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chunks/json/3e5166392284427725ee1fe760b21ac21444209bef072b34051d2cd63b16cdab.json

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+{"chunk":{"char_end":17921,"char_start":15319,"chunk_id":"chk_6f500e50e249963d","chunk_index":9,"chunk_sha256":"3e5166392284427725ee1fe760b21ac21444209bef072b34051d2cd63b16cdab","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_970d25bb86fc355d","text_sha256":"3e5166392284427725ee1fe760b21ac21444209bef072b34051d2cd63b16cdab","token_estimate":771,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Conservatorship___FHFA_uqjmm.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/661\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"}

chunks/json/3e8b627b2f7617a98e2b79d3c57af38c6b0e862fb1e49b000b83c6eb68f10934.json

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chunks/json/3eb87d7f3c7b648facde1c33ace153cf4218f098524a7ed8941312683bab48ba.json

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chunks/json/3ebb626df59330af7cfabaec736867fde84286841e21a72370697062a8d8e8b8.json

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+{"chunk":{"char_end":10022,"char_start":8410,"chunk_id":"chk_3aedd79588ff38f6","chunk_index":5,"chunk_sha256":"3ebb626df59330af7cfabaec736867fde84286841e21a72370697062a8d8e8b8","date_utc":"2026-01-27T17:46:24+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e5501f422313448a","text_sha256":"3ebb626df59330af7cfabaec736867fde84286841e21a72370697062a8d8e8b8","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/display (4).pdf"]},"text":"q Check in periodically with GSE web\nsites and watch for communications.\n\nCheck in with Your Appraisal\nSoftware Vendor\n\nq Make sure your vendor is aware of\n\nthe new UAD and is building\nto it.\n\nq Work with your vendor to identify\nany needed process changes.\n\nq Look for vendor-specific training\n\nopportunities.\n\nTest and Verify\n\nq Test any updated systems for\n\ncompleting/submitting appraisal\nreport.\n\nq Make sure any operational changes\nare made and working as intended.\n\n2023\n\n2023-2024\n\n2024\n\nM A R C H 2 0 2 3\n\n12\n\nAppraisal Management Company (AMC) Roadmap\n\nSpec Delivery\n\nPrepare Your Appraisers\n\nTest and Verify\n\nq UAD 3.6 spec delivered to industry.\n\nq Check in with all partners to\ndetermine possible impacts.\nq Start thinking about allocating\n\nresources you'll need to implement\nchanges to your process.\n\nq Identify needed process changes\n\nand effectively communicate them.\n\nq Develop training for your appraisers\n\nand staff around ordering and\nreceiving.\n\nq Leverage GSE and industry training\non the new URAR while you train\nyour appraisers on your own\nprocess updates.\n\nq Offer your appraisers opportunities\nto test any updated systems or\nchanges to process.\n\nq Make sure any operational changes\nare made and working as intended.\n\n2023\n\n2023-2024\n\n2024\n\nM A R C H 2 0 2 3\n\n13\n\nReady to Build? Some Things to Consider\n\nWe strongly encourage all stakeholders and vendors to begin preparing and building to the spec now.\nThe previous slides provide roadmaps to help you do just that. Here are some things to consider leading\nup to that point and who they impact:\n\nConsideration\n\nAppraisal Forms\nVendors\n"}

chunks/json/3ebdf7941267fcc9421bd8e7757ad431a86cad470f0eb90a5485cd9350335ca7.json

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+{"chunk":{"char_end":12409,"char_start":10739,"chunk_id":"chk_cfd723e45c007fe8","chunk_index":5,"chunk_sha256":"3ebdf7941267fcc9421bd8e7757ad431a86cad470f0eb90a5485cd9350335ca7","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4d54dbf7e48638b7","text_sha256":"3ebdf7941267fcc9421bd8e7757ad431a86cad470f0eb90a5485cd9350335ca7","token_estimate":465,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Policies___FHFA_g7sbin.md"]},"text":"[​Website & Social Media Policies](/about/fhfa-policies/website-privacy-policy) Our privacy policy is clear: we will collect no personal information about you when you visit our website unless you voluntarily choose to provide that information to... [​Vulnerability Disclosure Policy](/about/fhfa-policies/vulnerability-disclosure) The Federal Housing Finance Agency is committed to ensuring the security of the American public by protecting their information. This policy is intended... ​[Whistleblower Protections](/about/fhfa-policies/whistleblower-protections) The Whistleblower Protection Act (WPA) prohibits taking or not taking a personnel action (or threatening either) with respect to any employee or applicant... ​[API Terms of Service](/about/fhfa-policies/api-terms-of-service) FHFA may offer some of its public data in machine readable format via an Application Programming Interface (“API”). These Terms of Service (“TOS”)...\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n"}

chunks/json/3ed64a3d57fa92bd4699c72026e23de109810d7551926467318b66da9f8996b2.json

