Agencies Finalize Rule Raising CRE Appraisal Threshold The Federal Reserve, FDIC and the OCC approved a final rule raising the required appraisal thresholds for commercial real estate transactions from $250,000 to $500,000. This represents an increase from the original proposal, which called for the appraisal threshold to be raised to $400,000. Under the final rule, the threshold for loans secured by one-to-four family residential properties will remain at $250,000; however, residential construction loans secured by multiple one-to-four residential properties would be considered CRE transactions.