FRE54190

FATALReport Inconsistencies

Official 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 subject property is located in [XX] and the appraiser's license is noted to be in [YY]. Please ensure the appraiser holds an active license in the state that the subject property is located. Please correct and resubmit. • The appraisal report indicates that the subject property is located in [XX] and the supervisor's license state is noted to be in [ZZ]. Please ensure the supervisor holds an active license in the state that the subject property is located. Please correct and resubmit.

Fatal — this finding makes the submission NOT SUCCESSFUL until resolved.

What triggers FRE54190

FRE54190 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 LicenseIssuingAuthorityStateCode

How to fix it

On the URAR, this lives at: Assignment Information → Contact Information. Complete or correct that field in your form software, regenerate the package, and re-check before submission.

The free UADCheck inspection evaluates FRE54190 automatically — attach your package and see in seconds whether it fires.

Begin inspection →

Related messages

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.