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+{"chunk":{"char_end":202115,"char_start":200480,"chunk_id":"chk_fd9791c2df7aec89","chunk_index":118,"chunk_sha256":"3ed64a3d57fa92bd4699c72026e23de109810d7551926467318b66da9f8996b2","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"3ed64a3d57fa92bd4699c72026e23de109810d7551926467318b66da9f8996b2","token_estimate":409,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Other (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nApparent Defects, Damages, Deficiencies (Site)\n\nThe appraiser must report any significant items pertaining to the site, and must associate any defect, damage, or\ndeficiency with the most appropriate section. These defects, damages, and deficiencies are items that:\n• Rise to the level of recommending repair, replacement, or inspection by an individual with expertise in the\n\nindustry, or\n\n• Negatively affect the integrity / composition of the site itself, or\n• Negatively affect the soundness or structural integrity of the improvements to the site, or\n• Measurably impact the marketability or value of the property, or\n• Require completion\n\nAppendix F-1: URAR Reference Guide\n\nPage 79 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nExample:\n\n04 Site\n\nAny other items that do not require repair, replacement, or inspection may also be reported using the\nRecommended Action of None.\n\nReference the appropriate government agency appraisal guidelines for specific requirements.\n\nApparent Defects, Damages, Deficiencies (Site)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n4.099\n\nN/A\n\nAlways required\n\nYes |No\n\nDefinition / Additional Guidance\n\nSite Defects Exist: Indicates whether there are apparent defects, damages. or\ndeficiencies related to the Site section.\n•\n\nIf No, “None” displays, and the Apparent Defects, Damages, Deficiencies\n(Site) table does not display.\n\n4.099\n\nN/A\n\nDisplays when Site\nDefects Exist is Yes\n\nN/A\n\nThe items listed below represent the As Is condition as of the effective date of\nthis report\n"}

chunks/json/3ed9afdf4d6523934cf58b4d0c46bcaabfac57e2157f2a77854ee2aea56f3911.json

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+{"chunk":{"char_end":576965,"char_start":575312,"chunk_id":"chk_1ae7c780186223d2","chunk_index":340,"chunk_sha256":"3ed9afdf4d6523934cf58b4d0c46bcaabfac57e2157f2a77854ee2aea56f3911","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3ed9afdf4d6523934cf58b4d0c46bcaabfac57e2157f2a77854ee2aea56f3911","token_estimate":413,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThe appraisal report must indicate the finished square footage in whole numbers only,\nno commas. If 0% finished, a value of zero (0) must be entered.\n\n5\n\nNumeric\n\nPDF Display Format:\nSquare footage, numeric, to 5-digits: 12345 maximum.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nThis field is required if the value of\nfield e-18 (GSE Below Grade Total\nSquare Feet Number) is greater than\nzero.\n\nCR\n\nCR\n\nCR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 110 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\n361\n\n3\n\ne-20\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n(line 1)\n\n(Basement Exit Type)\n\nGSE Basement\nExit Type\n\nThe type of exit for a basement.\nDescribes how the basement can be\naccessed.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D\nETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBasementExitType\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n"}

chunks/json/3edcd503083c22381ed4d6a04bf4ae43669f810ea6eddbc27b25e2b062687c40.json

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+{"chunk":{"char_end":43674,"char_start":41915,"chunk_id":"chk_e39afe9d0e0e572f","chunk_index":21,"chunk_sha256":"3edcd503083c22381ed4d6a04bf4ae43669f810ea6eddbc27b25e2b062687c40","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bc0c11220168b9d2","text_sha256":"3edcd503083c22381ed4d6a04bf4ae43669f810ea6eddbc27b25e2b062687c40","token_estimate":440,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2011-24791 (1).pdf"]},"text":"WHEREAS, the Enterprises also separately\n\nreport to FHFA certain single-family and\nmultifamily mortgage data for safety and\nsoundness and other regulatory purposes;\n\nWhereas, section 1127 of the Housing and\nEconomic Recovery Act of 2008 (HERA), Pub.\nL. 110–289 (July 30, 2008), amended section\n1326 of the Safety and Soundness Act by\nrequiring that, subject to privacy\nconsiderations as described in section 304(j)\nof the Home Mortgage Disclosure Act of 1975\n(HMDA), the Director of FHFA shall, by\n\nregulation or order, make public certain data\nrelated to high-cost single-family loans\npurchased and securitized by the Enterprises\ncollected by the Director under section\n1324(b)(6) of the Safety and Soundness Act,\nas amended by HERA, see 12 U.S.C.\n4544(b)(6), 4546(d);\n\nWhereas, to comply with sections\n1324(b)(6) and 1326(d) of the Safety and\nSoundness Act, as amended, it is necessary\nto revise the single-family matrix of FHFA’s\nPublic Use Database (PUDB) by adding a new\nNational File C incorporating the high-cost\nsecuritized loan data elements required\nthereunder;\n\nWhereas, high-cost single-family\nsecuritized loan data containing the\ncharacteristics set forth in section 1324(b)(6),\nas further specified in the new National File\nC, are available in FHFA and Enterprise\ndatabases for 2010;\n\nWhereas, technical revisions to certain data\n\nfields in the single-family and multifamily\nmatrices of the PUDB are necessary in order\nto conform the data fields to HERA\namendments to the Safety and Soundness\nAct that eliminated the previous low- and\nmoderate-income housing, special affordable\nhousing, and underserved areas housing\ngoals and established new housing goals and\nrelated definitions effective for 2010 and\nbeyond, see 12 U.S.C. 4561 through 4563;\n"}

