Powered by Claude

From application to funded. Every loan, accounted for.

The gap between origination and funding is where deals die — buried in conditions, stale docs, and missed deadlines. Clear Close closes that gap.

Request a Demo See How It Works

See exactly where your pipeline is leaking. Takes 20 minutes.

CC
Nashville Branch
12 active loans · Last scan 2m ago
Score: 94
$2.4M
Volume MTD
22d
Avg Close
94%
Pull-Through
97.2%
Clean Rate
Document verified — W-2 classified, income extracted ($87,400)
Mitchell Loan · 12s ago
Pre-submission audit passed — Mitchell loan scored 88/100
Compliance engine · 3m ago
~32% of applications never reach closing. Clear Close finds out why.
4 compliance frameworks — QM, ATR, HMDA, TRID. Zero manual checks.
AI-native architecture · Powered by Claude

Three systems. One closing engine.

Documents flow in. Intelligence catches what humans miss. Loans go out clean. And every post-close audit teaches the system what to watch next.

Origination
Loan data in
Applications (1003/URLA)
Credit reports (tri-merge)
Income & asset documents
Appraisals & title
CC
Clear Close Intelligence
AI-native processing
11-type document classification
Automated cross-validation
Pre-submission audit (0–100)
QM / ATR / HMDA / TRID compliance
Closing
Clean loans out
Investor-ready submissions
MISMO XML packages
Audit-ready compliance trail
Funded and post-close ready
Post-close findings feed back into underwriting — proving which checks prevent real buybacks

Your loan processing command center.

Pipeline, documents, underwriting, and analytics — every screen your team needs to close faster.

CC
Clear Close
Nashville Branch
Search loans, borrowers, properties...
/
78%
Sarah & James Mitchell CC-2026-0318 Underwriting
742 Oakwood Dr, Nashville TN
82%
Maria Rodriguez CC-2026-0315 Approved
1201 Elm St, Franklin TN
72%
David Chen CC-2026-0312 Processing
89 River Rd, Brentwood TN
90%
Amanda & Kevin Foster CC-2026-0310 Funded
456 Main St, Murfreesboro TN
85%
Robert Williams CC-2026-0308 Suspended
2100 Park Ave, Nashville TN
Claude reviewed 47 documents across 5 loans today — 0 exceptions flagged
Income verified, appraisals cross-checked, and compliance pre-screens passed for all active loans.
CC
Clear Close
8 Documents
Documents Received
8
Classified
8/8
Verified
6/8
Issues Found
1
Document Review
6 Verified 1 Pending 1 Issue
W-2 (2024) — Sarah Mitchell
Income: $87,400 · Verified
W-2 (2024) — James Mitchell
Income: $92,100 · Verified
Pay Stub (Mar 2026) — Sarah Mitchell
Monthly: $7,283 · Verified
Appraisal — 742 Oakwood Dr
Value: $495,000 · Verified
HOI Declaration — State Farm
Coverage: $495,000 · Pending
Gift Letter — Margaret Mitchell
Amount not verified · Issue
CC
Clear Close
In Review
88
Readiness Score
QM Status
5/5
All rules passed
ATR Status
8/8
Factors verified
TRID
4 days
CD due date
HMDA
✓
Data collected
Conditions
2 Outstanding 2 Satisfied
Verify gift letter amount with bank statement
AI-generated · Outstanding
HOI declaration page — awaiting upload
AI-generated · Outstanding
Verify 2-year employment history
Manual · Satisfied
Confirm property tax escrow
Manual · Satisfied
CC
Clear Close
Nashville Branch

Pipeline Overview

March 2026 · Nashville Branch

Monthly Volume

$2.4M

+12%

Avg Days to Close

22

-3 days

Pull-Through

94%

+2.1%

Clean Rate

97.2%

+1.8%

Volume Forecast

Actual Projection
$3M$2.5M$2M$1.5M
AugSepOctNovDecJanFebMar

Conditions

68%
22%
6%
Satisfied
68%
Pending
22%
Waived
6%
Outstanding
4%
Pre-submission audits prevented 12 suspensions this month — $4.8M protected.

AI Insight

Gift letter verification is your #1 condition bottleneck — 3 loans affected, average 4.2 day delay. Clear Close now flags gift letters for immediate review at upload.

Live in weeks. Not a consultant's definition of "weeks."

No six-month implementation. No dedicated IT resource. No migration nightmares. Three steps.

1

Connect

We configure your instance, set up roles, and import your pipeline. Start clean or bring history forward. Your team is working loans within days — not months.

2

Process

Your team works loans the way they already do. AI handles document classification, condition discovery, and compliance checks in the background. You handle relationships and decisions. The system handles everything else.

