I don’t have enough context to feel confident in a position either way on this one. On one hand, yes, having the last appraisal that was apparently conducted f

I don’t have enough context to feel confident in a position either way on this one. On one hand, yes, having the last appraisal that was apparently conducted for a white family come in higher is a huge red flag. On the other hand, I’ve had drastically different appraisals come back on my own home (~30% delta) and note that the lower appraisals were in early 2020 while the higher appraisal was almost a year later. A lot can happen in even a “normal” real estate market in a year, and 2020 was in no way normal.