HousingWire Daily Kenon Chen on the most important appraisal changes in 2026
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Nov 21, 2025 Kenon Chen, the Executive Vice President of Strategy and Growth at Clear Capital, discusses pivotal appraisal changes set for 2026. He highlights the importance of UAD 3.6 and warns the industry is behind schedule in adapting. Chen emphasizes the role of mobile technology and machine learning in enhancing appraisals while maintaining the necessity of human appraisers. He also shares insights on how modern workflows can attract new talent to the field, advocating for standardization in data to improve appraisal quality and consistency.
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UAD 3.6 Restructures Appraisal Data
- UAD 3.6 is a major overhaul that restructures how property data is recorded and reported.
- The new schema makes clipboard-based data collection impractical and encourages mobile data capture and structured inputs.
Begin Industrywide Preparation Now
- Start preparing immediately for the November 2026 UAD 3.6 mandate and avoid last-minute scrambling.
- Coordinate across loan origination, middleware, AMCs, appraisers, and investor reporting systems to meet the deadline.
Conference Reveals Low Preparedness
- At an industry conference, almost no lenders had started preparing for the change despite the looming mandate.
- Kenon observed just one person raise their hand when asked who had begun work on readiness.