Home lending

Starts from the website, loan officer, broker or an AI agent; borrower answers only what is missing from prefilled data; the application is written to the LOS.

Parties: Borrower, Co-borrower, Loan officer, Broker. Rules: TILA-RESPA; ECOA (Reg B); HMDA. Callvu moves: prefill, chase and verify, write back.

An AI agent starts the application; sensitive data moves to a secure screen; income and insurance are verified and the file lands in the loan team's queue.

Parties: Borrower, AI agent, Loan officer, Processor. Rules: ECOA (Reg B); GLBA. Callvu moves: prefill, chase and verify, write back.

Borrower submits income, assets and debts online or by phone; the request is checked for required fields and written to the LOS for the loan officer.

Parties: Borrower, Loan officer. Callvu moves: prefill, write back.

Borrower gives credit pull consent and supporting documents; the file is checked for completeness before the preapproval decision is recorded.

Parties: Borrower, Loan officer, Underwriter. Rules: FCRA; ECOA (Reg B). Callvu moves: prefill, chase and verify, decide, write back.

Borrower authorizes the credit pull on a secure screen; consent and timestamp are written to the loan file before the pull runs.

Parties: Borrower, Loan officer. Rules: FCRA. Callvu moves: chase and verify, write back.

Borrower is asked the demographic questions in the required form; answers or refusals are recorded for HMDA reporting.

Parties: Borrower, Loan officer. Rules: HMDA (Reg C); ECOA (Reg B). Callvu moves: prefill, write back.

Borrower gives consent to electronic delivery before any disclosure is sent; consent is recorded with date and method.

Parties: Borrower. Rules: E-SIGN Act. Callvu moves: chase and verify, write back.

Loan officer requests a lock; pricing, lock period and terms are confirmed with the borrower and written to the LOS and the secondary desk.

Parties: Borrower, Loan officer, Secondary marketing. Rules: TRID. Callvu moves: prefill, decide, write back.

An expiring lock triggers an extension or relock request; cost and approval are decided and the changed terms flow into a revised disclosure if required.

Parties: Loan officer, Secondary marketing, Borrower. Rules: TRID. Callvu moves: classify, decide, write back.

After the Loan Estimate is delivered, the borrower states intent to proceed on a secure screen; the date is recorded before fees are collected.

Parties: Borrower, Loan officer. Rules: TRID. Callvu moves: chase and verify, write back. Use case and claims

Applications and servicing requests run end to end under local lending rules configured as policies, ending in the bank's systems.

Parties: Borrower, Banker, Back office. Callvu moves: prefill, chase and verify, decide, write back. Use case and claims

The Loan Estimate is prefilled from the LOS and delivered within three business days of application; delivery is recorded in the LOS.

Parties: Borrower, Loan officer. Rules: TRID. Callvu moves: prefill, write back. Use case and claims

A changed circumstance is recorded when it happens, the clock starts on record, at-risk cases go to a person, and the revised Loan Estimate and acknowledgment are written to the LOS.

Parties: Loan officer, Processor, Disclosure desk, Borrower. Rules: TRID. Callvu moves: classify, decide, write back. Use case and claims

The Closing Disclosure is delivered and acknowledged at least three business days before consummation; changes that reset the clock are caught before closing.

Parties: Closing team, Borrower, Settlement agent. Rules: TRID. Callvu moves: classify, chase and verify, write back.

The full initial package is assembled from the LOS, sent, and each acknowledgment chased until complete.

Parties: Borrower, Disclosure desk. Rules: TRID; RESPA. Callvu moves: prefill, chase and verify, write back.

The counseling organization list is delivered within the required window and the delivery recorded.

Parties: Borrower, Disclosure desk. Rules: RESPA. Callvu moves: prefill, write back.

The appraisal copy is delivered on time, or the borrower's timing waiver is captured, and the record written to the loan file.

Parties: Borrower, Processor. Rules: ECOA (Reg B). Callvu moves: chase and verify, write back.

A decline, counteroffer or withdrawal triggers a compliant notice with reasons within 30 days; notice and timestamp are written to the record.

Parties: Underwriter, Loan officer, Borrower. Rules: ECOA (Reg B); FCRA. Callvu moves: classify, write back.

