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Appraisal Management Company (AMC)


An Appraisal Management Company (AMC) is a business service that manages a network of independent real estate appraisers, and facilitates the process of ordering, tracking, and delivering real estate appraisals. They act as the intermediary between appraisers and businesses, such as lending institutions, that demand real estate appraisals. AMC ensures compliance with both industry standards and government regulations.


The phonetic pronunciation of “Appraisal Management Company (AMC)” is:Appraisal: /əˈpreɪ.zəl/Management: /ˈmæn.ɪdʒ.mənt/Company: /ˈkʌm.pə.ni/AMC: /ˈeɪ

Key Takeaways

<ol><li>Appraisal Management Companies (AMCs) play a crucial role in the real estate industry. They act as an independent entity between lenders and appraisers, ensuring that the appraisal process is conducted fairly and objectively, without any potential influence from the lender. This is important for maintaining the integrity of the lending process.</li><li>AMCs provide a wide range of services, including ordering and reviewing appraisals, selecting and managing appraisers, and even ensuring compliance with both state and federal regulations. This comprehensive service can greatly simplify the appraisal process for both lenders and borrowers, making transactions smoother and more efficient.</li><li>Despite their many benefits, AMCs are not without controversy. Some critics argue that they contribute to lower quality appraisals by prioritizing cost and speed over thoroughness and accuracy. Others suggest that they negatively impact the appraiser’s income, which may discourage experienced professionals from staying in the industry.</li></ol>


Appraisal Management Companies (AMC) play a critical role in the real estate industry, serving as an intermediary between appraisers and lenders. They are essential for maintaining the integrity and compliance of the appraisal process. By independently hiring, managing, and overseeing the work of appraisers, AMCs ensure fair practices, accurate valuations, and unbiased reports. They are especially critical in mortgage lending, where an accurate appraisal ensures the loan amount is appropriate for the home’s value and helps mitigate the lender’s risk. Consequently, AMCs contribute significantly to the stability and health of the real estate market.


An Appraisal Management Company (AMC) performs an essential role in the realm of real estate transactions, providing an objective assessment of a property’s worth. It acts as a buffer between the mortgage lenders and the appraisers, ensuring an unbiased valuation, which is crucial for mortgage loan purposes. The purpose of an AMC is to organize and manage a network of certified and licensed appraisers to fulfill real estate appraisals on behalf of financial institutions and mortgage lenders. This is especially important for lenders who are executing multiple loans across different locations and need uniform and compliant appraisals.AMCs are critical in ensuring that appraisals are compliant with the federal and state laws. Ever since the implementation of the Home Valuation Code of Conduct (HVCC) in 2009, which stemmed from the need for fairness and independence in property appraisals after the 2008 housing crisis, the use of AMCs has been legally mandated. AMCs take the responsibility of choosing competent appraisers for assignments, managing the appraisal process, and delivering completed reports to clients in a timely and efficient manner. This allows for a fair determination of a property’s market value, safeguarding both lenders and borrowers in real estate transactions.


1. CoreLogic: CoreLogic is a globally renowned AMC based in the United States. It offers a range of services related to property and financial analytics, including comprehensive appraisal management. They handle the entire appraisal process, from appointing appraisers to overseeing the quality and timeliness of their work.2. Clear Capital: Clear Capital is another prominent US-based AMC. It specializes in providing data analytics, asset valuation, and other related services to financial & real estate enterprises. They offer a unique blend of innovative technology, high-quality service and compliance safeguards to efficiently manage all aspects of the property appraisal process.3. Solidifi: Solidifi is a leading AMC in North America. It provides residential real estate appraisal services to mortgage lenders and servicers, utilizing an extensive network of certified appraisers. The company uses a technologically advanced platform to deliver reliable and consistent appraisal management solutions.

Frequently Asked Questions(FAQ)

What is an Appraisal Management Company (AMC)?

An Appraisal Management Company (AMC) is a third-party enterprise that hires and manages real estate appraisers to perform appraisals. AMCs bridge the gap between appraisers and lenders, ensuring that the appraisal process is unbiased and compliant with regulation.

What role does an AMC play in the real estate market?

AMCs play a crucial role in the real estate market by providing an impartial evaluation of a property’s value. They act as intermediaries between lenders and appraisers, managing the appraisal process and ensuring regulatory compliance.

Who hires an AMC?

Generally, banks and mortgage lenders hire AMCs. Following the 2008 financial crisis and the passing of the Dodd-Frank Act, these financial institutions are required to maintain objectivity in property appraisals. They do this by employing AMCs to manage the appraisal process.

Is it necessary to hire an AMC for a loan process?

Yes, it is usually necessary to hire an AMC during a loan process if the loan is to be sold to a government sponsored entity such as Fannie Mae or Freddie Mac. The AMC ensures an unbiased property appraisal, a requirement for these types of transactions.

How are the appraisers for an AMC selected?

AMCs select appraisers based on various factors such as location, turnaround time, and the appraiser’s expertise and qualifications. This ensures that the appraisal task is given to the most suitable appraiser.

Does hiring an AMC increase the cost of the appraisal?

Yes, in most cases, hiring an AMC will add an additional cost to the appraisal process. This cost is often passed on to the borrower as part of the loan closing costs.

What regulations govern AMCs?

AMCs in the United States operate under both federal and state-level regulations, including the Dodd-Frank Wall Street Reform and Consumer Protection Act and Appraisal Subcommittee (ASC) rules. These regulations aim to maintain appraiser independence and protect consumer rights.

What is the relationship between an AMC and a lender?

The AMC serves as an intermediary between the lender and the appraiser. This relationship ensures an unbiased property valuation process, as per the regulations. AMCs are responsible for maintaining appraiser independence and delivering accurate, compliant appraisals to lenders.

Related Finance Terms

  • Real Estate Appraisal
  • Property Valuation
  • Compliance Regulations
  • Mortgage Lending
  • Risk Management

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