In today’s rapidly evolving real estate and mortgage landscape, access to fast, accurate property valuations is more critical than ever. Automated Valuation Models (AVMs) are helping lenders, investors, and appraisal management companies (AMCs) streamline decision-making, reduce costs, and manage risk at scale.
A Background on AVMs
An AVM is a technology-driven tool that uses mathematical modeling to evaluate property values. It pulls data from public records, MLS databases, and proprietary datasets to deliver an estimated market value for a given property. These models typically return a value range and a confidence score, which is a measure of how reliable the estimate is based on available data.
AVMs analyze recent comps (comparable sales), tax assessments, property characteristics, and market trends to determine a value. They’re powered by advanced algorithms and statistical models that continuously improve as more data is processed.
Depending on the use case and provider, some AVMs prioritize coverage, while others are tuned for pinpoint accuracy or balanced performance. This flexibility makes them ideal across a range of valuation workflows.
Why Use AVMs?
AVMs are a fast, cost-effective tools used to supplement the valuation process. Their speed, scalability, and accessibility make them ideal for:
Loan Pre-Qualification
AVMs are a fast, cost-effective tools used to supplement the valuation process. Their speed, scalability, and accessibility make them ideal for:
Portfolio Risk Analysis
Financial institutions leverage AVMs to periodically reassess the value of properties across their mortgage portfolio and assess loan-to-value (LTV) percentages. This helps them monitor exposure and identify risk concentrations.
Collateral Monitoring and Revaluation
Over time, property values fluctuate. AVMs help lenders and servicers revalue collateral at scale. This is essential for loan servicing, securitization, and maintaining loan-to-value (LTV) compliance.
While AVMs aren’t always a substitute for traditional appraisals, they are a powerful tool for scenarios where full inspections or appraisals are unnecessary or inefficient.
Pros
- Instant results
- Highly scalable and cost-effective
- Available through APIs or platform interfaces
- Continuously improving with better data quality
Cons
- Less reliable in rural or data-scarce areas due to lesser comps
- No human judgment
- Not suitable for all loan types or property conditions
ValueLink’s AVM Offerings: More Choices, Better Insights
At ValueLink, we deliver a unified AVM platform built for today’s fast-moving lending and servicing landscape. From rapid checks to deeper automated analysis, our AVM network connects you to industry-leading models, helping you reduce costs, improve accuracy, and scale with confidence.
Whether you're managing risk or optimizing portfolio performance, there's an AVM in our network tailored to your needs. 👉 View all AVM Options
Cascade AVM Options
Need even greater flexibility? Our Cascade AVMs let you prioritize what matters most – whether it’s hit rates, regional accuracy, or a balanced blend of both.
Featured Cascade Options:
1) ValuSTREAM by Veros
- Accuracy-Focused: High hit rates with precise ranges
- Coverage-Focused: Regional datasets for broader applicability
- Balanced: Statistical models + rich property data
2) OptiVal by Cotality (formerly CoreLogic)
3) Advantage Cascade by ICE Mortgage Technology
These cascades are live, configurable within the ValueLink platform, and ready to power up your valuation strategy.
Benefits of Using the ValueLink AVM Network
- Unified access to top-performing AVMs from the industry’s best providers
- Instant delivery via platform or API
- Flexible options for ordering: standalone or within an appraisal workflow
- Confidence scoring and insights to support compliance and reduce risk
Whether you're running bulk checks across a loan portfolio or making quick pre-funding decisions, ValueLink’s AVM suite is your one-stop solution.
Next Steps: Let’s Elevate Your Valuations
Explore our full AVM offering and discover how ValueLink can transform your valuation workflows – making them smarter, faster, and more cost-effective. Schedule a Consultation with our experts today and find the right AVM options for your valuation process.
