FRE21340
WARNINGValuationOfficial message text · Freddie Mac Collateral Feedback Messages for UAD 3.6 (2026-08-04)
The appraised value falls outside the reported Market Area range of prices within the appraisal report. Please ensure that the analysis and conclusions are adequately supported.
Warning — the submission can still come back Successful, but the finding is surfaced to your lender's review team.
What triggers FRE21340
FRE21340 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.
FRE21340 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.
Begin inspection →Related messages
- UAD1262 FatalProvide 'Opinion Of Market Value'.…
- UAD1263 Fatal'Opinion Of Market Value' must be at least one dollar, and cannot be n…
- UAD1264 Fatal'Opinion Of Market Value' must be less than a billion dollars.…
- FRE21110 SevereThe appraised value [$X] is greater than the value indicated by Sales …
- FRE21680 SevereThe final opinion of market value [$Y] is above the highest adjusted s…
- FRE43000 FatalThe appraised value is missing, zero or less than zero. Please correct…
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.