Everything E3 does, in one place.
Extracted. Explained. Evidenced.
E3 · whole-file validation · evidence on every value · agency & regulatory coverage · on-cloud or BYO-cloud
From loan package to GSE-ready, in one pipeline.
Every file runs the same seven-stage path, left to right, on a native mortgage model, with evidence captured at each step.
Intake
Upload full loan packages, bulk, multi-doc, scanned, image-based, mixed sets.
Classification & Extraction
Clara segments 87+ mortgage form types and extracts structured data with mortgage context.
Synthesis
628 field mappings reconcile into a golden record across 13 entity tables, with source attribution.
Validation
1,679 rules across 119 rulesets and 40 programs run cross-document QC and policy checks.
Findings Review
Findings auto-map to the FNMA defect taxonomy with severity grading and remediation guidance.
Disposition
Reviewers act on high-value risk decisions; every action is logged to an immutable audit trail.
QC Reporting
Audit-ready QC reports and exception summaries, every item traceable to its source evidence.
Every value, validated and evidenced.
E3 classifies and extracts 87+ mortgage form types, normalizes each value into a MISMO-aligned ontology, and validates the file against 1,679 rules across agency, investor and federal policy.
- Cross-document reconciliation across the whole package
- Severity-scored findings mapped to the FNMA defect taxonomy
- One canonical record, ready for your systems of record
An Evidence Pointer on every value.
Each value carries its source document, page, bounding box, the model version that read it, the rule pack that validated it, and the ontology version that interpreted it. Click a value and the source pixel highlights on the original PDF.
- Source page, field & bounding box on every value
- Model version + rule citation attached to each finding
- Evidence is a property of the data, defensible under audit
Built for the teams that carry the audit weight.
E3 runs on a proprietary mortgage model, so borrower data stays inside one trusted environment, your controls and your cloud, and is never passed to a third-party AI service.
Encryption everywhere
TLS 1.2+ in transit and AES-256 at rest with managed keys, across every environment.
Access & identity
Role-based access, SSO via SAML / OIDC, tenant isolation, and full audit logging on every action.
NIST CSF & GLBA aligned
Controls mapped to the NIST Cybersecurity Framework and the GLBA Safeguards Rule, with CCPA / CPRA and state data-rights workflows.
No third-party AI
One trusted model you control, no dependency on an outside provider's terms, and no borrower NPI leaving to an external model.
Bring your own cloud
Run in our managed cloud or your own AWS, Azure or GCP environment, so data stays within your perimeter and governance.
SOC 2 Type II
On our roadmap; the underlying controls are already part of the platform today.
Versioned rules for what your customers are audited against.
Consumer disclosure & fair lending
TRID · RESPA · TILA Reg Z · HOEPA · ECOA Reg B · Fair Housing Act · FCRA Reg V · HMDA · SAFE Act
Agency, investor & state
Fannie Mae · Freddie Mac · Ginnie Mae · FHA · VA · USDA · private investor overlays · state-law overlays · HFA programs
Mortgage programs, as first-class objects
Conventional and affordable · FHA 203(b) / 203(k) · VA purchase, IRRRL & cash-out · USDA 502 Guaranteed & Direct · jumbo · DSCR investor · bank-statement · ITIN · foreign-national, each with its own ruleset, eligibility matrix and delivery profile.
Fits the stack you already run.
REST API & webhooks
For your LOS, POS and downstream systems, with live status channels.
DU & LPA aligned
Reconciles to Fannie Mae DU and Freddie Mac LPA findings, and supports both workflows.
MISMO & SSO standards
MISMO data-exchange ready, with SSO via SAML and OIDC.
GSE-ready delivery
Produces UCD 2.0, ULDD 5.1 and UAD 3.6 delivery files.