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Your team wins the deal. Your LOS shouldn't lose it.

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.

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4–8 hours per file on manual doc review — eliminated
TRID · QM · HMDA — automated compliance
AI-native architecture · Powered by Claude

You already know the problem.

Every day your team fights the same battles. And every day, your legacy LOS vendor collects the same check.

Your LOS Is the Bottleneck

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.

Six Figures for Software That Fights You

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.

"AI" That Insults Your Intelligence

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.

Built from scratch. On purpose.

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.

AI That Actually Works

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.

Compliance on Autopilot

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.

Your Whole Team. One Loan. Same Time.

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.

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 — 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.

Pre-Submission Audit

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.

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, ATR, HMDA, TRID — enforced at every state change. Deadlines computed automatically. Full audit trail. LAR export ready the moment regulators come calling.

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.

AI that reads loan files like a senior processor

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.

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

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.

Cross-Validate Everything

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.

Catch It Before the Underwriter Does

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.

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

Every regulation enforced at every state change. Every action logged. Every deadline computed and tracked. When the examiner calls, you're ready.

TRID Enforcement

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.

QM / ATR

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.

HMDA Ready

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.

Audit Trail

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 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

Ready to stop fighting your own technology?

One conversation. Your workflows, your documents, your team. We'll show you what modern lending looks like — and why the lenders who see it don't go back.

Request a Demo hello@sheerdata.com