Stare-and-compare QC for URLA. 100 fields, 30 documents, in one report.
Drop in a URLA (1003) and the borrower's source documents — W-2, paystubs, bank statements, tax returns, asset statements. URLA Compare cross-checks every borrower-stated field against its source line, flags discrepancies with severity, and produces a QC report that takes 2–4 hours of manual analyst time. Coming soon — early-access waitlist below.
No spam. We email you only when URLA Compare is live (target: Q4 2026) and once a quarter with a public progress note.
How it works
Upload your URLA + source docs
Drag URLA PDF and the supporting document set.
See every discrepancy
Field-by-field comparison with severity (Critical / Major / Minor) and the underwriting rule reference.
Download the QC report
Formatted for your QC binder, replayable for regulatory exam.
Five categories URLA Compare flags.
Income misstatement
Borrower-stated wages vs. W-2 Box 1, paystub YTD, tax return Schedule 1.
Asset sourcing & seasoning
Declared bank balance vs. actual statement, large deposit explanations, gift letter completeness.
Employment verification gaps
Declared employer vs. paystub employer, declared start date vs. tax return history.
Liability omissions
Declared monthly payments vs. credit report tradelines (cross-checked against URLA Section 6).
Property & appraisal mismatches
Declared address vs. appraisal subject property, declared value vs. AVM and appraisal.
Launch pricing — waitlist locked.
Single QC report. No account. Stripe Checkout one-click.
Unlimited reports. Email-only signup. For ops teams who do post-close QC weekly.
Comparison: $5K–$15K/mo for ACES-class enterprise QC, 6–12 week implementation. Waitlist members get the first 30 days free at the monthly tier and a permanent 20% discount on per-loan pricing.
Frequently Asked Questions
What documents are required?
URLA (1003), W-2, paystub, last 2 months bank statements, last 2 years tax returns, asset statements. Optional: gift letter, divorce decree, child support order.
How does it differ from ACES, MQMR, or LoanLogics?
Per-loan pricing instead of monthly enterprise contracts. Self-serve. No implementation. ACES-class for the long tail.
Is the comparison rule-based or AI-based?
Rule-based for the field-level comparison (deterministic, auditable). AI is used only for OCR/parsing of source documents; never in the math or judgment path.
What about privacy / PII?
Files processed in-memory, retained 24 hours for download access only, then deleted. SOC2 trajectory.
When does URLA Compare launch?
Target Q4 2026. Waitlist members get launch access at the lowest price tier and a free first report.
URLA Compare is built by Confer. If your team is ready to replace Encompass with an AI-native LOS, see the full platform → confersolutions.ai
Last Updated: April 27, 2026