The moment a mortgage application is approved, the valuation is ordered from the right panel appraiser, tracked against SLA, chased automatically when overdue, and filed into the loan file the minute it lands — no coordinator spreadsheet, no forgotten orders.
Typical results
93%
Reports within SLA
0
Forgotten orders
9 hrs/wk
Chasing time recovered
Figures reflect typical results for this kind of automation.
The challenge
Valuations were the black hole of the lending pipeline. A coordinator ordered them by email, tracked them in a spreadsheet, and chased appraisers only when an underwriter complained. Some orders sat forgotten for days, turnaround averaged eleven days, and borrowers rate-locked elsewhere while their file waited on a PDF.
Before and after
Valuation turnaround
−36%Reports within SLA
+52%Manual chases per week
−88%The automation
We built an orchestrator that fires the moment underwriting approves an application. It selects the right panel appraiser by region, property type and current workload, sends the order with all documents attached, and starts the SLA clock. Appraisers approaching their deadline get automatic reminders, overdue ones are chased and escalated to the panel manager, and when the report lands it is parsed, filed into the loan file, and announced to the underwriter.
How it works
- 01
Approval triggers the order
An approved application automatically orders the valuation from the right panel appraiser by region, property type and workload.
- 02
SLA clock starts
Every order is logged with its agreed turnaround and tracked from minute one.
- 03
Overdue gets chased
Appraisers approaching or past deadline get automatic reminders; persistent delays escalate to the panel manager.
- 04
Report filed instantly
The moment a report arrives it is parsed, filed into the loan file, and the underwriter is notified.
- 05
Panel gets scored
Turnaround and quality stats accumulate per appraiser and inform where the next order goes.
Starts from
- Approved applications
- Panel appraiser roster
Delivers
- Order to right appraiser
- Automatic SLA chasers
- Report filed to loan
The impact
Valuation reports typically come back in seven days instead of eleven, and about 93% arrive within SLA, up from 61%. No order gets forgotten, the coordinator recovers nine hours a week of chasing, and loan approvals land four days earlier end to end.
Questions about this automation
How does it choose which appraiser gets the order?
When underwriting approves an application, the orchestrator picks a panel appraiser by region, property type and current workload, then sends the order with the required documents attached. Turnaround and quality stats collected per appraiser also inform the choice, so consistently slow appraisers receive fewer new orders.
How are overdue valuations chased?
Every order is logged with its agreed turnaround, and the SLA clock starts when the order is sent. Appraisers approaching the deadline get an automatic reminder, overdue ones are chased again, and orders that stay late escalate to the panel manager. No order depends on someone remembering to follow up.
What happens when the valuation report arrives?
The report is parsed, filed into the correct loan file and the underwriter is notified straight away. The appraiser's turnaround for that order is recorded for panel scoring. This is a multi-step build with scheduled SLA tracking and escalations, usually rolled out in stages.