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Cloud Services

Ellie Mae, the leading cloud-based platform provider for the mortgage finance industry, recently announced that it has been recognized as one of HousingWire’s Tech100 winners for the sixth consecutive year.

The awards recognize the leading technology and software companies in the U.S. housing economy, spanning real estate, mortgage lending, mortgage servicing, and investments.

“These companies hold the most innovative and impactful technology in mortgage finance and continue to move markets forward with their new innovations,” said Kelsey Ramirez, HousingWire associate editor. “The future is bright for the mortgage industry, and it’s because these companies continue to push the edge of what is possible.”

HousingWire is a source of news and information for the U.S. mortgage and housing markets. Built on a foundation of independent and original journalism, HousingWire reaches over 50,000 newsletter subscribers and over 4 million unique visitors each year. Its audience consists of mortgage, real estate, financial services, and fintech professionals.

To be eligible for nomination to the Tech100 list, firms must offer technology or software for the residential mortgage lending, residential mortgage servicing, residential mortgage investments, or real estate industries. HousingWire editors scored each entry in order to compile the final list of 100 firms.

The winners were announced with the launch of the April issue of HW Magazine. In the article, Ellie Mae is recognized as the largest partner network in the industry with thousands of credit providers and title companies, service providers, and investors integrated into the Encompass platform.

Ellie Mae, which processes approximately 40% of U.S. loans through its Encompass Digital Lending Platform, also was recognized for its success in enabling lenders and investors to deliver a true digital experience across the entire workflow. The platform allows lenders to maximize the profit of every loan transaction and at the same time deliver a more efficient, more seamless experience for homebuyers.

As an Ellie Mae partner, Clarity Technologies is proud to provide its clients with implementation, training, and enhancements for various mortgage technologies, including Encompass.  Technology security remains one of our primary focuses, and we can also implement methods of communicating with borrowers and mortgage bank team members more efficiently.

With powerful digital mortgage capabilities, Ellie Mae and Clarity Technologies can help loan officers and mortgage bankers work smarter, safer, and faster.

“We’re honored that our commitment to improving our mortgage lending technology has led us to be recognized as one of HousingWire’s leading technology and software companies for the sixth consecutive year,” said Jonathan Corr, president and CEO of Ellie Mae. “We continue to push the industry towards a true digital mortgage solution offering, which aligns with our mission of automating everything automatable for the residential mortgage industry.”

What is a digital mortgage? Contact us at Clarity Technologies to learn more.


Cloud Services

According to a 2018 report from Virtustream and Forrester Consulting, 86 percent of more than 700 large companies revealed that they have a multi-cloud strategy in place.

“Multi-cloud” means using more than a single public cloud. Not to be confused with a hybrid cloud, a multi-cloud is the pairing of a private cloud and a public cloud (or multiple pairings).

For IT teams, this can present security concerns. Multiple clouds mean multiple attack surfaces. Expanding digital real estate means the potential for further cyber risks.

In traditional security networks, IT uses segmentation for containing threats. In a multiple cloud environment, segmenting threats is multiplied by the need to consistently segment applications, workflow, and data as they move across private and public cloud environments, according to a recent blog by Fortinet, one of Clarity’s technology partners. As data moves across clouds, the ability to apply segments is limited.

Visibility is another concern. That’s because while IT teams have the visibility into each cloud network through cloud-specific tools, they may not be able to detect or correlate threats across multiple clouds. Also, they cannot immediately assess the impact of a threat from one cloud to another.

Securing current complex and changing infrastructures requires a framework that allows all functions to communicate, collaborate, and coordinate between themselves. The framework supports the automation of every security operation, offering end-to-end visibility.

Here are Fortinet’s three important elements when planning a multi-cloud security strategy:

1. Security functionality and enforcement need to operate the same regardless of the environments in which they have been deployed. Security products should apply consistent enforcement and controls across clouds, and with the same features and functions used to protect the traditional network.

