FORM UC-36 (REV. 09-2026)UCDP MANDATE: 2026-11-02
UADCHECKPre-submission inspection of UAD 3.6 packages

FRE21220

WARNINGValuation

Official message text · Freddie Mac Collateral Feedback Messages for UAD 3.6 (2026-08-04)

One of the following messages is returned: • The current valuation of the subject property is more than [X%] higher than a recent transfer on [transfer date] for [$Y]. Please ensure that the recent transfer was analyzed and that the value and conclusions are credible. • The contract price of the subject property is more than [X%] higher than a recent transfer on [transfer date] for [$Y]. Please ensure that the recent transfer was analyzed and that the value and conclusions are credible. • The current valuation of the subject property is more than [X%] higher than recent transfers on [transfer date] for [$Y]. Additionally, the contract price of the subject property is more than [Z%] higher than recent transfers on [transfer date] for [$YY]. Please ensure that the recent transfer was analyzed and that the value and conclusions are credible.

Warning — the submission can still come back Successful, but the finding is surfaced to your lender's review team.

What triggers FRE21220

FRE21220 is a Freddie Mac proprietary finding (Valuation). It is returned by Loan Collateral Advisor®/UCDP® after your lender submits — this layer is explicitly outside the GSE UAD Compliance API, so your form software's built-in check does not run it. The first time most appraisers see it is in a revision request.

  • • Checked for the Subject property.
  • • Bound to MISMO data point OpinionOfValueAmount

How to fix it

On the URAR, this lives at: Reconciliation → Appraisal Summary. Complete or correct that field in your form software, regenerate the package, and re-check before submission.

FRE21220 is in UADCheck's reference library; automated coverage for it is on the roadmap. The inspection already runs the full GSE schema, the package-integrity layer, and every auto-checkable compliance rule — each report states exactly what was covered.

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Related messages

Source: Freddie Mac Collateral Feedback Messages for UAD 3.6 (2026-08-04) (public GSE document). Verified against the published spreadsheet; not affiliated with Fannie Mae or Freddie Mac.