The compliance proof layer for automated valuations
Every AVM your institution touches — cryptographically sealed, policy-enforced across five factors, MISMO-normalized, and examiner-ready. Not compliance reporting. Compliance proof.
Not a dashboard.
A cryptographic system of proof.
Every loan, every policy check, every human decision, every seal — cryptographically chained into an append-only evidence ledger using the same SHA-256 integrity model that secures the Bitcoin blockchain. Not logged after the fact. Performed as verifiable, sequenced protocol events in a tamper-evident hash chain.
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. Modify any event and every subsequent hash in the chain invalidates — making tampering mathematically impossible, not just administratively discouraged.
“Show me your control system.”
The AVM Final Rule requires policies, practices, procedures, and control systems. Not policies on paper. Not a spreadsheet of past reviews. Operational controls that are documented, active, and demonstrable — for every AVM, every loan, every time. Six federal agencies issued this mandate jointly. OCC, Federal Reserve, FDIC, NCUA, CFPB, and FHFA. Every regulator with supervisory authority over mortgage lending and securitization in the United States.
Your examiner will ask to see the system. Not a report about the system. The system itself — the one that enforced the policies, recorded the decisions, and can prove mathematically that nothing was altered after the fact. The one that produces cryptographic evidence on demand, for any loan, at any point in its history.
AVMS.AI is that system. Built on an event-sourced protocol engine with cryptographic hash chaining across every regulated operation. Your compliance evidence begins building from the first loan you process.
Five-factor compliance.
Every loan. Every time.
The AVM Final Rule requires quality control standards across five factors. AVMS.AI enforces all five — automatically, consistently, and with cryptographic proof that they were followed. Not five checkboxes. Five enforcement engines.
Confidence Standards
MISMO-standardized scoring with cascading thresholds by loan type and property type. 24 vendor confidence formats normalized to a single 0-100 scale with five tiers. PP10 alignment verification with cited source documentation for every transform.
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 in an append-only Merkle structure. Modify any action — every subsequent hash invalidates.
platform-enforcedConflict of Interest
Trigger-based vendor watchlist with per-trigger strictness levels and configurable match rules. Vendor firewall with whitelist, blacklist, and allow-all modes. Automatic party disclosure checks at every intake point across all four intake methods.
policy-enforcedQC Sampling
Cryptographically verifiable random selection with provably unbiased Fisher-Yates shuffle and deterministic seed. Multi-dimensional breadth tracking across vendor, geography, loan type, and time period. Auditor-reproducible selection proofs.
platform-enforcedNondiscrimination
Continuous disparate impact monitoring with FFIEC census tract classification, majority-minority outcome analysis, Welch's t-test statistical rigor, vendor × demographic cross-analysis, and per-MSA drill-down. Updated with every loan — not a periodic study.
continuousNine signals. Three dimensions.
A new class of AVM intelligence
The platform sits at the intersection of loan data, AVM data, census data, and policy data. That intersection produces intelligence no other system in the mortgage industry can generate — because no other system occupies this position.
Exception Volume
Total dollar exposure in loans processed under exception policy — where AVM confidence was below your threshold and an operator acknowledged the alert. Before this platform, this number didn't exist in your reporting.
LTV-Confidence Overlap
Loans at the intersection of elevated LTV and exception-range confidence. A cross-reference that requires loan data and AVM data analyzed together — intelligence no LOS or AVM vendor produces individually.
Geographic Concentration
Census tract clustering of overlap loans. Are your high-LTV, low-confidence loans scattered across your footprint — or concentrated in specific neighborhoods? Updated with every loan.
Vendor Distribution
AVM vendor breakdown with MISMO-normalized confidence per vendor. Dominance analysis, multi-vendor comparison, and performance differentials across your entire portfolio.
QC Sampling Breadth
Four-dimensional coverage tracking across vendor, geography, loan type, and time period. When an examiner asks if your QC program has sampled FHA loans in every state you lend in — you have the answer.
Census Tract Coverage
Geographic representation in QC samples. Which communities in your lending footprint have been reviewed — and which haven't yet. Relevant in fair lending contexts.
Five-Factor Summary
One-glance status across every factor the AVM Final Rule requires. What's active, what's enforced, what's being tracked — derived directly from your live protocol state.
Fair Lending Analysis
Welch's t-test disparate impact analysis with per-MSA drill-down. The $50K consultant study that runs continuously as loans enter the corpus — updated with every loan, not once a year.
