Identifying s Version: 1.5 Publish Date: 09/09/2013 When an appraisal is submitted to UCDP, the XML data will immediately be checked for errors. Some of these errors can cause the submission to fail, while others can be overridden by the Lender or their Lender Agent, who submits to UCDP on their behalf. These errors are often called UCDP errors, which are different from UAD errors. These UCDP errors can stop submission even if the report is UAD-compliant, although many of these errors would also be considered UAD compliance errors. During the initial phase of UCDP, some UCDP errors will be automatically overridden during submission - those are noted below. However, as of Dec 1st, 2011, submission will fail if the appraisal is not submitted on a UAD-compliant form, when required. The list below shows the errors that can occur during submission, as well as some details about each one. Code 100 101 102 200 202 203 204 Description Appraised value is missing or provided in an invalid format Appraised value is less than $5,000 Appraised value is less than or equal to $0 Missing Appraiser license information Unmatched Appraiser license information Appraiser license is suspended in the ASC database Appraiser license is suspended in the ASC database Details If the appraised value is missing or is not in the format specified by the UAD, the appraisal must be revised. This error can be overridden if you confirm that the value is correct and has been validated by the lender. This error can be overridden if you choose a reason of "Other" and provide comments to the GSE with a valid reason the appraised value is less than $5000. If the appraised value is less than or equal to $0, the appraisal must be revised. If the appraiser's license information is missing, the appraisal must be revised. The license number must match exactly what is listed on the Appraisal Sub- Committee's site, www.asc.gov. Some states require additional text with the appraiser's license number. For instance, Florida requires that the appraiser enter "Certified Residential Appraiser RD1234" where the license number in asc.gov is "RD1234." The extra text will cause this error to occur. So, if the appraiser has to enter any extra text per state or other requirements, you can expect these errors to occur. The GSEs are currently exploring a fix for this issue. Override Allowed Y
Code 210 212 213 214 300 302 303 401 Description Missing supervisory appraiser license information Unmatched supervisory appraiser license information Supervisory appraiser license is suspended in the ASC database Supervisory appraiser license in suspended in the ASC database Missing subject address Unknown subject address Invalid address: Unit number required UAD compliance check failure (one or more fatal) Details If the supervisory appraiser license information is missing, the appraisal must be revised. If the subject address is missing, the appraisal must be revised. This error can be manually overridden for the following reasons: Recent/new construction Subject address located in rural area Address has recently changed and therefore may not be in your database Address is correct and verified via local professional Address is correct and verified by lender Other - This reason can only be used if comments are included to provide a valid reason the subject address is unknown. This error will automatically be overridden if the year built is equal to or less than 2 years ago. This error will automatically be overridden if the property is in the U.S Virgin Islands, Puerto Rico, or Guam. More info: This error message can be a little confusing because it sounds like the unit number is missing which actually might be true, and the report should be checked to be sure. If the report does contain a unit number, the problem might be with the number itself. UCDP wants the unit number to be exactly what is listed in the legal address. They use a third-party service to verify the unit number during submission. So, there are a couple of reasons the unit number might not pass the UCDP check: The address doesn't match USPS. The unit number doesn't match the address when validated by UCDP's third party service. We have no information concerning the third party that is verifying the unit number. What should you do? First, verify the address on the report matches the address in the loan file exactly. If the address varies in any way, the appraisal will need to be revised, and the corrected report should be submitted. If you're 100% sure the address is correct, you won't need to make any changes because the error has already received an automatic override in UCDP. This indicates that there were UAD-compliance errors in the report. In the future, UAD errors will cause submission to fail. Starting Dec 1st, submission will fail if the report is required to be UAD-compliant, but is not submitted on a UAD-compliant form. Override Allowed Y Y Global DMS 2
