The same platform, configured for how you lend.
One system from order to UCDP, whether you are a wholesale lender running a national panel, a credit union with two AMCs, or a builder closing a phased community. What changes is the routing, the rules and the integrations. What does not change is that the workflow runs itself, every handoff is logged, and every decision can be audited.
We are software. We are not an AMC.
Most lenders want to keep the AMCs that work for them. Those AMCs are understandably reluctant to run their orders, their panels and their quality work through software owned by a competing AMC, and a platform that manages appraisals itself has to ask them to do exactly that.
Dwelling Blocks does not manage appraisals and does not run a panel of its own. AMCs are customers and partners here, with their own operation on the platform and their work visible only to them and the lender. The lender pays nothing for the platform, whichever way the order is routed. The routing decision is yours, by product, state or channel, and the software has no stake in it.
Broker volume from fifty states, one pipeline.
Wholesale volume arrives from thousands of brokers, in every state, with turn-time expectations set by whoever else the broker could have sent the loan to. Dwelling Blocks routes each order to your direct panel, your AMCs or a mix by state and product, tracks every vendor's license and insurance, and reads every report the moment it lands. Lenders run national wholesale volume on it today.
How routing works →- Routing
- Direct panel where you have coverage, AMCs where you do not, and the mix changes without a re-platform.
- Broker visibility
- Order status, ETA and delivery visible in the broker portal, without a call to your desk.
- Scale
- More than 1,000 transactions a day already run through the platform. Volume is not a question.
Orders from the loan file, results back on the loan.
Retail and independent mortgage banks live in the LOS. Orders are created from the loan, assignment and inspection events land back on it, and the UCDP submission ID is written to the file without a processor re-keying anything. Grow a direct panel in the markets where you have volume and keep your AMCs everywhere else.
Integrations →- LOS integration
- Order, status, documents and the UCDP response in the LOS.
- Borrower payment
- Collected through the platform at order, with a receipt on every transfer.
- Branch reporting
- Turn times and revision rates by branch, loan officer and vendor, benchmarked nationally.
Independence your examiner can read.
Appraiser independence, vendor management and audit trail are the questions a bank's collateral program is measured on. Dwelling Blocks separates ordering from production, tracks every vendor's credentials, and records who did what and when on every order, so the AIR file for any loan is the order record itself.
Trust center →- AIR compliance
- Production staff cannot select or influence the appraiser. The record shows it.
- ROV workflow
- Reconsideration of value handled in the platform, with the request, the response and the timeline on the file.
- Vendor management
- License, E&O and performance monitored continuously. A third-party risk packet for your vendor management team. SSO and SAML.
New construction, from plans and specs to completion.
A builder-affiliated lender orders on a lot that does not exist yet and closes when the house does. Dwelling Blocks handles the plans-and-specifications appraisal, tracks construction progress, and orders the completion report against the original assignment, with the same appraiser where you want one and the same rules on every report in the community.
Talk to us about a community →- Plans and specs
- Appraisal from plans, with the specification package attached to the order.
- Completion reporting
- Completion reports ordered and delivered on the redesigned URAR after the 1004D retires.
- Phased communities
- Bulk ordering by phase, comparable data shared across lots, and a panel that knows the community.
AMCs are customers here, not competitors.
We do not manage appraisals, so an AMC on Dwelling Blocks is running its own operation on infrastructure, not feeding orders to a rival. Receive lender orders through the platform, manage your panel on it, put Ava on your QC, and deliver to UCDP with the response back to the lender automatically. Your work is yours: no competing AMC sees it.
Ava on its own →- Lender orders
- Orders from lenders on the platform arrive in your queue with the rules and the due date attached.
- Your panel
- Credentials, coverage and performance tracked on every appraiser you use.
- Review
- Ava reads every report before it leaves your shop, with your rules and the lender's.
Lender volume, direct, on terms you set.
More than 15,000 credentialed appraisers and inspectors take assignments on the network, and the network is growing. Orders come from lenders directly, with the fee and the due date up front. Ava checks the report before you submit, so the revision request that used to cost a week never gets sent, and payment goes through Stripe on every assignment.
Join the network →- Direct volume
- Assignments from lenders, not from a middle layer. You see who the client is.
- QC before submit
- Ava's findings in your portal before the report goes anywhere.
- Paid through Stripe
- The lender pays nothing for the platform, whichever way the order is routed.
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 →See what changes in thirty minutes.
Your workflow on the screen and a straight answer about what we would automate first.