ConditionRail starter documentation

A condition moves through a fixed set of states:

• received — condition pulled from LOS or added manually.
• parsed — document reader extracted text and metadata.
• matched — borrower upload linked to a condition with a citation.
• needs_review — low confidence, missing citation, or compliance-sensitive. A processor must confirm.
• cleared — processor or underwriter approved the match.
• packet_ready — included in the next underwriter packet export.
• escalated — decisioning or adverse-action risk; routed to an authorized underwriter and never auto-resolved.

High-confidence matches with a valid citation may auto-advance to cleared if the workspace enables it. All other paths require a human action, which is recorded in the audit log. Reopening a cleared condition returns it to needs_review and notifies the file owner.

• One signed link per condition. Single-use by default; rotatable.
• Accepted: PDF, JPG, PNG, HEIC. Max 25 MB per file, 10 files per request.
• Server-side virus scan and OCR on receipt. Failed scans surface a clear retry to the borrower.
• Retry states: network_dropped, scan_failed, ocr_low_confidence, wrong_document_type. Each has a borrower-facing message and a staff-facing reason.
• Reminders: email at 24h, SMS at 72h, escalated nudge at 5 days. Cadence is configurable.
• Staff see the upload, the parsed extract, the matched condition, and the citation in one view. Borrowers only see their own outstanding requests.

Supported systems and relationships:

• Default pull cadence: 5 minutes for active files, 1 hour for archived. Manual resync available.
• Conflict resolution: the LOS is authoritative for loan facts (borrower, property, amounts). ConditionRail is authoritative for condition state and clearance history.
• Field mapping is editable per workspace. Unmapped fields are surfaced rather than dropped.
• Dry-run mode previews every change before write-back. Useful for first connections.

An underwriter packet is a single, deterministic PDF containing:

1. Cover sheet with loan file, borrower(s), workspace, and export hash.
2. Condition index with state, source, and cleared-by.
3. Per-condition section: source document, page citation, cleared-by user, timestamp.
4. Chain-of-custody appendix listing every action on each condition.
5. Final-decision boundary footer reminding readers that ConditionRail does not underwrite, approve, or deny loans.

Prepared by ConditionRail for lender review. Final credit, compliance, underwriting, and adverse-action decisions remain with authorized lending staff. AI may classify, match, draft, and flag. It may not approve, deny, waive, or communicate a credit decision.

Export formats: PDF (default), ZIP of source documents with the index, and CSV of the condition index alone. Re-exports are versioned and logged.

Webhook events:

• Each request is signed with HMAC-SHA256 in the X-ConditionRail-Signature header. Verify before processing.
• Retry: exponential backoff at 1m, 5m, 30m, 2h, 6h; give up after 24h. All attempts are visible in the workspace log.
• REST API base: https://api.conditionrail.com/v1. Bearer-token auth. Rate limits returned in X-RateLimit-* headers.
• Per-endpoint reference is available to workspace admins from Settings → Developers.

When a direct LOS connector is unavailable, ConditionRail runs on CSV in both directions.

• Export: full condition state CSV at any time, or scheduled daily.
• Enterprise: scheduled CSV drop via SFTP, encrypted with your public key.
• All imports run through a dry-run preview before commit.