UAD1045
FATALOfficial message text · Appendix H-1: UAD Compliance Rules — URAR, v1.5
Indicate whether the property has any amenities.
Fatal — a single unresolved Fatal makes the entire submission come back NOT SUCCESSFUL (UCDP Hard Stop 401).
What triggers UAD1045
The published rule logic, verbatim:
If PropertyAmenityExistsIndicator is not provided
- • Checked for the Subject property.
- • Bound to MISMO data point
PropertyAmenityExistsIndicatorat../VALUATION_ANALYSIS/PROPERTIES/PROPERTY/PROPERTY_DETAIL/
How to fix it
On the URAR, this lives at: Subject Property Amenities → {No Label}. 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.
The free UADCheck inspection evaluates UAD1045 automatically — attach your package and see in seconds whether it fires.
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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.