Legacy Portfolio Sensitivity
Forward-looking what-if: how does your legacy portfolio look under today's thresholds? When you refine standards over time, this tells you the sensitivity of your existing book to those changes.
AVM Lending Timeline
1,138 loans · 27 weeks · sample data
Total Volume
AVMs Processed
Avg Confidence
Within Policy
MISMO-normalized confidence · Four-series composed chart · Sample data
Interactive demoThe artifacts your examiner expects.
Generated automatically.
Every document an examiner could ask for — from a single loan receipt to a bundled examination package — produced from your live protocol state with cryptographic verification. No manual assembly. No copy-paste. No stale evidence.
Compliance Receipt
Per-loan cryptographic proof with five-factor evidence, MISMO normalization audit, and QR-code verification. The receipt an examiner scans to confirm the hash chain — verifiable independently, without platform access.
Written Policies
Your institution's formal AVM Quality Control Standards — auto-generated from your live policy configuration across all five factors. Always current, always derived from actual enforcement rules, never a static document.
QC Round Report
Factor 4 evidence: cryptographic random selection proof with verifiable seed, policy enforcement confirmation, sample breadth analysis across four dimensions, and reviewer attestation with acknowledgment chain.
ND Analytics Report
Factor 5 evidence: majority-minority outcome comparison with Welch's t-test rigor, vendor × demographic cross-analysis, per-MSA disparity indicators, and geographic concentration analysis with statistical caveats.
Batch Receipt
Tape-level compliance proof with per-factor coverage rates, MISMO confidence tier distribution, vendor analytics, geographic distribution, and batch-level cryptographic chain position.
Examiner Package
One click. One ZIP. Written policies, QC reports, ND analytics, and sample compliance proofs — all with SHA-256 hashes in a verification manifest. The complete evidence bundle for regulatory examination.
24 vendors. Seven formats.
One standard.
CoreLogic reports percentages. ICE reports forecast standard deviation. Freddie Mac reports letter grades. Zillow reports qualitative terms. Your institution needs to compare them on the same scale — and your examiner needs to see that you can.
The normalization engine translates every vendor's proprietary confidence metric to the MISMO Common Confidence Score standard — a 0-100 scale with five tiers, cited FSD conversion breakpoints, documented PP10 alignment verification, and a complete audit trail for every transform. Seven metric format families. 24 vendor profiles with three-layer fuzzy matching.
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, auditable math with every step documented.
No implementation project.
No consultants. No SOW.
Compliance officers expect six-month projects, $100K consulting engagements, and a shelf of binders. This is a cryptographic protocol engine with a signup form. The infrastructure is ready. Your institution configures it.
Register
Select your institution type and primary regulator. The platform configures regulatory-body-specific defaults. Two minutes.
Configure
Set confidence thresholds, loan type eligibility, COI watchlist, vendor firewall, QC sampling rates, and nondiscrimination monitoring parameters. Five minutes.
Submit
Upload a loan document, drop a tape, submit via API, or connect SFTP. The protocol enforces your policies and seals the session into the hash chain.
Prove
Download your first compliance receipt. SHA-256 sealed. QR-verified. Five-factor evidence. MISMO-normalized. Examiner-ready.
First compliance receipt in under one hour. No credit card required.
Start Free Trial →However your data arrives.
Same cryptographic 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 five-factor seal.
Document Upload
Upload loan and AVM PDFs. AI-powered extraction with human confirmation. The protocol enforces your policies and seals the evidence. Human-in-the-loop with machine precision.
Batch Tape
CSV, Excel, JSON, MISMO XML. AI-powered column mapping with smart normalization and census tract geocoding. Process thousands of loans with the same per-loan cryptographic rigor.
REST API
Single-loan or batch validation with full MISMO response and cryptographic audit trail. Embed compliance directly in your LOS — the proof layer runs at the point of decision.
SFTP
Drop files. Get results. Automated processing with configurable templates and webhook notification. Enterprise-grade file integration — no development work required.
Built for the institutions
that finance America.
From a community credit union processing its first AVM to a national bank governing thousands of valuations per day to a securitization desk requiring loan-level proof packets — 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
GSE Seller/Servicers
Fannie Mae and Freddie Mac 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
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 cryptographic 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 directly 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, per-MSA fair lending drill-down, 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? Get in touch.
The future of automated valuation
intelligence is cryptographic proof.
The AVM Final Rule is in effect. The compliance deadline has passed. Over $13 trillion in residential mortgage debt is governed by institutions that now require a control system producing verifiable evidence — not reports about evidence. The platform is ready. Your institution's proof layer starts building from the first loan you process.
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