UAD1005

FATAL

Official message text · Appendix H-1: UAD Compliance Rules — URAR, v1.5

The ZIP code for the subject property physical address must be either 5 digits, or 5 digits, a hyphen, and 4 digits (ZIP+4).

Fatal — a single unresolved Fatal makes the entire submission come back NOT SUCCESSFUL (UCDP Hard Stop 401).

What triggers UAD1005

The published rule logic, verbatim:

If PostalCode is not in the required format (5 digits, or 5 digits, a hyphen, and 4 digits)

• Checked for the Subject property.
• Bound to MISMO data point PostalCode (%PV%) at ../VALUATION_ANALYSIS/PROPERTIES/PROPERTY/ADDRESS/

How to fix it

On the URAR, this lives at: Subject Property → Physical Address (%PV%). Complete or correct that field in your form software, regenerate the package, and re-check before submission.

Because this is a Fatal edit, do not submit until it is resolved — one Fatal bounces the whole package.

UAD1005 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: Appendix H-1: UAD Compliance Rules — URAR, v1.5 (public GSE document). Verified against the published spreadsheet; not affiliated with Fannie Mae or Freddie Mac.