Clarifii
Clarifii is a US-based, Ohio-domiciled private professional services firm providing post-close mortgage loan review, compliance auditing, and securitization review services to mortgage lenders and securitization investors via a secure client portal and remote underwriting staff.
- Company typePrivate
- Founded2021
- Headquarters—
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Clarifii does
Clarifii LLC is a US-based, Ohio-domiciled private professional services firm that provides post-close mortgage loan review and due diligence services to mortgage lenders and securitization investors. Founded in 2021 and led by Jason Luttenberger (CEO and COO) and Earl Smith, the company operates a fully remote (work-from-home) model targeting banks, credit unions, independent mortgage lenders, and entities requiring third-party securitization reviews or SEC filing support.
Clarifii's core offering is a six-module suite of post-close loan services: credit and valuation review (independent loan-level review against investor and agency guidelines), compliance review (review against applicable laws), loan delivery and reporting (data validation tape management), third-party securitization reviews, securitization reporting and reliance letter preparation, and a secure client portal for document transfer, pipeline status visibility, and deficiency resolution. The technology layer centers on a secure client portal that centralizes loan files, data validation tapes, and reporting, with interactive deficiency resolution and real-time pipeline views. Underlying review work is performed by credentialed underwriters (minimum 3 years' experience) and quality control staff (minimum 5 years' experience), rather than automated systems.
The business model is B2B enterprise professional services with a variable, volume-sensitive pricing structure rather than fixed fees. Clarifii uses a direct sales-led GTM motion with 'Speak to an Expert' CTAs and customized review scopes, and tailors engagement terms to each client's business model and monthly volume fluctuations. Revenue is generated through professional service fees for loan-level reviews against investor, agency, and applicable-law requirements. The company is privately held, has 11-50 employees, has no disclosed funding rounds, and serves only the domestic US market.
Clarifii firmographics
Firmographics- Name
- Clarifii
- Legal name
- Clarifii LLC
- Website
- https://clarifii.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Clarifii is a US-based, Ohio-domiciled private professional services firm providing post-close mortgage loan review, compliance auditing, and securitization review services to mortgage lenders and securitization investors via a secure client portal and remote underwriting staff.
- Ownership category
- akta.pro rank
Clarifii industry classification
Industry- Product category
- Mortgage Due Diligence Services
- NAICS
- Other Activities Related to Credit Intermediation (52239), Other Activities Related to Credit Intermediation (522390)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Asset-Backed Securities (6189)
- akta.pro primary industry
- Loan Due Diligence, Collateral Review & Reps/Warrants Management (FSALAFAL)
- akta.pro secondary industry
- Collateralized Loan Obligations (CLO) (FSACACAC)
Keywords
Clarifii business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Mortgage Due Diligence Services: Clarifii provides post-close loan review services including credit and valuation review, compliance review, and loan delivery and reporting. Services are tailored to client requirements with variable pricing to accommodate volume fluctuations. Revenue is generated through professional service fees for loan-level reviews against investor, agency guidelines, and applicable laws.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Variable pricing model based on review scope and volume |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
Clarifii product offering
Product offeringCore offering
Clarifii provides post-close mortgage loan review and due diligence services for lenders and securitization investors. Its offerings include credit and valuation reviews, compliance reviews, loan delivery and reporting, and third-party securitization reviews, supported by a secure client portal that enables real-time pipeline visibility and interactive deficiency resolution. Services are delivered by an in-house underwriting and quality control team with customizable review scope and a variable cost model.
Product overview
Clarifii offers a unified mortgage post-close loan review platform consisting of six integrated services/modules. The core offerings include Credit and Valuation Review (loan-level review against investor and agency guidelines), Compliance Review (loan-level review against applicable laws), and Loan Delivery and Reporting (document and data validation tape management). These are complemented by Third-Party Securitization Reviews, a Secure Portal (for secure data transfer and reporting), and Securitization Services (SEC filing support). The platform enables customization of review scope to meet client requirements, with a variable cost model for fluctuating volumes.
Differentiator
Problem solved
Functional benefit
Products and services
- Credit and Valuation Review Independent loan-level review of closed mortgage loans against investor and agency guidelines, validating guidelines, key data points, and required loan documentation, with collaborative deficiency resolution for internal client or investor requirements.
- Compliance Review Loan-level audit of closed mortgage loans against applicable federal, state, and local laws and guidelines, advising clients of deficiencies and methods for correction where applicable.
