Appraisal Modernization in Motion: What UAD 3.6 Means for Lenders and Appraisers

The world of real estate valuation is about to get a serious upgrade. Starting September 2025, Fannie Mae and Freddie Mac will begin rolling out the Uniform Appraisal Dataset (UAD) 3.6 — a long-anticipated step forward in appraisal standardization.

But what exactly is changing, and why does it matter?

What Is UAD 3.6?

UAD 3.6 is an overhaul of the current appraisal reporting format used by the GSEs. Instead of relying heavily on freeform text and often vague “see addendum” notes, UAD 3.6 introduces:

• A standardized front page across all property types

• Discrete data fields that make reports easier to read, interpret, and automate

• A new XML structure that supports advanced analytics and smoother system integration

  
  

In short: It’s a move from narrative-heavy reports to structured, digital-ready data.

Why It’s Being Introduced Now

Several forces are converging to make this the right moment for change:

• The growth of AI and automated review tools in mortgage lending demands cleaner data.

• Hybrid and remote inspections are gaining traction — and need clearer frameworks to support risk-based valuation.

• GSE modernization efforts are pushing for more consistency and efficiency across the loan lifecycle.

  
  

UAD 3.6 is a foundational piece of that bigger transformation.

What It Means for You

Whether you're a lender, appraiser, or technology provider, UAD 3.6 will bring both challenges and opportunities:

• For lenders: Expect cleaner data and more reliable risk models but be prepared for system updates and training needs.

• For appraisers: You’ll spend less time on repetitive narratives and more time focused on value-driving analysis.

• For LOS and AMS vendors: Supporting the new XML format and dynamic fields will be critical to staying competitive.

  
  

What’s Next?

Fannie Mae and Freddie Mac are launching UAD 3.6 as part of a 14-month phased rollout. That gives the industry time to prepare, test, and adjust — but don’t wait too long to get ready.

At ThinkLattice, we’re actively working to support this shift. From appraisal order management to delivery back into LOS systems, our technology is designed to adapt to tomorrow’s standards today.