Mid-size independent brokerage. 60+ loan files per month. Manual condition clearing was the biggest bottleneck — 30–45 minutes per file before underwriting review even started.
Before DeepClerk, Marc Reyes's team at Pinnacle Home Loans spent 30–45 minutes per loan file manually building a conditions checklist, researching guideline citations, and writing condition letters. After — they review an auto-generated report in under 5 minutes and spend their time on decisions, not data gathering.
LO reviews 40–60 page file by hand. Checks pay stubs against W-2, reviews bank statements for large deposits, verifies employment dates.
Google search for FHA large deposit guidelines. Cross-references DU findings. Opens HUD 4000.1 to look up specific section. Writes condition by hand in LOS notes.
Writes individual conditions with what borrower needs to provide. No citations — just "provide statement." Conditionally format varies by LO.
Lo reviews own conditions, finds one was missing a required element, fixes it. Sends to processor to request docs from borrower.
Marc uploads the file to DeepClerk. No special format needed — the PDF as-is is processed. System confirms receipt.
DeepClerk extracts borrower data, credit profile, income, assets, and flags all conditions — with exact guideline citations (HUD 4000.1 II.A.4, VA Pamphlet 26-7, Fannie Mae Sells Guide).
Marc reviews the conditions list in 2 minutes. Flags one item DeepClerk missed (manual adjustment). Confirms remaining conditions are accurate and sends to processor.
Drop your loan file PDF — no formatting required. DeepClerk handles scanned and digitally-generated documents.
Borrower, credit score, DTI, LTV, employment, assets — all pulled from the file and cross-referenced against program guidelines.
Missing documents, items needing verification, and unverifiable items — all organized by program (FHA, VA, Conventional) with citations.
AI assists, you decide. Every finding includes the exact guideline section. Investor-ready format. Ready to send to processor.
"My underwriter was spending 45 minutes per file on condition research alone. With DeepClerk, he reviews the output in under 5 minutes and flags anything that needs a second look. We're processing more files with the same team."
"Every condition now includes the exact HUD or VA guideline section. When the file goes to underwriting, we can say 'this was verified per HUD 4000.1 II.A.4(b)' — that level of documentation is exactly what our investors expect."
"We used to have 2–3 day delays per file just from conditions going back and forth. DeepClerk catches the items upfront — large deposits, employment gaps, insurance gaps — so by the time we submit to underwriting, the file is actually clean."
Try DeepClerk on your own loan files. Your first 3 analyses are free — no credit card, no commitment. See what the conditions list looks like before you decide.
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