Help For Appraisers Worried About Collateral Underwriter

Monday, December 29, 2014

Multiple Regression Analysis and the Collateral Underwriter: MRA Is Not Your Only Option

Social media has been nuts the last couple of weeks with some appraisers seemingly clamoring for more information on multiple regression analysis (MRA). So what is the big deal? Fannie Mae has decided to implement a new analytics application, Collateral Underwriter (CU), available to assist lenders in making sure that appraisal quality is maintained by the lenders. You cannot scroll through some of the groups without seeing some new post asking for copies of regression spreadsheets or long threads debating the topic.

There have been many of us touting the benefits of using it for years. It can be a very useful tool. I very much believe it is a tool that every residential appraiser needs to know about and be able to utilize at some competent level. But there is always a catch to anything worth doing, and MRA is no exception. Learning regression is a process and is not something one should tread into lightly. MRA is another toolset that must be mastered and cannot be picked up quickly. Regression is such an important topic that the holy grail of appraisal tomes, The Appraisal of Real Estate 14th Edition devotes an appendix to it. It will not suddenly make your appraisals better.

Waiting until the last minute to even consider something as complex as MRA is surely going to sell some software and some books. Many companies out there will gladly take your money and hand you the keys to a 200-MPH Ferrari, when all you have done is driven a hybrid. That is the approach that some companies are taking, and they could care less if your use of such tools are done so with any level of compliance or common sense.

If you take anything away from this post, there is no easy solution to utilizing MRA. Folks that claim you can do a data export of comparable sales from an MLS and upload it and press a button and voila: instant defensible adjustments and values are selling you snake oil. Many, many hours of study, practice and practical experience are needed to use this type of analytics. Remember that you must be able to defend your methodology and explain them. If you cannot do so, you will find yourself in hot water quickly.

I do not think you have to be a statistical expert to use MRA, but you do need to know some fundamental things about how it works. If this is how you seek to support your adjustments, you need to understand that MRA will not always work in every situation. Like anything in valuation, you should identify your weaknesses in the approach. Read any valuation textbook that teaches the three approaches to value. You will find in each section devoted to the respective approach, a section that discusses the understood flaws in that approach. Each approach has different methods for analysis, some are better than others in certain situations and some are worse in others. Some methods are proven outdated over time, so one must stay abreast of things. Like any appraisal problem, we must discuss the strengths and weaknesses of whatever we do. Then reconcile why we are using one method over another or giving weight in one regard over another.

Other things will work just as well and in many cases are better than MRA. You, as the expert should be familiar with enough of them to figure out what works best to support your rationale for adjustments. There are options such as sensitivity analysis, qualitative ranking, and paired sales among others. There is no real need to purchase an expensive software program and try to use it right away. Like I have already stated, every appraiser should be familiar with the various methods out there, and hopefully this apparent crisis will prompt some appraisers to sharpen up there tools and to learn how to use new ones.

I do not think Fannie Mae is on a witch-hunt, but I do think they want appraisers to make supportable adjustments. I am still very much in the same perspective I was in when I wrote about the Appraisal Quality Lender letter Fannie Mae published in December of 2013. The CU is a comparison tool that will allow the lenders and Fannie Mae to isolate abuses for such things as using $25/square foot adjustments for every property that they appraise.

If you are brand new to the thought of trying to learn MRA, I am including some links to some places to start. In full disclosure, I am a designated member of the Appraisal Institute and a candidate member with the IAAO. I am not a paid endorsee of any products here. These are simply things that I have picked up over the years and thought enough of them to share.

Books

A Guide to Appraisal Valuation Modeling
By Mark R. Linne, MAI, CAE, M. Steven Kane, and George Dell, MAI, SRA

Practical Applications in Appraisal Valuation Modeling
By M. Steven Kane, Mark R. Linné, MAI, CRE, CAE, ASA, and Jeffrey A. Johnson, MAI

An Introduction to Statistics for Appraisers
By Marvin L. Wolverton, PhD, MAI

Fundamentals of Mass Appraisal
The International Association of Assessing Officers

Software/Training

David Braun, MAI, SRA AVT, Inc

I am going to share Automated Valuation Technologies, Inc’s Regression+ as a possible program to explore. Personally, I use it and I have found it to be the better system for me. I have used SPSS, Excel (trying to create my own and worksheets others have made to sell or give away) and a few other products that will remain nameless. Why is Regression+ my choice? It is because of the training that comes along with it. David Braun, MAI, SRA runs the company and designed the software he sells. I might be going out on a limb here, but I believe David is probably one of small group of experts in MRA that is working as a practicing appraiser currently.

