Built for the institutions that finance America.
Residential mortgages and the real estate they finance form the largest asset class on earth — over $13 trillion in outstanding debt held across thousands of institutions, from member-owned credit unions to the government-sponsored enterprises themselves. Every one of them now needs a control system for automated valuations.
AVMS.AI is that control system — engineered for the regulatory complexity, examination rigor, and operational scale of every institution type the AVM Final Rule covers.
Six federal agencies. One mandate.
The Interagency AVM Quality Control Rule was issued jointly by every federal agency with supervisory authority over mortgage lending and securitization. Your institution's primary regulator will examine your AVM controls under its own examination framework — but the standard is the same across all six.
Office of the Comptroller of the Currency
National banks and federal savings associations
Federal Reserve Board
State member banks and bank holding companies
Federal Deposit Insurance Corporation
State nonmember banks and insured state savings associations
National Credit Union Administration
Federal credit unions and federally insured state credit unions
Consumer Financial Protection Bureau
Non-depository mortgage originators and large depository institutions
Federal Housing Finance Agency
Fannie Mae, Freddie Mac, and the Federal Home Loan Banks
Smaller institutions. Same regulatory standard.
The AVM Final Rule does not exempt institutions by asset size. A $200 million credit union processing fifty AVMs a year faces the same five-factor requirement as a national bank processing fifty thousand. The difference is that the credit union has two people in compliance, not two hundred.
Community banks regulated by the OCC, FDIC, or state banking departments and credit unions regulated by the NCUA need a control system that delivers institutional-grade compliance without requiring institutional-grade headcount. The platform provides regulatory-body-specific policy defaults during onboarding — so a NCUA-regulated credit union starts with the right configuration from day one.
Document upload and batch tape are the primary intake methods for this segment. No API integration required. No IT project. Upload your loan documents and AVM reports, and the protocol does the rest.
Enterprise scale. Protocol-grade evidence.
Regional and national banks operate under the most intensive supervisory frameworks in American banking. OCC-regulated institutions face heightened standards for model risk management. Federal Reserve-supervised institutions operate under SR 11-7 guidance that treats AVMs as models requiring governance, validation, and ongoing monitoring.
At this scale, AVM compliance is not a back-office function — it is a risk committee agenda item. The board needs to see that the institution's AVM controls are documented, tested, and producing verifiable evidence. The platform provides that evidence automatically, across every origination channel and every AVM vendor, with the cryptographic proof that the controls were followed.
API integration embeds compliance validation directly in the loan origination workflow — the compliance check happens at the point of decision, not in a post-closing review six weeks later. SFTP enables automated nightly processing for institutions that prefer file-based integration.
State-licensed originators. Federal obligations.
Non-depository mortgage lenders and independent mortgage banks are regulated by the CFPB for AVM quality control purposes, alongside state licensing requirements. The AVM Final Rule applies to every covered transaction — purchase, refinance, and HELOC originations where an AVM informs the credit decision.
Correspondent lenders face a dual obligation: their own compliance with the rule as originators, and the requirement to deliver loans that satisfy the aggregator's AVM governance standards. The platform produces loan-level compliance proofs that travel with the loan file — evidence that the originator's controls were followed before the loan was sold.
For lenders selling into the secondary market, the compliance receipt becomes a competitive advantage. An aggregator choosing between two loan packages — one with cryptographic compliance proofs and one with a spreadsheet — will make the obvious choice.
The standard the GSEs will expect.
Fannie Mae and Freddie Mac seller/servicers occupy a unique position in the regulatory landscape. They must comply with the AVM Final Rule as mortgage originators — and simultaneously satisfy the GSE selling guides, which are evolving to incorporate AVM governance expectations of their own.
The FHFA, which regulates both GSEs, was one of the six agencies that issued the rule. As the GSEs update their seller/servicer requirements to reflect the new regulatory environment, institutions that already have a documented, operational control system will be ahead of every forthcoming requirement.
The platform's MISMO-normalized confidence scoring aligns directly with the data standards the GSEs already use. The written policy document — auto-generated from your live configuration — is the artifact a GSE reviewer would ask for during a seller/servicer review. It is always current because it is always derived from your actual policies, not a Word document last updated eighteen months ago.
Loan-level proof for capital markets.
The AVM Final Rule explicitly covers secondary market issuers — any party that creates, structures, or organizes a mortgage-backed securities transaction. Private-label securitizers, aggregators acquiring loans for RMBS issuance, and servicers making collateral-dependent decisions all fall within the rule's scope.
For capital markets participants, AVM compliance is not an origination concern — it is a diligence concern. The question is not “did we follow our policies?” It is “can we prove, at the loan level, that the valuations in this pool were evaluated under a documented quality control framework?”
The platform produces exactly that proof. Process an acquisition tape through the batch API, and every loan receives a cryptographic compliance proof — MISMO-normalized confidence, five-factor policy check, nondiscrimination tags, and a hash-chain position linking it into the institution's verifiable evidence ledger. These are the artifacts that belong in a due diligence data room.
Ten domains. One proof layer.
Across every institution type, the platform covers the full operational surface of AVM compliance — from origination through securitization, from vendor selection through fair lending monitoring, from the first loan to the millionth.
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
One platform. Every institution.
One standard of proof.
Whether your institution manages fifty AVMs a year or fifty thousand a day, the platform produces the same cryptographic evidence, the same five-factor enforcement, and the same examiner-ready proof. Start your free trial. Your compliance evidence begins building from the first loan you process.