Borrower document collection
How do we collect mortgage documents from the borrower, the employer, the title company and the insurance agent so each is asked once, each document is checked on arrival, and the file is complete in the LOS?
Give each party their own list and a clock. Callvu derives the required documents from the loan's own conditions and the investor's guidelines, prefills what the lender already holds, sends each party (borrower, co-borrower, employer, broker, title company, insurance agent) a link to only their items, reads each document on arrival and checks it against the condition it satisfies, chases on a schedule, and writes the complete, checked file to the LOS. Live at Community Bank of Mississippi.
Live at Community Bank of MississippiComplex: multi-party handoffsCallvu moves: prefill, classify, chase and verify, write back
Last updated November 7, 2026.
The problem today
The processor's needs list is an email, the borrower sends the wrong year's W-2, and nobody knows the title company never replied.
A mortgage file needs documents from eight parties. The processor emails a list to the borrower and separate requests to the employer, the title company and the insurance agent. Documents arrive as photos and PDFs over weeks, into an inbox. The processor opens each one, decides whether it is the right document, and updates the LOS when there is time. The borrower is asked twice for the same statement because nobody marked it received.
The requirements are specific: the investor's guidelines set what income, asset and property documents are acceptable and how recent they must be; the loan's own conditions add more; Reg B's incompleteness notice has a clock. A document is useful only if it is the right type, the right period, for the right person, and checked for what the condition asks.
Chasing is the processor's day. Reading and checking is where the errors live.
How it runs
From the requestto the system of record.
A loan reaches the point where conditions are set (at application for the standard list, at underwriting for the conditions). Callvu derives the document list and opens a request for each party.
- Borrower
- Uploads income, asset and identity documents and signs authorizations, on their phone.
- Co-borrower
- Provides their own documents through their own link.
- Loan officer
- Sees every party's status and answers questions; no longer chases.
- Processor
- Reviews only the items the checks flagged and clears conditions from the case.
- Employer
- Confirms employment and income through a secure link.
- Broker
- Provides the package items the broker holds.
- Title company
- Delivers the commitment and exceptions.
- Insurance agent
- Delivers the binder or declarations page.
- Callvu
- Derives the list, prefills, requests, reads, checks, chases and writes the file.
Prefill and classify the requirements
The loan's product, the investor's guidelines, the borrower's employment type (wage, self-employed, retired), the asset sources and the property type derive the required documents and their recency rules; the loan's own conditions add specific items. Documents the lender already holds (prior statements, an identification on file) are prefilled and not requested again.
Chase each party
Each party receives a link to only their items with the deadline. Reminders run on the schedule; the loan officer sees who has not responded and for how long. The Reg B notice of incompleteness runs against its clock where the application is incomplete.
Verify on arrival
Each document is read on arrival and checked against the condition it satisfies: the right document type, the right person, the period and recency, the employer and pay matching the application, the account balances and large deposits, the insurance coverage and mortgagee clause, the title commitment's exceptions. A document that fails is sent back with what is wrong; one that raises a question (a large deposit) opens the follow-up condition.
Write back
Each checked document is filed to the LOS under its document type with the condition it cleared, and the file's completeness is written to the LOS for the completeness gate before Processing and for underwriting.
Where it ends: Every required document was requested once from the party that holds it, read and checked against its condition on arrival, and filed to the LOS by type with its condition cleared, with the gaps and their ages visible all along. The Decision Trace shows the derived list and each check; the Audit Trace shows every request, reminder and upload. The Callvu moves in this process are prefill, classify, chase and verify and write back.
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.
The handoff
Between the front doorand the back office.
The front door
Links to each party; the borrower on their phone, the employer, title company and agent on theirs.
The back office
The processor reviews only flagged items and clears conditions; underwriting receives a file where every document was checked.
The Decision Desk
- A document that fails a check in a way the rules cannot resolve (a conflicting income figure, an unexplained deposit after the follow-up) goes to the processor or the underwriter in the Decision Desk with the document and only the allowed outcomes.
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.
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
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 reports zero rework on its live processes.
BNK-18 · Self-asserted · verified 2026-11-02
Questions
What buyers ask next,answered plainly.
Who decides which documents are needed?
The program's guidelines and the loan's conditions, applied by Callvu. The processor does not write the list.
How do the title company and the employer provide documents?
Through their own links to only their items, with the documents read and checked on arrival.
What happens to a wrong document?
It is sent back with what is wrong (the wrong year, the wrong person, too old), and the request stays open.
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