For mortgage lenders. Runs inside Encompass.
Application to clear-to-close, it collects, verifies, and files every borrower document inside your existing system. Part of one AI platform that also brings you the borrower.
See it work
Watch it fulfill a condition. Then try it yourself.
Clara collects the documents, verification checks them twice, and the condition goes back to the underwriter fulfilled. Click a file. Type an instruction. Approve the one item it will not decide alone.
Interactive demo. Use the suggested actions or type an instruction to the Clara agent, then approve the item it escalates to you.
4 are a borrower ask. The rest are internal or vendor work Clara tracks without touching the borrower.
A new underwriter condition: pay stubs, most recent 30 days.
auto tourWant it running on your files? Book a walkthrough.
Almost half of borrowers never submit a single document on their own. These files got worked anyway.
35
Conditions in a weekend
Thirty-five underwriter conditions cleared over a single weekend, work that normally takes about two weeks.
2 weeks
Suspended file to clear-to-close
A suspended file taken all the way to clear-to-close in two weeks, versus roughly a month by hand.
7 days
120+ flag file, cleared
A file with 120+ conditions and flags cleared in 7 days, vs ~25 typical, cutting 60 to 70 hours of manual work down to 8 to 10.
Real files from a live production deployment. Individual results vary by file and lender.
Trusted by teams at
The AI Processor runs the borrower-facing grind end to end, inside your system of record. The same platform also brings you the borrower with AI Ads + CRM.
AI Processor
Application to clear-to-close: it collects, verifies, authenticates, and files every borrower document, follows up automatically, and clears approval conditions, inside your system of record, with a human where it counts.
- Autonomous document collection
- Verification & authenticity checks
- Borrower comms + underwriter conditions
- Writes back to Encompass
35
underwriter conditions cleared in a single weekend
7 days
a 120+ flag file to clear, vs ~25 typical
AI Ads + CRM
AI-targeted ads and content fill the pipeline, every lead is qualified and auto-booked, and it all lands in one CRM command center.
Also from Loandock: the MLO Engine for accurate loan pricing and realtor sharing, a separate self-serve product on its own site.
Two AI services, one platform. Bring the borrower, then process them to close, all running inside the stack you already use.
Bring the borrower with AI ads that qualify and book.
AI generates and runs your video ads, then every lead is qualified the moment they opt in, auto-booked to your calendar, and tracked in a CRM that keeps the whole pipeline in one place.
- AI video ads built and launched for your market
- Instant qualification the moment a lead opts in
- Auto-booking straight to your calendar
- CRM that tracks every borrower in one pipeline
Generating: "2026 FHA Loan Requirements Explained"
Close it with processing that runs itself.
A borrower-facing assistant collects and verifies documents, tracks underwriter conditions, and keeps everything in sync inside Encompass.
- Borrower-facing document collection
- Automated document verification
- Underwriter conditions tracked and cleared
- Synced inside Encompass in real time
Hi Sarah, we need your last two pay stubs and your January bank statement to clear conditions. Upload them right here.
Just uploaded both. Anything else you need from me?
Got them and verified. Your file is updated in Encompass and your underwriter has what they need.
- Consolidated document request sent via SMSClara · 9:14 AM
- Uploaded pay_stubs_apr2024.pdfBorrower · 6:52 PM
- Wrong pay period caught, re-requested in plain EnglishClara · 6:53 PM
- Uploaded pay_stubs_may2025.pdfBorrower · 9:01 PM
- Verified twice and filed to the eFolderClara · 9:01 PM
- Approved. Condition marked fulfilled for the underwriterYou · 8:12 AM
The 6:52 PM to 9:01 PM stretch is the point. Nobody on your team was working. Clara was.
Three ways to modernize the loan lifecycle. Only one lives inside the stack you already run.
Point Tools
A tool for each step. None of them talk.
Lifecycle Coverage
Fits Your Stack
Single Source of Truth
AI Across the Workflow
Time to Value
Rip & Replace
Swap your stack. Months of migration first.
Lifecycle Coverage
Fits Your Stack
Single Source of Truth
AI Across the Workflow
Time to Value
Loandock
One AI platform, lead to close.
Lifecycle Coverage
Fits Your Stack
Single Source of Truth
AI Across the Workflow
Time to Value
100% refund. No questions asked.
If it doesn't work, you don't pay.
Give us your first 10 conditionally-approved files. If we don't take at least 8 to clear-to-close by their closing dates, your pilot fee is refunded in full.
See the full termsOne AI platform across the whole loan lifecycle, lead to close, inside the stack you already run.
35underwriter conditions cleared in a single weekend