An application missing information triggers a notice listing what is needed and the deadline; responses are chased and the file updated.

Parties: Processor, Borrower. Rules: ECOA (Reg B). Callvu moves: classify, chase and verify, write back.

Borrower withdraws by any channel; the reason and date are captured and the file closed with the correct HMDA action.

Parties: Borrower, Loan officer. Rules: HMDA (Reg C). Callvu moves: classify, write back.

Each party is asked only for what is missing; income, asset, identity and property documents are read on arrival, checked against the loan's own conditions, chased on a clock, and the complete file is written to the LOS.

Parties: Borrower, Co-borrower, Loan officer, Processor, Employer, Broker, Title company, Insurance agent. Rules: ECOA (Reg B); Investor and agency guidelines. Callvu moves: prefill, classify, chase and verify, write back.

The employer is asked to confirm employment and income on a secure screen; the response is checked against the application and written to the file.

Parties: Employer, Processor, Borrower. Rules: Investor and agency guidelines. Callvu moves: chase and verify, write back.

The bank or the borrower provides asset statements; balances and large deposits are checked and unexplained deposits sent back for an explanation.

Parties: Borrower, Depository institution, Processor. Rules: Investor and agency guidelines. Callvu moves: chase and verify, classify, write back.

Flagged deposits or credit inquiries generate a request for a signed explanation and sourcing documents; the underwriter decides whether it clears.

Parties: Borrower, Processor, Underwriter. Rules: Investor and agency guidelines. Callvu moves: classify, chase and verify, decide, write back.

The donor signs the gift letter and provides transfer evidence; both are matched to the deposit before the condition clears.

Parties: Borrower, Donor, Processor. Rules: Investor and agency guidelines. Callvu moves: chase and verify, write back.

Borrower signs the transcript request; returned transcripts are matched against the tax returns in the file.

Parties: Borrower, Processor. Rules: Investor and agency guidelines. Callvu moves: chase and verify, write back.

Business returns, profit and loss and business account statements are requested from the borrower or their accountant and checked for completeness.

Parties: Borrower, Accountant, Processor, Underwriter. Rules: Investor and agency guidelines. Callvu moves: chase and verify, classify, write back.

The appraisal is ordered through the management company, access is scheduled with the borrower or agent, the report is checked on arrival and routed for review.

Parties: Appraisal management company, Appraiser, Borrower, Real estate agent, Underwriter. Rules: Appraisal independence requirements. Callvu moves: prefill, chase and verify, decide, write back.

The title order goes out, the commitment is read on arrival, and exceptions are chased with the title company until cleared.

Parties: Title company, Processor, Borrower. Callvu moves: chase and verify, classify, write back.

The insurance agent provides the binder; coverage, mortgagee clause and effective date are checked against the loan.

Parties: Insurance agent, Borrower, Processor. Rules: Investor and agency guidelines. Callvu moves: chase and verify, write back.

The flood determination is ordered; if the property is in a special flood hazard area, notice is sent and the flood policy is chased before closing.

Parties: Flood vendor, Borrower, Insurance agent, Processor. Rules: Flood Disaster Protection Act. Callvu moves: classify, chase and verify, write back.

The association is asked for the questionnaire, budget and master policy; answers are checked against project eligibility.

Parties: Homeowners association, Processor, Underwriter. Rules: Investor and agency guidelines. Callvu moves: chase and verify, decide, write back.

The executed contract and every addendum are collected from the agents; price, dates and concessions are matched to the loan.

Parties: Buyer's agent, Seller's agent, Borrower, Processor. Callvu moves: chase and verify, classify, write back.

Borrower identity documents are captured and checked before the file moves forward.

Parties: Borrower, Processor. Rules: Customer Identification Program. Callvu moves: chase and verify, write back.

Required fields and document types are checked by document type, not filename, and the file cannot move to Processing until a pass is written to the LOS.

Parties: Loan officer, Loan assistant, Processor. Rules: TRID. Callvu moves: classify, chase and verify, write back. Use case and claims

The handoff between origination and processing runs on record, with the Loan Estimate and changed-circumstance clocks tracked across teams.

