New · Real EstateLegal & Compliance
Appraisal review. Cited, not just checked.
A full USPAP-aligned appraisal review against a fixed checklist — every finding cited to the source report, produced in minutes instead of a manual page-by-page read. Built for lenders and AMCs reviewing dozens of appraisals a month.
15 cited fields per report. Built on Sphere AI Foundry.
appraisal_review — file #A-4821LIVE
00:00Ingest → URAR 1004, subject 118 Maple Stread
00:04Sales comparison → GLA adjustment $14/sq ft, supportedpassed
00:07Comp 2 lot adj. → +$8,000, no paired-sales rationaleflagged
00:11Reconciliation → within supported range, reasonablepassed
00:12Classification → Accept-with-conditions, 1 findingsealed
review time 12sfields cited 15/15human sign-off required
Built on Sphere AI Foundry·USPAP 2024 aligned·21 years, 300+ clients
Manual review doesn't scale with volume
A single appraisal review means a reviewer reading 30–80 pages line by line, cross-checking comparables and adjustments against a checklist, then writing up findings by hand. At low volume that's manageable. At dozens of files a month, it's the bottleneck between underwriting and a closed loan.
92%
faster first-pass review vs. a manual read
15
fields extracted & cited per report
100%
of findings traceable to a source page
Question in, cited answer out
Four steps, every one logged and citable back to the source appraisal.
01
Ingest
Reads the appraisal directly from your systems
URAR 1004, Condo 1073, Small Residential Income 1025, or a commercial narrative — read from your AMC platform, LOS, or document repository. No separate upload step.
Source document
118 Maple St — URAR Form 1004
02
Review against checklist
Every section checked against your fixed standard
Subject profile, highest-and-best-use, sales comparison grid, cost and income approach, reconciliation — each checked against a USPAP-aligned review standard, not a generic summary.
Example query
"Does the sales comparison grid support the GLA and lot-size adjustments?"
03
Cite every finding
No finding without a citation
Each deficiency or confirmation links back to the exact page and field in the source report — the citation travels with the finding, not as a separate lookup.
Cited finding
Comp 2 lot-size adjustment lacks paired-sales support.
cited to p.4, Sales Comparison Approach04
Classify & route
One classification, one consolidated list
The agent returns Accept, Accept-with-conditions, or Reject, with a consolidated deficiency list for reviewer sign-off before the underwriting decision.
Classification
AcceptAccept-with-conditions ✓Reject
15 fields, every one cited
What the agent extracts from every report it reviews.
Review summary & classification
Appraiser credentials check
Subject property profile
Highest-and-best-use analysis
Sales comparison grid + adjustments
Cost approach validation
Income approach validation
Reconciliation reasonableness
Consolidated deficiency list
USPAP Standard 4 reviewer report
Typical inputs
What the agent reads, and what it connects to.
Documents
- Appraisal report (URAR 1004, Condominium 1073, Small Residential Income 1025, or a narrative commercial report)
- Comparable sales data and the appraiser's addenda and exhibits
- Prior appraisal on the subject, where one exists
- Purchase contract, for a purchase transaction
- Engagement or scope-of-work letter
Systems
- Appraisal management (AMC) platform
- Loan origination system
- Document repository or imaging system
Is this the right fit?
Built for volume — not a one-off review.
✓ Works best for
- Lenders and AMCs reviewing 20+ appraisals a month
- Teams standardizing on a fixed USPAP-aligned checklist
- Operations wanting every finding traceable to source
Too small for
- A single one-off appraisal a chief appraiser can read end to end faster than configuring the review
- Replacing appraiser judgment or final sign-off
- Non-standard, heavily narrative reports without a fixed checklist
Grounded in USPAP, not a black box
Compliance-first, the same standard every Sphere agent is held to.
The agent requires complete documentation before it will return a classification, and every review sits between your underwriting pre-screen and the final underwriting decision — never past it. A human reviewer confirms every Accept/Reject before it reaches a credit decision.
Findings reference USPAP 2024, FIRREA, and 12 CFR requirements directly — see how the same audit-trail standard applies across regulated deployments in Governed AI for Banks and Private LLM Deployment for Banks and Financial Institutions.
Prerequisites complete file
Complete documentation and appraiser confirmation required before a classification is returned.
Human review required
A reviewer confirms every classification before it reaches an underwriting decision — never fully autonomous.
Regulatory grounding USPAP 2024
Findings reference USPAP 2024, FIRREA, and 12 CFR requirements directly in every reviewer report.
Foundation Sphere AI Foundry
Access controls and audit trail configured here carry forward to every other agent you deploy.
Frequently asked
Does the Appraisal Review Agent replace the appraiser or the reviewer?
No. It replaces the manual first pass of the review — reading the report and checking it against your standard. A human reviewer still confirms the final classification before it reaches an underwriting decision.
What appraisal forms does it support?
URAR Form 1004 (single-family), Condominium Form 1073, Small Residential Income Form 1025, and commercial narrative appraisals. Additional forms can be added during onboarding.
How does it integrate with our existing AMC or LOS platform?
It reads directly from your AMC platform, loan origination system, or document repository — no separate upload step required. Integration scope is confirmed during deployment planning.
Is every finding actually traceable to the source document?
Yes. Every deficiency, confirmation, and extracted value cites the specific page and field in the source appraisal — there's no finding without a citation back to the report.
How is this different from a generic document AI tool?
It's built specifically around a USPAP-aligned review checklist and the 15 fields a lending QC workflow needs — not a general-purpose summarizer. It runs on Sphere AI Foundry, so the access controls and audit trail you set up here carry forward to other agents you deploy.
Start here
See it on your own appraisals
Bring three real files to the demo. We'll show the review output live — classification, citations, and the consolidated deficiency list, on your own documents.
Looking for a different workflow? Browse the full Agent Catalog.
Talk to a solutions architect
Direct to a senior architect — never a sales queue. Replies within one business day.
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