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	Comments on: Freddie&#8217;s Study, NPR Story Recall Notable Academic Hoax	</title>
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		<title>
		By: Baggins		</title>
		<link>https://appraisersblogs.com/freddies-study-npr-story-recall-notable-academic-hoax/#comment-37280</link>

		<dc:creator><![CDATA[Baggins]]></dc:creator>
		<pubDate>Wed, 01 Mar 2023 00:40:37 +0000</pubDate>
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					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/freddies-study-npr-story-recall-notable-academic-hoax/#comment-37279&quot;&gt;Kenneth Smith&lt;/a&gt;.

Perhaps the concerted dismantling of the appraisal valuation profession at the behest of lenders, whom would rather not have independent checks and balances standing in the way of their aggressive loan efforts?  People are so old fashioned, thinking government institutions still actually serve the people.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/freddies-study-npr-story-recall-notable-academic-hoax/#comment-37279">Kenneth Smith</a>.</p>
<p>Perhaps the concerted dismantling of the appraisal valuation profession at the behest of lenders, whom would rather not have independent checks and balances standing in the way of their aggressive loan efforts?  People are so old fashioned, thinking government institutions still actually serve the people.</p>
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		<title>
		By: Kenneth Smith		</title>
		<link>https://appraisersblogs.com/freddies-study-npr-story-recall-notable-academic-hoax/#comment-37279</link>

		<dc:creator><![CDATA[Kenneth Smith]]></dc:creator>
		<pubDate>Wed, 01 Mar 2023 00:27:48 +0000</pubDate>
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					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/freddies-study-npr-story-recall-notable-academic-hoax/#comment-37271&quot;&gt;Jason&lt;/a&gt;.

Why didn&#039;t Fannie or Freddie come out and correct the record and let the controversy die down.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/freddies-study-npr-story-recall-notable-academic-hoax/#comment-37271">Jason</a>.</p>
<p>Why didn&#8217;t Fannie or Freddie come out and correct the record and let the controversy die down.</p>
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		<title>
		By: Seneca		</title>
		<link>https://appraisersblogs.com/freddies-study-npr-story-recall-notable-academic-hoax/#comment-37278</link>

		<dc:creator><![CDATA[Seneca]]></dc:creator>
		<pubDate>Tue, 28 Feb 2023 22:35:59 +0000</pubDate>
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					<description><![CDATA[Including the recent Appraiser Blog article &quot;https://appraisersblogs.com/under-valuations-unrelated-2-racial-bias&quot;
I think there is one glaring stat researchers are overlooking.  The rate a neighborhood increases.  In my market, Columbus, OH and central Ohio, Searching the year 2021 saw white neighborhoods increased mostly at 10-17%. The minority neighborhoods increased mostly at 16-25%. Both stats have some outliers since my MLS doesn&#039;t do census tracts. The rapid increase in the black neighborhoods is due to but not limited to the finding of affordable housing, investor flipping, gentrification and other factors. At these incredible rates of increase it is reasonable to conclude that the appraiser market data may have not kept up with these large increases in evaluating a the small recent month or two prior to the effective date. Also these neighborhoods had a higher SP/LP ratios of 3% to over 4%. Which is 1-2% higher than white neighborhoods. Just because you bid higher than everyone else doesn&#039;t mean the house is worth what you bid. Which may be one of the bigger factor in the spread. So if there is really a 5% difference in &quot;Low&quot; appraisals between the two neighborhoods these factors should be considered. I&#039;m sure you can reason that there are other takes &#038; possible conclusions from this but I haven&#039;t seen these factors discussed in any research. Probably way too over their heads for them.]]></description>
			<content:encoded><![CDATA[<p>Including the recent Appraiser Blog article &#8220;https://appraisersblogs.com/under-valuations-unrelated-2-racial-bias&#8221;<br />
I think there is one glaring stat researchers are overlooking.  The rate a neighborhood increases.  In my market, Columbus, OH and central Ohio, Searching the year 2021 saw white neighborhoods increased mostly at 10-17%. The minority neighborhoods increased mostly at 16-25%. Both stats have some outliers since my MLS doesn&#8217;t do census tracts. The rapid increase in the black neighborhoods is due to but not limited to the finding of affordable housing, investor flipping, gentrification and other factors. At these incredible rates of increase it is reasonable to conclude that the appraiser market data may have not kept up with these large increases in evaluating a the small recent month or two prior to the effective date. Also these neighborhoods had a higher SP/LP ratios of 3% to over 4%. Which is 1-2% higher than white neighborhoods. Just because you bid higher than everyone else doesn&#8217;t mean the house is worth what you bid. Which may be one of the bigger factor in the spread. So if there is really a 5% difference in &#8220;Low&#8221; appraisals between the two neighborhoods these factors should be considered. I&#8217;m sure you can reason that there are other takes &amp; possible conclusions from this but I haven&#8217;t seen these factors discussed in any research. Probably way too over their heads for them.</p>
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		<title>
		By: Baggins		</title>
		<link>https://appraisersblogs.com/freddies-study-npr-story-recall-notable-academic-hoax/#comment-37277</link>

		<dc:creator><![CDATA[Baggins]]></dc:creator>
		<pubDate>Tue, 28 Feb 2023 21:53:20 +0000</pubDate>
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					<description><![CDATA[https://www.mololamken.com/assets/htmldocuments/FAQs%20-%20Corporate%20Criminal%20Liability.pdf
https://www.justice.gov/jm/jm-9-28000-principles-federal-prosecution-business-organizations