Parties: Loan officer, Processor, Disclosure desk. Rules: TRID. Callvu moves: classify, chase and verify, write back. Use case and claims

The broker's package is checked against a declared complete file and only the missing items are requested before submission.

Parties: Broker, Account executive, Processor. Rules: TRID. Callvu moves: chase and verify, write back.

Each condition is requested from the right party, the returned document is checked against the condition, and the underwriter clears or rejects it.

Parties: Underwriter, Processor, Borrower, Third parties. Rules: Investor and agency guidelines. Callvu moves: chase and verify, decide, write back.

An exception to guidelines is documented with compensating factors and routed to the right approval authority before the decision is recorded.

Parties: Underwriter, Credit manager, Loan officer. Callvu moves: classify, decide, write back.

A suspended file lists what blocks a decision; each item is chased until the file goes back to underwriting.

Parties: Underwriter, Processor, Borrower. Callvu moves: classify, chase and verify, write back.

Findings that require documents or verifications become tasks for the right party and are tracked until satisfied.

Parties: Processor, Underwriter, Borrower. Rules: Investor and agency guidelines. Callvu moves: classify, chase and verify, write back.

Alerts from fraud tools are routed to a reviewer with only the allowed dispositions; the decision and evidence are recorded.

Parties: Fraud analyst, Underwriter. Rules: Bank Secrecy Act. Callvu moves: classify, decide, write back.

Selected files get a second-person review against a checklist before funding; findings go back to the processor.

Parties: Quality control, Underwriter, Processor. Callvu moves: classify, chase and verify, decide, write back.

A change of program, amount or terms is recorded, re-priced, re-disclosed if required and re-approved.

Parties: Loan officer, Underwriter, Disclosure desk, Borrower. Rules: TRID. Callvu moves: classify, decide, write back.

Borrower, settlement agent and lender agree on a date that respects the disclosure waiting period; the date is written to the LOS.

Parties: Borrower, Settlement agent, Closer. Rules: TRID. Callvu moves: prefill, write back.

Closing instructions and documents go to the settlement agent; the settlement statement is reconciled against the Closing Disclosure.

Parties: Closer, Settlement agent, Title company. Rules: TRID; RESPA. Callvu moves: prefill, chase and verify, write back.

Wire instructions are confirmed through a verified channel before funds move, to stop wire fraud.

Parties: Settlement agent, Funder, Borrower. Callvu moves: chase and verify, decide, write back.

Conditions that must clear before funding are chased and checked; funding cannot release until all pass.

Parties: Funder, Closer, Settlement agent. Callvu moves: chase and verify, decide, write back.

Borrower signs the documents that allow e-signature remotely and the rest at the table; the signed set is returned and checked.

Parties: Borrower, Settlement agent, Notary, Closer. Rules: E-SIGN Act. Callvu moves: chase and verify, write back.

For refinances, the rescission notice is delivered and the period tracked before funds disburse.

Parties: Borrower, Funder. Rules: TILA (Reg Z). Callvu moves: chase and verify, write back.

Changes found at or after closing produce a corrected Closing Disclosure within the required window.

Parties: Closer, Borrower. Rules: TRID. Callvu moves: classify, write back.

Signed documents are checked against the closing checklist and exceptions are logged and chased automatically.

Parties: Post-closer, Settlement agent, Title company. Callvu moves: chase and verify, classify, write back.

Recorded mortgage, final title policy and other trailing documents are chased from the title company and county until received and filed.

Parties: Title company, County recorder, Post-closer. Rules: Investor and agency guidelines. Callvu moves: chase and verify, write back.

The loan file is assembled for the investor; purchase conditions come back and are cleared with the right party.

Parties: Post-closer, Investor, Processor. Rules: Investor and agency guidelines. Callvu moves: chase and verify, classify, write back.

A sample of closed loans is re-verified against a checklist and findings are routed for remediation.

Parties: Quality control, Operations manager. Rules: Investor and agency guidelines. Callvu moves: classify, chase and verify, decide, write back.

Fee tolerance violations found after closing are calculated, approved and refunded with a corrected disclosure within the required window.

