UAD1386

WARNING

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

Provide ValuationAnalysisCategoryType = 'OverallQualityAndCondition' for the reconciliation of overall quality and condition. For assistance with this message, contact the appraisal software vendor.

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

What triggers UAD1386

The published rule logic, verbatim:

If an instance of VALUATION_COMMENTARY with ValuationAnalysisCategoryType = "OverallQualityAndCondition" is not provided

• Bound to MISMO data point ValuationAnalysisCategoryType at ../VALUATION_ANALYSIS/VALUATION_REPORT/VALUATION_COMMENTARIES/VALUATION_COMMENTARY/

How to fix it

This requirement applies to the XML data itself — the field is delivered in the submission file but is not printed on the form. Your form software populates it from the report data; correct the underlying entry, regenerate the package, and re-check.

UAD1386 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.