2. These products should be managed through a single pane of glass. They should offer the ability to automate operations across the entire security infrastructure through a single, central set of routines. This includes security policies, segment critical systems, workloads, and applications based on risk profiles. Also, tracking policies to support complex, multi-cloud workflows and applications and use them to investigate security events.

3. Any suite of threat detection, prevention, and mitigation tools need to seamlessly share security control information and together to address threats regardless of where they occur. This requires that they work together locally, and across all of the major public cloud infrastructures. Such cross-functional integration is essential if organizations expect to improve risk mitigation across multiple clouds.

Cloud computing has changed the archetype for IT professionals. Networks where protection is focused on preventing threats at the firewall door are not enough any longer. Cloud security must encompass the requirements of each cloud computing infrastructure, whether public, private, or hybrid, and weave them into a single, integrated security framework.

What is a digital mortgage? Contact us at Clarity Technologies to learn more.


Cloud Services
In honor of World Backup Day on March 31, now is the perfect time to think about whether or not your documents are safe and sound. Personal systems are one thing, but entire businesses need more advanced backup systems. Following are several types of documents and files that need to be backed up, just in case you are overlooking them. Doing so will protect you, your business, your borrowers, and your peace of mind.

7 Types of Documents and Files That Need to Be Backed Up

1. Photos

Whether you’re taking photos of houses on the market or your daughter’s dance recital, you should upload and back up photos that are on your mobile phone, tablet, and personal computer. You don’t want to lose the business opportunity or the precious memories.

2. Contacts

If you’re only storing information about your work-related contacts directly on your phone or other digital device, you could lose all of it in the blink of an eye. Losing the phone at a sporting event, dropping it into a lake, experiencing a power outage, getting hacked, or shattering the screen into hundreds of pieces after it takes a tumble down the stairs may be all it takes to lose those contacts for good. Be sure to back up your contacts, and remember to include your vendors’ information as well.

3. Passwords

In honor of World Backup Day, remember both professional and personal documents and files that need to be backed up.A long time ago, you were advised not to save passwords in places where other people could find them. That’s still true, of course, but there are numerous apps and other online resources that remember your passwords for you. Today, you get the best of both worlds: easy access to passwords along with enhanced protection.

4. Financial Documents

Loan officers complete transactions involving large sums of money on a daily basis. A significant mistake could wreak havoc on the transaction, your business, or even your personal life. Along with day-to-day work, documents and files that need to be backed up include budgets and audits.

5. Records of Transactions

In addition to financial documents, you should organize and save all files and documents related to mortgage transactions. You should hold these documents for at least three years, many of which you may be required to have by law. The eFolder tool within Encompass is an excellent resource to use to organize digital mortgage files.

6. Employee and Payroll Documents

From their biweekly direct deposits and their W-2 forms to the date of their hire, each employee has multiple documents on file. Digital systems, apps, and other programs enable you to track, save, and organize this important paperwork.

7. Changes to your business

If you update your website, you will want to have a back up record of the old site for reference. It’s usually not something you can do on your own, so ask one of our mortgage technology consultants how to do it.

Other changes to your business you will want to save include general rebranding, name changes, tax-related code updates, and changes to your products and services. In other words, save the “original recipes” for reference, for legal reasons, and for sentimental value.

Evaluate your Options

Thanks to modern technology, plenty of apps are already available on the market to help you. However, each mortgage loan business has different requirements, employees, vendors, and borrowers. You may need customized solutions to fit your needs just right. Contact one of our technology consultants to learn more.

Cloud Services

Ellie Mae, the leading cloud-based platform provider for the mortgage finance industry, announced the release of AllRegs Online early this year. The resource provides an updated and modernized interface, new features, compatibility with tablets, and more.

Ellie Mae, the leading cloud-based platform provider for the mortgage finance industry, announced the release of AllRegs Online.According to a press release by Ellie Mae, the updates are expected to drive efficiencies in the loan production process.

