FRE43400
SEVEREReport CompletenessOfficial message text · Freddie Mac Collateral Feedback Messages for UAD 3.6 (2026-08-04)
The appraisal report is missing a Legal Description. Please correct and resubmit.
Severe — the submission can go through, but Freddie Mac flags that collateral rep & warranty relief eligibility is impacted. Expect lender questions.
What triggers FRE43400
FRE43400 is a Freddie Mac proprietary finding (Report Completeness). 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
ParcelsLegalDescription
How to fix it
On the URAR, this lives at: Subject Property → Legal Description. Complete or correct that field in your form software, regenerate the package, and re-check before submission.
The free UADCheck inspection evaluates FRE43400 automatically — attach your package and see in seconds whether it fires.
Begin inspection →Related messages
- UAD1043 FatalProvide the legal description or an image of the legal description.…
- UAD1001 FatalProvide the address line for the subject property physical address.…
- UAD1002 FatalProvide the city name for the subject property physical address.…
- UAD1003 FatalProvide the county name for the subject property physical address.…
- UAD1004 FatalProvide the ZIP code for the subject property physical address.…
- UAD1005 FatalThe ZIP code for the subject property physical address must be either …
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.