Certified Appraisals for Community Banks and Credit Unions

Appraisal Services for Credit Unions and Small Town Banks

Small-town banks and credit unions play a critical role in local home lending. At M. Warren Appraisal Service, we support community lenders with certified residential appraisals that are timely, accurate, and fully compliant. Whether you're issuing a new mortgage or refinancing an existing loan, we help you lend with confidence.



Melissa Ballard brings decades of experience and a commitment to personal service — ideal for the community-focused approach of local lenders.

Trusted Property Valuations for Local Lending

A person is sitting at a desk in front of a computer.

Tailored Appraisals for Local Lending Needs

We provide valuation reports for:

  • New purchase loans
  • Home equity loans and lines of credit (HELOCs)
  • Refinancing evaluations
  • Risk assessments and portfolio reviews
  • Real estate-secured lending

Our detailed, USPAP-compliant reports are designed to align with underwriting requirements and satisfy internal compliance teams.

Why Community Lenders Choose M. Warren Appraisal Service

  • Certified residential appraiser with over 50 years of company experience
  • Familiarity with Missouri’s rural and suburban property markets
  • Fast turnaround to support timely decision-making
  • Personalized service and direct communication
  • Flexible scheduling and clear, defensible reports

We understand the lending environment for credit unions and community banks and tailor our services accordingly.

Serving Cass County, and Bates County

What to Expect from Our Process

1

Initial Order & Communication

We confirm scope, borrower contact, and deadlines.

2

Property Inspection

On-site visit conducted by Melissa Ballard.

3

Valuation Analysis

Local comparables and market data reviewed for accurate reporting.

4

Report Delivery

USPAP-compliant report delivered within 2–5 business days.

FAQs for Credit Unions and Banks

  • Are your reports accepted by financial regulators?

    Yes. Our reports are USPAP-compliant and meet the documentation needs of banks and credit unions.

  • Can you handle small-town or rural appraisals?

    Absolutely. We regularly appraise properties in smaller communities and understand local market conditions.

  • What’s the typical turnaround time?

    Most reports are delivered within 2–5 business days after inspection.

  • Can we build an ongoing partnership?

    Yes. We welcome long-term relationships with community lenders and offer dependable service for recurring appraisal needs.

Contact Us for Bank-Approved Appraisals

Support your lending decisions with accurate, timely appraisals from a trusted local expert. Contact M. Warren Appraisal Service today to schedule your next residential property valuation.