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+{"chunk":{"char_end":8185,"char_start":6572,"chunk_id":"chk_fe2d0ad88386b501","chunk_index":4,"chunk_sha256":"3ee0fca36bc75822ad0d64db11c21077f55710caadebdf3182338de5b70765b8","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3abea005a829814f","text_sha256":"3ee0fca36bc75822ad0d64db11c21077f55710caadebdf3182338de5b70765b8","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/uad-lender-readiness-kit.pdf"]},"text":"• Assist with transitioning to the redesigned report.\n\nApril 2025 | 14\n\nPotential Impacts to Your Business Processes\n\nLoan Origination\n\nOrder & Receive Appraisal\n\nLoan Delivery & Servicing\n\nOther\n\n• Understand property characteristics using updated data requirements\n\n• Review Appraisal Fee on the Loan Estimate and Closing Disclosure\n\n• Determine appraisal scope of work and pricing structure (billing fee tables)\n\n• Assess Mortgage Insurance processes\n\nApril 2025 | 15\n\nPotential Impacts to Your Business\n\nLoan Origination\n\nOrder & Receive Appraisal\n\nLoan Delivery & Servicing\n\nOther\n\n• Update Engagement Letter after review of the new UAD, which now includes common lender overlays\n\no Make sure the order specifies whether appraiser should use legacy UAD 2.6 or new UAD 3.6\n\nduring the transition period\n\n• Assign AMC and/or appraiser (including consideration of product competency)\n\n• Measure service-level agreement (SLA) for turn time\n\n• Confirm that type of appraisal received is what was ordered (learn how to read the new\n\nreport, billing)\n\n• Submit to UCDP and review feedback/SSR for exceptions as needed\n\n• Perform risk-based reviews including workflow routing and appraisal quality (e.g., underwriting, pre /\n\npost closing)\n\nApril 2025 | 16\n\nPotential Impacts to Your Business\n\nLoan Origination\n\nOrder & Receive Appraisal\n\nLoan Delivery & Servicing\n\nOther\n\n• Correspondent Lending: SSR requirements including message severity\n\n• Loan Delivery: ULDD Phase 5 data points\n\n• Review Servicing processes\n\nApril 2025 | 17\n\nPotential Impacts to Your Business\n\nLoan Origination\n\nOrder & Receive Appraisal\n"}

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+{"chunk":{"char_end":740216,"char_start":738586,"chunk_id":"chk_b338c07ac20be8bb","chunk_index":441,"chunk_sha256":"3ef51fe8368368b2992ec54bf042e4196dfe88a9fc0f91ce89e0535b50088935","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"3ef51fe8368368b2992ec54bf042e4196dfe88a9fc0f91ce89e0535b50088935","token_estimate":408,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Choose an\nallowable answer\nfrom table (Cost to\nRepair Reporting\nMethod)\n\nCost to Repair Reporting Method: Indicates how the cost to repair amount will\nbe provided.\n•\n•\n•\n\nNone\nTotal Cost\nItemized\n\nRequired for each\ndefect, damage, or\ndeficiency when Cost\nto Repair Reporting\nMethod is Itemized,\nand Recommended\nAction is Repair\n\nDisplays when Cost to\nRepair Reporting\nMethod is Itemized\n\nRequired when Cost to\nRepair Reporting\nMethod is Total Cost\n\nDollar amount\n\nThe estimated cost to repair or replace the identified item.\n\nDollar amount\n\nCalculated: Sum of Estimated Cost to Repair for all applicable defects, damages,\nand deficiencies in the appraisal report.\n\nDollar amount\n\nThe total estimated cost to repair or replace all applicable defects, damages,\nand deficiencies in the appraisal report, provided as a lump sum.\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nCost to Repair Reporting Method (Choose one)\n\nNone\n\nTotal Cost\n\nItemized\n\nThe appraiser does not provide any cost to repair information (Example 1).\n\nThe appraiser provides the Total Estimated Cost of Recommended Repairs as a lump sum (Example 2).\n•\n\nTotal Estimated Cost of Items Recommended for Repair (26.072) displays underneath the Defects, Damages, and\nDeficiencies table.\n\nThe appraiser provides the Estimated Cost of Repair for each defect, damage, or deficiency requiring repair (Example 3).\n•\nThe itemized Estimated Cost to Repair column (26.026-26.069) displays in the Defects, Damages, and Deficiencies\ntable.\nTotal Cost (26.070) displays at the bottom of the Defects, Damages, and Deficiencies table.\n\n•\n\nAppendix F-1: URAR Reference Guide\n"}

