Application intake (URLA / 1003)

How do we take a mortgage application from the website, a loan officer, a broker or an AI agent so the borrower answers only what is missing and the application lands in the LOS once?

Run one application behind every door. Callvu prefills what the lender already knows about the borrower and the property, walks the borrower and co-borrower through only the fields the application needs, captures the consents and the demographic questions in the required form, checks the six pieces of information that make it an application under TRID, and writes the complete application to the loan origination system with its timestamps. Live at Bank Leumi, under national rules outside the US.

Live at Bank LeumiComplex: multi-party handoffsCallvu moves: prefill, chase and verify, write back

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Last updated November 7, 2026.

The problem today

The online application, the loan officer's version and the broker's are three different forms, and the LOS gets the one that was re-keyed.

Today, without Callvu

A borrower starts on the website and stops at the assets section. They call a loan officer, who starts again on their own screen. A broker sends a third version on a form. Someone keys the final one into the loan origination system, and the application date, which starts the TRID clock, is whichever day that happened.

Under TRID an application exists the moment the lender has the six pieces: the borrower's name, income, Social Security number, the property address, the estimated value and the loan amount. The Loan Estimate is due three business days later. Reg B's 30-day notice runs from a completed application; HMDA needs the demographic questions asked in the prescribed form, with refusals recorded. A process that does not know when it crossed the line cannot keep the clocks.

The co-borrower is the usual gap: a second person, a second set of consents, and a second chance for the data to drift.

How it runs

From the requestto the system of record.

A borrower starts on the website or the app, with a loan officer, through a broker's submission, or through an AI agent over MCP. Callvu identifies the borrower where possible and opens one application.

Borrower: Answers what is missing, gives consents, answers the demographic questions, and signs.
Co-borrower: Completes their own sections and consents on their own phone.
Loan officer: Starts or assists on the same application and sees it fill.
Broker: Submits through the broker channel into the same application.
Callvu: Prefills, guides, captures consents and HMDA data, detects the application date, writes to the LOS.

Prefill
An existing customer's identity, contact details, accounts and any prior application are prefilled from the core and the CRM; a property address pulls public data where the lender licenses it. Each borrower confirms rather than retypes.
Chase and verify each borrower
The borrower and the co-borrower each complete their sections (employment, income, assets, liabilities, declarations) on their own phones, with field validation and the uniform application's structure. The consents for the credit report, E-SIGN and the privacy notice are captured before any pull. The demographic questions are asked in the required form, with the option to decline recorded.
Detect the application
Callvu watches for the six pieces of information. The moment the lender holds all six, the application date is recorded, the Loan Estimate clock starts, and the disclosure desk is notified. Nothing depends on someone noticing.
Write back
The complete application with its timestamps, consents and demographic data is written to the loan origination system once, in the standard format, and the loan officer and the borrower receive the confirmation and what happens next.

Where it ends: The application is in the LOS once, with the application date that starts the TRID clock, the consents, the demographic data and both borrowers' sections, from whichever door it came. The Decision Trace shows the prefill sources and the application detection; the Audit Trace shows every step by each party.

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

US requirements shown. Bank Leumi runs this process under national rules outside the US; Callvu loads each market's rules as policies the same way.

TILA-RESPA Integrated Disclosure rule (TRID, Reg Z 12 CFR 1026.2(a)(3) and 1026.19(e)): An application is the submission of the consumer's name, income, Social Security number to obtain a credit report, the property address, an estimate of the property's value and the mortgage loan amount sought. The Loan Estimate must be delivered or placed in the mail no later than the third business day after receiving the application; the application date is the clock's start and must be recorded.
ECOA (Reg B, 12 CFR 1002.9 and 1002.5): Notice of action within 30 days of a completed application; limits on the information that may be requested (for example, marital status rules and the prohibition on asking about protected characteristics except as permitted for monitoring).
HMDA (Reg C, 12 CFR 1003.4 and appendix B): For a covered application, the lender collects the applicant's ethnicity, race and sex in the form the rule prescribes, with the option to decline, and records whether the information was collected on the basis of visual observation or surname; the data is reported on the loan application register.
FCRA (15 USC 1681b) and E-SIGN (15 USC 7001): The credit report is pulled only with the borrower's authorization on the record; electronic disclosures require E-SIGN consent captured first.

Company policies

One application record, whichever door it starts in; a broker's or a loan officer's version is the same record.
No credit pull before the authorization is recorded for that borrower.
The application date is detected from the six pieces, not set by a person.
The LOS is the system of record; Callvu writes the application once.

Controls

Prefill from the core, the CRM and property data.
Per-borrower sections with validation on each field.
Consent gate before the credit pull.
HMDA questions in the prescribed form with declines recorded.
Six-piece detection with the application date timestamped.
Single write to the LOS.

Clocks and deadlines

Loan Estimate (TRID): Three business days from the application date detected.
Notice of action (Reg B): 30 days from the completed application.

Documents and checks

The application as completed by each borrower, with timestamps
The credit authorization, E-SIGN consent and privacy notice acknowledgment
The demographic information or the decline
The application date record
The LOS write record

In the Decision Trace

The prefill sources for each field.
The moment the six pieces were present and the application date set.
The consents recorded before the pull.

In the Audit Trace

Each door the application was touched from and by whom.
Each borrower's steps and times.
The write to the LOS.

The handoff

Between the front doorand the back office.

The front door

The website, the app, a loan officer, a broker, or an AI agent over MCP. Sensitive data, consents and signatures stay on process-controlled screens.

The back office

The disclosure desk is told the application date the moment it exists; processing receives one application from the LOS.

The Decision Desk

A borrower who stops mid-application is nudged by text or email with a link back to the same record; the loan officer sees where they stopped.
A conflict between a broker's submission and a borrower's own entries routes to the loan officer in the Decision Desk to resolve before the write.

Proof

Live at Bank Leumi.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.

Bank Leumi runs its home lending (mortgage) workflows on Callvu, under national lending rules outside the US.

MTG-01 · Self-asserted · verified 2026-11-06

Bank Leumi digitized all loan application and servicing workflows within six months.

BNK-01 · Customer-attested · verified 2026-11-02

Bank Leumi cut data errors by 77%.

BNK-03 · Customer-attested · verified 2026-11-02

Questions

What buyers ask next,answered plainly.

What starts the TRID clock?

The moment the lender holds the six pieces of information. Callvu detects it, records the application date and notifies the disclosure desk.

Does the co-borrower complete the same form?

They complete their own sections and consents on their own phone, in the same application record.

Can an AI agent start the application?

Yes, over MCP. The agent starts it; identity, consents and the application data are captured on process-controlled screens.

Related processes

Preapproval with credit authorization Loan Estimate delivery Home lending application and servicing workflows Government monitoring information capture Compared with the alternatives Try it in the sandbox All home lending processes

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