The AI-Native Evidence Platform
for Mortgage Operations.
Extracted. Explained. Evidenced.
E3 · AI-Native · Mortgage-Native · MISMO-Aligned · FNMA DU & FHLMC LPA Compliant · ULDD 5.1 / UCD 2.0 / UAD 3.6 · On-Cloud or BYO-Cloud
Clara works the run. E3 validates every loan, lets clean files pass, and surfaces only the exceptions, each one recommended, evidenced, and tracked to a delivery-ready file.
From finding to delivery, Clara does the legwork.
Catching the exception is the start. Clara reconciles it, cites the rule, drives the fix, and delivers a GSE-ready file, so loans clear faster and your team stays on the decisions that need judgment.
Reconciles the whole file, not one field.
Clara cross-checks every value across URLA, W-2s, paystubs, tax returns, bank statements, the appraisal, AUS findings and the closing package, so conflicts surface as scored findings instead of hiding behind a single field.
- Income, liabilities & borrower identity reconciled across sources
- The source that disagrees is named, not just the discrepancy
- One canonical record, every value normalized to the MISMO ontology
Cites the rule, then drives the fix.
Every finding maps to the published policy it touches, the FNMA & FHLMC Selling Guides, agency program rules, and federal compliance. Clara proposes the correction with its citation, opens the condition with evidence attached, and tracks it to a delivery-ready file.
- Severity-scored findings, each tied to its rule pack
- Recommended fix with the exact guide citation
- Conditions opened with evidence, tracked to closure
Delivers an audit-ready, GSE-ready file.
Clara reconciles to Fannie Mae DU and Freddie Mac LPA findings and produces the QC report and delivery file the secondary market expects, every value carrying its Evidence Pointer back to the source page and rule.
- Reconciled to DU & LPA findings
- GSE-delivery-ready: UCD 2.0 · ULDD 5.1 · UAD 3.6
- Evidence Pointer on every value, fully traceable
QC across every loan-quality checkpoint.
E3 plugs in after underwriting and runs full-file QC at the queues that matter, pre-funding, post-closing, pre-purchase, post-purchase and servicing, turning each underwritten file into an evidenced, audit-ready file your investors and auditors can trust.
Four layers no general-purpose AI offers in one place.
E3 is not a wrapper on a commercial AI API. It pairs a proprietary model purpose-built for mortgage documents with a deterministic engine that enforces the published policy of the mortgage industry, a neuro-symbolic approach where the neural model proposes and the symbolic rules dispose. That is what makes E3 explainable and defensible where general-purpose AI is neither, and what eliminates hallucination risk at the point of decision.
Proprietary, Mortgage-Trained Model
Understands the spatial and semantic structure of forms, tax returns, appraisals, credit reports, closing packages, and bespoke borrower documentation. Industry-leading accuracy and high-throughput performance for production lender volumes.
MISMO-Aligned Mortgage Ontology
A canonical model of the entities, attributes, and relationships that constitute a loan file (borrower, property, income, credit, collateral, closing, compliance). Every extracted value is normalized into this ontology before it is validated or delivered.
Deterministic Policy-Rule Runtime
Enforces the FNMA & FHLMC Selling Guides, FHA / VA / USDA program requirements, and the federal compliance frameworks (TRID, ATR/QM, HOEPA, HMDA, RESPA, Reg B, OFAC), with severity scoring and full traceability. The model proposes; the rules dispose.
Cross-Document Reasoning
Reconciles borrower data across URLA, VOE/VOI, paystubs, W-2s, tax returns, bank statements, the appraisal, AUS findings, the Closing Disclosure, and the note, so inconsistencies between documents surface as findings, not hidden behind a single field-extraction view.
Show your evidence on every finding.
Every value carries an Evidence Pointer, the source document, page and bounding box, the model version that read it, and the rule that validated it. Click a value and the source pixel highlights on the original PDF.
- Source-page, field & bounding-box traceability
- Agency rule citation + model version on each finding
- Evidence is a property of the data, not a claim