Pre-release. We are designing the workflow with small lending teams.
Post-closing mortgage QC
that shows its work.
A reproducible path from the closed-loan population to an evidence-linked report, without an enterprise rollout. ExactClose is in development, and we are talking to small lending teams now.
Pre-release · no card · no obligation · we reply to every message
A complete, reproducible QC record, from closed population to signed report.
Document, timing, tolerance, reconciliation, and eligibility evidence.
Same source facts and rule version produce the same preliminary finding.
Sampling and self-employed income worksheets you can use today.
A finding without its source is another problem.
ExactClose separates extracted facts, deterministic calculations, and qualified reviewer judgment. Every preliminary finding retains its inputs, rule version, source page, and final disposition.
Review recordRiverside · loan 10482
Evidence completeClosing Disclosure timing recomputedCalculation and receipt dates preserved
ReadyCash to close reconciled to $18,442.17Compared to signed closing evidence
ReadyMissing income document surfacedReviewer action remains explicit
ReadyFlood status evidence retainedSource document hash retained
ReadyDeterministic checks
AI may transcribe allowed facts; fixed code performs calculations and comparisons.
Reviewer-owned outcomes
A qualified reviewer owns severity, exceptions, rationale, and final disposition.
Audit-ready evidence
Population, sample, review record, reverification status, and hashes stay connected.
From closed population to frozen QC cycle.
Import the population, lock a reproducible sample, assemble each file, work cited findings, record reverifications, and publish management-ready reports from the same evidence graph.
Load and sample
Import the closed population and preserve the random or statistical sample inputs.
Recompute and review
Index evidence, run deterministic checks, and send only bounded questions to the reviewer.
Dispose and report
Record rationale, complete reverification work, and freeze hashed loan and cycle reports.
Post-closing QC software for the complete review cycle.
ExactClose connects the operating controls that usually live in spreadsheets, shared drives, PDF checklists, email, and a final report. Each stage keeps the source evidence and the person responsible for the decision visible.
Closed-loan population and sampling
Import the eligible population, preserve exclusions, and freeze random, stratified, or statistical sample inputs so the selected file list can be reproduced.
Explore the workflowMortgage document review
Inventory supported PDF, MISMO, UCD, and XML evidence; retain document hashes, source pages, and bounded extraction confidence.
Explore the workflowTRID timing and reconciliation
Recompute the applicable business-day timelines and reconcile closing facts with visible inputs instead of a black-box pass or fail.
Explore the workflowMortgage defect management
Route cited preliminary findings to a qualified reviewer for confirmation, remediation, clearing, accepted risk, and written rationale.
Explore the workflowReverification workflow
Generate controlled requests and track pending, requested, received, verified, exception, and waived states without claiming external work occurred.
Explore the workflowLoan and cycle reporting
Generate encrypted, hashed loan-level and monthly cycle snapshots tied to the exact evidence, findings, and rule version used.
Explore the workflowBuilt for mortgage teams the enterprise tier leaves waiting.
ExactClose is intentionally focused on residential post-close quality control. It fits teams that need a defensible internal workflow now, while broader suites or external services may fit institutions that need many review types or added reviewer capacity.
Small mortgage lenders
Run an auditable monthly QC cycle without a long implementation, minimum annual contract, or per-file BPO queue.
See the fitCommunity banks and credit unions
Give internal audit, compliance, and mortgage operations the same cited record with role separation, retention controls, and reviewer ownership.
See the fitBrokers and correspondents
Catch missing evidence and disclosure inconsistencies before an investor review while preserving the source behind every question.
See the fitChoose the operating model, not the longest feature list.
Mortgage QC software, outsourced quality-control services, and enterprise suites solve different constraints. Compare who performs the review, how quickly the first file can run, what evidence comes back, and how cost behaves as monthly volume changes.
| Buying criterion | ExactClose software | Outsourced QC service | Enterprise suite |
|---|---|---|---|
| Best fit | Small teams running focused post-close QC internally | Teams buying external reviewer capacity or independence | Large institutions spanning many review types and systems |
| Start path | Intended to be self-serve with standard files | Scope, transfer, and provider onboarding | Discovery, configuration, integration, and rollout |
| Final judgment | Your authorized reviewer | The contracted reviewer under the agreed scope | Configured institutional users and workflows |
| Evidence returned | Population, sample, sources, calculations, dispositions, hashes | Depends on provider work product and contract | Depends on modules, implementation, and configuration |
| Commercial model | Not set yet. Tell us what would work for your team | Commonly per-file or scoped service fees | Commonly quote-led software and implementation |
Pricing is not set yet.
ExactClose is pre-release. We would rather hear what a monthly QC cycle costs your team today than publish a number we would have to change.
Small team
Talk to usunder 75 loans a month
- What your QC plan requires
- Where the hours go today
- What evidence you must produce
Lender
Talk to us75 to 300 loans a month
- The sampling method in use
- How reverification is handled
- The reporting management reads
Not sure yet
Talk to usany volume
- Bring one closed file
- Tell us what fails review
- No obligation and no card
Use your process, not our sales script.
Tell us how your QC cycle actually runs.
We are building this with small lending teams. Twenty minutes on where your monthly cycle breaks is worth more to us than a signup.Questions before the first file.
Does ExactClose make lending or compliance decisions?+
No. It organizes evidence and produces reproducible preliminary checks. A qualified reviewer owns every final disposition.
Does it replace the lender's written QC plan?+
No. The written QC plan remains the authority. ExactClose makes the configured workflow testable, repeatable, and auditable.
Can I use ExactClose today?+
Not yet. The product is in development. The guides, form references and calculators on this site are free to use now, and we are talking to lending teams about what the product has to do.
What file formats is it being built around?+
Standard mortgage XML, closed-loan CSV populations, and mortgage PDFs, because that is what a small lender can produce without an integration project.