From the loan file to the GSE,
without anyone chasing it.
Dwelling Blocks is the appraisal workflow running as one system. The order is placed from the loan. The right appraiser or AMC has it in minutes. The borrower is charged, the inspection is tracked, the report is read the moment it lands, the vendor is paid and the file is delivered to UCDP, with the response back on the loan. Eight capabilities, one record, and most steps happen without a person touching them. Run all of it, or start with the piece that hurts.
The order starts where the loan lives.
An order is created from the loan file, over the LOS integration or the API, with the product, the due date and the routing rule attached. Borrower payment is collected at the same moment. Exceptions the system can resolve, it resolves: a missing contact, a rush that needs a fee bump, a property type that changes the product. The ones that need a person are routed to the right one with the context attached, and the record shows which was which.
- Sources
- LOS integration, API, broker portal, manual entry
- Products
- The redesigned URAR and every legacy form still in circulation, inspections, desktop and hybrid products, completion and update reports
- Exceptions
- Found and handled by the system; escalated with context when a person is needed
Borrower phone missing from the LOS record. Pulled from the 1003 contact block. Order continued.
The largest direct-to-appraiser network in the country, and your AMCs beside it.
We power the largest direct-to-appraiser appraisal operation in the United States, on the largest network in the country: more than 15,000 credentialed appraisers, AMCs and inspectors, with your own panel alongside them. Going direct here is as simple as routing to an AMC. The system finds the vendor, verifies the license and E&O, confirms acceptance and follows up, and a lapsed certificate takes a vendor out of rotation the day it lapses. Assignment is by rule, in minutes, to your direct panel, your AMCs, or a mix by product, state or channel.
- Appraisers
- License and E&O verified and monitored, coverage by county, fee and turn history
- AMCs
- Your AMCs receive orders in their queue and run their own operation on the platform; their work is theirs
- Inspectors
- Property data collectors credentialed and scheduled the same way, for hybrid and desktop products
Ranked by coverage, license, E&O, turn time and revision rate for TX · URAR. One vendor excluded: E&O lapsed Sep 30.
The best review, and the easiest one.
Many platforms offer a review. Ava is built to be the best and the easiest: nothing to install, nothing to map, rules written the way you would say them. It reads the form, the addenda and the photos against your rules, scoped by product, state or channel. Each rule comes back pass, fail or inconclusive with the reasoning attached, and a blocking item holds the report until it is fixed or explained. Most reports pass without anyone opening them. The ones that do not arrive at the underwriter with the problem already found. You do not need our ordering or payments to use it: one API call orders a review on any report from any source. Ava has a per-report price on its own; talk to us about how lenders get it at no cost.
About Ava →The borrower pays. The vendor is paid. The lender pays nothing.
Borrower payment is collected through the platform when the order is placed. When the report is released, the appraiser, AMC or inspector is paid automatically through Stripe. There is no invoice to the lender, no monthly reconciliation of appraiser payables, and a receipt on every transfer. Hundreds of millions of dollars have moved through it.
- Collection
- Card or ACH at order, with the borrower's receipt and the disclosure trail
- Payout
- Automatic to the vendor on release, through Stripe, with a receipt on every transfer
- Reconciliation
- Every transfer on the order record and in the ledger export; nothing to match by hand
Property data collected, then checked photo by photo.
Property data collection is tracked from scheduling to submission, for hybrid and desktop products and for the inspection behind a full appraisal. Ava reads every photo: which room it shows, what is in it, whether the set is complete, and whether what is pictured matches what the report says. A missing kitchen photo or a sketch that does not match the walls is caught before the file moves.
- Collection
- Scheduling, borrower contact, on-site capture and submission tracked on the order
- Photo analysis
- Room classification, completeness, condition indicators and cross-checks against the report
- Validation
- Data validated before it reaches the appraiser or the underwriter, with what was checked on the record
To UCDP and EAD directly, with the answer back on the loan.
Dwelling Blocks is approved for UCDP Direct Integration and has delivered UAD 3.6 since 2025, to the GSEs through UCDP and to FHA through EAD. The file is validated before it leaves, submitted the moment review releases it, and the response, the doc file ID and any messages are written back to the loan without a person copying anything. Revisions resubmit against the original document.
- UCDP
- Direct Integration approved; Fannie Mae and Freddie Mac responses on the record
- EAD
- FHA submissions in UAD 3.6, with the same write-back
- UAD 3.6
- Delivered since 2025; 3.6 and 2.6 run side by side through the transition
Your numbers, against more than 1,000 transactions a day.
Turn times, vendor performance, exception and revision rates, first-pass UCDP acceptance, by product, state, channel and vendor. Every metric is benchmarked against the national volume running through the platform, so you know whether a seven-day turn in rural Texas is a vendor problem or a market. Exportable, and available over the API.
Everything above, over REST and webhooks.
Every capability on this page is available to your engineers, and each one stands alone: one call to order an appraisal or an inspection, one call to order an Ava review of a report you already have. Create orders from the LOS, take assignment, inspection, review and payment events as they happen, and get the UCDP submission ID back on the loan. Public docs, OAuth webhooks, and no per-call pricing.
Read the docs →| webhook | orderCreated | loan 4400123 |
| webhook | paymentCompleted | collected |
| webhook | appraiserSet | ven_21c4 |
| webhook | inspectionComplete | 2026-10-07T15:20:00Z |
| webhook | uploadReport | rpt_2d81 · 3.6 |
| webhook | QcReviewItemCompleted | pass · 38 rules |
| webhook | paymentSent | ven_21c4 · settled |
| webhook | ReportSubmissionCompleted | UCDP · 2000004418723 |
Automation you can put in front of an examiner.
Most of what happens on an order on Dwelling Blocks happens without a person: the assignment, the exception that resolves itself, the payment, the review, the submission. Your model-risk and compliance teams will ask how that is safe. The answer is in how the system is built.
Everything it does, it does inside a rule you turned on. Rules start in draft and nothing fires until you make one active. Every action, human or system, is on the order record with a timestamp and a reason, and can be replayed later. The system never forms an opinion of value; that belongs to the appraiser. It never clears a failed check on its own; a person does, and the record shows who. When it cannot read something, it stops and says so rather than guessing. And a person can override any decision it makes, with the override becoming part of the record.
That is what lets a lender run a national pipeline with a lean operations desk, and still hand an examiner the file for any loan.
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 →Start with the piece that hurts. Or all of it.
Thirty minutes, your workflow on the screen, and a straight answer about which capability we would turn on first.