He has lots of videos, a training series to work through, some free downloads for other things and what is best, he is available to talk. I have never had an issue getting him on the phone and asking questions.

www.avttools.com/products/regression

Appraisal Institute

The appraisal institute has several classes worth looking at. They have a new professional development program called Analytics for Valuation. It is comprised of three classes for those with some background in this type of analysis. For basics, they have a class in statistics called Real Estate Finance Statistics and Valuation Modeling. The Appraisal Institute also offers a class that focuses on using other means to support conclusions in addition to MRA with the class Residential Applications Part 2: Using Microsoft Excel to Analyze and Support Appraisal Assignments Results. Of course, some appraisers with limited exposure to Excel may want to take a class of two in it, Using Spreadsheet Programs in Real Estate Appraisals and a brush up on theory with Thinking Outside the Form: Tools, Techniques, and Opportunities for Residential Appraising.

McKissock

McKissock offers a new class worth looking at as well. One of which is Fundamental Concepts of Analysis.

IAAO

The International Association of Assessing Officers offers some good classes on mass appraisal and some on MRA. Mass appraisal is great way to get started from a theoretical point of view. It starts you off with basic statistical fundamen6tals like central tendency advancing through some serious course work. Assessors must have a working knowledge of mass technique and the IAAO are constantly updating this facet.

Course 300 - Fundamentals of Mass Appraisal

Course 311 - Residential Modeling Concepts

Course 312 - Commercial/Industrial Modeling Concepts

Course 331 - Mass Appraisal Practices and Procedures

These four classes are all in person education. www.iaao.org/wcm/Education/Courses/wmc/Education_Content/Courses. They do offer some online variations. http://www.iaao.org/wcm/Education/Online_Courses/wmc/Education_Content/Online_Courses

*****

These are all good places to start, but like anything, valuation is a journey, you are never quite to your destination. You have to keep working at it and improving your technique. I hope that you find some of this helpful and a good starting point. I am looking at some more programs currently and may follow up this piece with my thoughts on them.

Have any comments or would you like to submit content of your own? Email comments@appraisalbuzz.com.

Woody Fincham, SRA is the Senior Land Preservation Tax Credit Appraisal Consultant for the Department of Taxation in Virginia. He reviews and consults on the valuation work submitted for tax credits.  These reports deal with conservation easement and historic façade easements.  He also manages a private appraisal practice that specializes in residential valuation with a focus on non-lender reports, review and a small portfolio of lender work. Woody is very involved with the Appraisal Institute and was a discussion leader for the 2014 Leadership Development& Advisory Council (LDAC) after attending as a participant for three years prior to that. He has been a featured panelist at the Association of Appraiser Regulatory Officials (AARO). He has also been a non-member participant in the Collateral Risk Network (CRN) and has recently joined the ranks of national instructors for the Appraisal Institute. He lives in Charlottesville, VA with his wife and three children where he enjoys running, writing, playing music, and hiking.

Comments

The industry is moving further and further from reality. It has become more reliant upon conjecture and extrapolation than facts. How are you going to protect yourself in court with elaborate but meaningless spreadsheets, mathematical projection models and statistics when all the judge is interested in are facts and facts only? When you are micromanaged by corporate psychopaths and government bureaucrats, it's over!
As they say on the Shark Tank, "I'm out!"

I am highly suspicious about the hoopla surrounding CU and the hordes of educators claiming multiple regression analysis will save the day. If my adjustments are too complicated to explain to my Grandma, they are too complicated to explain to a jury if I ever get called to do so. Right now, it feels like CU is the valuation version of the Emperor's New Clothes...a big black box that no one wants to admit they don't understand.

Thanks for the reply Deb. You are right, and that is why i wrote this piece. Too many want to take on a new tool set that may or may not help them. I use MRA in my practice, but have spent years working with it. I am still learning about it. This is a good thing to learn, but it requires time, patience and caution. I am hoping that references will encourage some to seek out proper training and resources before they attempt to do something that they cannot explain. Your premise is succinct, know something well enough that you can easily explain it.
Woody Fincham, SRA

I have used MRA and typically it supports my adjustments that I just pulled out of a hat. Over thinking adjustments tends to bring you farther away from reality. Buyers do not over think adjustments, and typically just give a thumbs up or down to the whole package, and do not separate different features into values.

A buyer does not have a choice. When they make an offer, they cannot offer $2,000 less if the seller removes the fireplace. They cannot have 100sf removed so they can lower the price by $40 per sf. For some reason, appraisers have been forced to provide adjustments, instead of being like a typical buyer and look at the listings and sales prices of similar homes and determining the typical sales price for a similar home. We can determine a range of sales prices, and then say the the subject value is at the high or low end of the range due to X factors (Remodeling, GLA, Bedrooms, etc)

The real problem with CU is that it does NOT depend on MRA of actual sales. It depends on some other formula (Most likely averaging) of the adjustments of other appraisers that are NOT using MRA.

