UAD 3.6 Subject Address Errors in UCDP: What Gets Flagged
Published October 5, 2026
The subject address is the first thing UCDP reads, and the rules on it are strict about format. Most address findings come from a missing part or a ZIP code in the wrong shape.
What triggers a finding
UAD1001toUAD1004andUAD1006: provide the address line, city, county, ZIP code and state. All Fatal.UAD1005: the ZIP code must be 5 digits, or 5 digits, a hyphen and 4 digits. Fatal.UAD1007: the state must be a valid 2-character US state or territory code. Fatal.UAD1390: each sales comparable needs an address line. Fatal.
What UCDP does with the address
The UCDP user guide says UCDP automatically standardizes address formats, so 123 Main Street Southwest becomes 123 Main St SW. A spelled-out street suffix is not an error in itself.
Address validation is a separate matter. Under UAD 2.6, Fannie Mae used message FNM0803 when an address could not be validated through its geocoding system, and that message is a Warning, not a hard stop. For UAD 3.6, the UCDP FAQ says GSE proprietary findings are no longer tied to hard stops. We found no published rule that makes a geocoding mismatch fatal, so we do not say it is one.
What the rules do
Only lenders and their agents can submit to UCDP. Appraisers cannot register. So findings reach you through the lender or AMC, from the Submission Summary Report (SSR). In the published compliance rules, a Fatal finding makes the submission status Not Successful, and a Warning does not stop a Successful status. To get to Successful, every fatal finding has to be resolved, which usually means correcting the data and sending a new file.
How to fix it
- Fill in every part of the subject address, including the county.
- Use a 5-digit ZIP or ZIP+4 with a hyphen. No spaces, no extra characters.
- Use the 2-letter state code.
- Check the address against the postal service lookup.
Rules quoted from Appendix H-1, URAR Compliance Rules v1.5. Standardization from the UCDP General User Guide (February 2026). FNM0803 from the UCDP Fannie Mae Messaging Guide for UAD 2.6 (June 2026).
Check the whole file, not just this field. The SpreadRun UAD 3.6 validator runs the delivery specification checks and 585 of the 728 published URAR compliance rules on your XML or ZIP and lists every finding with its rule ID and location. $1.00 per completed report from prepaid credits, with a free test on the page. Check a report
A PASS is not UCDP acceptance. UCDP also runs the rules the validator does not, GSE proprietary checks and its own system checks.
More UAD 3.6 fixes
- Free UAD 3.6 pre-submission checklist
- UAD 3.6 Fatal Findings Explained: What Stops a Report in UCDP
- UCDP Not Successful: What It Means and How to Fix It
- UAD 3.6 Warning vs Fatal Findings: Which Ones Stop a Report
- UAD 3.6 Basement Fields: Fixing the Below Grade Hard Stop
- UAD 3.6 View and Location Codes: Why UCDP Flags Them
- UAD 3.6 Sales Concessions: What UCDP Checks and What It Cannot
- UCDP Not Successful vs Rejected: What Each Status Means
- UAD 3.6 Requirements: The 2026 Guide
Sources: UCDP General User Guide (February 2026), UCDP FAQ, and the URAR Delivery Specification (Appendix A-1) and Compliance Rules (Appendix H-1) on the Uniform Appraisal Dataset page. SpreadRun is not affiliated with or endorsed by Fannie Mae or Freddie Mac. This is general information, not legal advice.