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+{"chunk":{"char_end":44120,"char_start":41911,"chunk_id":"chk_6980d4d09b4729b9","chunk_index":26,"chunk_sha256":"3f0766a6a6b51e059f1a62990598ac9b92ae429490eff8242502470618fcd430","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3f0766a6a6b51e059f1a62990598ac9b92ae429490eff8242502470618fcd430","token_estimate":552,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Total Bathroom Count\n\n.VALUATION_METHODS\n..SALES_COMPARISON\n...COMPARABLE_SALE\n.…SALE PRICE ADJUSTMENT\nSale Price Adjustment Type**\n\nSale Price Adjustment Type Other Description**\n\nSale Price Adjustment Description**\n\nSale Price Adjustment Amount**\n\n.VALUATION_METHODS\n..SALES_COMPARISON\n...COMPARABLE_SALE\n.…OTHER_FEATURE_ADJUSTMENT\nProperty Feature Sequence Identifier\n\nProperty Feature Description\n\nProperty Feature Adjustment Amount\n\n.VALUATION_METHODS\n..SALES_COMPARISON\n...COMPARABLE_SALE\n….PRIOR SALES\nProperty Sales Amount\n\nData Source Description\n\nData Source Effective Date\n\n.VALUATION_METHODS\n..SALES_COMPARISON\n...COMPARABLE_SALE\n….PRIOR_SALES\n\nUAD Consolidated Schema Matrix\nAppendix B: GSE Appraisal Forms Mapping\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR/CR/T* R/CR/T*\n\nR/CR/T*\n\nR/CR/T*\n\nR/CR*\n\nR/CR*\n\nR/CR*\n\nCR,T*\n\nCR,T*\n\nCR,T*\n\nR/T*\n\nCR\n\nR/T*\n\nCR\n\nR/T*\n\nCR\n\nT\n\nR/T*\n\nCR\n\nT\n\nR\n\nCR\n\nT\n\nR\n\nCR\n\nT\n\nR\n\nCR\n\nR/CR*\n\nCR,T*\n\nR\n\nCR\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nCR,T*\n\nCR,T*\n\nCR,T*\n\nT\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nN/A\n\nN/A\n\nN/A\n\nCR\n\nR\n\nR\n\nCR\n\nR\n\nR\n\nCR\n\nR\n\nR\n\nCR\n\nR\n\nR\n\nCR\n\nR\n\nR\n\nCR\n\nR\n\nR\n\nCR\n\nR\n\nR\n\nCR\n\nR\n\nR\n\nPage 23 of 211\n\nDocument Version 1.4\n\nMISMO Data Point Name\n\n…..PRIOR_SALES_EXTENSION\n…...PRIOR_SALES_EXTENSION_SECTION\nExtension Section Organization Name\n…….PRIOR_SALES_EXTENSION_SECTION_DATA\n….....PRIOR_SALE\nGSE Prior Sale Date\nGSE Prior Sale Comment\n\n.VALUATION_METHODS\n..SALES_COMPARISON\n...COMPARABLE_SALE\n....COMPARISON_DETAIL_EXTENSION\n…..COMPARISON_DETAIL_EXTENSION_SECTION\nExtension Section Organization Name\n…...COMPARISON_DETAIL_EXTENSION_SECTION_DATA\n…….COMPARISON_DETAIL\nGSE Data Source Description\nGSE Days On Market Description\nGSE Sale Type\nGSE Financing Type\nGSE Financing Type Other Description\nGSE Contract Date Unknown Indicator\nGSE Concession Amount\nGSE Listing Status Type\nGSE Quality Of Construction Rating Type\nGSE Age Estimation Indicator\nGSE Overall Condition Type\nGSE Basement Exit Type\nGSE Below Grade Recreation Room Count\nGSE Below Grade Bedroom Room Count\nGSE Below Grade Bathroom Room Count\nGSE Below Grade Other Room Count\nGSE Below Grade Finish Square Feet Number\nGSE Below Grade Total Square Feet Number\n"}

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chunks/json/3f435781a3b4bcf6aab55453e90aa6b938b7d713bcb02f7913c47247f1ecbe3c.json

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+{"chunk":{"char_end":26404,"char_start":24763,"chunk_id":"chk_ff78dc4facb44abc","chunk_index":15,"chunk_sha256":"3fed346c57263657804d37987fd3bfec14e78ca5a4468e160e29a83965413936","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"3fed346c57263657804d37987fd3bfec14e78ca5a4468e160e29a83965413936","token_estimate":411,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Townhouse Back to Back\n\nTownhouse Location\n\nConstruction Method\n\nManufactured Home Width\n\nDwelling Style\n\nTotal Dwelling Volume\n\nWindow Surface Area\n\nFunctional Issues\n\nDisaster Mitigation\n\nHeating\n\nCooling\n\nEnergy Efficient and Green Features\n\nRenewable Energy\nComponent\n\nBuilding Certification\n\nEfficiency Rating\n\nUnit(s)\n\nStructure ID | Unit ID\n\nLocation of ADU\n\nFloor Number\n\nCorner Unit\n\nLevels in Unit\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Above\nGrade (Nonstandard)\n\nUnfinished Area Above\nGrade\n\nFinished Area Below Grade\n\nFinished Area Below Grade\n(Nonstandard)\n\nUnfinished Area\nBelow Grade\n\nFeatures for Individuals\nw/Disabilities\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nStructure ID\n\nQuality\n\nExterior Walls and Trim\n\nFoundation\n\nRoof\n\nWindows\n\nCondition\n\nExterior Walls and Trim\n\nFoundation\n\nRoof\n\nWindows\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nSubject Property\n\nComparable #\n\nComparable #\n\nComparable #\n\nProperty Address\n\nInterior Quality and Condition\n\nStructure ID | Unit ID\n\nQuality\n\nKitchen\n\nOverall Bathrooms\n\nOverall Flooring\n\nWalls and Ceiling\n\nCondition\n\nKitchen\n\nOverall Bathrooms\n\nOverall Flooring\n\nWalls and Ceiling\n\nADU Interior Quality and Condition\n\nLocation of ADU\n\nQuality\n\nKitchen\n\nOverall Bathrooms\n\nOverall Flooring\n\nWalls and Ceiling\n\nCondition\n\nKitchen\n\nOverall Bathrooms\n\nOverall Flooring\n\nWalls and Ceiling\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n"}

chunks/json/404a0cd218b6f8c38a33686ccc43206185da0c3830842a2206ecd40f881c102c.json

