Loan completeness check before Processing

How do we stop incomplete commercial real estate and TRID loan files from reaching Processing?

Put a hard gate in front of Processing. Callvu checks every submitted deal for the required fields and the required document types, matched by document type in the loan system, not by filename. A pass is written to the deal and it moves on; a fail goes back to the loan assistant as a list of what is missing, and the deal cannot move until the check passes. Live at Community Bank of Mississippi for commercial real estate and TRID loans.

Live at Community Bank of MississippiComplex: multi-party handoffsCallvu moves: chase and verify, write back

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Last updated November 6, 2026.

The problem today

Processing finds out what is missing after the deal arrives.

Today, without Callvu

A loan assistant submits a commercial real estate deal with the documents they have. Processing opens it a day or two later and finds no certificate of good standing, a title document that is not one of the accepted forms, a guarantor with no customer record, or a fee schedule with nothing in it. The deal goes back by email, the loan assistant chases the borrower, and the file sits in Processing's queue while it waits.

For a TRID loan the clocks do not wait. The Loan Estimate is due within three business days of the application, and a revised Loan Estimate is due within three business days of a changed circumstance. A file that bounces between two teams on email is where those deadlines slip.

Document checks by filename make it worse. A file called 'title.pdf' passes a filename check and fails the examiner. What Processing needs is the required document type present in the loan system, every time, before the deal is theirs.

How it runs

From the requestto the system of record.

A loan assistant submits a deal in the loan origination system. Callvu picks it up at submission, before Processing sees it.

Loan assistant: Submits the deal and resolves anything the check reports missing.
Processing: Receives only deals that passed the check.
Loan origination system: System of record for the deal, its fields and its documents. Callvu reads it and writes the result back to it.
Callvu: Runs the check, applies the TRID clocks, writes the pass or the failure notice, and keeps the Audit Trace.

Scope filter
Callvu classifies the deal. Only commercial real estate loans and TRID loans enter the check; everything else passes through to Processing unchanged.
Required fields
Every required field on the deal is read from the loan system and checked for a value. An empty required field is a fail, with the field named.
Required document types
Each required document is checked by its document type in the loan system, not by its filename. This is the chase and verify move: a document uploaded under the wrong type does not count, and the loan assistant is told what to chase.
Commercial real estate list
For a commercial real estate deal: a certificate of good standing, one accepted proof of entity authority, one accepted title proof, a customer record for the borrower and for each guarantor, at least one fee and at least one disbursement.
TRID clocks
For a TRID loan, the Loan Estimate clock (three business days from the application) and the changed-circumstance clock (three business days from the change) are tracked on the deal, so a file that is incomplete is never also a file nobody is timing.
Decide: pass or fail
A pass is written to the deal in the loan system (the write back move) and the deal can move to Processing. A fail stays out of Processing; the loan assistant gets a notice that lists exactly what is missing.
Resubmit and re-check
The loan assistant adds what was missing and resubmits. Callvu runs the same check again. Nothing is remembered as 'checked' from the previous attempt; the deal passes on its own evidence.

Where it ends: The deal reaches Processing with a pass written to it in the loan origination system. The rule behind each check is in the Decision Trace; every check result, pass and fail, is in the Audit Trace.

Runtime enforcement

What is enforcedwhile the work runs.

The regulations preloaded in Callvu Studio and the bank's own policies, applied as steps that run, not lines in a binder. A step that breaks a rule does not run, so a completed run was compliant.

Regulations

TRID (Regulation Z, 12 CFR 1026.19(e)): The Loan Estimate must be delivered or placed in the mail no later than the third business day after the creditor receives the application (the six pieces of information: name, income, Social Security number, property address, estimated value and loan amount). A revised Loan Estimate for a changed circumstance is due no later than three business days after the creditor receives the information that establishes the change, and no later than four business days before consummation.
Regulation B (ECOA, 12 CFR 1002.9): A creditor must notify the applicant of action taken within 30 days of receiving a completed application. An incomplete application is where that clock is most often missed; the completeness check is the point at which the file becomes complete on the record.

