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Part of the AVMetrics’ mission is to educate the world about AVMs and how to use them effectively in compliance with regulatory guidelines.
Your free registration entitles you to access our entire educational series of longer, more in-depth whitepapers explaining the nuts and bolts of AVMs, cascades and related regulations. Written by Lee Kennedy, industry expert, published author and contributor to AVMs: 101 and AVMs 201, AVM Academy provides a detailed review of AVMs from the user’s perspective.
Recent Articles
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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Setting the Record Straight on AVM Testing Methodologies
This op-ed offers an affirmation of the core tenets of what is becoming the industry-standard testing framework: a data-driven testing methodology grounded in sound and prudent validation principles. While Veros challenges this approach, the broader AVM ecosystem—including regulators, lenders, and nearly all major AVM providers—have embraced a process that prioritizes objective, real-world performance measurements over…
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Using Appraised Values vs. Arm’s-Length Transactions for Testing AVMs
Using appraisals seems like a great way to get more benchmarks for testing AVMs, and since AVMs and appriasals are trying to do the same thing: predict sales prices, it seems intuitively appealing. However, there are some fundamental problems with using appriased values to test AVMs. Appraised values are subjective and inconsistent, and they introduce…
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