specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Reggora
providerId: reggora
created: '2026-07-04'
modified: '2026-07-04'
reconciled: false
tags:
- Appraisal Management
- Mortgage
- Lending
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Reggora spend. Reggora is a contracted SaaS platform for
  mortgage lenders rather than a usage-metered public API, so the primary cost is
  a negotiated platform subscription plus the pass-through appraisal fees paid to
  vendors on each order (collected via Reggora appraisal payments). Reggora
  positions itself as a cost reducer, citing roughly $258 saved per loan from
  automating appraisal order management and quality control. The Lender API and
  Vendor API are included platform capabilities and are not separately invoiced
  per call. Appraisal vendors use the platform at no charge to them.
notes: >-
  No public per-unit API pricing is published; the subscription is negotiated
  with sales. The meaningful cost meters for a lender are the platform
  subscription and per-order appraisal fees, offset against automation savings.
  Reconcile actual contract terms with Reggora.
sources:
- https://www.reggora.com/lenders
- https://www.reggora.com/press/mortgage-lenders-reduce-their-cost-per-loan-by-258-with-reggora-appraisal-automation
- https://api.reggora.io/docs/
- https://focus.finops.org/focus-specification/v1-3/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Reggora
serviceCategory: Financial Services Software
billingModel:
  pricingCategory: Subscription
  billingFrequency: Annual
  billingCurrency: USD
  chargeCategories:
  - Purchase
  - Usage
  - Adjustment
focusColumns:
  ServiceName: Reggora Appraisal Management Platform
  ServiceCategory: Financial Services Software
  ProviderName: Reggora
  PublisherName: Reggora
  InvoiceIssuerName: Reggora
  BillingCurrency: USD
  ChargeCategory: Purchase
  PricingCategory: Subscription
meters:
- name: platform_subscription
  description: Negotiated platform subscription for the lender organization (includes Lender API access).
  unit: contract
  aggregation: sum
  dimensions:
  - account
- name: appraisal_orders
  description: Appraisal orders placed through the platform; each carries a vendor appraisal fee collected via Reggora payments.
  unit: orders
  aggregation: sum
  dimensions:
  - account
  - branch
  - product
- name: appraisal_fees
  description: Pass-through appraisal fees paid to vendors per order via Reggora appraisal payments.
  unit: USD
  aggregation: sum
  dimensions:
  - account
  - vendor
- name: automation_savings
  description: Reggora-cited cost avoided per loan from automating order management and QC (~$258/loan).
  unit: USD
  aggregation: sum
  dimensions:
  - account
principles:
- name: Visibility
  description: Track appraisal orders, per-order vendor fees, and turn times per branch and product against the platform subscription.
- name: Allocation
  description: Map orders to branches, loan officers, and appraisal products so appraisal cost allocates to the originating team.
- name: Optimization
  description: Use automation, vendor selection, and quality-control workflows to cut per-file order-management and QC labor (the cited $44/file and $81/file).
- name: Accountability
  description: Assign owners per branch; review monthly appraisal spend and turn-time savings against the subscription cost.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com