ClearGate replaces forged paystubs with direct, verified bank data. Automate Fair Housing–compliant decisions in under 90 seconds.
Manual processes are resource-heavy, prone to human error, and take 5-7 days per applicant. By the time you discover forged paystubs, you've lost valuable leasing time.
Estimated annual losses from unverified income and improper payments in the HCV program.
Average time spent validating documents, calculating thresholds, and auditing manually.
An estimated 1 in 5 property applications contain material misrepresentations or forged paystubs.
ClearGate's automated pipeline relies on unforgeable bank data to completely eliminate application fraud.
Eliminates fake pay stubs by extracting verified payroll data securely from the source.
Automates local housing threshold checks, mapping bank data to regional low-income limits.
A secondary AI evaluates the report for logical consistency and disparate impact.
Validates identity by matching PII against verified records held by their bank.
Removes the risk of forged documents by reading income straight from the source of truth.
Applicant data is vaulted via AES-256 encryption and only decrypted during evaluation.
A frictionless, mobile-first onboarding flow that lets applicants connect direct payroll streams securely and instantly.
Securely authenticate the session using instant SMS verification to ensure device ownership.
Access a trusted network of 11,000+ banks, credit unions, and direct payroll providers.
Applicants log in natively with their bank. You never see or store passwords.
Applicants retain total control over exactly which accounts are shared for screening.
Move beyond easily forged pay stubs. Our direct bank connection categorizes income automatically and extracts critical stability metrics.
Our model analyzes deposit history to flag outliers, determine transaction frequency, and extract 4 stability metrics:
Identify and classify diverse income streams instantly.
Salary • Unemployment • Cash • Gig Economy • Rental • Child Support • Military • Retirement
Six automated steps from submission to a verified eligibility outcome.
Applicant initiates process on the housing webapp. Backend initializes the secure financial connection.
Applicant connects their institution, extracting verified income securely.
System logs PII and financials to a secure, tokenized vault governed by privacy regulations.
Primary AI evaluates bank-verified income data against HUD AMI thresholds instantly.
Secondary Fairness Supervisor AI reviews the decision for disparate impact consistency.
Webapp displays compliant "Next Steps" if eligible, or generates a clear status notification.
Processed in 4.2 minutes
Zero protected-class data in screening decisions. Fully auditable AI logic.
Aligned with HUD Notice PIH 2018-18 and 24 CFR Part 982 requirements.
Enterprise-grade data security. All applicant PII encrypted at rest and in transit.
Complete documentation for every outcome, ready for HUD audits instantly.
Income Verification
Perfectly accurate directly from the source.
Average Screen
Fast 47-point verification completion.
Fewer Evictions
Significant drop in income-related filings.
FHA Violations
Fully bias-free, auditable decisions.
Everything you need to know about ClearGate and how we work.
Stop chasing paystubs. Start saving time.