Workflow · 02 of 03 · Condition rail
One rail. Seven states. Every move recorded.
Every mortgage condition moves through one rail: New, Missing, Requested, Received, Verified, Exception, Ready. Chain of custody is preserved at every hop.
Rail statesleft → right · always forward audit
01
New
02
Missing
03
Requested
04
Received
05
Verified
06
Exception
07
Ready
Examples
What a stalled condition actually looks like.
- C-01MissingMissing pay stub
Borrower has not uploaded the most recent paystub. Reminder cadence: 48h.
Next routine action · Send reminder - C-02ExceptionStale bank statement
Statement on file is older than 60 days. Requires a refreshed copy before clearance.
Next routine action · Request refresh - C-05RequestedAppraisal update pending
Appraiser is preparing a revised value after repair completion.
Next routine action · Mark received - C-08ExceptionTax return mismatch
Schedule C income on transcript does not reconcile with stated income on application.
Next routine action · Open review
Routine actions
One keystroke per condition.
Every routine move on the rail is a single action. Each action writes an audit entry with the operator, channel, and timestamp.
- Send reminder
- Mark received
- Request refresh
- Open review
- Clear condition
- Generate packet
- Sync LOS
Audit log · file CR-2026-04827Tamper-evident
- 04/22 09:42C-03Verified → Ready· System
- 04/22 09:38C-04Received → Exception· System (rule: coverage threshold)
- 04/22 09:30C-01Requested → Reminder sent· SMS
- 04/21 17:08C-01Missing → Received· Borrower upload
- 04/21 12:15C-03Received → Verified· Processor · K. Patel
- 04/18 10:02C-00File opened· Loan officer · K. Patel