UCDP Not Successful vs Rejected: What Each Status Means

Published October 5, 2026

UCDP uses a few words that sound alike and mean very different things. Here is what the UCDP General User Guide says each one means for a UAD 3.6 submission.

The statuses

• Successful: no fatal findings were triggered. Loans delivered to either GSE need an appraisal with a Successful status in UCDP.
• Not Successful: one or more fatal findings were triggered. All fatal findings have to be resolved, which may mean correcting the data and resubmitting a corrected file.
• In Progress: UCDP is still processing the file.
• Rejected: UCDP did not accept the package. A rejected submission does not get a Doc File ID and does not add to or change any existing submission.

Fatal and Warning findings

The URAR compliance rules each carry a severity. Fatal causes a Not Successful status. Warning does not stop a Successful status, but it flags something that should be reviewed. The message text you see on the Submission Summary Report is the message text in the published rules, with a rule ID such as UAD1189.

What gets a submission Rejected

The UCDP user guide lists the messages that come with a rejected submission. They are about the package, not the appraisal data:

• Invalid ZIP file, missing XML file, or too many XML files
• XML not well formed, or XML with non UTF-8 characters
• Document type that cannot be detected, or expected file attachments missing
• An update or completion report sent before the appraisal report
• Duplicate submission for the same business unit and lender loan number
• File too large (a UAD 3.6 ZIP may not exceed 60 MB)
• Account and setup problems, such as a missing business unit number or lender loan number

So a typo in a field makes a report Not Successful. A broken package makes it Rejected. The fix for the first is the data. The fix for the second is the file.

What does "hard stop 401" mean?

People often mean FNM0401, a Fannie Mae message from UAD 2.6. It says the appraiser reported materially different sales prices in one or more appraisal reports, and asks for the sales price to be verified. In the Fannie Mae messaging guide it is a Warning, not a hard stop. For UAD 3.6, the UCDP FAQ says submissions get a simpler findings structure that does not tie GSE proprietary findings to hard stops.

Who sees what

Only lenders and their agents can submit to UCDP, so appraisers see these statuses through the lender or AMC. If you are asked to correct a report, ask for the SSR: it names each finding and its rule ID.

From the UCDP General User Guide (February 2026), the UCDP FAQ, Appendix H-1 URAR Compliance Rules v1.5, and the UCDP Fannie Mae Messaging Guide for UAD 2.6 (June 2026).