Workflow · 02 of 03 · Condition rail

One rail. Seven states. Every move recorded.

Every mortgage condition moves through one rail: New, Missing, Requested, Received, Verified, Exception, Ready. Chain of custody is preserved at every hop.

Rail statesleft → right · always forward audit
01
New
02
Missing
03
Requested
04
Received
05
Verified
06
Exception
07
Ready
Examples

What a stalled condition actually looks like.

  • C-01Missing
    Missing pay stub

    Borrower has not uploaded the most recent paystub. Reminder cadence: 48h.

    Next routine action · Send reminder
  • C-02Exception
    Stale bank statement

    Statement on file is older than 60 days. Requires a refreshed copy before clearance.

    Next routine action · Request refresh
  • C-05Requested
    Appraisal update pending

    Appraiser is preparing a revised value after repair completion.

    Next routine action · Mark received
  • C-08Exception
    Tax return mismatch

    Schedule C income on transcript does not reconcile with stated income on application.

    Next routine action · Open review
Routine actions

One keystroke per condition.

Every routine move on the rail is a single action. Each action writes an audit entry with the operator, channel, and timestamp.

  • Send reminder
  • Mark received
  • Request refresh
  • Open review
  • Clear condition
  • Generate packet
  • Sync LOS
Audit log · file CR-2026-04827Tamper-evident
  • 04/22 09:42C-03Verified → Ready· System
  • 04/22 09:38C-04Received → Exception· System (rule: coverage threshold)
  • 04/22 09:30C-01Requested → Reminder sent· SMS
  • 04/21 17:08C-01Missing → Received· Borrower upload
  • 04/21 12:15C-03Received → Verified· Processor · K. Patel
  • 04/18 10:02C-00File opened· Loan officer · K. Patel

Ready to see the borrower side?