Freddie Mac Single-Family Seller/Servicer Guide §5606.2 — Uniform Collateral Data Portal® (UCDP®) (01/26/26)
Freddie Mac Guide §5606.2 (Uniform Collateral Data Portal® (UCDP®)). Gap-fill (verbatim, ID-diff).
Verbatim regulatory text
Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide §5606.2 — Uniform Collateral Data Portal® (UCDP®) (01/26/26) — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
Freddie Mac Guide 5606.2
(01/26/26) Refer to Bulletin 2025-7, which announced the policy requirements for Uniform Appraisal Dataset (UAD) 3.6. Sellers may submit to the Uniform Collateral Data Portal® appraisal reports that use UAD 3.6 before the mandatory effective November 2, 2026 version of this section. This section contains information and requirements related to the: ■ Uniform Collateral Data Portal® (UCDP®) ■ Delivery of appraisals through the UCDP ■ UCDP messaging ■ Data submitted to the UCDP (a) UCDP The UCDP is a portal for the electronic collection and delivery of certain appraisal report forms and the associated appraisal data to Freddie Mac.
Freddie Mac Guide 5606.2
606-4 (b) Delivery of appraisals through the UCDP For Mortgages that require appraisal reports, the following appraisal report forms, including all exhibits and addenda, must be submitted to the UCDP and receive a “Successful” status before the Delivery Date of the Mortgage: ■ Form 70, Uniform Residential Appraisal Report ■ Form 70B, Manufactured Home Appraisal Report ■ Form 70D, Uniform Residential Appraisal Report (Desktop) ■ Form 70H, Uniform Residential Appraisal Report (Hybrid) ■ Form 72, Small Residential Income Property Appraisal Report ■ Form 465, Individual Condominium Unit Appraisal Report ■ Form 465H, Individual Condominium Unit Appraisal Report (Hybrid) ■ Form 466, Exterior-Only Inspection Individual Condominium Unit Appraisal Report ■ Form 2055, Exterior-Only Inspection Residential Appraisal Report ■ Fannie Mae Form 2090, Individual Cooperative Interest Appraisal Report Sellers have the option of submitting Form 442, Appraisal Update and/or Completion Report, to the UCDP. Freddie Mac appraisal report forms not listed above must not be submitted to the UCDP. Sellers may use the UCDP as a tool to aid in determining UAD compliance. However, the submission of appraisal report forms to the UCDP does not relieve the Seller from Freddie Mac appraisal requirements, including the requirement that the appraisal report must comply with Appendix D of the UAD, and does not affect Seller representations and warranties regarding appraisals and the Mortgaged Premises. The Seller’s ability to select an appraisal management company or other party in connection with the use of the UCDP does not constitute Freddie Mac’s endorsement or approval of the appraisal management company or other party and does not relieve Seller of any obligations pursuant to the Guide or Seller’s other Purchase Documents, including the requirements in Section 3101.1 related to the Freddie Mac Exclusionary List. (c) UCDP messaging
Freddie Mac Guide 5606.2
606-5 When an appraisal report is submitted to the UCDP, the Seller may receive a variety of feedback messages designed to assist the Seller in evaluating the appraisal report to determine whether it meets the requirements of this topic (e.g., the accuracy of the appraiser’s opinion of market value, UAD compliance, etc.). The Seller should be prepared to address these feedback messages as part of their appraisal report review and property underwriting process. For certain Mortgages, the Seller may receive a message indicating the appraisal report is eligible for collateral representation and warranty relief. See Section 5602.2 for more details and eligibility requirements related to this representation and warranty relief. Note: The presence of one or more feedback message(s) with a “warning” severity indicator does not prevent the “successful” submission of an appraisal report to the UCDP and does not deem the property ineligible or the appraisal report unacceptable. In addition, the absence of feedback messages does not represent Freddie Mac’s acceptance of the appraised value or relief from Seller representations and warranties. (d) Data submitted to the UCDP Freddie Mac and its agents and contractors have the right to use, reproduce, modify, disclose, sublicense, distribute and retain all information and data submitted to the UCDP for delivery to Freddie Mac. This includes any fields on an appraisal report and the contents thereof, all information and data entered by the Seller or on the Seller’s behalf and any other information