AI-driven collateral analyzer for UAD 2.6 and UAD 3.6. Detect risk, reduce repurchase exposure, and deliver confident decisions.
As the industry moves toward the mandatory November 2 UAD 3.6 deadline, having a tool that is built for the new format is essential. AURA was built to handle the increased granularity and technical complexity of modern appraisal reporting:
AURA is used by lenders, appraisal firms, and investors who can’t afford appraisal risk. Automate appraisal risk assessment, create operational efficiencies, and improve appraisal quality.
Origination
Automatically identify appraisals that require review and streamline low-risk loans with clear pass or review decisions.
Capital markets
Don’t let collateral risk cost you. Detect high-risk assets early to protect portfolio quality and improve pricing accuracy.
Review findings through a report-based experience or an interactive workflow:
A clear, downloadable summary report delivering an automated pass/review decision, risk score, and severity rating.
An interactive appraisal review workflow that helps reviewers identify which appraisals need attention, act on prioritized risk findings, request revisions when needed, and document review decisions in one place.
Whether delivered as an AURA Report PDF or accessed directly in AURA Risk Navigator, AURA provides immediate clarity backed by appraisal data, photo AI, local market insights, and more:
reduction in manual appraisal review effort
of appraisals are eligible for auto-approval
years of experience that powers AURA
Get a review decision fast. AURA aggregates all the data necessary to analyze appraisal risk. When an appraisal needs review, we handle the heavy lifting to enable quick decisions on next steps.
Increase capacity
AURA reduces manual appraisal review efforts by 50%. Streamline workflows by automatically approving 45%+ of eligible, low-risk appraisals with confidence.
Reduce valuation risk
Powered by Restb.ai’s computer vision technology, AURA automatically scans photos and data to validate subject and comparable condition and quality. By flagging discrepancies early, AURA catches valuation risks before they trigger repurchases.
Enhance reliability
Powered by 20+ years of QC expertise and appraisal data, AURA delivers a unified pass/review decision, risk score, and severity level.
Accelerate decisioning
AURA consolidates appraisal data, risk indicators, photos, and UCDP/EAD findings to enable quick, defensible decisions.
Effectively scale underwriting operations with consistent, defensible decisions.
AURA runs 100+ rules on each appraisal to review accuracy, risk, completeness, consistency, and more. Our rule set is honed using 20+ years of appraisal review expertise and real revision request data.
Our appraisal QC experts can help configure rules to meet your risk tolerances and guidelines. Adjust weights and thresholds so the right rules apply to your appraisals.
AURA automates over 100 quality control checks and consolidates appraisal data, risk indicators, and findings into a single report. This reduces manual review time, increases reviewer capacity, and guides teams through high-risk appraisals.
AURA identifies appraisal issues most likely to trigger repurchases such as adjustments and condition by applying advanced rules and AI-driven analysis. By surfacing these risks early, lenders and investors can take corrective action before loan delivery.
AURA is designed for mortgage lenders, appraisal management companies, and capital markets teams. It supports origination and secondary market workflows by improving appraisal quality, consistency, and risk visibility.
An AURA report includes a comprehensive risk score, pass or review decision, risk severity level, and supporting data such as appraisal details, photo analysis, and rule-based findings — all in a single, easy-to-review format.
AURA is built to evaluate appraisals against UAD 2.6 and 3.6 standards, helping lenders maintain compliance while scaling appraisal review operations and adapting to evolving industry requirements.
Yes. AURA offers configurable rule sets that can be adjusted based on your organization’s risk tolerance. Rule weights, thresholds, and conditions can be tailored to align with your underwriting and QC strategies.
By automating risk analysis and delivering a clear pass or review decision, AURA eliminates time spent manually reviewing low-risk appraisals. This accelerates decisioning, shortens turn times, and improves the borrower experience.
AURA results are delivered in flexible formats including PDF for easy review and JSON for seamless system integration — making it simple to operationalize appraisal risk insights within your existing processes. AURA can be ordered directly through Clear Capital’s Product Portal, integrated into your workflow via Encompass® by ICE Mortgage Technology, or requested through our sales team.
Our risk-based approach helps eliminate bias and ensures appraisals are properly valued while our data, review tools, and automation help you close loans faster.
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