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Validate Loan Data. Strengthen MSR Acquisition Decisions.
AI-enabled due diligence and loan-level data validation for MSR buyers, sellers, and servicers.
CLARAA by Stellar Innovations automates document review, validates seller tape data against loan files, and identifies exceptions using configurable rules. Gain the visibility needed to evaluate MSR portfolios, support pricing decisions, and prepare for servicing transfers.
MSR Due Diligence Shouldn’t Depend on Manual Review
MSR transactions move quickly, but loan-level due diligence often relies on time-consuming document reviews and manual data comparisons.
Discrepancies between seller tapes and supporting documents, missing information, and inconsistent
file quality can create
unnecessary risk, delays, and additional costs.
CLARAA helps transform manual reviews into intelligent, exception-driven workflows,
giving your team greater visibility into the
data behind each loan.
Intelligent Loan Review. Actionable Results.
Document Classification & Inventory
Automatically classify, index, and organize mortgage documents while identifying missing, incomplete, or inconsistent files.
Data Validation & Exception Management
Extract critical loan data, reconcile it against seller tapes and supporting documents, and flag discrepancies using configurable acquisition criteria and deterministic rules.
Audit-Ready Reporting
Access traceable findings, supporting documentation, and exception reporting to help teams evaluate risk, prioritize reviews, and support acquisition decisions.
CLARAA Turns Loan Files into Actionable Intelligence
Five steps, one pass, full audit trail.
-
01
Ingest
Receive seller loan files in
any format. No
renaming, no separator
pages. -
02
Classify
Every page is identified
and stacked to your
required document set. -
03
Verify
Extracted data is
reconciled against the
tape and across
documents, then checked
against your rules. -
04
Review
Experienced Mortgage
Analysts work exceptions
to clearance with the
supporting pages
attached. -
05
Deliver
You receive the
cleared file set,
exception log, pool-
level summary, and a
complete audit trail.
AI reads. Rules decide. Your experts remain in control.
Supporting the MSR Transaction Lifecycle: Confidence at Every Stage
-
Pre-Bid
Evaluate loan-level data quality and identify potential risks before acquisition.
-
Post-Award
Validate loan files against acquisition criteria and investigate discrepancies.
-
Pre-Transfer
Identify data inconsistencies before servicing boarding.
-
Post-Transfer
Support exception resolution and follow-up review.
Making More Informed MSR Acquisition Decisions
Reduce manual review, uncover loan-level discrepancies, and gain greater confidence in the data behind your next MSR transaction.
Discover how CLARAA can support your due diligence process.
Most Common FAQS
Still have questions? Contact Us.
CLARAA by Stellar Innovations is an AI-enabled mortgage review platform that automates document classification, data extraction, and loan-level validation for mortgage servicing rights (MSR) due diligence. CLARAA compares seller tape data against supporting loan documents using configurable rules, identifying discrepancies and generating traceable exceptions to support acquisition, pricing, and servicing transfer decisions.
MSR buyers can use automated document intelligence to reconcile seller tape data against source loan documents. CLARAA classifies and indexes mortgage files, extracts relevant data fields, and compares them against the seller tape. Discrepancies are flagged as exceptions with supporting document references, allowing analysts to investigate inconsistencies before acquisition or servicing transfer.
MSR due diligence typically includes loan document inventory, seller tape validation, loan-level data reconciliation, credit and compliance review, trailing document reconciliation, and pre-boarding checks. CLARAA by Stellar Innovations supports automated document processing and exception identification using configurable review criteria, helping buyers evaluate loan file completeness, data accuracy, and potential acquisition risks.
Yes. MSR due diligence can include sample-based reviews, full-file reviews, or a combination of both. Buyers may review a representative sample before bidding to assess portfolio quality and conduct more comprehensive loan-level validation after acquisition. CLARAA supports both approaches, with workflows configured around the buyer’s acquisition criteria, transaction timeline, and risk requirements.