Source-to-report evidence
Every result keeps its source, normalized fact, rule version, calculation, reviewer disposition, and report reference together.
Post-close mortgage quality control
Every closed file,
checked and explainable.
A complete review record for timing, document evidence, reconciliation, sampling, reverification, and reporting. Built for the person who must defend the conclusion later.
14 days · no card · reviewer-owned conclusions
References used in the recordRegulation ZFannie Mae D1-3MISMO 3.4UCD
The product
Less interface.
More evidence.
One traceable record replaces the folders, calculators, spreadsheets, inbox threads, and manual report assembly that make a review difficult to defend.
TRID timing, recomputed
ExactClose applies both business-day definitions, federal holidays, disclosure waits, fee sequencing, tolerance buckets, and rescission funding rules.
Structured data before AI
ULAD, UCD, and ULDD are parsed directly. Vision is reserved for transcription when a document has no dependable machine-readable source.
Sampling that can be repeated
Use seeded ten-percent or statistical selection, stratify the population, freeze membership, and preserve the cycle calculation.
Human conclusions, on record
Material findings require a rationale and disposition. The software never claims a reverification or lending decision occurred when it did not.
The method
One review loop,
with no missing handoffs.
Each stage leaves enough context for the next reviewer—and for the examiner who may see the file months later.
Load
Bring in the closed population
CSV for the population; MISMO, UCD, and ULDD for structured data; PDFs for source evidence.
Compute
Run cited deterministic checks
Timing, tolerance, completeness, and consistency checks expose their inputs and calculations.
Review
Work exceptions in context
Request reverifications, correct facts, attach notes, and disposition findings with a written rationale.
Prove
Freeze the review record
Generate hashed loan and cycle reports with document inventory, evidence, and rule provenance.
The practical difference
Affordable and defensible should not be opposites.
ExactClose gives smaller teams the control of an internal process without the fragility of a spreadsheet or the opacity of a file-by-file outsourcing queue.
Build your first reviewCapabilitySpreadsheetOutsourceExactClose
Calculation trailManualVariesIncluded
Reproducible samplingFragileOpaqueIncluded
Reviewer controlHighLowHigh
Cycle reportsManualDelayedImmediate
Time to startImmediateDaysMinutes
Security
NPI controls that exist in the product, not only in a sales deck.
Source documents and sensitive fields are encrypted separately. Full SSN and TIN stay out of structured extraction. Legal holds override deletion. Material workflows produce audit evidence.
- Minimize structured dataAI is limited to transcription from an allowlist and cannot create a compliance verdict.
- Make tenant boundaries explicitLoans, files, findings, reports, keys, exports, and downloads remain organization scoped.
- Enforce the data lifecycleRetention, confirmed deletion, legal hold, audit events, and backup operations are built in.
Pricing
Start small.
Keep the same standard.
Every plan uses the same rules engine, evidence model, and report format.
Review pack
$390 once
Ten reviews for seasonal volume or a focused backfile.
- 10 unique loan reviews
- 2 users
- Credits never expire
- Loan and cycle reports
Starter
$149 per month
For brokers and correspondent teams building a consistent QC rhythm.
- 50 unique reviews monthly
- 5 users
- Deterministic sampling
- CSV, XML, and PDF ingestion
Lender
$399 per month
For small IMBs, community banks, and credit unions.
- 200 unique reviews monthly
- 25 users
- Statistical sampling
- REST API and management reports
No setup fee · no annual contract · no card for trial · five full reviews included
Before you start
Questions a serious QC team should ask.
Does ExactClose make the compliance decision?+
No. It produces deterministic, cited findings and organizes the evidence. Your qualified reviewer owns every final disposition.
Can we start with spreadsheets or LOS exports?+
Yes. Import the closed population by CSV, attach MISMO, UCD, or ULDD XML and PDFs, then work each selected file in one evidence record.
What happens to borrower NPI?+
Files and sensitive fields are encrypted at rest. Structured extraction retains SSN and TIN last-four only, and tenant-owned queries are organization scoped.
Do we need an implementation project?+
No. Create a workspace, load a closed population, and run the first five full reviews during the trial. Your QC-plan settings remain under your control.
Make the review easier to run—and harder to question.
Five complete reviews. Every core workflow. No card.