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+{"chunk":{"char_end":22711,"char_start":20997,"chunk_id":"chk_7f56c94c104480de","chunk_index":13,"chunk_sha256":"404a0cd218b6f8c38a33686ccc43206185da0c3830842a2206ecd40f881c102c","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"404a0cd218b6f8c38a33686ccc43206185da0c3830842a2206ecd40f881c102c","token_estimate":429,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 15 of 19\nPage 15 of 19\n\nSales Comparison Approach (continued)\n\nSales Comparison Approach Exhibits\n\nComparable #1\n\nComparable #2\n\nThis is where the Comparable 1 photo would display.\n\nThis is where the Comparable 2 photo would display.\n\nComparable #3\n\nComparable #4\n\nThis is where the Comparable 3 photo would display.\n\nThis is where the Comparable 4 photo would display.\n\nComparable #5\n\nThis is where the Comparable 5 photo would display.\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nAppraisal Summary\n\nOpinion of Market Value\nMarket Value Condition\n\nSales Comparison Approach\n$350,000\n\nIncome Approach\n\nCost Approach\n\nNot Necessary for Credible Results\n\nNot Necessary for Credible Results\n\n$350,000\nAs Is\n\nReasonable Exposure Time\nEffective Date of Appraisal\n\n30-60 days\n03/03/2024\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 16 of 19\nPage 16 of 19\n\nReconciliation (continued)\n\nApparent Defects, Damages, Deficiencies\n\nNone\n\nRevision History\n\nRevision Date\n03/15/2024\n\nURAR Section\nSales Comparison Approach\n\n03/15/2024\n\nReconciliation\n\nReconsideration of Value\n\nType\nDate\n\nBorrower-Initiated\n03/15/2024\n\nDescription\nThe comparables provided from the borrower-initiated ROV were reviewed\nand considered. Two sales were deemed reliable and put in the sales grid,\nwhich increased the Indicated Value by Sales Comparison Approach. One was\ndeemed less reliable and added to Additional Properties Analyzed Not Used.\n"}

chunks/json/40576143672d7dd9dc9be75f029dcf959bbb093898276b8cd5e238537352dc60.json

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+{"chunk":{"char_end":8323,"char_start":7063,"chunk_id":"chk_7525879f7aba4757","chunk_index":4,"chunk_sha256":"40576143672d7dd9dc9be75f029dcf959bbb093898276b8cd5e238537352dc60","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_751549225b5f2639","text_sha256":"40576143672d7dd9dc9be75f029dcf959bbb093898276b8cd5e238537352dc60","token_estimate":350,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Sitemap___FHFA_bmxe9.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n# Sitemap\n\n[Front page of *U.S. FEDERAL HOUSING*](/)\n\n## Main navigation\n"}

chunks/json/4064b11272711788bf5e406690bf79851d73c915b99d5c3682bd368b9ba79aa8.json

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+{"chunk":{"char_end":5057,"char_start":3334,"chunk_id":"chk_b03ec1360e09eb38","chunk_index":2,"chunk_sha256":"4064b11272711788bf5e406690bf79851d73c915b99d5c3682bd368b9ba79aa8","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0422410895f167bc","text_sha256":"4064b11272711788bf5e406690bf79851d73c915b99d5c3682bd368b9ba79aa8","token_estimate":431,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-readiness-checklist-direct-integrators.pdf"]},"text":"critical edits into the production environment.\n\n Establish a process for accepting customer feedback and addressing issues in time for lenders to re-test\n\nprior to mandate dates.\n\n Review the reporting available from the GSEs on UCD Critical Edits Phase 3B Postponed and Phase 4 to\n\ntrack your progress and readiness.\n\n Execute a plan for retiring the capability to submit UCD v1.5 files on and after the mandate date.\n\nSEPTEMBER 29, 2025 — BEGIN UCD V1.5 TO UCD V2.0 TRANSITION PERIOD\n\nUSING THE SUBSCHEMA PACKAGE FOR XML FILE VALIDATION\n\nThe UCD Subschema was created as a development tool to validate test XML files. The Subschema will flag (as\nschema errors) the containers, data points, attributes and enumerations that are no longer supported in UCD\nv2.0. The GSEs recommend that the UCD Subschema be used throughout the development process to ensure\nproper compliance with the new data requirements.\n\nNote: When you move to production, you will need to discontinue use of the UCD Subschema and use the full\nMISMO v3.3.0 schema plus the UCD.xsd file. All the UCD.xsd files needed to produce the production XML file\nhave been provided in the UCD v2.0 Production Schema on the GSEs websites.\n\nTips for using the UCD Subschema for testing UCD v2.0 files:\n\n• Be sure to correctly spell containers, data points, attributes and enumerations. Check that the sequence\n\nand format comply with UCD v2.0.\n\n• Deliver all required data points. The UCD Subschema cannot enforce data points that are conditionally\n\nrequired.\nIf data points not included in UCD v2.0 are present in the XML file, the UCD Subschema will flag them as\nerrors.\nInclude the new UCD.xsd file for data points and enumerations in ucd:FEE_EXTENSION_DETAIL.\n"}

chunks/json/406a63071a10f2a3902a56373b72a7d02392cbba8cb904afe4e8f529fb963b04.json

