A New Era in Home Equity Lending: CAPE Analytics and Clear Capital Join Forces

At CAPE Analytics, a Moody’s company, our mission is to bring clarity to the built environment through AI-powered property intelligence. Today, we are pleased to share the formalization of a strategic collaboration with Clear Capital, a company whose longstanding presence in real estate valuation and analytics, and recent launch into data solutions, has earned the trust of lenders and investors nationwide.

With this strategic collaboration, CAPE’s Automated Property Condition Report (aPCR) will be integrated into Clear Capital’s inspection cascade—a system designed to ensure 100% inspection coverage for home equity loans. The aPCR, which draws on high-resolution geospatial imagery and machine learning, offers a scalable, automated alternative to traditional property inspections. With coverage extending to 98% of U.S. residential properties, the aPCR enables lenders to make faster, more informed decisions.

The CAPE aPCR uses computer vision to assess geospatial imagery and extract critical information about property condition, characteristics, and location factors with a focus on attributes that influence property value and marketability. The information contained in the CAPE aPCR is collected in an objective, structured manner that is both consistent and refreshed throughout the year.

“CAPE Analytics selected Clear Capital for its deep relationships with the lending industry and its ability to deliver comprehensive property condition solutions nationwide,” said Sean Begley, Director of Business Development at CAPE Analytics “By integrating Clear Capital’s inspection platform with CAPE’s imagery-derived property intelligence, the relationship offers an end-to-end solution for lenders, secondary market investors, and ratings agencies.”

The implications for home equity lending are significant. In a market where lenders compete on time to close, the ability to deliver a condition report within hours rather than days is no longer a luxury—it is a competitive necessity. The aPCR is already being adopted across the home equity space, where same-day approvals are increasingly the benchmark.

Dan McAlister, Vice President of Product at Clear Capital, noted, “This collaboration with CAPE Analytics is about enabling lenders to close home equity loans in days rather than weeks. In addition, Clear Capital is plugged into the lending technology ecosystem, which allows us to increase accessibility to aPCRs without lenders needing to integrate with additional systems.”

For lenders seeking to further streamline their workflows, the aPCR can be paired with ClearAVM™, Clear Capital’s automated valuation model. This combination yields a fully automated evaluation that aligns with Interagency Appraisal and Evaluation Guidelines (IAEG) and FIRREA standards. The result is a more efficient and borrower-friendly lending process.

This collaboration reflects a broader shift in the industry toward data-driven, automated solutions that reduce friction and enhance certainty. By aligning our capabilities with Clear Capital’s infrastructure, CAPE Analytics is helping to establish a new standard for property condition assessment—one that is faster, more consistent, and better suited to the demands of modern lending.