Clear Capital
- Company typePrivate
- Founded2001
- HeadquartersTruckee, United States
- Headcount501–1,000
- GTM typeB2B
- OfferingSoftware
Clear Capital firmographics
Firmographics- Name
- Clear Capital
- Legal name
- ClearCapital.com, LLC
- Website
- http://www.clearcapital.com
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Ownership category
- akta.pro rank
Where Clear Capital is headquartered
LocationHeadquarters
- HQ city
- Truckee
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Clear Capital business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Valuation and Appraisal Services: Transaction-based revenue from valuation services including traditional appraisals, hybrid appraisals, desktop appraisals, and automated valuation models. Company processes 6+ million valuation transactions per month.
- API and Data Services: Revenue from Property Analytics API and Property Valuation API subscriptions providing access to valuation analytics, property data, and integration capabilities
- Data Products: Data-as-a-Service offerings through PropertyNova including Tax Assessment Data, Recorder Deed Data, Mortgage Data, and bulk file data products
- Collateral Review Services: CDA (Collateral Desktop Analysis) and AURA appraisal risk analysis services provided on a per-order basis
- Broker Price Opinions: Residential and commercial BPO services for origination, servicing, and investment purposes
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Residential Broker Price Opinion - Cost-effective alternative to appraisals |
| Unit Pricing | Pay-as-you-go | Universal Data Collection - Property data collection service |
| Unit Pricing | Pay-as-you-go | Hybrid Appraisal - FIRREA and GSE-compliant bifurcated appraisal |
| Unit Pricing | Pay-as-you-go | Desktop Appraisal - GSE-compliant 1004 Desktop/70D appraisal |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels8 records
Clear Capital product offering
Product offeringCore offering
Clear Capital is a real estate valuation technology company that operates an AI-driven property intelligence platform for the mortgage and lending industries. It delivers automated valuation models (AVMs), modern appraisal products (traditional, hybrid, desktop, flex), broker price opinions, collateral risk analysis, and property data products through APIs, integration with loan origination systems, and direct enterprise channels, processing 6+ million valuation transactions per month.
Product overview
Clear Capital is a real estate valuation technology company offering a comprehensive, end-to-end platform for property valuation, analytics, and collateral risk assessment across the mortgage lifecycle. The platform comprises three core pillars: (1) Valuations including Traditional, Hybrid, and Desktop Appraisals, Flex Appraisal, Broker Price Opinions, and Residential/Commercial Evaluations; (2) Analytics including ClearAVM (lending-grade AVM), Property Analytics API, Rental AVM, ClearProp interactive valuation tool, and Home Data Index market data; and (3) Appraisal Risk solutions including AURA AI-driven collateral analyzer, Collateral Desktop Analysis, and Value Reconciliations. Supporting these are PropertyNova data products (Tax Assessment, Recorder Deed, Mortgage Data), Universal Data Collection for GSE modernization programs, and acquired technology including CubiCasa floor plan app and Restb.ai computer vision. Clear Capital supports mortgage origination, home equity, servicing, capital markets, GSEs, insurance, PropTech, and FinTech segments with API-first integration capabilities.
Differentiator
Problem solved
Functional benefit
Brands
- ClearAVM: Industry-leading, lending-grade automated valuation model (AVM) providing accurate, instant property valuations with nationwide coverage.
- ClearProp
- CubiCasa
- AURA
- Home Data Index (HDI)
- Universal Data Collection (UDC)
- Rental AVM
- Collateral Desktop Analysis (CDA)
- PropertyNova
Products and services
- ClearAVM Lending-grade automated valuation model providing accurate, instant property valuations with nationwide coverage of 120M+ residential properties for mortgage lenders, investors, and capital markets teams.
- Property Analytics API RESTful API delivering automated valuations, market trends, comparables, and property insights for integration into lenders', investors', and capital markets systems.
- Rental AVM Automated valuation model providing instant monthly market rent estimates for individual addresses using the modeling framework behind ClearAVM, with national coverage of 85 million rental estimates.