AllRegs Online enables lenders to manufacture loans knowing they meet the latest investor requirements or state and federal statutes. Its research tool is designed to be accessible to anyone in the loan process, including loan officers, operations personnel, underwriters, risk managers, quality control representatives, and marketing personnel.

“AllRegs has been in the business of providing a single trusted source for regulatory and investor information for 30 years, and this update continues our legacy of leadership,” Terri Davis, vice president of AllRegs by Ellie Mae, said in the release. “Lenders leveraging AllRegs Online benefit from time savings and improved loan profitability thanks to quick and easy access to specific investor guidelines, and the research and reference tools are centralized and easy to navigate. Loan quality is improved since the guessing is eliminated.”

According to the announcement, the new AllRegs Online includes:

  • • A centralized source of mortgage industry content, including compliance regulations, pending residential mortgage legislation, and single- and multi-family agency guidelines.
  • • The new homepage includes lists for recently viewed documents, favorites, and public notes with the ability to personalize views.
  • • Improved search functionality.
  • • A new floating toolbar that provides access to common tasks such as printing, emailing, and adding notes.
  • • New user administration functionality that provides administrators with the ability to add and remove users and create user groups with unique content permissions.

For more information about Ellie Mae tools that can help improve your mortgage loan processes, visit our Clarity Technologies website or call us at (480) 418-3428.

Contact us at Clarity Technologies for more information about Ellie Mae tools that can enhance your loan origination systems.


Clarity Technologies, Cloud Services, Form and Plugin Development

Mortgage banking is changing quickly, and it’s important for individuals in the industry to change with it – the right way.  Many mortgage bankers are struggling in this ever-changing landscape, but optimizing mortgage technology can help you keep up with the pace.

Examining your existing infrastructure expenses and negotiating new or replacement services is one step that can help you drastically lower costs. IMBs can save money and work more efficiently by implementing better technology while eliminating the technology they don’t need.

You see, you don’t have to have all the tools. What you do need to have are the tools that work best for you.

What Optimizing Mortgage Technology Might Mean for You


Optimizing mortgage technology could help you keep up with changes in the mortgage banking industry while saving money on technology infrastructure.Chances are that your business has been doing the same things for months, if not years. As a result, you’ve become accustomed to doing things the way they’ve always been done and are overlooking areas where you can work more efficiently in order to save time and money.

Having a mortgage technology consultant explore your systems will provide you with a fresh perspective. To help you identify areas that could be improved or unneeded options that can be eliminated, Clarity Technologies consultants will potentially examine your systems related to:


  • • VoIP: There have been many changes in phone systems over the past several years. If you haven’t updated yours in a while, there’s a good chance you’re using outdated systems or equipment you don’t need.


  • • Internet Connectivity: This is an area where you are likely spending more money than necessary. Over the years, you may have added options and tools but neglected to eliminate the ones that you are no longer using.


On the other hand, you could be using outdated technology that is more costly than necessary, simply because it’s more difficult to use than modern options.


Either way, using the right internet connectivity can help you save time and money, as well as reduce the stress associated with too much clutter in your workday.


  • • Disaster Recovery: Again, if you’re using outdated systems, you’re probably spending more than you have to.


However, if your disaster recovery systems are not up to par, it’s critical that you improve them, even if it means spending a little more for the option. It’s an expense that will pay for itself through added peace of mind and protection, as just one security breach can cost you thousands if not millions.


  • • Electricity: We’ll also determine how the electricity you use works with your technological systems and help you pinpoint areas where you can save money. It may be as simple as switching to LED lighting versus traditional lighting, or using wireless systems as opposed to wired systems.


Consider Your Options


So what’s the bottom line? You may be able to save 20 percent to 30 percent per month on your infrastructure expenses.


For now, all you would need to do is discuss this topic with one of our mortgage technology consultants. Our services for this type of analysis are completely free. Contact us today, and we’ll show you how optimizing mortgage technology can help you work more efficiently while saving money.

Contact us at Clarity Technologies for more information about this blog or for mortgage technology services.