VeroSCORE Automated Appraisal Review
Now Supporting UAD 3.6 appraisal format and enhanced report layout
Instantly Review Appraisals for Accuracy and Quality with VeroSCORE
VeroSCORETM is an automated appraisal review tool designed for mortgage lenders, servicers, investors, appraisal management companies (AMCs), and appraisal firms. It enables faster, more confident, and informed decisions by automatically analyzing appraisals completed with the latest UAD (Uniform Appraisal Dataset) standards required by Fannie Mae®, Freddie Mac®, and the Federal Housing Administration (FHA) for quality and reliability.
VeroSCORE analyzes appraisals using multiple data sources, including public records, MLS (Multiple Listing Service), Veros’ industry-leading VeroVALUE automated valuations model (AVM), and advanced analytics to identify risk levels in residential appraisals. With a simple appraisal file input, VeroSCORE conducts address and appraiser license validations, checks for UAD compliance, and runs through thousands of automated data point checks to establish an overall score.
The easy-to-read report accelerates appraisal reviews by quickly flagging critical appraisal concerns, empowering reviewers to focus on high-impact areas right from the start. The report’s detailed breakdown includes compliance findings, data discrepancies, market analysis, and photos, enabling users to efficiently evaluate the results and work with the appraiser to make any necessary revisions proactively.
Benefits of an Appraisal Risk Analysis
Instantly detects red flags in appraisal reports
Identifies how to achieve a successful submission to Uniform Collateral Data Portal® (UCDP®) or Electronic Appraisal Delivery (EAD) Enhances productivity by minimizing review time for quality control reviewers and underwriters May lower operational costs through efficient appraisal review processes
Benefits of an Appraisal Risk Analysis
Instantly detects red flags in appraisal reports
Identifies how to achieve a successful submission to Uniform Collateral Data Portal® (UCDP®) or Electronic Appraisal Delivery (EAD) Enhances productivity by minimizing review time for quality control reviewers and underwriters May lower operational costs through efficient appraisal review processes
Pinpoints and helps mitigate repurchase risk
Flags potential valuation bias by calling out prohibitive text or a large over/under valuation amounts.
Enhances productivity by minimizing review time for quality control reviewers and underwriters
May lower operational costs through efficient appraisal review processes
Data and Analytics Provide Powerful Appraisal Insights
An advanced appraisal scoring technology, VeroSCORE, uses proprietary risk assessment algorithms and a multi-faceted rules engine to enhance efficiency, providing a comprehensive, cost-effective, and fully compliant appraisal risk management solution.
VeroSCORE delivers concise, easy-to-apply corrective actions, replacing the complex, time-consuming manual appraisal review with immediate automated findings and scoring. This significantly simplifies the review process and enables users to identify high-risk appraisals before they result in revisions or repurchase requests.
By incorporating sophisticated analytics with multiple, trusted external data sources and secure automated technology, VeroSCORE creates a multi-dimensional set of scores and sub-scores, providing granular detail into each appraisal and storing it in a centralized data repository.
Compliant, Accurate and Easy to Use
When the government-sponsored enterprises (GSEs) began requiring a quality-assurance strategy for prefunding appraisals, many lenders and AMCs turned to VeroSCORE to thoroughly inspect their appraisal reports before submission. Now with the latest industry shift to UAD 3.6, VeroSCORE removes the angst of successfully fulfilling early 3.6 appraisals while continuing to support UAD 2.6.
VeroSCORE was built by Veros, with unmatched UCDP and EAD experience as the technology provider behind these portals. Backed by extensive client and appraiser feedback, a proprietary rules engine was built to instantly process thousands of data points using complex logic, delivering accurate findings to the user.
Features
- UAD 3.6 and 2.6 Compliance
- File format compatibility with UCDP and EAD
- Automated virus scanning for UAD 3.6 ZIP file uploads
- Comparison of appraisal data to public records and MLS to call out any major discrepancies
- Comparable Sale Analysis
- Comparable Sale and Area Sales Map
- Analysis of the opinion of market value
- Interior and exterior photos of the Subject Property
- Photos of each Comparable Property
- Appraiser license verification
- Ability to add client-specific rules as needed to support the review
Compliant, Accurate and Easy to Use
When the government-sponsored enterprises (GSEs) began requiring a quality-assurance strategy for prefunding appraisals, many lenders and AMCs turned to VeroSCORE to thoroughly inspect their appraisal reports before submission. Now with the latest industry shift to UAD 3.6, VeroSCORE removes the angst of successfully fulfilling early 3.6 appraisals while continuing to support UAD 2.6.
VeroSCORE was built by Veros, with unmatched UCDP and EAD experience as the technology provider behind these portals. Backed by extensive client and appraiser feedback, a proprietary rules engine was built to instantly process thousands of data points using complex logic, delivering accurate findings to the user.
Features
- UAD 3.6 and 2.6 Compliance
- File format compatibility with UCDP and EAD
- Automated virus scanning for UAD 3.6 ZIP file uploads
- Comparison of appraisal data to public records and MLS to call out any major discrepancies
- Comparable Sale Analysis
- Comparable Sale and Area Sales Map
- Analysis of the opinion of market value
- Interior and exterior photos of the Subject Property
- Photos of each Comparable Property
- Appraiser license verification
- Ability to add client-specific rules as needed to support the review
Fast, Easy and Flexible Options
Web Interface
The VeroSCORE appraisal review tool offers an intuitive, web-based interface for users to quickly upload an appraisal XML (2.6) and instantly view the completed, interactive HTML VeroSCORE report on-screen. If desired, simply download the results in XML or PDF formats. VeroSCORE’s interface will be available to consume 3.6 appraisal ZIP files in Summer 2026.
API Integration
VeroSCORE is available via direct API integration for customers requiring a fast, high-volume method to perform automated reviews of their appraisal files in a single system-to-system call. VeroSCORE consumes an appraisal XML (2.6) or ZIP (3.6) and offers both a data response or PDF report output.
