Has Anyone Completed A 3.6 Yet

[J Grant]

As far as I know there is nothing forcing any appraiser to use AI at all, much less rely blindly on AI analysis. Ever since I started in this business in the early 1980s, appraisers have had to make choices about tools/technology to use (or avoid). Just for example, I was using apps to collect data in the field over 20 years ago, but today only about 1/3 of appraisers use that technology. Some have long used apps to auto import MLS data. Some choose/chose not to use such apps. Choices around use of AI are no different than other choices over the past 4 decades.

I would also note that, despite attempts to characterize it otherwise, nothing in the design of UAD 3.6 was done intentionally facilitate use of AI.

I am not making an objection based on appraisers being forced to use AI. I never said appraisers are forced to use AI -perhaps I will use AI at some point, though, as long as appraisal standards remain, I would also do my own research and verification.

Imo the choices about AI are different than choices about previous technology- prior tech are tools to save time, such as auto import of MLS data- the AI goes further because it can choose the comps, make the adjustments, provide narrative comments and charts/stats that support its own conclusions. And unless an appraiser is forced to disclose how much AI they used, who could tell the difference? Appraisers taking the time to do their own work to check the AI are penalized by making far less an hour. Think about what is wrong with this sytem.

Whether any of the AI outputs develop a credible MV seems beyond the reach of the kind of QC reviews, so the question is, where is the oversight, or penalty, for an appraiser using AI to do large segments of the entire appraisal with barely any input from the appraiser?

 

[DWiley]

I am not making an objection based on appraisers being forced to use AI. I never said appraisers are forced to use AI -perhaps I will use AI at some point, though, as long as appraisal standards remain, I would also do my own research and verification.

Imo the choices about AI are different than choices about previous technology- prior tech are tools to save time, such as auto import of MLS data- the AI goes further because it can choose the comps, make the adjustments, provide narrative comments and charts/stats that support its own conclusions. And unless an appraiser is forced to disclose how much AI they used, who could tell the difference? Appraisers taking the time to do their own work to check the AI are penalized by making far less an hour. Think about what is wrong with this sytem.

Whether any of the AI outputs develop a credible MV seems beyond the reach of the kind of QC reviews, so the question is, where is the oversight, or penalty, for an appraiser using AI to do large segments of the entire appraisal with barely any input from the appraiser?

When we see an appraiser adjusting at $30/SF on a 5 million dollar home, we do not care how if that adjustment came from a list or from AI

 

[Joe Flacco]

If the house is a teardown on a $5 million lot, then that adjustment might actually be $0.

 

[shrubberyvaluation]

They will use appraiser fees against each other. For example, if there is someone in your market that will do a 3.6 appraisal for $375.

Some will find someone on the other side of the country who will do it for less that can slam it out in 1 hour without any market knowledge.

 

[shrubberyvaluation]

If the house is a teardown on a $5 million lot, then that adjustment might actually be $0.

Sometimes a non teardown can have no economic life on a $5 million lot. People typically don't buy $5 million lots and want to live in some house that is typical on a $50,000 lot.

 

[Joe Flacco]

Sometimes a non teardown can have no economic life on a $5 million lot. People typically don't buy $5 million lots and want to live in some house that is typical on a $50,000 lot.

Then it is a teardown. It could be a fully renovated teardown. If that is what you are saying.

 

[djd09]

Funny yet scary at the same time -Orwellian, Machiavellian, deceptive -
If the profiteers can control the valuations and regulation, they can also profit from the RE market itself.

how is it legal for our competitors to write the sow...their forms...their guidelines...their review...their condition ratings...steal your data...turn you into the state...and then waive the appraisal...pure insanity

 

[djd09]

SANTA ANA, Calif., May 13, 2026--(BUSINESS WIRE)--Veros Real Estate Solutions (Veros®), an industry leader in enterprise risk management and collateral valuation services, today launched VeroSCORE™ for Uniform Appraisal Dataset (UAD) 3.6. As the technology provider behind the Uniform Collateral Data Portal® (UCDP®) and Electronic Appraisal Delivery (EAD), Veros engineered this updated risk-analysis and quality-review platform to directly support the mortgage industry's mandatory transition to the UAD 3.6 format.

"The shift to the new dataset represents a fundamental operational change for the mortgage space," said Darius Bozorgi, Chief Executive Officer at Veros. "We reengineered VeroSCORE to deliver immediate visibility into collateral risk with full UAD 3.6 compatibility. By automating the bulk of the quality control process, our clients can eliminate manual bottlenecks, reduce review times, and lower their costs to produce a loan."

Mortgage lenders, appraisal management companies (AMCs), and appraisers face immediate operational hurdles as the market transitions to UAD 3.6. VeroSCORE empowers review teams to easily keep pace with new market demands. It identifies errors and omissions upfront, ensuring files are complete, compliant, and ready for agency submission before they ever reach an underwriter.

just your common parasite...

 

[J Grant]

SANTA ANA, Calif., May 13, 2026--(BUSINESS WIRE)--Veros Real Estate Solutions (Veros®), an industry leader in enterprise risk management and collateral valuation services, today launched VeroSCORE™ for Uniform Appraisal Dataset (UAD) 3.6. As the technology provider behind the Uniform Collateral Data Portal® (UCDP®) and Electronic Appraisal Delivery (EAD), Veros engineered this updated risk-analysis and quality-review platform to directly support the mortgage industry's mandatory transition to the UAD 3.6 format.

"The shift to the new dataset represents a fundamental operational change for the mortgage space," said Darius Bozorgi, Chief Executive Officer at Veros. "We reengineered VeroSCORE to deliver immediate visibility into collateral risk with full UAD 3.6 compatibility. By automating the bulk of the quality control process, our clients can eliminate manual bottlenecks, reduce review times, and lower their costs to produce a loan."

Mortgage lenders, appraisal management companies (AMCs), and appraisers face immediate operational hurdles as the market transitions to UAD 3.6. VeroSCORE empowers review teams to easily keep pace with new market demands. It identifies errors and omissions upfront, ensuring files are complete, compliant, and ready for agency submission before they ever reach an underwriter.

just your common parasite...

Where to they come up with those names...

 

[djd09]

Where to they come up with those names...

AI disruption, UAD 3.6 rules bring upgrades to appraisal tech​

By Spencer Lee
Published May 14, 2026, 10:36 a.m. EDT
4 Min Read

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Artificial intelligence and changes in reporting rules are disrupting traditional appraisal operations in 2026, and tech providers are moving in with new solutions.

https://www.nationalmortgagenews.co...ad-3-6-rules-bring-upgrades-to-appraisal-tech

which names...