- ClearProp Interactive property analysis and valuation tool with nationwide coverage enabling quick, comprehensive property value conclusions, powered by ClearAVM and ClearRank.
- Property Valuation API RESTful API providing access to a full suite of modern valuation products enabling fully supported integration with any order management or loan origination system.
- Traditional Appraisal Defensible UAD 2.6 and UAD 3.6 appraisal reports backed by layered quality control, 50-state AMC coverage, and over 25 years of valuation experience for mortgage lenders.
- Hybrid Appraisal FIRREA and GSE-compliant 1004 Hybrid/70H appraisal delivering reliable opinion of value up to 50% faster than traditional appraisals, powered by CubiCasa and Universal Data Collection.
- Desktop Appraisal GSE-compliant 1004 Desktop/70D residential appraisal with floor plan certainty, ANSI-aligned digital GLA measurements, and pricing that is 50% faster than traditional appraisals.
- Flex Appraisal Limited-scope appraisal completed by a licensed appraiser that accelerates underwriting, reduces costs, and strengthens collateral confidence for lenders.
- Residential Broker Price Opinion (BPO) Data-rich valuation alternative to traditional appraisals for servicing, origination, and investments, providing clear property understanding for confident investment decisions.
- Commercial Broker Price Opinion (BPO) Cost-effective valuation analysis for commercial properties with robust analysis in readable format, completed up to four times faster than traditional commercial appraisals.
- Residential Evaluation FIRREA and IAEG-compliant evaluation suited for originating loans on residential transactions less than $400,000, including HELOCs, offering cost-efficient lending flexibility with three layers of quality assurance.
- Commercial Evaluation IAEG-compliant solution for commercial properties and loans valued at less than $500,000, fully compliant with regulations in all 50 states.
- Property Condition Inspection (PCI) Rapid property condition update with a PCI Risk Summary Report visually highlighting factors that could influence marketability, paired with ClearAVM for FIRREA-compliant evaluation.
- Post Disaster Inspection (PDI) Estimates damages and repair costs for residential and commercial properties after floods, fires, hurricanes, tornadoes, and other disasters, with report turn times as short as two days.
- Automated Property Condition Report (aPCR) AI-powered property condition insights from aerial imagery covering 98% of U.S. residential properties, including roof condition, occupancy, and location factors, offered in partnership with CAPE Analytics.
- Collateral Desktop Analysis (CDA) Comprehensive appraisal review and analysis by a state-licensed appraiser that removes pre-funding uncertainty and supports post-funding due diligence for lenders.
- Value Reconciliation Provides clarity and confidence around multiple value opinions with a single source of truth, delivered by experienced licensed independent appraisers with standardized written narratives.
- AURA AI-driven collateral analyzer that automates over 100 quality control checks and delivers a unified risk score, severity level, and pass/review decision for UAD 2.6 and UAD 3.6 appraisals, reducing manual review effort by 50% and auto-approving 35% of appraisals.
- Universal Data Collection (UDC) Property data collection service supporting Fannie Mae's Value Acceptance + Property Data and Freddie Mac's ACE+ PDR, delivering the Uniform Property Dataset (UPD) with 97% nationwide coverage.
- CubiCasa Mobile technology that creates automated floor plan sketches in approximately 5 minutes and minimizes inconsistencies in property data collection and inspection. Acquired by Clear Capital in September 2021.
- Home Data Index (HDI) Market data product calculating home price trends from any effective date with multiple index models, repeat sales, and price-per-square-foot analysis, refreshed multiple times per month.
- Tax Assessment Data Property data product providing current and historical tax assessment information including ownership, characteristics, land use, building details, tax data, and valuation metrics, delivered through PropertyNova.
- Recorder Deed Data Property data product providing ownership and transaction history, recording details, tax and sales price data, and derived insights for residential properties sourced from county recorder's offices.
