A major shift in residential appraisal data is approaching as UAD 3.6 becomes mandatory across the mortgage industry in 2026. Third-party residential appraisal management companies like Exactus AMC are already preparing their systems and processes to support this transition.
The new reporting standard is designed to modernize how appraisal data is collected, structured, and transmitted, helping lenders, appraisal management companies, and appraisers work more efficiently while improving data accuracy.
What changes should stakeholders expect from UAD 3.6?
UAD 3.6 is not simply an update to the previous UAD 2.6 standard. Instead, it introduces an entirely new appraisal dataset that centralizes appraisal reporting, review, and submission processes.
One of the most significant changes is the transition from traditional static appraisal forms to a single dynamic reporting format. Rather than selecting a fixed form, the new Uniform Residential Appraisal Report (URAR) dynamically adjusts based on the property’s characteristics. This creates a more flexible and standardized reporting structure that can reduce errors and improve consistency across appraisal reports.
What steps should be taken to prepare for UAD 3.6 and subsequent data modernization?
Lenders should begin preparing for UAD 3.6 by confirming that their vendors and appraisal technology platforms are capable of supporting the new reporting format. This includes discussing system readiness, reviewing updated policies and procedures, and ensuring systems can receive and transmit the new report structure.
Appraisal management companies play a critical role in this transition by helping their lender clients and panel appraisers prepare for the updated requirements. AMCs should verify that their platforms support the new dataset and ensure appraisers understand how the new reporting format will function.
Is there anything else lenders, partners, and AMCs should know about UAD 3.6?
Although UAD 3.6 has been available in limited release, the full rollout will occur on November 2, 2026, when the standard becomes mandatory for all Fannie Mae and Freddie Mac loans.
The limited release period allows lenders, appraisal management companies, and appraisers time to update systems, complete training, and identify potential issues early. Organizations that prepare during this transition period will be better positioned to adopt the new reporting format smoothly when full implementation begins.
Preparing for UAD 3.6 with Exactus AMC
Exactus AMC is actively preparing its systems and processes to support the upcoming UAD 3.6 reporting standard. Our team works closely with lenders and appraisers to ensure a smooth transition to the new dataset while maintaining regulatory compliance and operational efficiency.
If you have questions about UAD 3.6 or need support with residential appraisal management services, please visit our contact page or call (636) 206-4919.