FRE76115

WARNINGEligibility

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 a Utility ownership is Non-Public and has an adverse effect on value and/or marketability. Please ensure that this condition has been appropriately addressed in the appraisal report. • The appraisal report indicates that a Utility ownership is Non-Public and is missing the impact to value and/or marketability. Please ensure that this condition has been appropriately addressed in the appraisal report.

Warning — the submission can still come back Successful, but the finding is surfaced to your lender's review team.

What triggers FRE76115

FRE76115 is a Freddie Mac proprietary finding (Eligibility). 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 SiteUtilityOwnershipType

How to fix it

On the URAR, this lives at: Site → Utilities and Impact to Value / Marketability. Complete or correct that field in your form software, regenerate the package, and re-check before submission.

FRE76115 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

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.