UAD 3.6 ready ahead of the Nov 2026 GSE mandate
Appraisal-AI
AI-Powered Commercial & Residential Appraisal Review
From upload to delivered review in minutes, not hours. Built where AI engineering meets a seasoned review appraiser’s judgement.
What Appraisal-AI does
- AI review of commercial and residential appraisals with page-cited findings
- Deterministic cross-checks with a reviewer approval gate
- USPAP Standards 1, 2, and 3 compliance checks
- Fair Housing Act bias-language detection (3 severity tiers)
- BRAVE 99-field XLSX generation
- Financial-table extraction to editable Excel
- PDF chat with page-cited answers
- Partner API and webhooks for AMC integrations
- White-label branded report delivery
- UAD 3.6 residential report support
How it works
- Upload the report
- AI review
- Automated cross-checks
- Reviewer approval
- Branded PDF delivered
Security
Row-level isolation, encryption at rest and in transit, role-based access controls, full audit logging, time-limited signed download links, 48-hour AI file deletion, and daily encrypted backups. A SOC 2 Type II examination is in progress.
Frequently asked questions
What is BRAVE and how does Appraisal-AI support it?
BRAVE, the Banking Real-Estate-Appraisal Valuation Exchange, is an open 99-field data standard for commercial appraisals, created by chief appraisers from Bank OZK, U.S. Bank, and Hancock Whitney with Valcre, and endorsed by the Appraisal Institute. Banks like Bank OZK and SouthState now require BRAVE alongside the PDF report. Appraisal-AI extracts and generates the BRAVE XLSX automatically from any commercial appraisal.
Is Appraisal-AI USPAP-compliant?
Yes. The review engine validates reports against USPAP Standards 1, 2, and 3, the development, reporting, and review standards required for all US appraisals. Every flagged issue references the relevant standard so reviewers can defend their findings to clients and regulators.
How does AI-powered appraisal bias detection work?
The bias engine scans every page for language that may violate the Fair Housing Act, such as references to neighborhood demographics, schools used as a proxy for race, or steering language. Each flag is classified into one of three severity tiers: hard-stop (must fix), review-required, or contextual (reviewer judgment). Reviewers can dismiss flags with a recorded reason.
How does Appraisal-AI handle sensitive data and PII?
All client data is isolated at the row level, so no organization sees another's reports. The platform uses encryption at rest and in transit, role-based access controls, full audit logging, and time-limited signed download links. A SOC 2 Type II examination is in progress, and every subprocessor we rely on is published on our sub-processors page.
Do you support both commercial and residential appraisals?
Yes, the platform reviews commercial and residential appraisals, with workflows specific to each. Financial-table extraction and BRAVE XLSX generation are commercial-only, since BRAVE itself is a commercial standard. Bias-language detection and the underlying report review run across both report types.
Does AI replace the human appraisal reviewer?
No, it makes reviewers faster and more thorough. Appraisal-AI flags discrepancies, missing disclosures, and risky language so the reviewer can focus on judgment calls. Every finding includes evidence (page, table, exact phrasing) so the reviewer can verify and decide. Designed alongside an MAI-credentialed appraiser, so every check the AI runs is one an experienced reviewer would actually do.
How long does an AI appraisal review take?
Most reports complete review in minutes rather than the hours a manual review takes. USPAP checks, bias scanning, and financial-table extraction run in parallel, followed by deterministic cross-checks of the extracted figures. Reviewers receive a structured findings report with page-by-page evidence to verify and sign off.
Is Appraisal-AI ready for UAD 3.6?
Yes. The platform parses and reviews UAD 3.6 residential reports today, so lenders can pilot the new format ahead of the GSE mandate that begins in November 2026.
Guides
- What is BRAVE? The 99-field appraisal data standard explained
- UAD 3.6: what changes and when
- USPAP Standard 3 appraisal review checklist
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