You have a point...I know reviewer's that think that the most important part of the assignment is endorsing the check. I also understand the need to have an appraiser ear. Seriously, you think $500 is a bad deal for two or three hours of work (I do mine on the beach or patio)? I must be easily satisfied
Of course there are always those that take longer, but...
As a banker, you could pick up the phone and call 10 appraisers, and 9.5 would be willing to help you out (although it's kind of scary how many don't know the rules that guide the people they're writing appraisals for). Pick a cliche...what goes around...one hand washes. It's all in the name of good business and relationships.
Since I've endorsed checks from both sides of the fence, I have to say that I'm glad there are some banks that have appraisers on staff and some that don't.