Restb.ai announced the release of a new API called Feature UAD. It’s the industry’s first visual insights solution helping mortgage and appraisal industries comply with the new data standards in the Uniform Appraisal Dataset (UAD) 3.6, which has already arrived.
By using artificial intelligence (AI) to extract property details like features, condition and damage directly from photos, the API helps fill out the redesigned appraisal reports faster and more accurately.
The insights are structured to match the new UAD 3.6 format. They can support more than 100 automated review checks, reducing manual work and compliance risk for lenders, AMCs and software platforms.
“Our AI solution has a primary goal: to help every link in the appraisal chain speak UAD 3.6 fluently,” Nathan Brannen, chief product officer at Restb.ai, said in a release. “Whether it’s automatically identifying features, evaluating interior and exterior condition separately, or detecting damages by severity and location, our outputs map to the new UAD format so clients can pre-fill appraisals, automate rules and support reviewers without adding manual work or ambiguity.”
The new format brings a dramatic increase in data requirements, including photo-level insights, separate condition and quality scores for both interiors and exteriors, and greater consistency in how property characteristics are reported. Restb.ai’s AI models are trained to extract hundreds of data points from real estate and inspection photos, which are then structured to match UAD 3.6’s field-level syntax and definitions.
Additionally, the new Restb.ai solution includes detailed implementation guides and is already being used to configure more than 100 customizable rule validations for appraisal platforms and review tools.
Tony Pistilli, president of valuations at Restb.ai, explained that while the solution does not generate a UAD 3.6 appraisal or create XML files embedding computer vision intelligence directly into the systems that support appraisers and reviewers, the solution does enable faster and more consistent decision-making.
“Even if 90 percent of the industry is ready, the 10 percent can bring the whole system to a halt,” Pistilli said. “UAD 3.6 is like a strand of holiday lights: every stakeholder must be ready, or nothing works. Our solution helps remove the friction by equipping platforms and professionals with the data clarity they’ll need to keep the lights on.”
The UAD 3.6 and redesigned Uniform Residential Appraisal Report (URAR) will be required for all conventional loans submitted to Fannie Mae and Freddie Mac starting next year, set for Nov. 2, 2027.
“This is about enabling, not replacing, appraisers,” Pistilli added. “We’re providing tools that allow appraisers to create more powerful data-driven, consistent, and reviewable reports. UAD 3.6 is a massive change, but with the right technology, it doesn’t have to be a painful one.”