and data obtained by or transmitted through the UCDP (collectively, the “UCDP Data”). Freddie Mac may use this data for any purpose related to: 1. The UCDP, the appraisal report, the loan and any securities related to the UCDP Data 2. Analytics, modeling, quality control, fraud detection, information security and similar purposes 3. Data and services obtained or provided by Freddie Mac 4. Internal functions, including, without limitation, system monitoring, maintenance and security 5. Compliance with applicable laws, regulations, court orders and the order of an agency that either regulates or has jurisdiction over Freddie Mac; and 6. Enforcement of Freddie Mac’s rights and remedies
Freddie Mac Guide 5606.2
Uniform Collateral Data Portal® (UCDP®) (Future effective date 11/02/26)
Freddie Mac Guide 5606.2
606-6 This section contains information and requirements related to the: ■ Uniform Collateral Data Portal® (UCDP®) ■ Delivery of appraisals through the UCDP ■ UCDP messaging ■ Data submitted to the UCDP (a) UCDP The UCDP is a portal for the electronic collection and delivery of appraisal reports and the associated appraisal data to Freddie Mac. (b) Delivery of appraisals through the UCDP For Mortgages that require appraisal reports, the appraisal report, including all exhibits, must be submitted to the UCDP and receive a “Successful” status before the Delivery Date of the Mortgage. Sellers must submit the Restricted Appraisal Update Report and the Completion Report to the UCDP. Sellers may use the UCDP as a tool to aid in determining UAD compliance. However, the submission of appraisal reports to the UCDP does not relieve the Seller from Freddie Mac appraisal requirements, including the requirement that the appraisal report must comply with Appendix F-1, F-2 or F-3 of the UAD, and does not affect Seller representations and warranties regarding appraisals and the Mortgaged Premises. The Seller’s ability to select an appraisal management company or other party in connection with the use of the UCDP does not constitute Freddie Mac’s endorsement or approval of the appraisal management company or other party and does not relieve Seller of any obligations pursuant to the Guide or Seller’s other Purchase Documents, including the requirements in Section 3101.1 related to the Freddie Mac Exclusionary List. (c) UCDP messaging When an appraisal report is submitted to the UCDP, the Seller may receive a variety of feedback messages designed to assist the Seller in evaluating the appraisal report to determine whether it meets the requirements of this topic (e.g., the credibility of the appraisal report, UAD compliance). The Seller should be prepared to address these feedback messages as part of their appraisal report review and property underwriting process. For certain Mortgages, the Seller may receive a message indicating the appraisal report is eligible for collateral representation and warranty relief. See Section 5602.2 for more details and eligibility requirements related to this representation and warranty relief.
Freddie Mac Guide 5606.2
606-7 Note: The presence of one or more feedback message(s) with a “warning” severity indicator does not prevent the “successful” submission of an appraisal report to the UCDP and does not deem the property ineligible or the appraisal report unacceptable. In addition, the absence of feedback messages does not represent Freddie Mac’s acceptance of the appraised value or relief from Seller representations and warranties. (d) Data submitted to the UCDP Freddie Mac and its agents and contractors have the right to use, reproduce, modify, disclose, sublicense, distribute and retain all information and data submitted to the UCDP for delivery to Freddie Mac. This includes any fields on an appraisal report and the contents thereof, all information and data entered by the Seller or on the Seller’s behalf and any other information and data obtained by or transmitted through the UCDP (collectively, the “UCDP Data”). Freddie Mac may use this data for any purpose related to: 1. The UCDP, the appraisal report, the loan and any securities related to the UCDP Data 2. Analytics, modeling, quality control, fraud detection, information security and similar purposes 3. Data and services obtained or provided by Freddie Mac 4. Internal functions, including, without limitation, system monitoring, maintenance and security 5. Compliance with applicable laws, regulations, court orders and the order of an agency that either regulates or has jurisdiction over Freddie Mac; and 6. Enforcement of Freddie Mac’s rights and remedies