3

Close

Pre-submission audit scores every file before it leaves your desk. MISMO export packages the loan. Borrowers eSign from any device. Fund faster with fewer conditions back — because the file was clean from the start.

Six capabilities. One system. Zero bloat.

Purpose-built for mortgage origination — not a generic platform with a loan module bolted on.

AI Document Engine

Drop any mortgage doc — W-2, paystub, bank statement, 4506-C, appraisal, title commitment. Claude classifies it, extracts MISMO-mapped data, and cross-validates income, assets, and employment across every document in the file.

Pre-Submission Audit

Before the file leaves your desk, AI reviews the entire loan package against investor overlays and agency guidelines. TRID tolerance violations, missing HMDA fields, stale appraisals — surfaced with a 0-100 readiness score. Send clean files. Get fewer conditions back.

Bulletproof Workflows

10-state loan lifecycle with guaranteed delivery. Every transition audited and resumable. No lost files. No orphaned tasks. No "where did that loan go?" moments.

Borrower Portal

Your borrowers log in, see their status, upload docs, review disclosures, and eSign — from any device. Fewer "where's my loan?" calls. Better experience. Higher pull-through.

Compliance Engine

QM points-and-fees thresholds, ATR 8-factor verification, HMDA LAR field validation, TRID CD delivery timing — enforced at every state change. Tolerance cures computed automatically. Full audit trail. Export-ready when regulators call.

Pipeline Intelligence

Loan volume, LO performance, condition metrics, SLA tracking — in real time, not last month's spreadsheet. Built for operators who run on data, not gut feel.

Your systems. One intelligence layer.

Clear Close runs on top of your LOS — not instead of it. Keep Encompass, keep your workflows. We add the intelligence layer that makes every loan close faster and cleaner.

Runs on Top of Your LOS
Keep your system — we add intelligence
Encompass
ICE Mortgage Technology
Byte Software
LOS Connector
MeridianLink
LOS Connector
Calyx Point/Path
MISMO XML
Optimal Blue
Pricing Engine
LoanSifter
Pricing Engine
Services & Closing
Data providers, AUS & delivery
Plaid
Income & Assets
Equifax / Experian / TU
Credit Reports
DU / LP
Automated Underwriting
MISMO
Data Standards
eNote / eVault
MERS eRegistry
Investor Delivery
ULDD / URLA
Live
Coming

The borrower's journey — start to close

Clear Close picks up when the borrower shows up. Everything from application to closing signature happens in one system.

1

Apply

Borrower fills out a guided application from their phone or laptop. Personal info, employment, property details — submitted in minutes.

Public link — no login required to start
2

Track & Upload

Borrowers log into their portal to upload documents, see outstanding conditions, and track where their loan stands — without calling your office.

Self-service borrower dashboard
3

Review & Sign

Disclosures delivered electronically. Borrower reviews, consents, and signs from any device. Full audit trail, no printing, no chasing.

eConsent + eSign — built in

Your borrower never leaves Clear Close. Your team never switches systems.

Tom Tilley, CEO & CTO of Sheer Data

We've been where you are.

Tom Tilley · CEO & CTO, Sheer Data

Clear Close wasn't designed in a lab. It was born from years inside the lending operation — watching good loan officers lose deals to bad software, watching processors burn hours on work that a machine should handle, watching compliance teams scramble because the system wasn't built to help them.

We built Clear Close because the mortgage industry deserves better than a 20-year-old system with a fresh coat of paint. Our team brings 15+ years of enterprise platform development across mortgage, banking, and financial services — combined with the AI engineering to actually deliver on the promise everyone else is just talking about.

Mortgage & Lending Banking Financial Services Enterprise Architecture AI / Claude Compliance
OUR COMMITMENT

Responsible AI in Mortgage

Mortgage decisions affect families, homeownership, and financial futures. We build AI systems with the controls and oversight that those stakes require.

Humans in the Loop

Every compliance finding, document exception, and closing recommendation is reviewed by mortgage professionals with final sign-off authority. Our agents accelerate the work. Your team makes the decisions.

Controls & Guardrails

Audit trails on every document review. Regulatory validation against TRID, RESPA, and state-specific requirements. Output verification, exception flagging, and kill switches — because in mortgage, compliance failures have real consequences.

Built on Anthropic Claude

Clear Close runs exclusively on Anthropic Claude — the industry leader in AI safety. We operate under Anthropic's Usage Policy and align our practices with their commitment to safe, beneficial AI.

See the full picture

The compliance gaps. The stale conditions. The loans dying in your pipeline right now. We'll show you exactly where — and how to fix it.

Request a Demo Email Us Directly