FRE21520
SEVEREValuationOfficial message text · Freddie Mac Collateral Feedback Messages for UAD 3.6 (2026-08-04)
The Indicated Value by the Sales Comparison Approach is outside the range of the adjusted sale prices of the comparable settled sales. Please ensure that value indicated by the Sales Comparison Approach is adequately supported.
Severe — the submission can go through, but Freddie Mac flags that collateral rep & warranty relief eligibility is impacted. Expect lender questions.
What triggers FRE21520
FRE21520 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
ValueIndicatedBySalesComparisonAmount
How to fix it
On the URAR, this lives at: Sales Comparison Approach → Summary. Complete or correct that field in your form software, regenerate the package, and re-check before submission.
FRE21520 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
- UAD1253 FatalProvide the value of the subject property as determined by the Sales C…
- UAD1093 FatalThe structure identifier must be unique.…
- UAD1097 FatalIndicate whether the dwelling has any non-continuous finished area (e.…
- UAD1172 FatalThe unit identifier must be unique.…
- UAD1390 FatalProvide the address line for the sales comparable.…
- UAD1391 FatalProvide the city name for the sales comparable.…
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.