Modern appraisal review presents a massive opportunity for lenders to improve efficiency, lower operational costs, and improve consistency across loan origination. Today, reviewers often spend over $50 in labor and 30+ minutes per file, frequently applying the same manual effort to every appraisal, regardless of actual risk level.
Traditional review tools often surface overwhelming amounts of raw data, leaving reviewers to determine what matters most on their own. As the industry prepares for increased data complexity under UAD 3.6 and manages ongoing repurchase risk, lenders need a more efficient way to identify which appraisals need attention, act on risk findings, and document review decisions.
That’s why we’re introducing AURA® Risk Navigator.
What is AURA Risk Navigator?
Rather than replacing human judgment, AURA Risk Navigator reduces busywork so reviewers can apply their expertise exactly where it’s needed most. It helps appraisal review teams quickly identify which appraisals need attention, act on prioritized risk findings, and document defensible review decisions all in one place.
AURA Risk Navigator is an interactive appraisal review workflow that turns AURA’s automated appraisal risk results into a clear, guided experience. Built on 20+ years of Clear Capital’s valuation expertise and data, it bridges the gap between automated risk analysis and reviewer action.
How AURA Risk Navigator helps teams move from risk results to review decisions
AURA Risk Navigator delivers value across three core areas:
1. Flag appraisals that need attention
AURA Risk Navigator uses automated appraisal risk results and pass/review decisions to show teams precisely where to focus their time. AURA can identify lower-risk appraisals that may not need manual review, while higher-risk files are flagged for deeper human review. By allowing lenders to streamline low-risk files and focus review time where it is actually needed, AURA Risk Navigator is designed to help reduce manual review effort and lower labor costs.
2. Guide reviewers through prioritized risk finding
Instead of leaving reviewers to sort through raw appraisal data on their own, AURA Risk Navigator gives them a structured starting point. It organizes risk categories, rule-level details, and prioritized risk findings into a guided review workflow. This reduces decision fatigue and keeps reviewer attention laser-focused on the specific findings that require action.
3. Document appraisal review decisions in one place
A clear review process depends on clear documentation. AURA Risk Navigator brings reviewer comments, rule clearing, revision requests, and review history into a single interface. The result is a centralized environment that makes it easy to capture how a decision was supported, creating a comprehensive proof of review which helps mitigate repurchase risk, meet audit requirements, and provide defensible underwriting evidence to investors.
Ready to reduce manual appraisal review effort?
By turning complex appraisal data into an efficient, guided workflow, AURA Risk Navigator helps mortgage lenders reduce manual review effort by controlling operational costs, improving review consistency, and supporting defensible, data-backed risk decisions. Whether you are reviewing loans prior to origination or evaluating risk across loan pools in capital markets, AURA Risk Navigator fits seamlessly into your operations directly through Clear Capital, through an integration with Encompass Partner Connect™, or via direct API.
Interested in learning more about using AURA Risk Navigator? Let’s chat! Fill out the form below, email business.development@clearcapital.com, or call 530.550.2525.