Code 402 9000 9001 9002 9003 9004 Description UAD compliance check failure (warnings only) Invalid submission: File too large greater than 15Mb Appraisal data in invalid format Unable to convert PDF file PDF not included in XML submission PDF conversion not allowed Details This indicates that there were UAD-compliance errors in the report. In the future, UAD errors will cause submission to fail. Starting Dec 1st, submission will fail if the report is required to be UAD-compliant, but is not submitted on a UAD-compliant form. If the file size is too large (a maximum file size of 15MB) the appraisal must be revised. The most likely fix for this problem is to optimize the size of the photos in the report. Since the MISMO XML file contains the PDF of the appraisal, it's likely that the photos are larger than they need to be, causing an excessive file size. The appraisal will need to be revised. The report will have to be checked to make sure it's a valid MISMO XML 2.6 file. The best way to check this is to open the file with a UAD Reader. If the file is valid, UAD Reader will let you see the appraisal data and the PDF. If not, you'll see error messages when you try to open it, and the report will need to be re-delivered. For more details about this error, please see the Invalid File Type Errors section A new PDF will need to be created from the original report. You might want to make sure the PDF opens with a PDF reader before it's submitted. This indicates that the PDF was not encoded in the XML file, which is required by UCDP. The appraisal will need to be resubmitted using valid MISMO XML which includes the PDF. This indicates that a PDF was submitted rather than MISMO XML. PDFs submitted to UCDP must be converted to XML, but this error means that the PDF conversion contract with Veros has not been executed. Since PDF conversion incurs a fee, the Lender Admin (or Lender Agent Admin) must get set up with Veros in order to proceed. To do so, they'll log directly into UCDP. There, the contract can be found on the Admin tab under the last item - PDF Extraction Contract. etrac requires MISMO XML for completed reports that require UAD compliance. Override Allowed Global DMS 3
Reviewing s and Submitting Override Requests On the View Submissions tab, select s from the Filter drop-down menu. This will show all UCDP submissions that currently have s. Click on the red X icon to view the Submission History for this file. In either the FM Condition or FRE Condition columns, click one of the red X icons s associated with Fannie Mae or Freddie Mac will then be displayed. to view the. The Click on the Reason Code drop-down menu to select the appropriate override reason. Click on the Submit button to continue. You will receive confirmation of a successful submission for the override request. Global DMS Reviewing s and Submitting Override Requests 4
Common Errors and Submission Invalid File Type Errors Code 9001 Description Appraisal data in invalid format Details The report will have to be checked to make sure it's a valid MISMO XML 2.6 file. The best way to check this is to open the file with a UAD Reader. If the file is valid, UAD Reader will let you see the appraisal data and the PDF. If not, you'll see error messages when you try to open it, and the report will need to be re-delivered. Override Allowed The XML is not in the required 2.6 GSE MISMO XML with embedded PDF format. The appraiser submitted a form that the UCDP does not accept. o The UCDP accepts the following forms: UAD Forms on-uad Forms Fannie Mae Freddie Mac Fannie Mae Freddie Mac 1004 70 1004-C 70B 1073 465 1025 72 1075 466 2090-2055 2055 2095 - The report that the appraiser submitted, opens with a page that is not the first page of the form. If there is an invoice, cover page, etc. prior to the first page of the form, the UCDP will reject the file. The file name for the appraisal report XML, has spaces or other special characters. To resolve this issue, either the Vendor, or a Staff User can update the filename and resubmit. o File name with invalid characters: Appraisal//601[46]00*627 Report o File name with valid characters: Appraisal_6014600627_Report The embedded PDF in the XML is not a first generation PDF. Please select a first-generation PDF. The form type on the order is not the same as the form type listed in the XML. o For instance, if the order requests a 1004, but the Appraiser submitted a 1073, the UCDP will return an Invalid File Type error. Global DMS Common Errors and Submission 5