Company policies

Scope: the check applies to commercial real estate loans and TRID loans.
Hard gate: a deal cannot move to Processing until Callvu has written a pass to it in the loan origination system.
Documents count only when they are filed under the required document type in the loan system. A filename is never evidence.
The commercial real estate document list: certificate of good standing; one accepted proof of entity authority; one accepted title proof; a customer record for the borrower and for each guarantor; at least one fee and at least one disbursement.

Controls

Deterministic scope classification: the loan type decides whether the check runs, not the submitter.
Field-level completeness check against the required-field list for the loan type.
Document-type presence check, matched in the loan origination system.
The gate itself: no pass, no Processing. There is no override in the loan assistant's hands.
A failure notice that names every missing item, so the second submission is complete rather than closer.

Clocks and deadlines

Loan Estimate: Three business days from the application, for TRID loans.
Revised Loan Estimate: Three business days from the changed circumstance, and at least four business days before consummation.
Reg B notice of action: 30 days from the completed application.

Documents and checks

Certificate of good standing for the borrowing entity
Proof of entity authority (one accepted form, for example a resolution or an operating agreement extract)
Title proof (one accepted form)
Customer records for the borrower and each guarantor
At least one fee and at least one disbursement on the deal
For TRID loans, the Loan Estimate and any revised Loan Estimate, dated

In the Decision Trace

Why the deal entered the check (the loan type and the scope rule that matched).
Each required field and document type, the rule it came from, and the result.
The clocks that applied, their start dates and their due dates.
The pass or fail decision and what was written to the loan system.

In the Audit Trace

Every check run, with its time, the submitter and the deal.
What each failed check caught, so the history of a deal's gaps is kept even after they are fixed.
Every resubmission and its result.
The write of the pass to the deal in the loan origination system, with its time.

The handoff

Between the front doorand the back office.

The front door

The front door is internal: a loan assistant submitting a deal in the loan origination system. Nothing changes in how they work; Callvu reads the submission.

The back office

Processing only ever receives deals that carry a pass. The email loop between the two teams, and the time a file spent in the wrong queue, are gone.

The Decision Desk

There is no Decision Desk step in this process. The gate is deterministic: a deal passes or it does not, and a person fixes a fail by adding what was missing. Where a bank wants an exception path (for example, a credit officer waiving a document for a specific deal), that becomes a Decision Desk step with a named approver and shows in the Audit Trace.

Proof

Live at Community Bank of Mississippi.Published results only.

Each result is a published claim, with its code on agents.callvu.com, where its status, source and last verified date are kept.

At Community Bank of Mississippi, a commercial real estate deal cannot reach Processing until Callvu's completeness check passes: required fields and required document types, matched by document type.

BNK-19 · Self-asserted · verified 2026-11-02

Community Bank of Mississippi runs TRID loans on Callvu: the completeness check before Processing, the handoff between teams, and the TRID Loan Estimate and changed-circumstance clocks.

MTG-02 · Self-asserted · verified 2026-11-02

Community Bank of Mississippi reports zero rework on its live processes.

BNK-18 · Self-asserted · verified 2026-11-02

Community Bank of Mississippi runs three processes on Callvu: loan processing, lender-placed insurance exceptions and HR reviews.

BNK-11 · Self-asserted · verified 2026-11-02

Questions

What buyers ask next,answered plainly.

Why match documents by type and not by filename?

Because a filename proves nothing. The loan origination system has a document type for every required item; Callvu checks that a document is filed under that type. That is what an examiner checks too.

Can a loan assistant override the gate?

No. The deal moves to Processing only when Callvu has written a pass to it. If the bank wants an exception path, it is a Decision Desk step with a named approver, and the approval is in the Audit Trace.

Does this replace the loan origination system?

No. The loan origination system stays the system of record. Callvu reads the deal and its documents from it and writes the pass, or the failure, back to it.

What happens to the TRID clocks while a file is incomplete?

They keep running, which is the point. Callvu tracks the Loan Estimate and changed-circumstance clocks on the deal from the start, so an incomplete file is also a timed file, and the team sees the due date before it is missed.

How long does it take to go live?

Weeks. Callvu builds the check against the bank's own required-field list and document types, connects to the loan origination system, trains the team and stays through launch.

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