- Loan Delivery and Reporting Obtains mortgage loan files and data validation tapes for review and produces reports that address deficiencies, offer insight into potential trends, and release results as curative items are reviewed.
- Third-Party Securitization Reviews Independent review concentrating all loan data in one place for testing and notification of potential problems, addressing errors early in the process and increasing bandwidth and efficiency in securitization transactions.
- Securitization Services Preparation of securitization reporting and reliance letters, along with necessary reporting, attestations, and certifications, to complete SEC filing requirements.
Quantifiable outcome
- Cost reduction and improved productivity for lenders who outsource mortgage post-closing services
Companies that use Clarifii
Customer profileSegments2 records
Ideal customer profiles2 records
Clarifii technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Clarifii partnerships and signals
Strategic signalScale indicators1 record
Recent moves4 records
Expansion highlights4 records
Clarifii competitors and assessment
Company assessmentBroad incumbents
- First American Mortgage Solutions: Provides title, closing, valuation, and default-related services including loan review components. A broad incumbent with adjacent due diligence and securitization-adjacent capabilities rather than a pure-play specialist like Clarifii.
- Stewart Lender Services: Division of Stewart Information Services offering title, closing, and post-closing services including due diligence. A broader incumbent with overlapping mortgage review capabilities beyond Clarifii's narrower focus.
- ICE Mortgage Technology (Black Knight): Largest mortgage technology provider with software, data, and analytics that touch loan QC and due diligence workflows. Competes indirectly by enabling in-house review and reducing demand for outsourced providers like Clarifii.
Emerging players
- QuestSoft: Provides mortgage compliance and QC software, including loan-level review automation. Niche overlap with Clarifii on compliance review, with a more software-led delivery model.
Direct peers
- Covius: Specialist in loan-level due diligence, servicing oversight, and securitization review services for mortgage lenders and investors. Closely comparable service stack to Clarifii's post-close review and securitization offerings.
- ComplianceEase: Specialist in mortgage compliance review and regulatory audits. Directly comparable to Clarifii's Compliance Review service line, serving a similar lender and investor base.
- SitusAMC (Situs): Largest independent provider of mortgage due diligence, securitization review, and loan-level analytics. Directly competes with Clarifii on credit/valuation review, compliance review, and securitization reporting for the same lender and investor client base.
- Richey May: Mortgage industry consulting and outsourced services firm with dedicated due diligence, QC, and securitization review practices. Comparable mid-sized professional services competitor to Clarifii.
- LoanLogics: Provides mortgage QC, loan review, and compliance audit technology and services. Competes with Clarifii in post-close credit and compliance review, particularly with technology-augmented delivery.
- Mortgage Connect LP: National provider of mortgage closing, post-closing, and due diligence services. Overlaps directly with Clarifii's post-close review and loan delivery/reporting services.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Clarifii social profiles
Digital presenceClarifii financial estimates
Financial estimateRevenue estimate
Valuation estimate
Clarifii leadership team
Management profileNumber of profiles
Profiles2 records
Clarifii funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Clarifii M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Clarifii
What does Clarifii do?
Clarifii provides post-close mortgage loan review and due diligence services for lenders and securitization investors. Its offerings include credit and valuation reviews, compliance reviews, loan delivery and reporting, and third-party securitization reviews, supported by a secure client portal that enables real-time pipeline visibility and interactive deficiency resolution. Services are delivered by an in-house underwriting and quality control team with customizable review scope and a variable cost model.
Is Clarifii a public or private company?
Clarifii is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Clarifii founded?
Clarifii was founded in 2021. It employs 11 to 50 people.
How does Clarifii make money?
One revenue line is on record: mortgage Due Diligence Services.
Who are Clarifii's main competitors?
Broad incumbents on record are First American Mortgage Solutions, Stewart Lender Services and ICE Mortgage Technology (Black Knight). QuestSoft is listed as an emerging player. Direct peers are Covius, ComplianceEase, SitusAMC (Situs), Richey May, LoanLogics and Mortgage Connect LP.
Does Clarifii have an API?
No public API is recorded for Clarifii.
What industry is Clarifii in?
Clarifii's product category is Mortgage Due Diligence Services. Its primary akta.pro industry code is FSALAFAL, Loan Due Diligence, Collateral Review & Reps/Warrants Management, with a secondary code of FSACACAC, Collateralized Loan Obligations (CLO). Its NAICS code is 52239 and its SIC code is 6162.