Fannie Mae and Freddie Mac created the UAD to improve the quality and consistency of appraisal data on loans delivered to the GSEs. The UAD defines all data points required for an appraisal report and standardizes key data points. ACI provides thousands of appraisers with UAD ready appraisal software to ensure UAD compliance.

For appraisals with an effective date (date of inspection) on or after September 1, 2011, the appraisal report must be completed in compliance with the UAD for conventional mortgage loans sold to Fannie Mae or Freddie Mac.