Loandock and Candor
Loandock processes the file inside the systems you already run.
Loandock is an AI loan processor. Clara builds and pre-underwrites the file, submits it to the lender, works every condition that comes back, chasing whoever owes the next document. Candor offers underwriting technology and CandorPLUS, a fulfillment service that spans disclosures through closing.
The processing work
From contract to close
Clara does the work from contract to close. The underwriting decision stays with your underwriter.
Inside your LOS
Nothing to install
Clara works the screens your processors use and the lender portals they log into.
Follow-up
Title, insurance, the HOA, the employer, the payoff department
Clara works out who owes each item and follows up until it lands.
Follow one file from the package to the last condition
Check who builds the package, who pre-underwrites it, who submits it to the lender, and who marks the condition fulfilled in your LOS.
Where it starts
Loandock
Once the borrower is under contract. Clara builds the package and pre-underwrites the file before it goes to the lender.
Candor
Prequalification, underwriting and fulfillment offerings, depending on the product.
After underwriting
Loandock
Every condition worked from the request through resubmission. Your underwriter clears each one, and anything needing judgment goes to your processor with the evidence attached.
Candor
CandorPLUS describes fulfillment from disclosures through closing.
System of record
Loandock
Your LOS. Clara works there and in the lender portals your team already uses, on access your admin issues and can revoke.
Candor
Its FAQ describes Candor and lender conditions being added to the LOS.
Document follow-up
Loandock
Whoever owes the item: the borrower, title, insurance, the HOA, an employer, a payoff department. Every active file, nights and weekends included.
Candor
Not described on its site as of September 2026.
Document checks
Loandock
Checked the moment it lands: right type, right period, right person, all pages, readable. A wrong document goes back with the reason and gets asked for again.
Candor
Document processing and guideline eligibility analysis.
Work completed in the LOS
Loandock
The file submitted to the lender, the document filed to the condition it answers, and that condition set to fulfilled.
Candor
Its FAQ distinguishes system-handled Candor conditions from lender conditions that the underwriter reviews.
| What is being compared | Loandock | Candor |
|---|---|---|
| Where it starts | Once the borrower is under contract. Clara builds the package and pre-underwrites the file before it goes to the lender. | Prequalification, underwriting and fulfillment offerings, depending on the product. |
| After underwriting | Every condition worked from the request through resubmission. Your underwriter clears each one, and anything needing judgment goes to your processor with the evidence attached. | CandorPLUS describes fulfillment from disclosures through closing. |
| System of record | Your LOS. Clara works there and in the lender portals your team already uses, on access your admin issues and can revoke. | Its FAQ describes Candor and lender conditions being added to the LOS. |
| Document follow-up | Whoever owes the item: the borrower, title, insurance, the HOA, an employer, a payoff department. Every active file, nights and weekends included. | Not described on its site as of September 2026. |
| Document checks | Checked the moment it lands: right type, right period, right person, all pages, readable. A wrong document goes back with the reason and gets asked for again. | Document processing and guideline eligibility analysis. |
| Work completed in the LOS | The file submitted to the lender, the document filed to the condition it answers, and that condition set to fulfilled. | Its FAQ distinguishes system-handled Candor conditions from lender conditions that the underwriter reviews. |
The other company's column summarizes its published product scope. Loandock's column describes its current service. Confirm both in a demo.
Where Loandock fits
Loandock does the processing work inside the systems you already run, from the package through the last condition. It is priced per file, and your team keeps the judgment calls.
One file carrying 120-plus conditions and flags, worked start to finish in 7 days against the roughly 25 days that file would normally take; the document chasing on that file would have taken 60 to 70 hours by hand and took 8 to 10 hours.
Compare another option
Thirty minutes. See how Clara works a file, from the package she builds to the last condition.
Candor descriptions were reviewed at https://www.candortechnology.com/candorplusab7a0c2a and https://www.candortechnology.com/faq on September 6, 2026. Product capabilities change; confirm current details with the vendor.