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Every Document Read. Every Data Point Checked.
Configured to Your Rules and Checklists.
CLARAA is an AI enabled data and document workflow engine backed by experienced Mortgage Analysts and Underwriters. It ingests any document type, extracts and reconciles the data that matters, and applies your underwriting checklists, your investor overlays, and your defect taxonomy — not a generic ruleset. Automation handles the volume and the cross-checking; your reviewers get a decision ready file instead of a stack of paper.
Document Classification
- 011003 — Loan ApplicationClassified
- 02Credit reportClassified
- 03Bank statements, 24 monthsClassified
- 04Closing DisclosureVerified
- 05Appraisal — Form 1004Superseded
Exceptions · Your Taxonomy
Four Capabilities, One Engine
CLARAA is not a checklist with OCR bolted on. It reads the file, reconciles the data, classifies
what is wrong, and puts a qualified person behind every decision.
Document Intelligence
Ingests scanned images, digital PDFs, and mixed-format loan files with no pre-sorting, naming convention, or separator sheets required. CLARAA classifies and indexes every page, builds the stacking order, checks the file against the required document set, and flags what is missing, illegible, unsigned, undated, or superseded by a later version.
Data Extraction & Verification
Pulls key data points from source documents and verifies them against each other and against your system of record borrower identity, income, assets, employment, property and valuation, loan terms, fees, dates, and signatures. Values that disagree across documents are surfaced as a discrepancy rather than silently resolved. Every extracted value carries a confidence score and links back to the page and field it came from.
Configurable Rules & Exception Management
CLARAA runs your rules, not a generic ruleset. Your underwriting checklists, your AUS findings handling, your investor overlays, and your repurchase defect taxonomy are configured into the engine, so the review reflects how your shop actually underwrites. Each discrepancy becomes a tracked exception with a defect classification, a severity, an owner, and a clearance status routed through your escalation path rather than buried as a comment in a PDF.
Human-in-the-Loop Decisioning
Automation exists to make the human decision better, not to replace it. By the time an experienced Mortgage Analyst or Underwriter opens the file, the documents are indexed, the data is reconciled, and the exceptions are classified against your taxonomy with the supporting pages attached. The reviewer applies judgment to a decision-ready file and clears, escalates, or signs off faster, and with more in front of them than a manual review would ever surface.
From Loan File to Cleared Exception Report
Five steps, one pass, full audit trail.
-
01
Ingest
Any format, no renaming,
no separator pages. -
02
Classify
Every page identified and
stacked to your doc set. -
03
Verify
Data reconciled across
documents and your rules. -
04
Review
Exceptions worked by an
Underwriter to clearance. -
05
Deliver
Cleared file, exception
log, full audit trail.
Your Checklists. Your Taxonomy. Your Exceptions.
Most review platforms make you conform to their model of a loan file. CLARAA
is configured to yours before the first file is processed.
Underwriting checklists
Your conditions, your required doc sets, your stacking order built into the engine so the review matches the checklist your underwriters already work from.
AUS findings
Findings are read and the file is validated against what the AUS actually required, so verified data ties back to the conditions driving the approval.
Investor and agency overlays
Rule sets per investor, per product, per program so a file destined for one buyer is not reviewed against another buyer’s requirements.
Repurchase defect taxonomy
Defects classify against your taxonomy and severity grading, so QC findings roll up in the categories your board, your investors, and your agencies already report on.
Exception management workflow
Routing, ownership, escalation paths, and clearance criteria follow your process, not a fixed vendor workflow.
Why it matters:
Automation is only as reliable as the rules it runs on. When those rules reflect your organization’s standards, findings arrive ready for action, and your team’s time is spent on judgment, not re‑verification.
Support at Every Checkpoint, From Fulfillment to Securitization
The same engine, applied wherever your loan file needs a second set of eyes.
Mortgage Fulfillment
Human-in-the-loop underwriting support. CLARAA validates key data points in real time and confirms origination documents are present and correctly indexed, surfacing discrepancies before the file moves forward.
What CLARAA checks:
- Origination document presence, legibility, and indexing
- Income, asset, and employment data reconciled against the 1003 and AUS findings
- Conditions outstanding versus satisfied, with supporting documentation matched to each
Ideal for: Lenders augmenting in-house underwriting capacity without scaling headcount 1:1 with volume.
Pre-Funding QC
Full-file review prior to close or purchase. CLARAA reviews 100% of the loan file against investor and agency requirements, logging and tracking every exception through clearance before funds are released.
What CLARAA checks:
- 100% of the file against investor, agency, and overlay requirements
- Final loan terms and fees against the approved terms and disclosures
- Every exception logged, owned, and tracked through clearance before funding
Ideal for: Lenders and purchasers who need certainty a file is clean before money moves.
Post-Closing QC
Agency-aligned sampling and remediation. CLARAA selects and reviews a statistically sound sample of closed production, flags defects against a standard taxonomy, and routes findings for remediation tracking.
