Clear Close is the AI-native loan origination system built for independent lenders who refuse to let legacy software define their ceiling. Faster closings. Automatic compliance. Zero six-figure consulting fees.
Live demo with real loan data. No form, no sales call, no gatekeeper.
Every day your team fights the same battles. And every day, your legacy LOS vendor collects the same check.
One user per file. Your processor waits. Your underwriter waits. Your borrower waits. Meanwhile, the megabank across town closes in half the time — not because they're better, but because their technology isn't fighting them.
Licensed per seat. Consultants to configure. Months to implement. And when you need a change? Open a ticket. Wait three weeks. Get told it's on next year's roadmap. Your vendor's priorities aren't your priorities.
Your vendor put AI in a press release. What they shipped is keyword matching with a new logo. Real AI reads a W2, cross-validates it against a paystub, catches the discrepancy, and tells your processor exactly what to do about it.
The lenders who move first win. The rest explain to their board why they didn't.
Clear Close isn't your old LOS with AI sprinkled on top. It's what a loan origination system looks like when you start with modern architecture and work backward from what lenders actually need.
Every document classified, extracted, and cross-validated the moment it's uploaded. Your processor reviews findings — not paperwork. A pre-submission audit scores the entire file before it hits underwriting. Fewer conditions back. Faster closings.
TRID deadlines computed and enforced. QM/ATR checked at every state transition. HMDA collected as you go — not scrambled at year-end. When the examiner walks in, you hand them a report, not an excuse.
LO, processor, underwriter, borrower — everyone in the same file simultaneously. No locking. No waiting. No "I'll get to it when Sarah's done." From application to funding, your team moves at the speed of the deal.
No six-month implementation. No dedicated IT resource. No migration nightmares. Three steps.
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.
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.
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.
Purpose-built for mortgage origination — not a generic platform with a loan module bolted on.
Drop any mortgage doc — W2, paystub, bank statement, tax return, appraisal, title. Claude classifies it, extracts structured data, and cross-validates against every other document in the file. Automatically.
Before the file leaves your desk, AI reviews the entire loan package. Missing items, data discrepancies, compliance gaps — surfaced with a 0-100 readiness score. Send clean files. Get fewer conditions back.
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.
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.
QM, ATR, HMDA, TRID — enforced at every state change. Deadlines computed automatically. Full audit trail. LAR export ready the moment regulators come calling.
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.
Clear Close picks up when the borrower shows up. Everything from application to closing signature happens in one system.
Borrower fills out a guided application from their phone or laptop. Personal info, employment, property details — submitted in minutes.
Borrowers log into their portal to upload documents, see outstanding conditions, and track where their loan stands — without calling your office.
Disclosures delivered electronically. Borrower reviews, consents, and signs from any device. Full audit trail, no printing, no chasing.
Your borrower never leaves Clear Close. Your team never switches systems.
Not keyword matching. Not OCR with a chatbot. Claude understands mortgage documents the way a 20-year processor does — then works every file in your pipeline simultaneously.
Drop a document. Claude identifies it instantly — W2, paystub, bank statement, tax return, appraisal, title, VOE. Data extracted and mapped to the loan file before your processor finishes their coffee.
W2 income matches the paystub? Bank deposits align with pay frequency? Appraisal address matches the purchase contract? Clear Close checks across every document in the file — the way your best underwriter would, but in seconds.
Employment gaps. Income discrepancies. Missing pages. Expired documents. Address mismatches. Clear Close flags exactly what an underwriter will condition — so your processor fixes it before the file ever leaves your shop.
4–8 hours per file. Gone.
That's what your processors spend on manual doc review today. Clear Close does it in minutes — and catches the things humans miss at hour six.
Every regulation enforced at every state change. Every action logged. Every deadline computed and tracked. When the examiner calls, you're ready.
LE due 3 business days from application. CD due 3 days before closing. Clear Close computes every deadline, tracks every revision, and flags violations before they happen — not after the examiner finds them.
DTI, term limits, amortization — checked at every state change, not just at closing. 8-factor ATR analysis with pass/fail and full audit trail. Safe harbor or rebuttable presumption — classified automatically.
Demographic and loan-level data collected throughout the lifecycle — not panic-assembled at year-end. LAR export with all required fields. Built-in validation catches missing data before it becomes an exam finding.
Every action logged: who, what, when, why. Append-only. Filterable. Exportable. A clear, defensible record of every decision on every loan. No reconstructing timelines from email threads when the auditor asks.
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.
Live demo. Real loan data. No form, no sales call, no gatekeeper. Or reach out and we'll walk you through it.