Key facts
- Hybrid appraisals are presented as a solution to manage increased inspection burdens under UAD 3.6.
- UAD 3.6 requires appraisers to measure every room and document interior/exterior characteristics more systematically.
- Property data collectors in hybrid programs already follow standardized protocols mirroring UAD 3.6 expectations.
- Hybrid appraisals can run two to three days faster than traditional appraisals on average.
- Hybrid appraisal eligibility has risen to the high-90% range for some programs.
The UAD 3.6 mandate, effective November 2, introduces more rigorous property data requirements for appraisals, potentially increasing inspection times. While a one-time exception allows some lenders to continue using UAD 2.6 reports until May 19, 2027, with reduced protections from March 1, 2027, many lenders are proceeding with the November 2 mandate. Hybrid appraisals are presented as a solution that aligns with UAD 3.6's data standards, offering faster turn times and a tested workflow. Property data collectors in hybrid programs already capture the detailed information required by UAD 3.6, including measuring every room and documenting characteristics systematically. This approach allows appraisers to focus on analysis and valuation, leveraging structured data for more consistent and reliable opinions of value.