UAD 3.6 in Production for ValueLink with VanDyk Mortgage

March 3, 2026

UAD 3.6 is the most significant overhaul to appraisal data standards the mortgage industry has seen in over a decade. The shift from form-based reporting to a dynamic, XML-driven dataset changes how appraisal data is structured, validated, and delivered across every point in the origination chain. For lenders and appraisal management platforms, the question is not whether UAD 3.6 is coming. It is whether the workflow is built to handle it in production, not just in a test environment.

ValueLink has processed UAD 3.6 appraisal orders in production with VanDyk Mortgage, running end-to-end through the full appraisal workflow from LOS intake to compliant report delivery.

“Adopting UAD 3.6 isn’t just about technology; it’s about ensuring the entire workflow—from order intake through final delivery—functions seamlessly. Our work with ValueLink has allowed us to integrate UAD 3.6 into our production environment while maintaining consistency for our teams and partners. As the industry moves forward, the lenders who succeed will be the ones focused on execution, not just implementation.”

Jeanie Nivison, CEO, VanDyk Mortgage

“UAD 3.6 readiness is ultimately proven in production. This announcement reflects what matters to lenders: a stable, repeatable workflow that supports UAD 3.6 from LOS intake through automated validation and compliant delivery. Our focus has been to operationalize the full chain so lenders can adopt the new standard without creating exceptions across teams and systems.”

– Aqil Ahmed, SVP of Operations, ValueLink Software

What the Workflow Looked Like: End-to-End UAD 3.6 Delivery

A UAD 3.6 order is live when the full chain holds together: LOS intake, workflow execution, MISMO 3.6 package handling, automated validation, submission, and delivery. In the ValueLink and VanDyk Mortgage production flow, that chain ran across six connected stages.

  • Order intake via the LOS: The order originated in Encompass and entered ValueLink through the EPC integration. Under UAD 3.6, intake quality at the LOS level determines whether the downstream workflow runs clean or begins accumulating exceptions from the start.
  • Workflow orchestration inside the appraisal management platform: The order moved through standard appraisal management stages including vendor assignment and turn-time management.
  • MISMO 3.6 package handling. The completed appraisal came back from the field via Alamode in UAD 3.6 format as a ZIP package containing a MISMO 3.6 XML file, an embedded PDF, and supporting exhibits. The platform retrieved, scanned, unpacked, and validated the package before moving it into review.
  • Automated review and validation through CrossCheck. The report ran through CrossCheck, ValueLink’s appraisal review and compliance engine, applying 700-plus UAD 3.6 validation rules aligned to the GSE guide including Fannie Mae UCDP Appendix H-1, across required data elements, field dependencies, and dataset consistency.
  • UCDP and SSR submission support: The workflow supported UAD 3.6 submission patterns including SSR flows and UCDP submission via updated API integrations aligned to the new standard.
  • Delivery back to the lender: After CrossCheck validation, the report delivered back through the Encompass integration in ZIP, XML, and PDF formats configured to the lender’s operational preference.

Together, ValueLink and VanDyk Mortgage have demonstrated what a production-ready UAD 3.6 appraisal workflow actually looks like, from lender origination through compliant report delivery, across six connected stages, on a live pipeline. That is the standard the industry is measuring UAD 3.6 readiness against.

What Operational Readiness for UAD 3.6 Actually Requires

UAD 3.6 readiness is a workflow readiness under real operating conditions. The standard introduces a ZIP-based, data-first appraisal artifact and a structurally more rigorous validation model. Every layer of the appraisal chain has to be aligned to handle that consistently at production volume. Lenders working through their UAD 3.6 transition should be stress-testing each of the following against their current setup.

  • LOS-connected intake that captures UAD 3.6-relevant data at origination.
  • Vendor readiness and appraisal workflow orchestration that runs UAD 3.6.
  • Production-grade MISMO 3.6 package handling.
  • Automated validation aligned to GSE UAD 3.6 requirements
  • UCDP and SSR submission support built for UAD 3.6.

ValueLink Is Ready to Help You Process UAD 3.6 Orders

ValueLink’s production deployment with VanDyk Mortgage covers the full appraisal technology chain and is built to extend to any lender working through their UAD 3.6 transition. If you are moving into UAD 3.6 production or evaluating where your current workflow has gaps, we can walk through your setup end to end and show you what production-ready UAD 3.6 processing looks like in practice.

Let’s talk.

About VanDyk Mortgage

VanDyk Mortgage Corporation is a national mortgage lender focused on delivering exceptional service while embracing innovation that improves the mortgage experience for borrowers, partners, and industry professionals. The company is committed to staying at the forefront of mortgage technology, continually adopting new tools and processes that enhance efficiency, accuracy, and transparency throughout the lending process.

Founded in 1987, VanDyk Mortgage is licensed in 48 states and operates more than 34 branch offices with over 145 originators nationwide. By partnering with leading mortgage technology providers and supporting industry initiatives, VanDyk continues to help shape a more modern, data-driven future for mortgage lending.

For more information, visit vandykmortgage.com.

About ValueLink Software

Founded in 2009 and based in Houston, Texas, ValueLink Software is a leading provider of technology solutions to the real estate industry. The company offers a comprehensive platform designed to help Lenders, Appraisal Management Companies (AMCs), and Appraisers manage the valuation process for residential and commercial properties. With constant innovation and technology integrations, ValueLink has become a premier valuation management platform that is scalable and supports compliance with evolving industry requirements.

For more information, visit valuelinksoftware.com.