The Full-File Underwriting Agent for Independent Mortgage Shops

Upload a loan file. Get FHA, VA, and conventional guideline checks + conditions in minutes. No enterprise contract. No implementation project. Just answers.

File Review: Johnson, M. — FHA 203(b)
Income — W-2s, 2 years paystubs
Cleared
Credit — 680 FICO, DTI 41.2%
Cleared
Appraisal — Value supported, no repairs
Cleared
Assets — Large deposit $4,200 unsourced
1 Condition
Title — Clear, no liens
Cleared
AUS — DU Approve/Eligible
Verified
Analysis complete in 4 minutes

100+ pages per file. Every guideline memorized. Every condition hand-written.

DE underwriters at independent shops spend hours per file doing the same compliance checks — cross-referencing HUD guidelines, calculating DTI thresholds, writing condition letters. The work is critical. It shouldn't be slow. DeepClerk handles the reading so you handle the decisions.

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Full-File Guideline Checking

Upload a complete loan file and DeepClerk reads every page — paystubs, W-2s, bank statements, tax returns, appraisals, title work, AUS findings — then checks every data point against current FHA, VA, and conventional guidelines. Nothing gets missed.

Automatic Condition Generation

Missing documents, unsourced deposits, employment gaps, LTV violations — DeepClerk identifies every condition and drafts investor-ready condition language with guideline citations (e.g., "HUD 4000.1 II.A.4"). You review and approve. The writing is done.

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Built for Independent Shops

Ocrolus, TurnKey, and Zest require enterprise contracts, minimum loan volumes, and months-long implementations. DeepClerk starts at $500/month. No contract. No onboarding project. Upload your first file today.

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Underwriter Enablement, Not Replacement

DeepClerk doesn't make the call — you do. It reads the file and surfaces every issue so your underwriter can focus on judgment and exceptions, not compliance paperwork. Same team, 2x the files per day.


Ocrolus scans. TurnKey originates.
DeepClerk underwrites.

Every competitor solves a different part of the mortgage stack. Only DeepClerk checks every guideline and generates conditions — the exact work your underwriters do manually today.

Ocrolus

Document Scanner

Extracts data from mortgage documents with high accuracy. Does not check FHA/VA guidelines. Condition generation just launched (April 2026) — unproven at scale. Usage-based pricing, enterprise only.

DeepClerk

Underwriting Agent

Reads complete loan files, checks every FHA, VA, and conventional guideline, and generates structured conditions with guideline citations. Built for independent shops. $500/month flat.

TurnKey / HES / Zest

LOS & Credit Decisioning

End-to-end lending platforms and credit scoring engines. Built for $1B+ enterprises with 50-loan minimums and $500K+ contracts. Not mortgage-specialized. No condition generation.

"Ocrolus is the scanner. DeepClerk is the underwriter."
8
Underwriting areas checked per file (income, credit, assets, property, title, insurance, AUS, employment)
<5 min
Average time from upload to full guideline review + conditions
3
Guideline sets covered — FHA (HUD 4000.1), VA (Pamphlet 26-7), Conventional (Fannie/Freddie)

Start free.
Upgrade when it's obvious.

Your first 3 analyses are on us. No credit card. See exactly what DeepClerk finds before you commit to anything.

Upload Your First File Free →

No credit card required  ·  3 free analyses  ·  Cancel anytime

Free
$0
3 analyses, no card needed
  • FHA, VA, Conventional checks
  • Condition generation
  • Guideline citations

Your first file is free. Upload it today.

Independent mortgage shops deserve the same automation national lenders have. DeepClerk closes that gap — without the enterprise contract.

Upload Your First File Free → ▶︎ See a Demo First