Your loan files shouldn't take longer to process than the house took to build.

ClearClose is the AI-native loan origination system that auto-classifies documents, catches compliance gaps, and gives your team a pre-submission readiness score — before the file ever hits underwriting.

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Loan #2026-0847

Johnson Purchase · $425,000

Score: 94

Docs Verified

In Review

Missing

W2 income matches paystub YTD — verified

Auto-validated · $125,400

TRID LE deadline: 2 business days remaining

Compliance · Action required by Mar 17

Missing flood certification — auto-flagged

Condition · Required before CTC

Sound familiar?

Legacy LOS platforms were built for a different era. Your team is paying the price every day.

Locked Out of Your Own Loan File

Only one person can work a file at a time. Your processor waits while your LO finishes. Your underwriter waits while your processor catches up. Every delay costs you days — and sometimes the deal.

Your LOS Needs Its Own IT Department

Certified consultants to configure workflows. Months-long implementations. Six-figure annual licensing. And when you need a simple change, you open a ticket and wait. Your LOS vendor's roadmap doesn't include your priorities.

AI That's Just a Checkbox

Your vendor announced "AI features" but it's keyword matching dressed up in a press release. Real AI reads a W2, cross-validates it against a paystub, and flags the discrepancy — not just OCR with a chatbot bolted on.

If you're nodding, you're not alone. Community banks and credit unions are leaving legacy systems — and the ones who move first are winning.

Built different. On purpose.

ClearClose isn't a legacy system with new paint. It's a modern LOS built from scratch for the way lending works today.

AI Document Intelligence

Every document auto-classified, extracted, and cross-validated the moment it's uploaded. Your processor reviews findings, not paperwork. Pre-submission file audit catches what manual review misses — with a readiness score before the file hits underwriting.

Compliance Built In

TRID deadlines tracked automatically. QM/ATR checks enforced at every state change. HMDA data collected as you go, not scrambled at year-end. Full audit trail — who did what, when, with citations.

Your Whole Team, One File

Loan officers, processors, underwriters, and borrowers — all in the same loan, at the same time. No file locking. No waiting. Real-time collaboration from application to funding.

From legacy to live in weeks, not months

No six-month implementation. No certified consultants. Connect, process, close.

Connect

We configure your instance, set up roles, and import your pipeline. No data migration headaches — start clean or bring history forward. Your team is working loans within days.

Process

Your team works loans through ClearClose. AI handles document classification, condition discovery, and compliance checks automatically. You handle relationships and decisions — the system handles paperwork.

Close

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

Everything your team needs. Nothing they don't.

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

AI Document Engine

Upload any mortgage doc — W2, paystub, bank statement, tax return, appraisal, title. Claude classifies, extracts structured data, and cross-validates across the entire file.

Pre-Submission Audit

Before the file goes to underwriting, AI reviews the entire loan package. Returns findings, missing items, and a 0-100 readiness score. Fewer conditions back means faster closings.

Durable Workflows

10-state loan lifecycle orchestrated with guaranteed delivery. Every state transition is audited and resumable. No lost files. No orphaned tasks. No surprises.

Borrower Portal

Borrowers log in, see their loan status, upload documents, review disclosures, and eSign — from any device. Fewer phone calls. Better experience. Higher pull-through.

Compliance Automation

QM, ATR, HMDA, TRID — all automated. Deadlines computed and enforced. Audit trail on every action. LAR export ready for regulators when they come calling.

Pipeline Analytics

Loan volume, officer performance, condition metrics, SLA tracking. See your operation in real time, not last month's spreadsheet. Built for operators, not dashboard tourists.

AI that actually reads your loan files

Not keyword matching. Not OCR templates. Claude understands mortgage documents the way an experienced processor does — then works 24/7 without coffee breaks.

Document uploaded

johnson_w2_2025.pdf · 2 pages

Classification 98% confidence

W-2 Wage and Tax Statement (2025)

Extracted Fields

Employer Apex Technologies Inc.

Wages (Box 1) $125,400.00

Federal Tax Withheld $22,572.00

Cross-Validation

W2 wages ($125,400) match paystub YTD ($125,400)

Finding

Employment gap detected: 3 months between positions — may trigger condition for LOE

Classify & Extract

Upload a document and Claude identifies it instantly — W2, paystub, bank statement, tax return, appraisal, title commitment, hazard insurance, VOE. Structured data is extracted and mapped to the loan file automatically.

Cross-Validate Everything

Income on the W2 matches the paystub? Bank deposits align with pay frequency? Property address on the appraisal matches the purchase contract? ClearClose checks across every document in the file — not just within one.

Surface What Matters

Employment gaps, income discrepancies, missing pages, expired documents, address mismatches. ClearClose flags what an underwriter will catch — so your processor resolves it first.

4–8 hours per file

That's what processors spend on manual document review today. ClearClose reduces that to minutes — and catches things humans miss at hour six.

Compliance isn't a feature. It's the foundation.

Every regulation enforced at every state transition. Every action logged. Every deadline tracked.

TRID Enforcement

Loan Estimate due 3 business days from application. Closing Disclosure due 3 days before closing. System computes deadlines based on application date, tracks every revision, and flags violations before they happen — not after.

QM / ATR

DTI ≤ 43%, term ≤ 30 years, fully amortizing — checked at every state transition. 8-factor Ability-to-Repay analysis with pass/fail determination and full audit trail. QM safe harbor or rebuttable presumption classification.

HMDA Ready

Demographic and loan-level data collected throughout the lifecycle — not scrambled together at year-end. LAR CSV export with all required fields when regulators come calling. Built-in validation catches missing data before it becomes an exam finding.

Audit Trail

Every action logged: who, what, when, why. Append-only. Filterable. Exportable. Your compliance officer gets a clear, defensible record of every loan decision. No reconstructing timelines from email threads.

Built by someone who's been in your shoes

Tom Tilley · CEO & CTO, Sheer Data

15+ years building enterprise data platforms across mortgage, healthcare, insurance, and financial services. Previously CTO of Innova Health and CTO of ClearSense. I've seen what happens when critical operations run on software that was built for a different decade.

ClearClose exists because the mortgage industry deserves better tools than what legacy vendors are willing to build. Modern architecture, real AI, transparent pricing — not a 20-year-old system with a fresh coat of paint.

Mortgage & Lending Financial Services Healthcare Enterprise Data Claude / Anthropic