FRE54109
FATALReport InconsistenciesOfficial message text · Freddie Mac Collateral Feedback Messages for UAD 3.6 (2026-08-04)
The appraisal report indicates a Defect, Damage, or Deficiency that has a Recommended Action of [DefectItemRecommendedActionType] and the Market Value Condition is As Is. Please note that the Market Value Condition must reflect the Recommended Action of [DefectItemRecommendedActionType].
Fatal — this finding makes the submission NOT SUCCESSFUL until resolved.
What triggers FRE54109
FRE54109 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
DefectItemRecommendedActionType
How to fix it
On the URAR, this lives at: Reconciliation → Apparent Defects, Damages, Deficiencies. Complete or correct that field in your form software, regenerate the package, and re-check before submission.
The free UADCheck inspection evaluates FRE54109 automatically — attach your package and see in seconds whether it fires.
Begin inspection →Related messages
- UAD1714 FatalProvide the recommended action for the identified defect, damage or de…
- UAD1255 FatalProvide the type of market value condition.…
- UAD1256 FatalWhen the appraisal is made 'As Is', no other type of market value cond…
- UAD1257 FatalProvide the 'Effective Date of Appraisal'.…
- UAD1258 FatalThe 'Effective Date of Appraisal' cannot be a future date.…
- UAD1259 WarningThe 'Effective Date of Appraisal' cannot be more than a year old.…
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.