UAD 3.6 hybrid appraisals move closer to broader mortgage use

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For loan officers, the practical issue is whether appraisal ordering, borrower expectations, and turn times start changing as UAD 3.6 arrives.

UAD 3.6 hybrid appraisals are moving into the spotlight as the mortgage industry prepares for the next version of the Uniform Appraisal Dataset. HousingWire reported on Oct. 8, 2026, that hybrid eligibility is now in the high-90% range for some programs, expanding potential use cases ahead of Nov. 2.

For producing loan officers, the story is not just appraisal technology. It is borrower communication, realistic closing timelines, and making sure referral partners understand why an appraisal may look different from the traditional full interior inspection process.

Key takeaways

• HousingWire reported that UAD 3.6 is coming, with hybrid appraisals positioned for the new data environment.
• Hybrid appraisal eligibility is now in the high-90% range for some programs, according to the report.
• The report ties the expanded use case to the run-up to Nov. 2, though program-level details were not provided in the supplied material.
• Loan officers should be ready to explain what a hybrid appraisal is — and what it is not — before borrowers are surprised by the process.

Sources

• HousingWire — UAD 3.6 is coming. Hybrid appraisals are built for it.

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