Stage Flow
Comes from
To Be Submitted — file submitted to lender
Underwriting + Submitted
Moves to
Commitment — lender issues conditional approval
Steps
1
Upload initial documents to lender portal
D5-1
Conditional
Upload all available documents to the lender.
Upload method
If lender has a portal →
Upload via lender portal. Do not email lender FSS inboxes or underwriting teams.
If ATB →
Email submission required — ATB has no portal.
Underwriter
2
Monitor 2-day lender follow-up activity
D5-2
A 2-day follow-up activity is automatically set by the system when the card enters this stage (configured by VP Operations). Do not set this manually — it will be a duplicate. Adjust timing if lender turnaround expectations differ.
Auto — activity set on card entry (VP Ops)
Underwriter
3
Order appraisal proactively
D5-3
If an appraisal will be required, order it now — do not wait for the appraisal condition to come back in the commitment. Getting ahead of the appraisal avoids delays when the commitment arrives.
Underwriter
4
Chase outstanding client documents
D5-4
If the client still has documents outstanding, continue following up during this stage to keep things moving on their side. Don't wait for the lender to ask — get documents in early.
Underwriter
5
Monitor for commitment — move card to Commitment
D5-5
Monitor the lender portal or inbox for the commitment (conditional approval). When the commitment arrives, move the card to Commitment to begin the next stage.
When commitment received: move card to Commitment.
Underwriter
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Open Gaps
Appraisal ordering process not documented
Lender-specific turnaround time reference not linked
Deal type variations not yet documented
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