- Mortgage Data Property data product providing current and historical property financing status as recorded in county public recorders and municipal offices, including mortgage details, pre-foreclosure information, and assignment/release data, delivered through PropertyNova.
- PropertyNova Data-as-a-Service platform offering comprehensive property data products including Tax Assessment Data, Recorder Deed Data, Mortgage Data, ClearAVM Bulk Files, and HDI Bulk Files, with standardized delivery and dedicated support.
Quantifiable outcome
- 50% reduction in manual appraisal review effort with AURA
- +7 more outcomes
Companies that use Clear Capital
Customer profileNamed customers3 records
Segments10 records
Ideal customer profiles6 records
Clear Capital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability8 records
Feature8 records
Clear Capital partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- Restb.aicoreClear Capital acquired Restb.ai, a Barcelona-based AI company specializing in computer vision for property analysis. The acquisition integrates Restb.ai's image recognition technology with Clear Capital's portfolio including CubiCasa.
- ICE Mortgage TechnologycoreClear Capital's AURA AI-driven collateral analyzer is integrated with ICE Mortgage Technology's Encompass platform Automated Service Ordering (ASO) feature, enabling lenders to automatically trigger collateral analysis within existing workflows.
- CAPE AnalyticscoreClear Capital and CAPE Analytics partnered to deploy automated Property Condition Reports (aPCR) using high-resolution aerial imagery and machine learning to assess properties across the U.S., expediting home equity loan approvals.
- CubiCasacoreClear Capital acquired CubiCasa, a Finland-based proptech startup, to modernize appraisals through mobile technology for automating property data collection and floor plan creation. CubiCasa continues operations independently.
- Fannie MaecoreClear Capital supports Fannie Mae's Value Acceptance + Property Data program and delivers appraisals compliant with UAD 3.6 standards.
- Freddie MaccoreClear Capital supports Freddie Mac's ACE+ PDR solution and integrates with their bACE API for seamless data submission.
Scale indicators20 records
Recent moves5 records
Expansion highlights7 records
Clear Capital competitors and assessment
Company assessmentMarket position
Competitive moat6 records
Customer concentration
Clear Capital social profiles
Digital presenceClear Capital compliance and trust
Trust signalCompliance7 records
Clear Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Clear Capital leadership team
Management profileNumber of profiles
Profiles2 records
Clear Capital subsidiaries and ownership
Company hierarchySubsidiaries3 records
Clear Capital funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Clear Capital M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Clear Capital
What does Clear Capital do?
Clear Capital is a real estate valuation technology company that operates an AI-driven property intelligence platform for the mortgage and lending industries. It delivers automated valuation models (AVMs), modern appraisal products (traditional, hybrid, desktop, flex), broker price opinions, collateral risk analysis, and property data products through APIs, integration with loan origination systems, and direct enterprise channels, processing 6+ million valuation transactions per month.
Is Clear Capital a public or private company?
Clear Capital is a private company. It is classified as private equity controlled and is currently operating.
When was Clear Capital founded?
Clear Capital was founded in 2001. It employs 501 to 1,000 people.
Where is Clear Capital based?
Clear Capital is headquartered in Truckee, United States, in the North America region.
How does Clear Capital make money?
Five revenue lines are on record. Valuation and Appraisal Services are the primary driver. The others are API and Data Services, data Products, collateral Review Services and broker Price Opinions.
Does Clear Capital have an API?
Yes. Clear Capital offers two primary API products: Property Analytics API delivers automated valuations, market trends, comparables, and property insights through a single flexible integration for lenders, investors, and capital markets teams; Property Valuation API provides easy access to a full suite of modern valuation products enabling integration with any order management or loan origination system. Both APIs feature RESTful design with well-documented endpoints, secure encrypted data transmission, system-to-system authentication and authorization, and automated fulfillment milestone events for real-time status updates. Results are delivered in JSON format with PDF options available. Developer documentation is at docs.api.clearcapital.com/introduction#introduction.