Builder and project risk
X-RAY surfaces the risk in the builder and the project before you close.
AI analyzed · Human verified · Within two business hours
A phone call in the beginning is better than a lawsuit at the end. X-RAY reads the builder’s record and the project’s documents together and hands your team the findings, with the conditions to resolve them.
Builder acceptance
X-RAY Builder Analysis
Don’t let a builder’s past become your future liability. X-RAY reads the builder’s record and hands your team a recommendation. The decision is yours.
- Risk rating. Low, Medium, or High, with an Accept or Reject recommendation.
- Legal analysis. LexisNexis, OFAC, and Secretary of State on the entity and its principals.
- License review. License classification verified with the state board.
- Digital reputation and history. Questionnaire checked against public records, online reviews, and adverse media.
Builder AnalysisLow risk
LexisNexis · liens & judgmentsClear
Sanctions screeningClear
Secretary of StateActive
License · General contractorActive
Digital reputationNeutral to positive
RecommendationAccept
Construction project analysis
X-RAY Project Analysis
Confirm the numbers and the contract hold up before the first draw. X-RAY reads the budget, contract, plans, and appraisal together.
- Budget analysis. Each line mapped to a category and compared with national averages, plus front-loading and deposit checks.
- Contract analysis. Contract type, allowances, change orders, insurance, and exclusions flagged with a recommendation.
- Plan review. Plans checked against the appraisal and the budget for missing scopes of work.
- Special framing analysis. Framing cost per square foot against the matrix for the region and quality tier.
Project Analysis
RecommendationNot acceptable
From a lender
How Churchill Mortgage vets builders with X-RAY.
Churchill Mortgage on how X-RAY Builder Analysis helps its team catch risks that manual review misses.
Caught before closing.
Four findings from real X-RAY analyses.
Workers’ comp exemption contradicted
A builder filed a zero-employee workers’ comp exemption. X-RAY cross-referenced public digital footprints and found recent reviews praising the foreman’s active crew.
Finding: employee count on the exemption filing appears inconsistent with public evidence of an active crew.
$67,000 budget contradiction detected
A contract placed utility connection costs on the borrower, yet the budget allocated $67,000 for septic and well installation: a hidden double-funding risk.
Recommendation: obtain written clarification that the builder manages all utility installation for turnkey delivery.
20+ undisclosed liens found
A builder questionnaire declared zero open liabilities. X-RAY’s LexisNexis scan uncovered 20+ tax judgments and liens: a material pattern of financial distress.
Finding: material misrepresentation on questionnaire.
Critical state statutory deadline revealed
X-RAY flagged a Louisiana project requiring a No Work Affidavit within 4 business days of title recording, a deadline that protects mechanics lien priority.
Recommendation: coordinate No Work Affidavit filing with title prior to closing.
Questions lenders ask
What is X-RAY?
X-RAY is Land Gorilla’s pre-close analysis for construction loans. It reads the builder’s record and the project file together and surfaces the risks that lead to problem loans: an inexperienced or troubled contractor, a budget that can’t complete the build, or a contract that puts your lien position at risk. Each analysis is AI analyzed, human verified, and returned within two business hours.
What is builder acceptance, and how does X-RAY support it?
Builder acceptance is the lender’s decision to accept a contractor for a specific project. X-RAY Builder Analysis reviews licensing, legal history, sanctions screening, and digital reputation, then returns a Low, Medium, or High risk score with an Accept or Reject recommendation.
What does X-RAY Project Analysis flag?
Budget front-loading, not enough funds to complete, missing budget categories, line items over the cost matrix for the area, contract terms that shift risk to the lender, permit timelines that don’t support the completion date, and contracts signed before the state allows, which can void the lender’s first-lien position. Each finding comes with the loan conditions to resolve it.
Get started
See what X-RAY reveals.
In a demo, we’ll run a sample loan file through X-RAY, walk the Builder and Project Analyses, and show the conditions it returns.