Parties: Post-closer, Compliance, Borrower. Rules: TRID. Callvu moves: classify, decide, write back.

Reportable fields are checked against the loan file and discrepancies sent back for correction before submission.

Parties: Compliance, Processor. Rules: HMDA (Reg C). Callvu moves: classify, chase and verify, write back.

When servicing transfers, the required notices are sent and acknowledged by the borrower.

Parties: Borrower, Servicer. Rules: RESPA (Reg X). Callvu moves: prefill, write back.

A notice of error from any channel is captured once; acknowledgment and response clocks start on receipt; the response is stored with its evidence.

Parties: Borrower, Servicing analyst, Compliance. Rules: RESPA (Reg X). Callvu moves: classify, decide, write back.

A request for information is acknowledged and answered within the required time, with the response written to servicing.

Parties: Borrower, Servicing analyst. Rules: RESPA (Reg X). Callvu moves: classify, write back.

Identity and authorization are checked before a payoff statement is produced and sent within the required time.

Parties: Borrower, Authorized third party, Servicing. Rules: TILA (Reg Z). Callvu moves: prefill, write back.

A borrower authorizes a third party to discuss the loan; the authorization is captured and recorded before any information is released.

Parties: Borrower, Authorized third party. Rules: GLBA. Callvu moves: chase and verify, write back.

Borrower changes autopay or payment method; authorization is captured and written to servicing.

Parties: Borrower, Servicing. Rules: NACHA rules. Callvu moves: prefill, write back.

Borrower requests mortgage insurance removal; eligibility, payment history and valuation are checked and the decision recorded.

Parties: Borrower, Servicing analyst, Appraiser. Rules: Homeowners Protection Act. Callvu moves: chase and verify, decide, write back.

A new borrower applies to assume the loan; documents are collected, underwritten and the release of the original borrower recorded.

Parties: Original borrower, New borrower, Underwriter, Servicing. Callvu moves: prefill, chase and verify, decide, write back.

A successor's identity and ownership interest are documented and confirmed before servicing communications go to them.

Parties: Successor, Servicing analyst, Legal. Rules: RESPA (Reg X). Callvu moves: chase and verify, decide, write back.

A death notice triggers document requests, account protection and routing to a specialist team.

Parties: Family member, Servicing, Legal. Rules: RESPA (Reg X). Callvu moves: classify, chase and verify, write back.

A servicemember submits orders; eligibility is checked and the rate cap and protections are applied in servicing.

Parties: Servicemember, Servicing analyst. Rules: SCRA. Callvu moves: chase and verify, decide, write back.

Requests to release part of the collateral or subordinate the lien are documented, approved and recorded.

Parties: Borrower, Title company, Servicing, Credit. Callvu moves: chase and verify, decide, write back.

After payoff, the lien release is prepared, recorded and sent to the borrower on time.

Parties: Servicing, County recorder, Borrower. Rules: State lien release laws. Callvu moves: chase and verify, write back.

The annual analysis runs, the statement is delivered, and the borrower's shortage repayment choice is captured and written to servicing.

Parties: Borrower, Escrow team. Rules: RESPA (Reg X). Callvu moves: prefill, decide, write back.

Borrower requests to waive escrow; eligibility is checked and the decision recorded.

Parties: Borrower, Escrow team. Callvu moves: chase and verify, decide, write back.

Tax bills are received and matched to the loan; exceptions are chased with the borrower or county before disbursement.

Parties: Escrow team, Tax authority, Borrower. Rules: RESPA (Reg X). Callvu moves: classify, chase and verify, write back.

Renewal evidence is chased from the borrower or agent; a lapse triggers the required notices before force-placed coverage.

Parties: Borrower, Insurance agent, Escrow team. Rules: RESPA (Reg X). Callvu moves: classify, chase and verify, write back.

The required notices go out on schedule; when the borrower provides proof of coverage, the force-placed policy is cancelled and premiums refunded.

Parties: Borrower, Insurance tracking vendor, Servicing. Rules: RESPA (Reg X). Callvu moves: classify, chase and verify, decide, write back.

After property damage, the claim check is endorsed, funds are held, and repair draws are released as inspections are passed.

