Appraisal Management & Loan Data Delivery Solution
Appraisal Management & Loan Data Delivery Solution
Seamless Electronic Appraisal Delivery
Veros is the official technology provider for the Uniform Collateral Data Portal ® (UCDP®). Led by Fannie Mae® and Freddie Mac® under the direction of the FHFA, UCDP is the first industry-wide initiative to facilitate the transmission of standardized appraisal data in order to improve data quality and reduce repurchase risk. Complemented by the Uniform Appraisal Dataset (UAD) initiative, these programs dramatically improve the industry’s ability to communicate in a consistent language and to review valuation risk much earlier in the loan life cycle.
PATHWAY provides you with a seamless submission solution to Fannie Mae, Freddie Mac and FHA’s appraisal delivery portals — all with minimal integration effort required.  PATHWAY is an ideal solution for volumes too large for manual upload to UCDP or EAD’s web interfaces.
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Features
The Evolution of Appraisals: Adapting to the New UAD 3.6
In a recent Valuation Review article, Veros and Valligent thought leaders, George Paquette, and Kristin Gruidl, speak on the implementation of UAD 3.6, and its impact on the appraisal profession. Additionally, they discuss the impacts of the Uniform Residential Appraisal Report, which will replace outdated forms with a more data-driven format.
Where Have All the Homebuyers Gone?
Over the last several years, the U.S. housing market has seen a sharp decline in buyer activity. In May from 2016 to 2022 (except 2020), over five million homes were sold at an annualized rate. In contrast, May 2025 saw just four million sales (NAR). This drop is not limited to first-time buyers—repeat buyers are also pulling back from the market. So, where have all the buyers gone?
Q3-2025 Quarterly Economic & Housing Market Update
The strong inflation reading for June was largely due to higher shelter and food prices, as well as goods that are more prone to higher tariffs. The shelter category of the CPI (Consumer Price Index), which includes housing costs, continued to be a significant and persistent driver of overall inflation. The shelter index increased 3.8% over the last year. However, there are emerging indicators that housing cost pressures may be easing.
