Clear Capital vs ProxyPics

What the rubric says

Clear Capital and ProxyPics are both scored in Appraisal & Valuation. Clear Capital carries an overall of 4.8, ProxyPics an overall of 4. The widest gap between them is Integrations and ecosystem, at 1.7 of a point. That axis measures how well it reaches the rest of the stack. Clear Capital takes it, 4.9 to 3.2.

Where the five axes separate

On Integrations and ecosystem the record favours Clear Capital, 4.9 against 3.2. On Functionality and depth the record favours Clear Capital, 4.9 against 3.7. On Production impact the record favours Clear Capital, 5 against 4.2. On Return on spend the record favours Clear Capital, 4.5 against 4.3. On Adoption and support the record favours Clear Capital, 4.4 against 4.2.

In Appraisal & Valuation the rubric weights Production impact heaviest, at 30 percent. That is why the two overalls sit where they do.

How the weights turn axes into a score

Production impact carries 30 percent of the Appraisal & Valuation score. It measures whether the tool moves volume, pull-through or cycle time. Functionality and depth carries 15 percent of the Appraisal & Valuation score. It measures whether it handles the messy loans and not just the clean file. Integrations and ecosystem carries 15 percent of the Appraisal & Valuation score. It measures how well it reaches the rest of the stack. Adoption and support carries 15 percent of the Appraisal & Valuation score. It measures whether the team adopts it and gets unstuck. Return on spend carries 25 percent of the Appraisal & Valuation score. It measures what the spend returns, which is not the same as being cheap.

Pricing posture

Clear Capital does not publish pricing. Its listed model is quote only, priced per product and per transaction. ProxyPics does not publish pricing. Its listed model is quote only.

Deployment and who each one targets

Deployment for Clear Capital: Cloud and API, with mobile apps for field data capture. Deployment for ProxyPics: Cloud, with a collector mobile app and a white-label borrower self-inspection web app. Segment focus for Clear Capital: Lenders, servicers and secondary market buyers needing valuation, review and property data at scale. Segment focus for ProxyPics: Home equity and portfolio lenders, servicers and AMCs needing property condition data without a full appraisal. The two entries name different buyers.

What each record credits

Clear Capital: One supplier spans AVM, full and hybrid appraisal, review, inspection and bulk property data. Clear Capital: CubiCasa’s consumer-grade floor plan capture matters under UAD 3.6 property data rules. Clear Capital: Review products embedded in LenderX and AppraisalWorks, reachable through platforms you already run. Clear Capital: Restb.ai, acquired in 2026, adds computer vision on property imagery. ProxyPics: A collector network sized at 180,000 plus makes rural coverage and same-day turn possible. ProxyPics: ProxyPics Direct lets borrowers self-inspect under your branding, killing the scheduling negotiation. ProxyPics: Products map to lending uses: PCR with AVM, UPD, disaster inspections and 1004D evidence. ProxyPics: The Quantarium deal attaches the QVM valuation model, which equity lenders actually need.

What each record holds against them

Clear Capital: Ownership undisclosed, so no public read on investor pressure or exit timing. Clear Capital: Large catalog with opaque product naming lengthens the buying cycle. Clear Capital: MeridianLink is the only publicly named loan origination system integration. Clear Capital: All volume and speed claims, including 50 percent faster desktop, are self-reported. ProxyPics: No LOS integration is named, so ordering runs through a valuation platform or AMC. ProxyPics: Crowdsourced collectors are not licensed appraisers, limiting where output carries first-lien decisions. ProxyPics: Nothing is published on collector vetting or quality control, nor on rework rates. ProxyPics: Pricing is quote-only, and so are minimums and coverage guarantees.

Which one fits which shop

Best fit for Clear Capital: Lenders consolidating AVM, appraisal, review and property data onto one contract. Best fit for ProxyPics: Home equity desks that need verified property condition in hours instead of an appraisal in weeks.

What each entry concludes

Clear Capital: Clear Capital has built valuation technology since 2001 and now covers more ground than anyone else here. Clear Capital: ClearAVM, appraisal from full through desktop, BPO, the CDA review product, AURA scoring and Universal Data Collection all. Clear Capital: The CubiCasa floor plan app joined by acquisition in 2021. Clear Capital: It reports more than 6 million valuation transactions a month against a property database of over 3 billion. Clear Capital: Breadth decides it, since consolidating AVM, appraisal, review and data collection on one contract is something few rivals. ProxyPics: ProxyPics is a property data collection network, not a valuation platform. ProxyPics: Work goes to a pool the company sizes at 180,000 plus collectors, or to the borrower via. ProxyPics: Results come back as geolocated photos, View360 captures, floor plans and structured condition data. ProxyPics: Its natural home is home equity and portfolio lending, where the alternative is a drive-by or a full. ProxyPics: The January 2025 Quantarium partnership pairs the inspection with an AVM to produce a defensible number.

The short answer

Clear Capital finishes ahead on the published rubric, 4.8 to 4. The margin comes mostly from Integrations and ecosystem. Same rubric, same weights, no sponsorships.