae and Freddie Mac (jointly)
Required for: All conventional loans sold to GSEs
Data format: Currently UAD (transitioning to UAD 3.6 by November 2026)
Output: Submission Summary Report (SSR)
How Uniform Collateral Data Portal Submission Works
Step 1: Appraisal Completion
The appraiser completes the appraisal using UAD-compliant software. The completed appraisal is delivered to the AMC or lender.
Step 2: Pre-Submission Review
The AMC or lender reviews the appraisal for quality and completeness. Many organizations perform pre-submission validation to catch issues before UCDP submission.
Step 3: UCDP Submission
The appraisal data file is submitted electronically. Either the AMC or lender can submit. Each submission receives a unique Document File ID (DOCFILEID).
Step 4: Automated Validation
UCDP performs automated checks: data completeness, format compliance, internal consistency, and risk flag identification. This generates the Submission Summary Report.
Step 5: SSR Review and Resolution
The lender reviews the SSR to identify flags requiring attention. Hard stops must be resolved. Warnings require review but may not prevent delivery.
Step 6: Loan Delivery
The DOCFILEID is included with loan delivery to Fannie Mae or Freddie Mac. The GSE matches appraisal data with the loan file.
What the Submission Summary Report (SSR) Contains
The SSR is the primary output of UCDP submission:
- Hard Stops: Critical errors preventing acceptance. Must be corrected and resubmitted.
- Warnings: Potential issues flagged for lender review. May not prevent delivery but require attention.
- Messages: Informational items that may affect risk assessment or require documentation.
- CU (Collateral Underwriter) Flags: Risk scores and flags from Fannie Mae’s automated valuation tool.
- LCA (Loan Collateral Advisor) Flags: Risk assessment from Freddie Mac’s automated tool.
Common Causes of Uniform Collateral Data Portal Rejections
Data Format Errors
- Invalid or missing UAD standardized responses
- Incorrect condition or quality rating formats
- Date format errors
Missing Required Data
- Incomplete property address information
- Missing appraiser license numbers
- Blank required fields
Internal Inconsistencies
- GLA totals that don’t match room counts
- Condition ratings inconsistent with description
- Sale date/price mismatches with MLS data
Guideline Violations
- Comparable sales outside acceptable distance/time parameters
- Adjustment percentages exceeding thresholds without explanation
- Missing required certifications or exhibits
How to Reduce Uniform Collateral Data Portal Rejections
- Pre-submission validation: Use automated tools to check data before UCDP submission
- AMC quality review: Work with AMCs that review appraisals before submission
- Appraiser training: Ensure appraisers understand UAD formatting requirements
- Software updates: Keep appraisal software current with latest UAD specifications
- Track patterns: Monitor rejection reasons to identify systemic issues
Uniform Collateral Data Portal and UAD 3.6
UCDP will require UAD 3.6 format for all submissions starting November 2, 2026. Key changes include:
- New data structure based on MISMO 3.6 standard
- Expanded data fields for property characteristics
- Redesigned condition and quality rating systems
- New form layouts requiring software updates
Lenders and AMCs should begin UAD 3.6 preparation now to ensure smooth transition before the mandatory deadline.
“UCDP submission is where appraisal quality becomes measurable. A strong first-submission acceptance rate indicates good upstream quality control. We monitor UCDP outcomes closely because they tell us whether our review processes are working.”
— Brent Jones, CEO and Founder, R3 AMC
Frequently Asked Questions
Who submits appraisals to UCDP – the AMC or the lender?
Either can submit, depending on the workflow arrangement. Many lenders delegate UCDP submission to their AMC. Others prefer to submit directly for visibility and control. The submitter receives the SSR and is responsible for resolving any issues.
Is UCDP required for FHA or VA loans?
No. UCDP is specifically for Fannie Mae and Freddie Mac (conventional/conforming) loans. FHA uses the EAD (Electronic Appraisal Delivery) portal. VA has separate appraisal submission requirements through its WebLGY system.
What is a DOCFILEID?
The DOCFILEID is a unique identifier assigned to each appraisal submission in UCDP. It links the appraisal data to the loan file during delivery to Fannie Mae or Freddie Mac. The DOCFILEID must be included in the loan delivery package.
Can an appraisal be resubmitted to UCDP after corrections?
Yes. If the initial submission generates hard stops or requires corrections, the corrected appraisal can be resubmitted. The new submission receives a new DOCFILEID. Lenders should use the most recent DOCFILEID for loan delivery.
About R3 AMC
R3 AMC handles UCDP submission as part of our appraisal management services, with pre-submission quality review designed to maximize first-submission acceptance rates. As a UAD 3.6 beta tester, we are actively preparing for the transition to new UCDP requirements. Founded by Brent Jones, a former Fannie Mae senior analyst, R3 AMC understands GSE requirements from the inside.
Want to learn more about R3 AMC visit our website.