The appraisal industry is entering a new era. With UAD 3.6, the Uniform Residential Appraisal Report (URAR) evolves from a static PDF into a dynamic, data-driven format—unlocking greater consistency, analytics-driven insights, and faster delivery across lender workflows.
To help our lender partners stay ahead, Nationwide Appraisal Network (NAN) hosted an exclusive webinar on how these changes will impact underwriting, data management, and overall valuation workflows.
UAD 3.6 is the latest update to the Uniform Appraisal Dataset, part of Fannie Mae and Freddie Mac’s broader Uniform Mortgage Data Program (UMDP). It introduces a modernized appraisal data format (transitioning from XML to MISMO 2.6 XML) and a new, flexible data structure that better supports evolving appraisal needs.
The GSEs are updating the dataset to improve consistency, accuracy, and the ability to adapt to new property types and lending scenarios. It also aligns the appraisal process more closely with modern data standards.
The transition of the Uniform Residential Appraisal Report (URAR) under UAD 3.6 enters Limited Production on September 8, 2025, when a small group of approved lenders will be allowed to submit UAD 3.6 reports to the Uniform Collateral Data Portal (UCDP). The Broad Production period begins on January 26, 2026, when all lenders may begin submitting UAD 3.6 without prior GSE approval.
UAD 3.6 becomes mandatory on November 2, 2026, when all new appraisal submissions must use UAD 3.6.
The UAD 2.6 pipeline will be fully retired on May 3, 2027.
*For full timeline, please download timeline.
Nope. You’ll continue placing appraisal orders through NAN as usual. Behind the scenes, we’ll ensure compliance with UAD 3.6 formatting so you don’t have to worry about the technicalities.
The biggest shift is structural. Instead of rigid forms like the 1004, reports will now be data-driven and property-type agnostic. That means more flexibility for hybrid and evolving loan types, plus more robust, consistent data output.
Not at this time. We’ll handle the transition on our end and keep you posted on any training or resources you may need as the industry moves closer to full implementation.
NAN is actively collaborating with appraisers, appraisal-software providers, and QC teams to ensure a seamless transition of the Uniform Residential Appraisal Report (URAR) under UAD 3.6. From training to system readiness, we’re leading the way so that lenders and appraisers can focus on what they do best.
If your system is not yet able to receive UAD 3.6 reports, the appraisal must be ordered and completed from the outset as a UAD 2.6 assignment. There is no easy way to convert a completed UAD 3.6 appraisal into a UAD 2.6 report after delivery.
If a UAD 3.6 appraisal is completed but cannot be accepted due to system readiness issues, a new or revised assignment would be required. In some cases, it may be possible to work with the same appraiser to complete a new UAD 2.6 replacement report at a discounted fee.
No. A UAD 3.6 appraisal cannot be converted to a UAD 2.6 appraisal.
UAD 3.6 is not simply a redesigned form. It is a data-driven appraisal that uses a different data structure than the legacy UAD 2.6 forms. Because of this, there is no easy way to convert a completed UAD 3.6 appraisal into a UAD 2.6 report after delivery.
There are no expected changes to standard turn times or fees during the transition. If that shifts at any point, we’ll communicate clearly and in advance.
UAD 3.6 appraisal assignments are only issued to appraisers who meet applicable qualification, training, and compliance requirements. This includes the use of UAD 3.6-compatible, agency-verified software and completion of required education, in addition to NAN’s existing panel standards.
UAD 3.6 introduces more structured, standardized appraisal data, which supports greater consistency and transparency in reviews. NAN’s quality control process continues to focus on credibility, compliance, and risk management, while adapting to the UAD 3.6 reporting framework.
Clients should evaluate their internal systems and workflows to ensure they are prepared to receive and process UAD 3.6 appraisal reports. Early planning and coordination can help reduce friction during the transition.
No. UAD 3.6 does not change NAN’s geographic coverage. NAN continues to operate nationwide, and assignments are based on appraiser qualifications and readiness rather than location.
You can reach out to NAN Chief Appraiser Bill Waltenbaugh (BWaltenbaugh@nan-amc.com) for anything related to UAD 3.6.
