Keep the complete QC cycle in one inspectable record.
Most QC failures are handoff failures. The population lives in one workbook, file evidence in shared folders, calculations in private sheets, rebuttals in email, and management reporting somewhere else. ExactClose keeps those stages connected without pretending that software replaces reviewer judgment.
| Stage | What ExactClose preserves | What remains accountable |
|---|---|---|
| Population | Import, reconciliation, channels, exclusions, and frozen version | The institution defines scope under its written plan |
| Selection | Method, strata, seed, parameters, timestamp, and membership | The QC owner approves the sampling policy |
| File review | Documents, facts, calculations, rules, findings, and citations | A qualified reviewer decides materiality and disposition |
| Cycle close | Counts, trends, reports, action owners, and closure evidence | Management approves corrective action and escalation |
Make sample selection reproducible before the first file opens.
Import every closed loan, reconcile the population, identify channels and exclusions, then run seeded ten-percent or statistical methods. The original population and selected membership stay available so another qualified person can recreate the result.
- Keep retail and third-party populations visible where the approved method requires it.
- Preserve selection inputs and the exact seed instead of retaining only a final count.
- Identify targeted reviews separately so they do not silently distort the random defect denominator.
Connect every preliminary result to its source evidence.
ExactClose indexes structured loan data before using document vision, inventories the file, retains page-level source context, and exposes the inputs behind deterministic checks. Reviewers can inspect the underlying fact instead of accepting an unexplained risk score.
TRID timing and waiting periods are recomputed from stored dates and calendars. Cross-document inconsistencies identify the compared values. Missing evidence remains missing until the file actually contains it.
- CSV, MISMO, UCD, ULDD, and PDF intake
- Page-linked evidence and missing-document state
- Deterministic calculations with rule provenance
- Written response, rationale, severity, and final disposition
Separate requests, responses, decisions, and reports.
A generated reverification letter is not a completed verification. ExactClose separates requested, received, verified, exception, and waived states, then connects the returned evidence to the reviewer’s conclusion.
Roles, scoped API access, sampling locks, activity history, and immutable report artifacts make material changes visible. Loan and cycle reports retain the cited evidence and rule provenance used when the report was produced.
Choose the operating model before you compare features.
| Choose ExactClose when | Choose a broader provider when |
|---|---|
| You run residential post-close QC with qualified internal reviewers. | You require a fully outsourced independent audit. |
| You need transparent pricing and a short path to the first completed file. | You need large pre-fund, servicing, or call-monitoring programs. |
| Your reviewer needs calculations, source pages, and rationale in one record. | You need bespoke enterprise implementation and consulting. |
| You want software rather than review labor hidden inside a platform fee. | You want the vendor to perform external reverifications or other services. |
Make every vendor prove the same six things.
- Reproducibility: recreate a finding from stored inputs, rule version, and source page.
- Sampling integrity: export the population, method, seed, parameters, and selected membership.
- Automation boundary: distinguish extraction, calculation, reviewer judgment, and third-party verification.
- Control model: test roles, review gates, scoped access, and durable activity history.
- Time to value: measure time to a completed real file, not a tailored demo.
- Total cost: price setup, term, usage, integrations, services, export, and termination.
Keep decisions human and evidence explicit.
Another qualified reviewer can reconstruct the sample, the evidence, the calculation, and the final conclusion without searching private spreadsheets or email.
Confirm requirements against current source material.
Requirements and vendor capabilities change. These sources were reviewed July 31, 2026. Confirm current source material, product scope, commercial terms, and your approved QC plan before changing a production process.
What mortgage teams usually ask.
What mortgage QC work does ExactClose automate?
ExactClose parses standard loan data, inventories documents, recomputes disclosure timing, flags cross-document inconsistencies, creates reproducible samples, manages findings and reverification evidence, and produces cited reports. A qualified reviewer still owns the conclusion.
Is ExactClose a mortgage quality control outsourcing company?
No. ExactClose is software for lenders and brokers running their own controlled review process. It can also organize evidence around work that must remain independent or be completed by an external provider.
How long does implementation take?
There is no enterprise implementation project for the standard workflow. Create a workspace, import a closed population, upload the first selected file, and run five complete reviews during the 14-day trial.
Does the software support post-closing QC sampling?
Yes. ExactClose preserves the population, method, parameters, seed, channel strata, and selected membership for random, ten-percent, and statistical workflows.
Can ExactClose integrate with our LOS or document system?
Teams can start with CSV, MISMO, UCD, ULDD, and PDF files. The Lender plan includes a scoped REST API, and supported systems can be connected through the integrations workspace.