Valuation Modernization: The catalyst for smarter lending

For years, the mortgage industry has dealt with valuation processes that felt rigid and fragmented. Now, as the industry faces the GSE UAD 3.6 mandate, many lenders view it as a necessary task for compliance. But what if this mandate was, instead, a significant opportunity to fundamentally reshape the entire lender valuation workflow?

At Cotality, we believe valuation modernization is the catalyst you need to move beyond simple compliance and toward a truly intelligent, risk-aware operation. This is about building a valuation process that is smarter, faster, and more aligned with your overall business strategy.

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The mandate is the starting line, not the finish line

The upcoming GSE UAD 3.6 mandate requires a shift to standardized, discrete data in appraisal reporting. For compliance officers and operations managers, this means updating systems, retraining teams, and ensuring every submission meets the new technical requirements. This is critical, but the real power of this change lies in the data it unlocks.

Standardized data is the backbone of any sophisticated digital transformation. When appraisal data is consistent, discrete, and machine-readable, it changes from a simple document to a powerful, actionable asset. This is where Cotality is leading the way by turning data into actionable intelligence to drive decisions.  

We are not just addressing the UAD 3.6 requirement. We are taking this opportunity to develop new tools and resources that leverage this enhanced data. Our platforms create a holistic view of property collateral, integrating real-time market insights with the new GSE standards. This delivers the necessary ingredients for better, data-driven decisions.

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Mitigating risk by design

For Chief Risk Officers, the ultimate goal is not just to avoid errors, but to implement a process  that delivers scalable, sustained improvements in decision quality. The current market demands lenders to think differently about mortgage risk mitigation. Valuation modernization, done right, is a powerful new tool.

Cotality enables you to go past traditional quality control checks. By leveraging the standardized data from UAD 3.6, our technology can identify key risk indicators much earlier in the cycle. Intelligent automation helps you spot anomalies, flag potential valuation inconsistencies, and gain confidence in collateral accuracy. It turns valuation from a passive checkpoint into an active risk management layer.

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The opportunity for the Chief Executive Officer

A Chief Executive Officer's  focus is on sustainable growth and operational excellence. The choice is clear: treat UAD 3.6 as a cost of doing business or use it to gain a competitive advantage.

By partnering with Cotality, you choose the latter. You gain a smarter lender valuation workflow that reduces friction and cycle times, improves the borrower experience, and actively contributes to mortgage risk mitigation.

Cotality is the leading expert helping lenders navigate this transformation. We offer a holistic solution, deep expertise, and decisive intelligence to move your organization from managing compliance to mastering valuation modernization.

The time to simply keep pace with regulatory change is over. The time to build a smarter, more resilient valuation workflow is now.