Overview
Stellar Innovations built CLARAA on Amazon Web Services (AWS) to reduce the manual effort involved in reviewing complex mortgage files while improving turnaround times, governance, and control over sensitive borrower information.
CLARAA is a configurable loan intelligence platform that classifies, extracts, reconciles, validates, and audits information throughout the loan lifecycle. By combining AI-powered automation with experienced human oversight, CLARAA helps mortgage teams focus on exceptions and decisions that require judgment rather than manually comparing hundreds or thousands of data points.
Results at a Glance
40% Reduction in mortgage review cycle time
90% Reduction in manual touchpoints
Human-in-the-Loop Experienced reviewers remain involved when further analysis or judgment is required
The Industry Challenge
Mortgage lending and title operations depend on large, complex document packages. A single mortgage file can contain hundreds of documents and thousands of data points that must be classified, reconciled, and validated against loan conditions and business rules.
These manual processes create several operational challenges:
- Lengthy document review and validation cycles
- Repetitive data entry and reconciliation
- Difficulty scaling quickly when mortgage volumes change
- Increased pressure on quality-control and underwriting teams
- The need to protect sensitive borrower information
- Greater demand for governance, traceability, and audit-ready results
When volumes increase, lenders and service providers must expand capacity without sacrificing quality or waiting for additional reviewers to be hired, trained, and brought to full productivity.
Stellar’s Solution: CLARAA
Stellar Innovations developed CLARAA as a configurable loan intelligence platform capable of supporting origination, fulfillment, underwriting, closing, due diligence, and post-closing quality control.
CLARAA moves mortgage packages through a structured workflow that includes:
- Document classification
- Data extraction
- Document and data reconciliation
- Rules-based validation
- Confidence scoring
- Exception identification
- Audit-ready reporting
The platform’s configurable rules engine evaluates loan information and returns an outcome for each rule. Results may include a pass, fail, referral for manual quality control, or a flag indicating that required documentation is missing. Confidence scoring helps determine when human review is needed, allowing experienced analysts to concentrate on exceptions and higher-value decisions.
“Running CLARAA on AWS lets underwriters focus on exception management instead of manually comparing hundreds or thousands of data points. The human stays in the loop, but they can be more productive.”
Steven Greenfield, CMB®, SVP – Mortgage Solutions, Stellar Innovations
Built on AWS for Scale, Flexibility, and Governance
CLARAA combines Stellar Innovations’ proprietary algorithms with AWS services and multiple foundation models selected for specific tasks.
The platform uses Amazon Textract and foundation models available through Amazon Bedrock, including Amazon Nova and open-weight models, to extract and process required loan information. Stellar continuously evaluates model performance, cost, and turnaround time as technologies and customer requirements evolve.
CLARAA operates within a private Amazon Virtual Private Cloud. Loan documents are stored in Amazon Simple Storage Service, while AWS Lambda microservices help orchestrate the workflow. Human reviewers can manage exceptions within the same controlled environment using Amazon WorkSpaces.
This architecture supports:
- Scalable document processing
- Model flexibility and ongoing optimization
- Secure handling of sensitive loan information
- Human review within the same technology environment
- Documented audit trails and decision traceability
CLARAA’s audit-ready design provides documented evidence of how information was processed and why an outcome was reached—an essential capability when mortgage decisions may be reviewed years later.
Business Impact
CLARAA is helping Stellar Innovations accelerate the review of complex mortgage files while reducing repetitive manual work. By surfacing exceptions and inconsistencies across a loan package, CLARAA allows analysts to move away from line-by-line comparisons and focus on the areas that require further review. When exceptions need correction, Stellar’s teams support a three-to-four-hour service-level agreement.
The broader business benefits include:
- Faster mortgage review and turnaround times
- Fewer manual data-entry and reconciliation tasks
- Greater operational scalability as volumes change
- More productive underwriting and quality-control teams
- Stronger exception management and risk visibility
- Traceable, audit-ready results
- Continued human oversight for decisions requiring judgment
“On AWS, we can continue evolving CLARAA as customer volumes and technology requirements change. We continually evaluate foundation models to optimize cost and turnaround time, while working with AWS as new models and capabilities become available.”
Ravindra Nag, Chief Automation Officer, Stellar Innovations
CLARAA is already being used in multiple forms by large lending and real estate organizations, including Fortune 500 companies. Use cases range from checking complete loan packages to extracting data and delivering it into loan origination systems.
Conclusion
CLARAA demonstrates how purpose-built AI can improve mortgage operations without removing experienced professionals from the process.
By combining intelligent document processing, configurable business rules, human oversight, and the scalable AWS environment, Stellar Innovations is helping lenders reduce manual work, improve turnaround times, and strengthen governance throughout the loan lifecycle.
Read the Full AWS Customer Case Study
For more information contact
Steven Greenfield, CMB
SVP – Mortgage Solutions
Stellar Innovations
Steven.Greenfield@stellaripl.com