Thanks for the reply, Garth. MRA is just one of many options to look at. In regards to your first sentence, if you can explain it with MRA you are defensible, if you just pull it out of a hat you are not. No matter the methods used, you should be able to explain a systematic way of making the adjustment. If it is paired sales or depreciated cost, one should be able to recreate the reasoning used to support the adjustment.

The psychology of the buyer and seller is what we try to synthesize, and sometimes quantitative methods are not as reasonable as qualitative methodology. It is difficult to say with any degree of certainty how CU will work beyond conjecture and wild speculation outside of what FNMA has presently disseminated. Having recently seen some pretty high level property analytic tools recently, I will remain optimistic until it proves otherwise. All any of us can do is write defensible reports. The key word in that last sentence is write. Too many fill out forms.
Woody Fincham, SRA

I'm a commercial appraiser with some limited experience with regression modeling. I don't know how Collateral Underwriter creates its standards, whether it's via regression or averaging, as someone else alleged. But regression is hard stuff. The first question is, who at FNMA will create the dataset? Will it be all sales within a mile, or all sales in the metro region, sales in the last 6 months, sales in the last 10 years? These choices will have profound effects on the results. Second, how will the working appraiser, who can barely make a living now with a three-sale grid, find the time and expertise to tackle MRA? You can be taught to work it, but to really understand it, you need linear algebra, which is typically taught after a year of calculus. Third, when there's a conflict between the appraiser and the CU results, how will that be handled? Will some clerk who doesn't know the difference between r^2 and an F-statistic be empowered to torture appraisers over results that might not even have statistical significance, not that he or she knows what statistical significance means anyway?

Vince:
You ask some great questions. From what I have seen in the recorded webinar that Fannie put out, it seems the analytics will use some programming to ascertain what is typically seen in a given area. Since they have been collecting UAD data since 2011, one would assume the appraiser collected data is reasonably well scrubbed. Since they have complete market capture in presumably all regions, the analytics should be able to reason whether it is typical for an appraiser to travel 10 miles for cops in a given locality or make high quality adjustments, etc. In situations where there are high risk scores attached I would presume that Fannie will be able to isolate questionable ratios or methodology and then flag it. If the appraiser was diligent and addressed these issues as part of the report development and writing, that will probably be the end of it. If they have not, I am sure it will need to be addressed. Of course this is simple conjecture on my part as I am in the dark just like you. Hopefully we will see more information come forward.

Either way, I think this will require appraisers to write better reports and to stop simply filling out a form. Thanks again for the input.
Woody Fincham, SRA

It appears that there are two issues here. 1) CU will compare adjustments of one appraiser to others and ID the adjustment outliers. Note that due to the low occurrence of same-property appraisals within 1-2 years in rural/suburban areas, CU will probably compare appraisal of different properties to one another and require appraisers to explain. 2) Support for adjustments; paired-sale and MRA are most often mentioned but neither of these are appropriate to rural/suburban areas which have relatively few sales in a year and large variation in comp GLA and site sizes, ages (and effective ages). It is VERY difficult to show/calculate adjustments. So... from what I'm reading, appraisers in these rural/suburban areas are in for a VERY difficult time, with a lot more work to attempt to justify adjustments for the same (or lower) fees and the result will probably not improve the accuracy of the valuation process. I predict that many differing value features between comps and subject will not be adjusted because it will be difficult/impossible to show calculation method.

I personally know insiders that are working with CU. The reviewers that are not appraisers love it. The programmers love it. The head honchos of FNMA love it. The actual appraiser reviewers see it as a big boondoggle. The results are very misleading and inaccurate. The CU gives consistently low marks (Fails) on rural and difficult properties. When a report fails, a reviewer is hopefully assigned to it and hopefully the reviewer is an actual appraiser. No one actually knows how many of the failed CU reports are reviewed, but the guess is that it is about 50%, and of that about 50% are actual appraisers. They just laid off about 50 reviewers in the Dallas office, because they think CU is more dependable than actual reviewers.

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Lots of good questions but I think the biggest problem is who will decide if the subject property is one for which CU will work. I've had experience with multiple regression analysis to estimate home prices and one important requirement was that the population from which the closed sales were chosen in fact considered only comparable properties. Local knowledge is needed as well as expertise. Homes 3 blocks away, on the other side of the freeway may be from a different neighborhood.

I've had too many questions from underwriters or reviewers using something like Zillow with regard to why I didn't use the sale at 1234 Home Street. It looks to me like the question of when the subject is appropriate for the use of CU is a minefield.

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After our mishap at guess factory Mannheim, my abercrombie uncle mulberry and I made for the Duchy of X——. The reader may find out the place easily enough; but I do not choose to print at cheap jerseys full the names of some illustrious persons jordan shoes in birkin bag,hermes belt,hermes handbags,hermes birkin,hermes bags,birkin bags whose society air jordan I then polo ralph lauren fell, and among ray ban sunglasses whom I was made the sharer in a very strange and tragical adventure.

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