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Understanding UCDP Submission Errors

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, 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.

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Hard-Stop errors
Error code 100:
Appraised value is missing or provided in an invalid format
  • If the appraised value is missing or is not in the format specified by the UAD, the appraisal must be revised.
Error code 102:
Appraised value is less than or equal to $0
  • If the appraised value is less than or equal to $0, the appraisal must be revised.
Error code 200:
Missing appraiser license information
  • If the appraiser's license information is missing, the appraisal must be revised.
Error code 210:
Missing supervisory appraiser license information
  • If the supervisory appraiser license information is missing, the appraisal must be revised.
Error code 300:
Missing subject address
  • If the subject address is missing, the appraisal must be revised.
Error code 9000:
Invalid submission: File too large
  • 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.
Error code 9001:
Appraisal data in invalid format
  • The report will have to be checked to make sure it's a valid MISMO XML 2.6 file. Since the XML is validated if it's delivered using a MercuryDirect plugin, these errors should be far and few between for Mercury Network users.
Error code 9002:
Unable to convert PDF file
  • 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.
Error code 9003:
PDF not included in XML submission
  • 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 error indicates that the file wasn't delivered using the Mercury Network plugin. Appraisers having difficulties delivering via Mercury Network can call 1-800-900-4954 for help.
Error code 9004:
PDF conversion not allowed
  • 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.
  • Mercury Network users can choose to require MISMO XML for completed reports. Doing so will eliminate these errors, since Mercury Network will check to make sure the PDF is included in the XML file.
  • If the report is delivered using the Mercury Network plugin, this error will be eliminated.

 

 

Errors for which a manual override can be requested
Error code 101:
Appraised value is less than $5000
  • 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.
Error code 302:
Unknown subject address
  • 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.

 

 

Errors with automatic overrides
Error code 202:
Unmatched appraiser license information
  • For now this error will automatically be overridden in UCDP, so you don't need to revise the report for a successful submission.  However, if the information is incorrect, the appraisal will need to be revised so the report is accurate.
  • 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.
Error code 203 and 204:
Appraiser license is suspended in the ASC database
  • For now this error will automatically be overridden in UCDP, so you don't need to revise the report for a successful submission. However, if the information is incorrect, the appraisal will need to be revised so the report is accurate.
Error code 212:
Unmatched supervisory appraiser license information
  • For now this error will automatically be overridden in UCDP, so you don't need to revise the report for a successful submission. However, if the information is incorrect, the appraisal will need to be revised so the report is accurate.
Error code 213 and 214:
Supervisory appraiser license is suspended in the ASC database
  • For now this error will automatically be overridden in UCDP, so you don't need to revise the report for a successful submission. However, if the information is incorrect, the appraisal will need to be revised so the report is accurate.
Error code 303:
Invalid address: Unit number required or not validated
  • For now this error will automatically be overridden in UCDP, so you don't need to revise the report for a successful submission. However, if the information is incorrect, the appraisal will need to be revised so the report is accurate.

    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.
Error code 401 and 402:
UAD compliance check failure (warnings or fatal)
  • 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.
  • For now this error will automatically be overridden in UCDP, so you don't need to revise the report for a successful submission. However, if the information is incorrect, the appraisal will need to be revised so the report is accurate.
   

Doc Details

Understanding UCDP Submission Errors

  • Document 9303
  • Revised: 12/23/2014 ACN

The Big Picture

When a lender or AMC submits an appraisal to UCDP, there are a few errors that may be encountered during the submission process.

This document describes the errors, and what's needed to achieve a successful submission.