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Recent Articles
AVMetrics Completes Transition to Predictive Testing Methodology
After years of parallel testing, AVMetrics has formally retired its legacy AVM testing process. Predictive Testing Methodology (PTM™) is now the firm’s sole testing platform, evaluating models against eventual sale prices using estimates produced before listing data ever reaches them — a method that aligns with regulatory expectations and reflects how AVMs are actually used…
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MISMO’s Step in the Right Direction, The Common Confidence Score, Is Just One Step
MISMO’s Common Confidence Score standard gives the industry a shared definition of what an AVM confidence score should mean. But defining the target and verifying that models are hitting it are two different things — and the verification requires independent testing at a scale most institutions cannot achieve on their own.
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AO-41 and the Real Technology Question Appraisers Must Answer
AO-41 forces an uncomfortable but necessary question: What does competent reliance look like when the mechanics of the tool are outside the appraiser’s control? The answer is independent, third-party testing—evidence from outside the model that appraisers can actually evaluate.
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Why AVMetrics’ Fair Housing Methodology Surpasses Vendor Approaches
Vendor-published fair housing analyses represent early efforts to evaluate AVM bias, but they’re inherently limited by their self-assessment nature. Each vendor tests only their own model and typically concludes little bias exists. AVMetrics’ independent methodology conducts standardized, national testing across 700,000-1M quarterly transactions using Standardized Mean Difference metrics—delivering the regulatory-grade evidence lenders need to demonstrate…
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What DOJ’s Disparate-Impact Rollback Doesn’t Change About AVM Fairness
The Department of Justice’s recent move to eliminate disparate-impact liability under its Title VI regulations has raised understandable questions across housing and credit markets. But for lenders, GSE partners, and valuation providers preparing for the AVM Quality Control Standards, one thing is clear: The obligations around AVM fairness haven’t gone away. The interagency AVM rule—effective…
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Best Practices for AVM Testing: Why Sale Prices Matter More Than Appraisal Values
Many lenders use the “15% rule” for AVM-based quality control, assuming that when an AVM estimate aligns with an appraisal value, both are accurate. This widespread practice reveals a fundamental misunderstanding that could be undermining the entire valuation ecosystem. The problem? Comparing AVMs to appraisals measures precision, not accuracy. This distinction isn’t just semantic—it’s the…
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