What is MISMO 2.6 XML, and what does an XML file contain? XML, or more importantly MISMO 2.6 XML, is the GSEs' preferred solution for delivering appraisal data. The actual XML is simply a text file, which is very easy for another computer to read and use for business rules. However, embedded in that text file is an actual PDF you create. It's much different than a standard XML which really is just a text file and plain image attachments that then get reconstructed into a printable appraisal report and isn't designed to be what you would've printed from your software. If you were to open a MISMO 2.6 XML file in Internet Explorer or otepad, you would first see the elements from the appraisal in plain text, but scroll down and you would see binary code for the actual PDF. The GSEs have programs to split out that PDF into a separate file, so they will always get a printable appraisal report with all formatting and addenda just as you intended. Since MISMO XML is a standard, it's consistent from report to report, appraiser to appraiser, and across all software vendors. And that consistency lends itself to automation, which means that the XML delivery is much less expensive to process. The GSEs aren't charging banks to deliver XML files, and we're not charging appraisers anything to deliver them. Global DMS Common Errors and Submission 6
Duplicate Submission Error During UCDP submission, there are a few cases where UCDP may return an error indicating that this is a duplicate submission. This doc explains the most common causes of this problem, as well as the likely resolution for each. If you are unsure whether you're dealing with an actual duplicate or if you don't know for sure that the Loan umber or Doc File ID is unique to a particular order, our Support Team can assist you. Please call 877-693-8722 for assistantance. Are you submitting this appraisal for an order that has the same loan number as another order in etrac? If this order has the same loan number as a different order but is a different property/loan, you'll need to give this order a unique loan number. To learn about editing order details, please refer to our Operations Manual. If this order has the same loan number as another order because it is the same property/loan, and you intend to submit an additional appraisal for this loan, see below. How do I know for sure? To find out if there is another order in etrac with this same loan number, search for the loan number in the Staff Module. Global DMS Common Errors and Submission 7
Have you ever submitted this appraisal (or any other appraisal) to UCDP outside of etrac? If you've submitted an appraisal outside of etrac using this loan number (for example: you logged directly into UCDP and submitted the report), then you can contact our Support Team. etrac Support can manually enter the Doc File ID for the appraisal you submitted. After doing so, you can submit the appraisal via etrac, and the SSR will be automatically uploaded to the Files Available For Download page. If this is a different loan altogether, you'll need to edit the order and use a unique loan number for this order. How do I know for sure? To make sure this Doc File ID should be assigned to this loan, you can log directly into UCDP to do a search for the Doc File ID. Here's how: 1. Log into UCDP at www.uniformdataportal.com. 2. Click Search. 3. On the search page, enter the Doc File ID in the Doc File ID field and click Search. 4. Confirm that the Doc File ID you are using is associated with the appraisal you've submitted for this loan. If it is, you can contact etrac Technical Support for assistance with entering the correct Doc File ID. Does this loan require two or more separate appraisals? Global DMS Common Errors and Submission 8
Sometimes, a loan may require more than one appraisal to be uploaded to UCDP. If you are trying to upload an additional appraisal for the same loan, you will need to go to the Files Available For Download page, to upload any appraisal that is in addition to the first one you submitted. Here's how: 1. In the Staff Module, search for the file number that requires the additional Appraisal Report to be submitted to the UCDP. 2. On the Order Details Page, scroll down to the bottom of the screen, and click on the Files Available For Download button. 3. Select the additional Appraisal Report, and click on the Forward to UCDP button. 4. Select the option for Appraisal 2 or Appraisal 3. The submission options for Fannie Mae and Freddie Mac will be pre-selected, based on what you chose for previous submissions on this order. Global DMS Common Errors and Submission 9
5. Click on the Forward to UCDP to submit the additional Appraisal Report. The SSR for the additional submission will appear on the Files Available For Download page, when it becomes available from the UCDP. What is the Submission Summary Report (SSR)? Can I see it to know that my reports were successfully submitted to UCDP? The Submission Summary Report (SSR) tells the Lender whether the Appraisal has been accepted by the Uniform Collateral Data Portal (UCDP) and provides codes for any errors that were encountered as well as other very important information about the submission. It is generated by UCDP and typically retrieved by the person who submitted the appraisal. The SSR will be delivered directly to the Files Available For Download page, for the associated order. Global DMS Common Errors and Submission 10