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+{"chunk":{"char_end":30521,"char_start":28875,"chunk_id":"chk_914da9ba79485e89","chunk_index":17,"chunk_sha256":"406a63071a10f2a3902a56373b72a7d02392cbba8cb904afe4e8f529fb963b04","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"406a63071a10f2a3902a56373b72a7d02392cbba8cb904afe4e8f529fb963b04","token_estimate":412,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"The ratio of the borrower’s (or borrowers’)\nannual income to the area median family\nincome for the reporting year. This is the ratio\nused to determine whether borrower’s (or\nborrowers’) income qualifies for an income-\nbased housing goal. This is the ratio defined at\n12 CFR 1282.15(b)(1) for owner-occupied\nunits.\n\nThe UPB when the Enterprise acquired the\nmortgage. The UPB is reported as the\nmidpoint for the $10,000 interval into which\nthe reported value falls to conform with CFPB\nPrivacy Guidance.\n\n13\n\n8\n\nincome_ratio\n\nBorrower Income Ratio\n\n9999.000 = Not Applicable or Not\nAvailable\nExample of data format: 0.5811 = The\nborrower(s) annual income is 58.11\npercent of the area median family\nincome.\n\n14\n\n9\n\nupb_acq\n\nAcquisition Unpaid\nPrincipal Balance (UPB)\n\n999999999 = Not available\n\nSF CTF\n\n22\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nCensus Tract File\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n15\n\npurpose_ctf\n\nPurpose of Loan\n\n16\n\n1\n\nfed_guarantee_ctf\n\nFederal Guarantee\n\n17\n18\n\n2\n1\n\nborr_num\nfthb\n\nNumber of Borrowers\nFirst-Time Home Buyer\n\n19-23 1\n\nrace1_borr,\nrace2_borr,\nrace3_borr,\nrace4_borr,\nrace5_borr\n\nBorrower Race\n\nPurpose of loan reported by the Enterprise. *\nPurchases include subordinate liens and\nhome improvement/rehabilitation loans that\nare associated with a home purchase.\n\n*Includes FHA HECM and Title 1 loans.\n\n1 = Purchase*\n2 = Refinancing (not cash-out or\nunknown type of refi)\n4 = Home Improvement/Rehabilitation\n7 = Refinancing (cash-out)\n9 = Not applicable/not available\n"}

chunks/json/406af8fee9a4be6e94a9490d67d35f2b2ab1daaaeada48c8bb77dfdbbae82e4f.json

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+{"chunk":{"char_end":724426,"char_start":722364,"chunk_id":"chk_163f816de8e4ebcc","chunk_index":429,"chunk_sha256":"406af8fee9a4be6e94a9490d67d35f2b2ab1daaaeada48c8bb77dfdbbae82e4f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"406af8fee9a4be6e94a9490d67d35f2b2ab1daaaeada48c8bb77dfdbbae82e4f","token_estimate":516,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"8\n\n14\n\n14\n\n14\n\n6\n\n6\n\n6\n\n10\n\n10\n\n10\n\n10\n\n10\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Neighborhood Section\n\nOne and only one of fields 1-53, 1-54, 1-55\n(values of Property Neighborhood Location\nType) should be indicated.\nOne and only one of fields 1-53, 1-54, 1-55\n(values of Property Neighborhood Location\nType) should be indicated.\nOne and only one of fields 1-53, 1-54, 1-55\n(values of Property Neighborhood Location\nType) should be indicated.\nOne and only one of fields 1-56, 1-57, 1-58\n(values of Neighborhood Builtup Range\nType) should be indicated.\nOne and only one of fields 1-56, 1-57, 1-58\n(values of Neighborhood Builtup Range\nType) should be indicated.\nOne and only one of fields 1-56, 1-57, 1-58\n(values of Neighborhood Builtup Range\nType) should be indicated.\nOne and only one of fields 1-59, 1-60, 1-61\n(values of Neighborhood Growth Pace Type)\nshould be indicated.\nOne and only one of fields 1-59, 1-60, 1-61\n(values of Neighborhood Growth Pace Type)\nshould be indicated.\nOne and only one of fields 1-59, 1-60, 1-61\n(values of Neighborhood Growth Pace Type)\nshould be indicated.\nOne and only one of fields 1-62, 1-63, 1-64\n(values of Neighborhood Property Value\nTrend Type) must be indicated.\nOne and only one of fields 1-62, 1-63, 1-64\n(values of Neighborhood Property Value\nTrend Type) must be indicated.\nOne and only one of fields 1-62, 1-63, 1-64\n(values of Neighborhood Property Value\nTrend Type) must be indicated.\nOne and only one of fields 1-65, 1-66, 1-67\n(values of Neighborhood Demand and\nSupply Type) must be indicated.\nOne and only one of fields 1-65, 1-66, 1-67\n(values of Neighborhood Demand and\nSupply Type) must be indicated.\n"}

chunks/json/407ed67f742edc5b5a18216420a5cb177a9cf331a56aa2c30c00d5e44739954e.json

