Originally published in the May 12, 2026, issue of AI’s Appraisal Now
Reprinted with permission from AI

The newly announced Uniform Appraisal Dataset (UAD) 3.6 timeline gives the mortgage industry a transition window through November 1, 2026, during which lenders may submit either UAD 2.6 or UAD 3.6 appraisal files to the Uniform Collateral Data Portal (UCDP). Beginning November 2, 2026, however, all new submissions must be in UAD 3.6 format.

One important feature of the rollout is the “pipeline clearing” period announced on May 5   by Fannie Mae and Freddie Mac. Appraisals submitted successfully to the UCDP in UAD 2.6 format on or before November 1, 2026, may still be revised and resubmitted in UAD 2.6 format until May 3, 2027. This is intended to prevent disruptions for loans already in process when the mandate takes effect. However, any first-time UAD 2.6 submission on or after November 2, 2026, will be rejected.

The announcement also underscores the importance of preparing now. The GSEs are encouraging lenders, AMCs, appraisers, and software providers to confirm system readiness, complete training, and begin transitioning workflows well ahead of the mandate date.