FRE54105
WARNINGReport InconsistenciesOfficial message text · Freddie Mac Collateral Feedback Messages for UAD 3.6 (2026-08-04)
One of the following messages is returned: • The appraisal report indicates that the Overall Quality Rating is [X], however this is inferior to the Exterior Quality Rating of [Y] and the Interior Quality Rating of [Z]. • The appraisal report indicates that the Overall Quality Rating is [X], however this is superior to the Exterior Quality Rating of [Y] and the Interior Quality Rating of [Z].
Warning — the submission can still come back Successful, but the finding is surfaced to your lender's review team.
What triggers FRE54105
FRE54105 is a Freddie Mac proprietary finding (Report Inconsistencies). 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
OverallQualityRatingCode
How to fix it
On the URAR, this lives at: Overall Quality and Condition. Complete or correct that field in your form software, regenerate the package, and re-check before submission.
The free UADCheck inspection evaluates FRE54105 automatically — attach your package and see in seconds whether it fires.
Begin inspection →Related messages
- UAD1385 FatalProvide 'Overall Quality'.…
- UAD1435 FatalProvide the overall quality rating for the sales comparable.…
- FRE76141 FatalThe appraisal report indicates that the Overall Quality Rating is Q6. …
- FRE32230 WarningThe Quality Rating for all of the comparables does not match the Quali…
- FRE65570 WarningThe appraisal report indicates an Overall Quality of Construction rati…
- UAD1384 FatalProvide 'Overall Condition'.…
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.