In appraisal processes, who performs a field review?

• A. A different appraiser
• B. The borrower
• C. The lender's underwriter
• D. The seller

Answer: (A)

A field review is an independent quality-check step in the appraisal process, done by a different appraiser who acts as the field reviewer. This person reassesses the original appraisal’s methods, data, and conclusions—sometimes by re-inspecting the property and certainly by evaluating the selected comparable sales, the valuation approaches used, and the overall credibility of the report. The goal is to provide an objective second opinion to ensure accuracy and compliance with USPAP and the lender’s requirements before the loan proceeds. It isn’t performed by the borrower, the lender’s underwriter, or the seller, since they each have other roles in the loan and transaction.