Erin Dee: Lenders, Stakeholders Need to Pay Attention to UAD 3.6
Erin Dee is Chief Operating Officer with InterLinc Mortgage, Houston. She served as President of the Texas Mortgage Bankers Association in 2025 and 2026.
Uniform Appraisal Dataset (UAD) 3.6 will change how appraisal data is structured and delivered to the GSEs. Lenders and appraisal stakeholders must begin preparing for operational and workflow impacts ahead of the Nov. 2 deadline. MBA NewsLink interviewed InterLinc Mortgage COO Erin Dee about why lenders need to focus now on UAD 3.6.
MBA will host a webinar about UAD 3.6 on Thursday, June 4 from 2:00 PM – 3:00 PM ET. Objectives will include identifying key deadlines, recognizing operational and workflow changes required for successful adoption, explaining the importance of staff training across lending and appraisal review functions, evaluating strategies for managing both legacy and UAD 3.6 formats simultaneously, and discussing common readiness challenges impacting appraisers, lenders, and vendors.
MBA NewsLink: What are your biggest concerns about UAD 3.6 implementation?
Erin Dee: Appraiser readiness. At first investors came out and said they would not accept the new forms until November, but now it seems they are opening up earlier. Appraisers are being slow to adopt, and some are even saying they will retire or just not learn the new forms and stick to VA and portfolio loan programs using the old forms. This has also led to increased costs for the new reports, and when we are already fighting for affordability, this is not a positive thing for consumers.
MBA NewsLink: What steps has your organization begun taking to prepare and test?
Erin Dee: We are deep into the project planning phase with role specific training starting soon. We are speaking to our investor partners, tech partners and appraisers to understand their timelines. We are also building a detailed project plan to ensure that everything from training materials to reports to LOS automation are updated for the new process.
MBA NewsLink: What are you currently hearing from vendors in this space? How about conversations you have had with appraisers and AMCs?
Erin Dee: We are happy that our AMC has been delivering these since the pilot phase and our LOS is able to accommodate the new form. However only about 25% of our appraisers are able to complete the new forms, and I am hearing that up to 10% of appraisers nationwide may opt out altogether. So on a high level I am paying attention to the paradigm shift we may see from our partners in the valuation industry over the next few years, unintended or otherwise.
MBA NewsLink: What advice do you have for other lenders?
Erin Dee: This is not just a simple change in the form. Consider this a major project and dedicate resources appropriately. And remember the November 2nd date is now for new appraisal orders, it is for submissions to UCDP so you really need to be live mid-October at the absolute latest. That is a blink of an eye in this business. Make sure you are talking to your realtor and builder partners about the change, and don’t count on a delay in the effective date.
(Views expressed in this article do not necessarily reflect policies of the Mortgage Bankers Association, nor do they connote an MBA endorsement of a specific company, product or service. MBA NewsLink welcomes submissions from member firms. Inquiries can be sent to Editor Michael Tucker or Editorial Manager Anneliese Mahoney.)
