Experts say bias in the appraisal process is the reason for the gap, but change may be coming. That's not surprising, considering 95% of appraisers in Philadelphia — a majority nonwhite city — are white, a report by the Philadelphia Home Appraisal Bias Task Force found. "It's like a flight simulator for appraisers," Swinney said. Right now, Pennsylvania is among the 42 states that have signaled PAREA is an acceptable model for training appraisers. As a City Council member, she formed the Home Appraisal Bias Task Force, which produced a report with recommendations for and data on appraisal bias in the city.

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