Stage Flow
Comes from
Pre-Approved — live deal trigger confirmed (offer accepted, condition date set)
To Be Submitted
Moves to
Underwriting + Submitted — file submitted to lender
Time-sensitive. Condition dates are typically tight — often 7–14 days. Move immediately when a file enters this stage. Do not delay on any step.
Steps
1
Update credit
D4-1
Pull updated credit if required since the initial review at App Rec'd. Confirm the credit profile is current before submission.
Underwriter
2
Send updated document checklist to client
D4-2
Send the client an updated document list covering any outstanding items — income verification, down payment confirmation, or anything else needed for submission.
Underwriter
3
Confirm offer and MLS on file
D4-3
Confirm the accepted offer and MLS listing are in the deal card in EP and are current. These are required for submission.
Underwriter
4
Complete submission notes
D4-4
Update the submission notes in EP with any new information since App Rec'd. Notes should already be in submission-ready format from the App Rec'd stage — update anything that has changed (income, employment, credit, deal structure).
Underwriter
5
Complete KYC
D4-5
Confirm Know Your Client (KYC) requirements are complete and documented in the deal card before submission.
Underwriter
6
Determine submission destination
D4-6
Conditional
Confirm the lender to submit to based on the rate hold and deal structure.
Lender selection
If rate hold lender is appropriate →
Submit to the lender from the rate hold on file.
If deal has changed or different lender preferred →
Discuss with Broker before submitting. Broker may adjust the lender selection based on deal structure changes.
UnderwriterBroker
7
Arrange pre-submission Broker call (if requested)
D4-7
Conditional
If the client or Broker requests a call to review the deal before submission, arrange that call before submitting.
Pre-submission call
If call requested →
Arrange the Broker call. Wait for the call to complete — Broker may make minor adjustments to the file. Then submit.
If no call needed →
Proceed directly to submission.
BrokerUnderwriter
8
Submit to lender — move card to Underwriting + Submitted
D4-8
Conditional
Submit the file to the lender using the appropriate method.
Submission method
If lender has a portal →
Use the lender portal. Do not email lender FSS inboxes or underwriting teams.
If ATB →
Email submission required — ATB has no portal.
After submission: move card to Underwriting + Submitted.
Underwriter
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Open Gaps
Deal type variations not yet documented (Refi, Switch/Transfer, New Build)
Lender-specific submission instructions not yet linked (see Lenders Index)
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