Meridian CVM

The Calculated Value Model Appraisers Actually Trust.

Built on appraiser-derived methodology, not algorithmic guesswork. Replace black-box AVMs with transparent, defensible math you can demo at the kitchen table. Free with AppraisalIntelligence.com registration.

Math you can show. Logic you can defend.

Most AVMs are black boxes. You enter an address. A number comes back. Nobody — including the people selling them — can explain how the model arrived at it. That’s why sellers don’t trust them, borrowers misuse them, and appraisers ignore them.

Meridian CVM is different. It’s a Calculated Value Model built on the same methodology a residential appraiser would use — selecting comps, applying adjustments, walking through the logic step by step. You can demo it live in front of a seller, watch the value move as comps come in and out, and walk away with a number you can defend.

What's included

Appraiser-derived methodology, not algorithmic guesswork
Replace AVMs with a model appraisers actually trust
Defensible pricing data for every listing appointment
Transparent math — show your work to the seller, the borrower, the underwriter
Test and Support feature for supporting comps only
Free and unlimited during and after beta

Built for the conversation that decides the deal.

Meridian CVM is the tool you open when the seller says “Zillow says my house is worth $750.” It’s the tool you open when the borrower wants to refi based on an AVM number that doesn’t reflect reality. It’s the tool you open when an appraisal comes in below contract and you need to build a credible argument for reconsideration.

Agents use it for live demos. Loan officers use it for borrower expectation-setting. Both use it because — unlike the AVM — the math is visible.

How It Works

Step 1

Register free at AppraisalIntelligence.com

Separate registration from HeyValueTest.com. Under 2 minutes.

Step 2

Enter the property

Meridian pulls candidate comps and runs them through appraiser-derived adjustment logic.

Step 3

Demo the model live

Add a comp. Remove a comp. Watch the indicated value move. Walk through the math with the seller, borrower, or underwriter.

Frequently Asked Questions

How is Meridian CVM different from a normal AVM?

AVMs use statistical averaging across large datasets and don’t show their work. Meridian uses appraiser-derived methodology — comp selection, distance, GLA, age, date of sale, and adjustment logic — and walks through every step. The math is visible, which means it’s defensible.

Why do I need a separate registration for this?

Meridian CVM lives on a separate platform — AppraisalIntelligence.com — built specifically for the Calculated Value Model. The Standard Plan is free on both platforms; the registrations are independent.

Can I demo this in front of a client?

Yes. Live demos are one of Meridian’s core use cases. Open it at the kitchen table, walk the seller through the comp selection, and let them watch the value move as comps come in and out.

Is Meridian an appraisal?

No. Meridian is a Calculated Value Model — a research and decision-support tool grounded in appraiser methodology. It is not an appraisal and does not replace one. All methodology is grounded in USPAP standards.

What's the difference between a CVM and an AVM?

An AVM (Automated Valuation Model) uses statistical averaging and doesn’t show its work. A CVM (Calculated Value Model) is built on transparent methodology — in Meridian’s case, appraiser-derived comp selection and adjustment logic. The math is visible, which is what makes it defensible.

How long does it take to run a Meridian value?

Seconds. Once you enter the property, Meridian pulls candidate comps and calculates an indicated value almost instantly. Refining comps in or out adjusts the value in real time.

Can I share the Meridian value with the seller or borrower?

Yes. One of Meridian’s strongest uses is live demonstration in front of a seller or borrower. The transparent math makes it a credible part of the conversation.

What does "appraiser-derived methodology" actually mean?

It means the model selects comps and applies adjustments using the same factors a residential appraiser would — distance, GLA, age, date of sale, condition adjustments — instead of statistical averaging across large datasets. It’s the difference between a model an appraiser would recognize and one they would dismiss.