Appraisal Review
Real Estate Appraisal Compliance Services
Real Estate Appraisal Compliance Services

Appraisal Reviews

The real estate appraisal process faces intense scrutiny from examiners and regulators. Financial institutions must conduct independent appraisal reviews to ensure that the appraisals comply with the Agencies' appraisal regulations and are consistent with supervisory guidance. This review also should ensure that an appraisal or evaluation contains sufficient information and analysis to support the decision to engage in the transaction.

For smaller financial institutions, particularly community banks and credit unions, conducting these appraisal reviews in-house can be a time-consuming process often combined with the added challenge of limited personnel, who must be independent of the lending process.
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At Young and Associates, we provide third-party appraisal reviews for residential and commercial loans to help your organization comply with independent appraisal guidelines and regulations. Our experienced professionals provide an objective assessment of selected appraisals, gauge the usefulness of the appraisal document for determining collateral coverage, identify any documentation or procedural concerns, and ensure that the selected appraisals adhere to your policies. Contact us to learn more about our appraisal review services.

Our Outsourced Appraisal Review Process

Outsourcing your Commercial and Residential appraisal reviews to Young & Associates is a practical, cost-effective alternative for financial institutions that ensures regulatory compliance. Through our appraisal review process, we will analyze the report to:

  • Determine whether the appraisal complies with the Agencies’ appraisal regulations and is consistent with supervisory guidance.
  • Determine that the report conforms to generally accepted appraisal standards as evidenced by the USPAP promulgated by the Appraisal Standards Board of the Appraisal Foundation unless principles of safe and sound banking require compliance with stricter standards.
  • Determine whether the appraisal methods, assumptions, and value conclusions are appropriate and, if not, document the reasons for disagreement.
  • Determine the adequacy and relevance of the data used and the propriety of any adjustments made.
  • Determine that the level of detail is sufficient for the institution to understand the appraiser’s analysis and opinion of the property’s market value.

We can customize our reviews based on the needs of your organization, including your established loan threshold and fee structure. As former bankers, our consultants understand the tight timeline for appraisal reviews, so we deliver a fast turnaround time of 3-4 business days for our clients. Contact us to learn more.

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Contact us to learn more about our consulting services and how we can add value to your financial institution