The compliance proof layer for automated valuations
Cryptographically verified policy enforcement, MISMO-standardized confidence scoring, and continuous nondiscrimination monitoring — for every AVM your institution touches.
Not a dashboard.
A system of proof.
Every loan, every policy check, every human decision, every seal — cryptographically chained into an append-only evidence ledger. Not logged after the fact. Performed as verifiable protocol events.
When an examiner asks what happened to a loan, you don't search for it. You prove it. The hash chain reconstructs the exact sequence of events — who submitted, what the AI extracted, what the human confirmed, which policy version applied, and whether the result was sealed or flagged.
Every institution that touches
an automated valuation.
From a community credit union processing its first AVM to a national bank governing thousands of valuations per day — the platform scales to your operation.
Credit Unions
NCUA-regulated, member-owned
Community Banks
OCC / FDIC-regulated, <$10B assets
Regional Banks
Multi-state, $10B–$100B assets
National Banks
OCC-regulated, $100B+ assets
Mortgage Lenders
State-licensed, direct-to-consumer
Correspondent Lenders
Originate and sell to aggregators
Fannie Mae Sellers
GSE seller/servicer obligations
Freddie Mac Sellers
GSE seller/servicer obligations
Private Securitizers
RMBS issuance and diligence
Aggregators & Servicers
Bulk acquisition and servicing
Ten domains. One proof layer.
Mortgage Origination
Policy-enforced AVM compliance at the point of origination
Valuation Governance
Institutional control over which AVMs are used, how, and by whom
AVM Quality Control
Cryptographically verifiable random sample QC with audit trail
Nondiscrimination Monitoring
Continuous disparate impact analysis across geography and demographics
AMC Operations
Vendor management, firewall controls, and multi-vendor normalization
GSE Seller/Servicer Oversight
Evidence of AVM governance for GSE compliance requirements
Securitization Diligence
Loan-level valuation proof packets for RMBS transactions
Investor Evidence
Verifiable compliance artifacts for capital markets participants
Model Risk Governance
Cross-vendor performance analytics and confidence tier monitoring
Collateral Proof
SHA-256 sealed valuation evidence for the life of the loan
Five-factor compliance.
Every loan. Every time.
The AVM Final Rule requires institutions to establish quality control standards across five factors. AVMS.AI enforces all five — automatically, consistently, and with cryptographic proof.
Confidence Threshold
MISMO-standardized scoring with cascading thresholds by loan type and property type. Vendor-specific confidence normalization across percentage, FSD, letter grade, and qualitative formats.
policy-enforcedData Integrity
SHA-256 hash chain from document upload through extraction, confirmation, policy check, and seal. Every state transition is an immutable, sequenced protocol event.
platform-enforcedConflict of Interest
Trigger-based vendor watchlist with per-trigger strictness. Configurable match rules, containment matching, and automatic party disclosure checks at every intake point.
policy-enforcedQC Sampling
Cryptographically verifiable random selection. Provably unbiased seed, institutional sampling rates, multi-dimensional breadth tracking across vendor, geography, loan type, and time period.
platform-enforcedNondiscrimination
Continuous disparate impact monitoring with Welch's t-test analysis, FFIEC census tract classification, per-MSA drill-down, and applicable federal and state fair lending law tagging.
continuousEvery vendor. One standard.
CoreLogic reports percentages. ICE reports FSD. Freddie Mac reports letter grades. Zillow reports qualitative terms. Your institution needs to compare them on the same scale.
The AVMS.AI normalization engine translates every vendor's proprietary confidence metric to the MISMO Common Confidence Score standard — with cited FSD conversion breakpoints, documented PP10 alignment verification, and a complete audit trail for every transform.
The platform honestly labels whether a PP10 claim is the vendor's own documented assertion, a platform-derived approximation, or not applicable for the metric type. No black boxes. No inflated confidence. Just defensible math.
However your data arrives.
Same compliance proof.
Upload a single PDF. Drop a loan tape. Integrate your LOS via API. Automate with SFTP. Every path produces identical protocol state — same hash chain, same policy enforcement, same seal.
Document Upload
Upload loan and AVM PDFs. AI extracts, you confirm, the protocol enforces. Human-in-the-loop with machine precision.
Batch Tape
CSV, Excel, JSON, MISMO XML. AI-powered column mapping, smart normalization, census tract geocoding. Thousands of loans in minutes.
REST API
Single-loan or batch validation. Full MISMO response with audit trail. Embed compliance directly in your LOS workflow.
SFTP
Drop files. Get results. Automated processing with email or webhook notification. No integration required — just a folder.
Sign up. Start your trial. Prove compliance.
Every plan includes a 30-day free trial with full platform access. No sales call. No implementation project. Pick the tier that fits your operation and start building compliance evidence today.
The full compliance engine for institutions managing AVM quality control through the web dashboard.
- →All five compliance factors
- →MISMO normalization engine
- →Document upload + batch tape intake
- →Nondiscrimination monitoring
- →Up to 10 team members
Everything in Standard, plus API and SFTP integration for embedding compliance into your origination workflow.
- →Everything in Standard
- →REST API + SFTP integration
- →SSO + unlimited team members
- →Multi-branch location management
- →Vendor firewall + branch analytics
Everything in Professional, plus dedicated infrastructure, advanced analytics, and a dedicated account manager.
- →Everything in Professional
- →Dedicated infrastructure
- →Custom policy configuration
- →Per-MSA fair lending drill-down
- →Dedicated account manager + SLA
All plans are annual subscriptions with no per-loan fees. Need custom terms? Let's talk.
Every AVM without a proof layer
is an uncontrolled risk.
The AVM Final Rule requires quality control standards for every institution that uses automated valuations in covered transactions. The compliance deadline has passed. The platform is ready.
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