Collateral underwriting often involves balancing speed with accuracy. Reviewing property collateral requires digging into appraisals, photos, and comparables, all while ensuring consistency across files. This is where Property Intelligence comes in, offering reviewers a smarter, more efficient way to work with property data.
Computer Vision for Property Condition and Quality
At the heart of Property Intelligence is computer vision technology that analyzes property photos. Instead of relying solely on narrative descriptions or appraiser notes, reviewers get standardized objective scores that are aligned with the UAD:
● Condition Score – Evaluates the state of maintenance and visible wear
● Quality Score – Assesses the quality of construction and finishes
These scores give reviewers a quick, consistent snapshot of the property, making it easier to identify potential risks early in the process.
Finding the Right Comparables, Faster
Another everyday challenge for reviewers is validating property value. Property Intelligence simplifies this by delivering alternative comparables sorted by similarity. Using computer vision to identify Condition, Quality and style, the system highlights matching properties going beyond simple geography or square footage comparisons.
This makes it easier to spot the most relevant comps and support loan decisions with confidence.
A Layout Designed for Efficiency
Information is only useful if it’s easy to work with. Property Intelligence presents everything on a single screen:
● Map of comparable properties
● Table of property characteristics
● Property photos
As Emily Reynolds, appraiser, noted, this layout helps reviewers analyze appraisals holistically, minimizing mistakes and speeding up reviews.
Automating Appraisal Form Review
Underwriters also spend valuable time cross-checking appraisal reports. With Property Intelligence, they can simply upload an appraisal form and the system automatically extracts the comps and photos from the appraisal report. These are displayed in the same comparables table, making it easy to compare and see how the appraiser’s selections rank against all possible market transactions.
This feature helps lenders validate appraisals faster, reduces manual data entry, and ensures more consistent and accurate decisions.
Why It Matters:
For underwriters and reviewers, Property Intelligence doesn’t replace expertise or automated review systems, it augments expertise with objective, computer vision-backed insights, while still allowing a human expert to make the final decision. From evaluating property condition to verifying comps, the tool helps teams reduce risk, save time, and make valuation reviews more consistent.
Want to see how it works?
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