We&#039;re not talking about a ham sandwich, but rather a vital safeguard to the entire American populaces interest in comprehensively fairly managed lending processes.  As well as the multitudes of professional working persons whom are harmed by these actions.  These companies have violated their own stated guidelines.]]></description>
			<content:encoded><![CDATA[<p><a target="_blank" href="https://www.mololamken.com/assets/htmldocuments/FAQs%20-%20Corporate%20Criminal%20Liability.pdf" rel="nofollow ugc">https://www.mololamken.com/assets/htmldocuments/FAQs%20-%20Corporate%20Criminal%20Liability.pdf</a><br />
<a target="_blank" href="https://www.justice.gov/jm/jm-9-28000-principles-federal-prosecution-business-organizations" rel="nofollow ugc">https://www.justice.gov/jm/jm-9-28000-principles-federal-prosecution-business-organizations</a></p>
<p>We&#8217;re not talking about a ham sandwich, but rather a vital safeguard to the entire American populaces interest in comprehensively fairly managed lending processes.  As well as the multitudes of professional working persons whom are harmed by these actions.  These companies have violated their own stated guidelines.</p>
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		<title>
		By: Mary		</title>
		<link>https://appraisersblogs.com/freddies-study-npr-story-recall-notable-academic-hoax/#comment-37276</link>

		<dc:creator><![CDATA[Mary]]></dc:creator>
		<pubDate>Tue, 28 Feb 2023 21:20:37 +0000</pubDate>
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					<description><![CDATA[Just what I have always thought. Minority buyers are overpaying period and those who stand to gain a commission are leaders of this pact to get them into homes at all costs. The very people they are trying to protect in this bias nightmare are the ones who will and have been hurt. But we are dealing with the racial narrative in this Country and it stands above all other logical and factual data. SAD!]]></description>
			<content:encoded><![CDATA[<p>Just what I have always thought. Minority buyers are overpaying period and those who stand to gain a commission are leaders of this pact to get them into homes at all costs. The very people they are trying to protect in this bias nightmare are the ones who will and have been hurt. But we are dealing with the racial narrative in this Country and it stands above all other logical and factual data. SAD!</p>
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		<title>
		By: jaydee		</title>
		<link>https://appraisersblogs.com/freddies-study-npr-story-recall-notable-academic-hoax/#comment-37275</link>

		<dc:creator><![CDATA[jaydee]]></dc:creator>
		<pubDate>Tue, 28 Feb 2023 21:03:17 +0000</pubDate>
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					<description><![CDATA[There is NO SUCH THING AS A LOW APPRAISAL!!!!!]]></description>
			<content:encoded><![CDATA[<p>There is NO SUCH THING AS A LOW APPRAISAL!!!!!</p>
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		<title>
		By: Shawn Prince		</title>
		<link>https://appraisersblogs.com/freddies-study-npr-story-recall-notable-academic-hoax/#comment-37274</link>

		<dc:creator><![CDATA[Shawn Prince]]></dc:creator>
		<pubDate>Tue, 28 Feb 2023 20:35:16 +0000</pubDate>
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					<description><![CDATA[Did Fannie or Freddie pay queen Latifah to put that show on couple days back. Where white appraisers caused inadequate home valuation to occur because they were racist? I would love to find out who wrote the script for that episode as it was mirrored on a proven inaccurate report.]]></description>
			<content:encoded><![CDATA[<p>Did Fannie or Freddie pay queen Latifah to put that show on couple days back. Where white appraisers caused inadequate home valuation to occur because they were racist? I would love to find out who wrote the script for that episode as it was mirrored on a proven inaccurate report.</p>
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		<title>
		By: Mark Davis		</title>
		<link>https://appraisersblogs.com/freddies-study-npr-story-recall-notable-academic-hoax/#comment-37272</link>

		<dc:creator><![CDATA[Mark Davis]]></dc:creator>
		<pubDate>Tue, 28 Feb 2023 19:57:42 +0000</pubDate>
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					<description><![CDATA[Excellent article Mr. Bagott. But the fix is in by the political/media enablers and promoters of race hoaxes. Stupid is as stupid does...]]></description>
			<content:encoded><![CDATA[<p>Excellent article Mr. Bagott. But the fix is in by the political/media enablers and promoters of race hoaxes. Stupid is as stupid does&#8230;</p>
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		<title>
		By: Jason		</title>
		<link>https://appraisersblogs.com/freddies-study-npr-story-recall-notable-academic-hoax/#comment-37271</link>

		<dc:creator><![CDATA[Jason]]></dc:creator>
		<pubDate>Tue, 28 Feb 2023 19:46:13 +0000</pubDate>
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					<description><![CDATA[It seems Freddie&#039;s intent was to raise the false flag and let the damages accrue!]]></description>
			<content:encoded><![CDATA[<p>It seems Freddie&#8217;s intent was to raise the false flag and let the damages accrue!</p>
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		<title>
		By: Maureen Sweeney on Twitter		</title>
		<link>https://appraisersblogs.com/freddies-study-npr-story-recall-notable-academic-hoax/#comment-37270</link>

		<dc:creator><![CDATA[Maureen Sweeney on Twitter]]></dc:creator>
		<pubDate>Tue, 28 Feb 2023 19:38:49 +0000</pubDate>
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					<description><![CDATA[@NPR, it&#039;s most disappointing you didn&#039;t check your sources for your story and are doing your best to violate the public trust.]]></description>
			<content:encoded><![CDATA[<p>@NPR, it&#8217;s most disappointing you didn&#8217;t check your sources for your story and are doing your best to violate the public trust.</p>
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