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+{"chunk":{"char_end":13497,"char_start":11900,"chunk_id":"chk_b42fbfca4f300d4f","chunk_index":7,"chunk_sha256":"407ed67f742edc5b5a18216420a5cb177a9cf331a56aa2c30c00d5e44739954e","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"407ed67f742edc5b5a18216420a5cb177a9cf331a56aa2c30c00d5e44739954e","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.pdf/MH2_Appraisal_v1.3.pdf"]},"text":"Metal plumbing\nfixtures.\n\nMetal plumbing\nfixtures.\n\nOverall Update Status for\nBathrooms\n\nFully Updated\n\nCondition Status\nNew or Like New\n\nCondition Comment\n\nNew or Like New\n\nNew or Like New\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 8 of 20\n\nUnit Interior (continued)\n\nInterior Features\n\nFeature\nFlooring\n\nDetail\nCarpet\n\nLaminate\n\nQuality Comment\nUpgraded Carpet\n\nWalls and Ceiling\n\n8 Foot | Flat | Vaulted\n\nOverall Update Status for\nFlooring\n\nFully Updated\n\nApparent Defects, Damages, Deficiencies (Unit Interior)\n\nNone\n\nUnit Interior Exhibits\n\nCondition Comment\n\nCondition Status\nNew or Like New\n\nNew or Like New\n\nNew or Like New\n\nLevel 1 - Bedroom - Primary Bedroom\n\nLevel 1 - Bedroom - Bedroom 2\n\nThis is where the Bedroom photo would display.\n\nThis is where the Bedroom photo would display.\n\nLevel 1 - Bedroom - Bedroom 3\n\nLevel 1 - Bath - Full - Primary Bath\n\nThis is where the Bedroom photo would display.\n\nThis is where the Bath photo would display.\n\nLevel 1 - Bath - Full - Bath 2\n\nLevel 1 - Dining Room\n\nThis is where the Bath photo would display.\n\nThis is where the Dining Room photo would display.\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 9 of 20\n\nUnit Interior (continued)\n\nLevel 1 - Kitchen - Living Room\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nVehicle Storage\n\nStorage\nDriveway\n\nGarage\n\nNumber of Parking Spaces\n4\n"}

chunks/json/408f0380bc01413f4529b2f706bffdd88be340c7699639a2cd5d474ec26fadae.json

@@ -0,0 +1 @@
+{"chunk":{"char_end":575512,"char_start":573632,"chunk_id":"chk_5b9d9e3a66704366","chunk_index":331,"chunk_sha256":"408f0380bc01413f4529b2f706bffdd88be340c7699639a2cd5d474ec26fadae","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"408f0380bc01413f4529b2f706bffdd88be340c7699639a2cd5d474ec26fadae","token_estimate":470,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and\ninformation in this appraisal report are true and correct.\n\n20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any\nagreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a\npredetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or\noccurrence of a specific subsequent event (such as approval of a pending mortgage loan application).\n\n21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided\nsignificant real property appraisal assistance.\n\n22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is\nunauthorized and I will take no responsibility for it.\n\nAppraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4)\n\nUniform Residential Appraisal Report\n\nPage 22 of 22\nPage 22 of 22\n\nCertifications (continued)\n\n23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will\nreceive this appraisal report.\n\n24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject\nto certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that\npertain to disclosure or distribution by me.\n"}

chunks/json/4091e746b287219150481b504b0ead2b0129634c7cbfcf7d68d7543219b765e1.json

