Loandock and Tidalwave
Loandock builds the file, submits it, and finishes the conditions.
Loandock is an AI loan processor. From the moment the borrower is under contract, Clara builds and pre-underwrites the file, submits it to the lender, and works the conditions that come back. Tidalwave describes borrower assistance, document review, data entry and loan processing.
The LOS record
Filed where your underwriter looks
Clara files each accepted document against the condition it answers and marks that condition fulfilled.
Range
From contract to close
Clara builds the package, pre-underwrites the file, submits it, then works every condition through resubmission.
What your team keeps
Uncertain items go to your processor
A wrong document goes back with the reason. Unfamiliar documents go to your processor.
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.
Tidalwave
Borrower application assistance, data entry and document processing.
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.
Tidalwave
Document review and loan processing; confirm the condition workflow for your setup.
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.
Tidalwave
Describes automated application data entry and verification connections. Confirm the LOS integration scope.
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.
Tidalwave
Document requests and borrower communication. Confirm third-party follow-up.
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.
Tidalwave
Error detection, bank statement analysis and income or asset checks.
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.
Tidalwave
Not described on its site as of September 2026.
| What is being compared | Loandock | Tidalwave |
|---|---|---|
| Where it starts | Once the borrower is under contract. Clara builds the package and pre-underwrites the file before it goes to the lender. | Borrower application assistance, data entry and document processing. |
| 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. | Document review and loan processing; confirm the condition workflow for your setup. |
| 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. | Describes automated application data entry and verification connections. Confirm the LOS integration scope. |
| 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. | Document requests and borrower communication. Confirm third-party follow-up. |
| 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. | Error detection, bank statement analysis and income or asset checks. |
| 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. | Not described on its site as of September 2026. |
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 itself: the package built, the file pre-underwritten and submitted, every condition worked through resubmission.
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.
Tidalwave descriptions were reviewed at https://www.tidalwave.ai on September 6, 2026. Product capabilities change; confirm current details with the vendor.