Parties: Borrower, Insurer, Contractor, Inspector, Loss draft team. Callvu moves: chase and verify, decide, write back.

Receipt is acknowledged and missing items requested within five business days; each item is chased until complete and the evaluation decision is written to servicing.

Parties: Borrower, Loss mitigation specialist, Underwriter. Rules: RESPA (Reg X). Callvu moves: classify, chase and verify, decide, write back.

Borrower requests forbearance; required documents and disclosures are collected and the decision written to servicing.

Parties: Borrower, Loss mitigation specialist. Rules: RESPA (Reg X). Callvu moves: chase and verify, decide, write back.

A repayment plan is offered, accepted on a secure screen and written to servicing with the payment schedule.

Parties: Borrower, Collections. Rules: RESPA (Reg X). Callvu moves: prefill, decide, write back.

Hardship, income and property documents are collected, the modification is evaluated, the trial plan and final agreement are signed and recorded.

Parties: Borrower, Loss mitigation specialist, Underwriter, Investor. Rules: RESPA (Reg X); Investor guidelines. Callvu moves: classify, chase and verify, decide, write back.

Offer, listing, hardship and valuation documents are collected from the borrower and agent and routed to the investor for approval.

Parties: Borrower, Listing agent, Buyer, Investor, Loss mitigation specialist. Rules: Investor guidelines. Callvu moves: chase and verify, decide, write back.

Title, occupancy and hardship are verified and the deed in lieu is approved and executed.

Parties: Borrower, Title company, Investor, Loss mitigation specialist. Rules: Investor guidelines. Callvu moves: chase and verify, decide, write back.

Delinquent borrowers are contacted within the required timeframes and loss mitigation options offered and recorded.

Parties: Borrower, Collections. Rules: RESPA (Reg X). Callvu moves: classify, write back.

Before referral, the file is checked for pending loss mitigation, protections and required notices; only clean files go to the attorney.

Parties: Default team, Compliance, Foreclosure attorney. Rules: RESPA (Reg X); SCRA. Callvu moves: classify, chase and verify, decide, write back.

Borrowers in a declared disaster area request relief; eligibility is checked and the forbearance or payment deferral recorded.

Parties: Borrower, Servicing. Rules: Investor guidelines. Callvu moves: classify, decide, write back.

A bankruptcy notice stops collection activity, routes the loan to the bankruptcy team and records the case details.

Parties: Borrower's attorney, Bankruptcy team, Servicing. Rules: Bankruptcy Code automatic stay. Callvu moves: classify, write back.

The application is prefilled for existing customers; income, property and title are verified and the decision written to the loan system.

Parties: Borrower, Banker, Underwriter, Appraiser. Rules: TILA (Reg Z); ECOA (Reg B). Callvu moves: prefill, chase and verify, decide, write back.

Borrower requests a draw; availability and authorization are checked and the draw written to the core.

Parties: Borrower, Servicing. Rules: TILA (Reg Z). Callvu moves: prefill, write back.

A line freeze or reduction triggers the required notice with reasons and a path to reinstatement.

Parties: Credit, Borrower, Servicing. Rules: TILA (Reg Z). Callvu moves: classify, decide, write back.

Borrower requests to close the line; payoff, lien release and account closure are completed in order.

Parties: Borrower, Servicing. Callvu moves: chase and verify, write back.

Licensing, agreements, insurance and financials are collected from the broker or correspondent, checked and approved before they can submit loans.

Parties: Broker, Third-party originator management, Compliance. Rules: NMLS licensing; SAFE Act. Callvu moves: chase and verify, decide, write back.

Licenses and documents are re-collected and checked each year; expired items suspend the relationship until cured.

Parties: Broker, Third-party originator management. Rules: NMLS licensing. Callvu moves: classify, chase and verify, decide, write back.

Each loan officer's license and state eligibility is checked before a loan in that state can move forward.

Parties: Loan officer, Compliance. Rules: SAFE Act. Callvu moves: chase and verify, decide.

Closed loans from correspondents are reviewed against purchase conditions and suspended items chased before purchase.

Parties: Correspondent, Purchase review, Investor. Rules: Investor and agency guidelines. Callvu moves: chase and verify, decide, write back.