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Learn how to navigate the pipeline, use the role and deal-type filters, read step reference codes, and leave feedback that the team can actually act on.
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Benchmark Mortgage
Process Documentation
Documented Partial Gap

Pipeline Overview

The full Benchmark mortgage lifecycle — from first contact through to post-funding and renewal. Click any stage to see its documented process. Use step reference codes when giving feedback.

Giving feedback? Quote the step reference — e.g. B2-RST-5 means Before phase, App Pending stage, Renewal/Switch/Transfer process, Step 5.
Before — Pre-pipeline triage
B1
Initial Contact
Receive, classify, and route every inquiry
Documented 3 steps
→
B2
App Pending
Intake, drip campaign, pre-UW gate
Partial 5 processes
→
B3
Doc Collection
File validated — underwriter reviews before App Rec'd
Documented 1 process
During — Active mortgage files
D1
App Rec'd
Credit, AML, client call, notes — docs handled upstream
Partial 2 processes
→
D2
Mortgage Options
Strategy call — every deal exits with a rate hold submitted
Partial 2 processes
→
D3
Pre-Approved
Rate hold on file — awaiting live deal trigger
Partial 1 process
→
D4
To Be Submitted
Live deal confirmed — finalize and submit immediately
Partial 1 process
→
D5
Underwriting + Submitted
With lender — portal uploads, appraisal, lender follow-up
Partial 1 process
→
D6
Commitment
Conditional approval — review, e-sign, chase conditions
Partial 1 process
→
D7
New Builds
Holding — pre-construction, extended timeline
Gap Variation
→
D8
FCT Close
Closing via FCT — split with Final Approved TBD ⚠
Gap
→
D9
Final Approved
Insurance, compliance, funding monitoring — handoff at funded
Partial 1 process
→
D10
Compliance
Compliance readiness before funded
Gap
After — Post-funded client lifecycle
A1
Funded
Deal complete — post-closing process begins
Documented 1 process
→
A2
Annual Review
Ongoing annual touchpoint — relationship maintenance
Partial 1 process
→
A3
Renewal Opportunity
12-month, 6-month, 90-day outreach before maturity
Documented 1 process
Post-funding timeline
Funded → 2–3 days → Closing Gift → 30 days → 1-Month Call → Annually → Annual Review → 8–12 months out from renewal → 12-Month Outreach → 6-Month Options Call → 90-Day Final Push
Outcomes from renewal outreach: ↩ Re-engages → Before / App Pending Deferred Opportunity Lost DNQ
Parked — Not linear. Can occur at any stage.
These are not pipeline stages — they are destinations a file can reach from any point in Before, During, or After. Every parked state has its own documented process.
DNQ
Does Not Qualify. Client handled with care — explanation and a realistic path to future qualification where possible.
Income Credit Equity
Deferred Opportunity
Client is interested but not ready. A re-engagement date or trigger is set. Relationship is maintained until they're ready to proceed.
Life event Timing Not ready
Lost
Client will not proceed. File is closed, outcome captured. Door is left open for future re-engagement.
Ghosted Renewed elsewhere Chose another broker No-go after options
Can be reached from: B1 Initial Contact · B2 App Pending · D2 Mortgage Options · D3–D10 Any During stage · A3 Renewal Opportunity — and anywhere in between where a client disengages or a deal falls through.

Step Reference System — How to Give Feedback

B2-RST-5 Before · App Pending · Renewal/Switch/Transfer process · Step 5
D1-NP-3 During · App Rec'd · New Purchase process · Step 3
A1-4 After · Funded · Step 4
PKD-DNQ-2 Outcome · DNQ · Step 2
Phase: B Before · D During · A After · PKD Parked
Process: NP New Purchase · RST Renewal/Switch/Transfer · RF Refinance · PR Pre-Approval · IR Info Request
After phase and Parked states: step number only — no process code needed