@@ -0,0 +1 @@
+{"chunk":{"char_end":35286,"char_start":33089,"chunk_id":"chk_828ae74354b69c54","chunk_index":18,"chunk_sha256":"4091e746b287219150481b504b0ead2b0129634c7cbfcf7d68d7543219b765e1","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"4091e746b287219150481b504b0ead2b0129634c7cbfcf7d68d7543219b765e1","token_estimate":550,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"To conform to HMDA reporting\nrequirements, FHFA has incorporated\nthese five fields in the single-family\nCensus Tract File to reflect HMDA’s co-\nborrower race or national origin fields.\n(See the single-family matrix in the\nAppendix for the specific codes that\napply to these data fields.) FHFA is\ncontinuing to include the data as a\nsingle data field in single-family\nNational Files A and B, and the\nalgorithm used for collapsing the five\nco-borrower race or national origin\nfields and co-borrower ethnicity field to\nthe single data field is the same as that\nused for the five borrower race or\nnational origin fields and borrower\nethnicity field discussed under single-\nfamily data fields 41a-41e above.\n\nd. Single-Family Data Field 42f: Co-\nBorrower Ethnicity\n\nThis new data field identifies the\nethnicity of the co-borrower of the loan\nacquired by the Enterprise. The\nEnterprises have been reporting single-\nfamily co-borrower ethnicity to FHFA,\nbut the data was previously included\nunder code 7 (Hispanic or Latino) in\ndata field 42 in the single-family PUDB\n\nfiles, and not as a separate data field.\nThe Enterprises did not comment on\nthis data field.\n\nTo conform to HMDA reporting\n\nrequirements for co-borrower ethnicity,\nFHFA has added this data element as\nnew data field 42f in the single-family\nCensus Tract File. (See the single-family\nmatrix in the Appendix for the specific\ncodes that apply.)\n\ne. Single-Family Data Field 59: Lien\nStatus\n\nThis new data field identifies the lien\n\nstatus of the single-family loans\nacquired by the Enterprises. The\nEnterprises have been reporting single-\nfamily lien status under the ‘‘purpose of\nloan’’ data field. Freddie Mac confirmed\nthat it collects single-family lien status\ndata when it purchases mortgage loans\nand currently provides this data to\nFHFA. Freddie Mac stated that the\nsingle-family lien status data field\nshould be identified in the PUDB as ‘‘not\napplicable’’ because of the Enterprises’\nstatus as loan purchasers, asserting that\nthe HMDA instructions specifically\ndifferentiate between the reporting\nrequirements and data element coding\nfor originated versus purchased loans.\nFannie Mae did not comment on single-\nfamily lien status.\n"}

chunks/json/409e252a6e901612587bc86e66b561cfa380e15013dae2ec720cfa89c669553e.json

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+{"chunk":{"char_end":11864,"char_start":8948,"chunk_id":"chk_da5f6aa44254b9d7","chunk_index":5,"chunk_sha256":"409e252a6e901612587bc86e66b561cfa380e15013dae2ec720cfa89c669553e","date_utc":"2026-01-27T17:50:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_0be59de6f173b03e","text_sha256":"409e252a6e901612587bc86e66b561cfa380e15013dae2ec720cfa89c669553e","token_estimate":789,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Uniform_Appraisal_Dataset__UAD__Aggregate_Statisti_l6yr1e.md"]},"text":"## Documentation\n\n[Overview](/document/uad-aggregate-statistics-data-file-overview.pdf) (10/28/2024)\n\n[Data Dictionary](/document/uad-aggregate-statistics-data-file-dictionary.pdf) (10/28/2024)\n\n[Data File Version History and Suppression Rates](/document/uad-aggregate-statistics-data-file-version-history-and-suppression-rates-v3_3.pdf) (12/18/2024)\n\n[Dashboard Guide](/document/UAD-Aggregate-Statistics-Dashboard-Guide-Documentation.pdf) (2/3/2025)\n\n## UAD Aggregate Statistics Dashboards\n\nThe [UAD Aggregate Statistics Dashboards](/data/uad/aggregate-statistics-dashboards) are the visual front end of the UAD Aggregate Statistics Data File. The Dashboards are designed to provide easy access to customized maps and charts for all levels of users. Access the UAD Aggregate Statistics Dashboards [here](/data/uad/aggregate-statistics-dashboards).\n\n## UAD Aggregate Statistics Datasets\n\nNotes:\n\n- Some of the data files are relatively large in size and will not open correctly in certain software packages, such as Microsoft Excel. All the files can be opened and used in data analytics software such as SAS, Python, or R.\n- All CSV files are zipped.\nEnterprise Single Family Appraisals​ Format Release Date **Quarterly ​Data (2013 Q1-2024 Q3); Annual Data (2013-2023)** All Geographic Areas​ [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_full_v3_3.zip) 12/18/2024 National [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_nat_v3_3.zip) 12/18/2024 States [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_state_v3_3.zip) 12/18/2024 100 Largest Metro Areas [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_cbsa_v3_3.zip) 12/18/2024 Counties [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_county_v3_3.zip) 12/18/2024 Census Tracts [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_tract_v3_3.zip) 12/18/2024 Enterprise Condominium Appraisals Format Release Date **Quarterly ​Data (2013 Q1-2024 Q3); Annual Data (2013-2023)** All Geographic Areas​ [[CSV]](/sites/default/files/2024-12/UADAggs_ent_condo_full_v3_3.zip) 12/18/2024 National [[CSV]](/sites/default/files/2024-12/UADAggs_ent_condo_nat_v3_3.zip) 12/18/2024 States [[CSV]](/sites/default/files/2024-12/UADAggs_ent_condo_state_v3_3.zip) 12/18/2024 100 Largest Metro Areas [[CSV]](/sites/default/files/2024-12/UADAggs_ent_condo_cbsa_v3_3.zip) 12/18/2024 FHA Single-Family Appraisals Format Release Date **Quarterly ​Data (2017 Q1-2024 Q3); Annual Data (2017-2023)** All Geographic Areas​ [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_full_v3_3.zip) 12/18/2024 National [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_nat_v3_3.zip) 12/18/2024 States [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_state_v3_3.zip) 12/18/2024 100 Largest Metro Areas [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_cbsa_v3_3.zip) 12/18/2024 Counties [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_county_v3_3.zip) 12/18/2024 ## Contact\n"}

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