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Mortgage market education

Beyond the mandate: Your guide to valuation modernization

The upcoming Uniform Appraisal Dataset (UAD) mandate is just the beginning. The future of valuation demands more than just compliance—it requires a proactive approach to efficiency, accuracy, and innovation.

Stay ahead with the Modernization Minute 

Get weekly insights directly from the experts! Our exclusive "Modernization Minute" video series features Cotality's Valuation Modernization Product Managers, Rebekah Champagne and Brittany Severhill. In these quick, impactful videos, Rebekah and Brittany break down key topics, emerging trends, and practical strategies to help you navigate the complexities of valuation modernization.

The mortgage industry is moving fast. New regulations, market shifts, and the demand for greater speed and precision mean that fragmented, outdated valuation processes simply won't cut it. Are you ready to move beyond reactive compliance and embrace a strategic path to operational excellence? At Cotality, we believe true modernization unlocks:
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Unrivaled efficiency
Streamline operations, automate tasks, and accelerate turn times.
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Enhanced accuracy
Leverage advanced data and insights for more reliable valuations.
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Future-proof
Adapt quickly to new regulations and market demands.
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Strategic growth
Reallocate resources from manual tasks to drive business forward.
Key timelines

Preparing for UAD 3.6 and beyond

Understanding the upcoming shifts is critical for proactive planning. Here's a look at the UAD 3.6 implementation timeline, directly from the GSEs, to help you prepare your operations.

Ongoing

Industry prep

Education and preparation for all stakeholders.

Sep 8 - Jan 25, 2026

Limited production

Select lenders and software providers will have controlled access to submit UAD 3.6.

Jan 26, 2026 - Nov 1, 2026

Broad production

The new dataset and production environment are available to all; both UAD 2.6 and 3.6 may be used.

Nov 2, 2026

Mandate date

UAD 3.6 becomes required for all new appraisal report submissions.

May 3, 2027

Retirement

UAD 2.6 pipeline revisions will no longer be accepted

Don't wait for the deadline. Proactive adoption ensures a smoother transition and positions your business for future success.
Related resources

Resources for a modern future

Dive deeper into key topics with our curataed collection of white papers, guides, and articles. These resources are designed to provide you with actionable insights and help you make informed decisions about your valuation strategy.

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