The collateral platform built for the next twenty years, not the last twenty.
The appraisal technology lenders can choose from mostly falls into two groups: platforms designed before the smartphone, and AMCs with a software login. Dwelling Blocks is neither: a modern system, built by engineers and appraisers who know the domain and the models better than anyone in the category, that runs the whole workflow from the loan file to the GSE with almost no one touching it. It already powers the largest direct-to-appraiser appraisal operation in the United States. Lenders who run on it are faster, cleaner in front of an examiner, and ready for what the appraisal becomes next.
Years ahead, and proven at the scale that matters.
The incumbents in this category are legacy ordering platforms that have not changed shape in a generation, and newer entrants that set out to be technology companies, could not build the workflow, and quietly became AMCs with a portal. Neither is a system. Both leave the lender doing the work: building a panel in every state, verifying every license, finding an appraiser for every order, chasing every inspection, reviewing every report, paying every vendor and delivering every file, or paying an intermediary to do it slowly.
We built the system that does all of it. Assignment in minutes from more than 15,000 credentialed vendors. Credentials monitored continuously. Every report read by a model the moment it lands. Every vendor paid on delivery. Every file delivered to UCDP over a direct integration with the response written back to the loan. Then we proved it where it counts: the largest lender in the United States moved its appraisal operation from AMCs onto Dwelling Blocks, direct to appraisers, more than a thousand transactions a day, and it runs with almost no one touching it. No other platform in the category has done that, and none of them was built to.
Every lender on the platform gets that same system, whether they route direct, through their AMCs, or both. A lender that trusts Dwelling Blocks with collateral ends up a better lender: faster to close, cheaper to operate, cleaner in front of an examiner, and already on the system the rest of the industry will have to catch up to.
Neutral ground. Software with no stake in your orders.
Dwelling Blocks does not manage appraisals, does not run a panel and does not take orders. We have nothing to gain from where you route, so nothing on the platform nudges you. Free tools tied to volume, review that only works if the orders come our way, pricing that shifts with who gets the assignment: none of that exists here, because none of it can. The platform costs the same whichever way an order goes.
That matters more than it used to. Compliance teams and regulators look hard at anything of value that travels alongside a referral, and a lender should not have to wonder whether its appraisal technology is one of those things. On Dwelling Blocks it is not. The routing decision is yours, by product, state or channel, and the record shows it was made by you, with the reasons attached. Your compliance team gets a cleaner file, and your vendors get a client who chose them on the merits.
That is what we mean by neutral ground: a system that makes every party in the appraisal better at their job without holding a position in the transaction. It is the only kind of platform we would trust with our own volume, so it is the only kind we built.
Built by people who have done this before, and then did the bigger version.
Dwelling Blocks was founded by Marty Haldane, a third-generation appraiser who grew up in the family appraisal business, inspected the houses and wrote the reports. He founded Anow, the software thousands of appraisal firms ran their businesses on, and sold it in 2021. He knows what it is to be the appraiser waiting on the order, and what it is to be the lender waiting on the report.
With co-founders Ryan Dial, who runs technology, and Slava Mednikov, who runs product, they then built the system that took the largest lender in the United States from AMCs to a fully automated direct-to-appraiser operation: the order record, the network of more than 15,000 credentialed vendors, the payments ledger that has moved hundreds of millions of dollars, the UCDP Direct Integration that delivered UAD 3.6 before most of the industry had read the spec, and Ava, the model that reads every report.
The team around them is hired to the same standard: people who know the domain and the models better than anyone in the category, and who each own a whole piece of a system that moves money, reads evidence and answers to regulators. Work with us →
Eight things we will not trade.
We are software, not an AMC.
We do not manage appraisals, run a panel or take orders. Your routing decision is yours, and nothing on the platform has a stake in it.
The platform costs nothing.
No license, no seats, no modules, no implementation fee. Dwelling Blocks is paid inside the appraisal transaction that already exists, whichever way the order goes.
Switching carries no risk.
Your LOS stays. Your AMCs stay. Your panel comes with you. Orders in flight finish where they started, and we run live orders in parallel before a cutover date you pick. Nothing is lost if you stop.
Simple beats clever.
One order record, one API, two calls that matter, rules written the way you would say them. If a capability needs a training course, it is not finished.
Direct is the easy way.
Going direct to appraisers used to mean building an operations department. Here it means sending the order. The system finds, vets, assigns, follows up and pays, and your AMCs sit right beside it.
Nothing leaves the record.
Every action on every order, by a person or by the system, with who, what, when and why. Your compliance team gets a cleaner file than they have today, on any loan, from any day.
Every customer gets a dedicated team.
The people who built the system support it. You get a named team who knows your configuration, your integrations and your volume, not a ticket queue.
We ship, and we show our work.
UAD 3.6 delivered to UCDP before most of the industry had read the spec. Every model release evaluated on real reports before it touches your pipeline. A public changelog with every change, dated.
What comes next
On November 2, the appraisal becomes structured data for the first time in its history. A report that used to be a PDF is now a record a machine can read completely. We have delivered that report to the GSEs since 2025, and Ava reads it today.
The next Ava runs on a model we are building from the reports, photographs, revisions and outcomes that only a platform in the middle of the transaction can see. The goal is a collateral process that runs itself, inside lines a regulator can read, with a person deciding exactly where a person should. We are closer to that than anyone, because we are already running the largest version of it.
The easiest implementation your team has ever done.
Nothing is ripped out. Your LOS stays, your AMCs stay, your panel comes with you, and orders in flight finish where they started. A dedicated team of enterprise-software and transaction specialists runs the integration, onboarding, launch and support, and stays with you after. We run live orders in parallel before a cutover date you pick, and we have taken a national lender from zero orders to full volume in three weeks once the integration was in place. Every lender is different; the pace is yours. If it is not right, you have lost nothing: the old system is still there until you say otherwise.
How switching works →Investors and partners
Dwelling Blocks is founder-led. If you are an investor, a strategic partner or a company that wants to build on the platform, write to partners@dwellingblocks.com.