What CLARAA checks:
- Statistically valid sample selection meeting agency requirements
- Defects classified against a standard taxonomy with severity grading
- Remediation routed, tracked to close, and trended across production
Ideal for: Lenders maintaining agency-eligible QC programs across closed loan production.
Due Diligence
RMBS pool review and reliance letter support. CLARAA conducts full or sample-based post-closing file review at the pool level
and documents findings to support issuance of a reliance
letter.
What CLARAA checks:
- Credit, compliance, property, and data integrity reviewed at the pool level
- Findings graded and rolled up to pool-level reporting
- Documentation packaged to support issuance of a reliance letter
Ideal for: Issuers and buyers preparing loan pools for RMBS securitization.
What Changes When 
Runs the File
-
Stare-and-compare disappears
Analysts stop retyping and cross-checking documents by hand and spend their time on the exceptions that need judgment.
-
Nothing gets missed because someone was tired
The engine checks every document in every file the same way at 4pm on a Friday as it does Monday morning.
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Exceptions stop living in email
Every discrepancy is classified against your taxonomy, owned, and tracked to clearance in one place.
-
Findings arrive in your categories
Because the engine runs your checklists and your defect taxonomy, QC output feeds your existing reporting instead of being translated into it.
-
Reviewers decide with more in front of them
Automation does the reconciling so the human sees a decision-ready file, not a stack of documents to work through first.
-
Volume spikes stop being a hiring problem
Capacity scales with the engine, not 1:1 with headcount.
-
Repurchase and buyback exposure shrinks
Defects surface before delivery instead of after the agency finds them.
-
Every decision is defensible
A complete audit trail sits behind each review, each exception, and each sign-off.
-
4 stages
of loan review
covered -
100%
file review for
pre-funding QC -
10%+
agency-required
sampling supported -
1100+
document types
classified automatically -
3200+
data points extracted
and verified per file -
40%
reduction in
review turn time
Built for Agency and Investor Confidence
CLARAA is Stellar Innovations’ deterministic loan intelligence workflow platform, powered by the proprietary UniDex engine. It
classifies, extracts, and validates mortgage document data using configurable rules, integrates with loan origination systems, and
delivers traceable, audit-ready data in MISMO ILAD format to support lender, investor, and agency governance requirements.
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MISMO Certified
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Disclaimer: CLARAA is a certified MISMO product and meet the compliance
requirements for Data Standards and extraction as further described on mismo.org -
SOC 2 Type II Attested
-
NIST Security
Standards-Based Integration
Integrates with loan origination systems and delivers structured data in MISMO ILAD format.
Deterministic Validation
Classifies, extracts, and validates mortgage document data using configurable rules and workflows.
Traceable Results
Extracted values can be traced back to source documents, supporting review, governance, and audit readiness.
Secure at Every Layer, with CLARAA
Stellar builds and operates your solution on the world’s most trusted cloud, with security engineered into every layer.
-
01
Secure Foundation
Hardware root of trust with strong isolation, and no operator access to your workloads.
-
02
Data Protection
Encrypted at rest and in transit with your own keys. Your data is never used to train foundation models.
-
03
Identity & Access
Least-privilege permissions for every workload, with strong authentication and full auditability.
-
04
Threat Detection
Continuous real-time monitoring with automated detection and guided remediation.
Shared Responsibility Model
CLARAA secures OF the cloud
Compute, storage, database, networking and global hardware infrastructure
You + CLARAA secure IN the cloud
Data, applications, identity & access, and configuration
Built for Every Point in the Loan Lifecycle
Whether you are originating, funding, closing, or securitizing,
CLARAA fits the checkpoint you need most
-
Lenders
Augment underwriting capacity and
closed-loan QC without adding headcount -
Purchasers & Investors
Confidence in a file, or a pool, before
capital is committed -
Issuers
Investor-grade documentation and
reliance letters ahead of securitization
Most Common FAQ'S
Still have questions in mind contact us now
CLARAA is Stellar Innovations’ deterministic loan intelligence workflow platform, powered by the proprietary UniDex engine. It classifies, extracts, compares, and validates mortgage document data to support workflows including origination, underwriting, closing, post-closing quality control, and due diligence.
Lenders can automate post-closing mortgage QC by using technology to review loan files, identify defects and data discrepancies, track remediation, and support compliance reporting. CLARAA brings these capabilities into a structured workflow designed to reduce repetitive manual review and improve visibility into loan quality.
CLARAA reduces repetitive “stare-and-compare” review by automating document processing, extraction, and comparison. This allows analysts and auditors to focus more attention on defects, exceptions, remediation, and activities that require human judgment.
CLARAA supports statistically sound post-closing sampling and the agency-required review of at least 10% of closed loan production volume. It helps lenders identify defects, track remediation, and support agency compliance documentation and reporting.
Put a Second Set of AI-Powered Eyes on Every File
Talk to our team about where CLARAA fits into your fulfillment, QC, or due diligence workflow.