Life of a Loan
The 9-station automated workflow — what each station does, who runs it, and how it replaces the old manual process.
Station-by-Station
Intake
Expected: 2 days
Before
Borrower calls or emails Mariane directly. Information captured informally — no standard form. File created manually in Calyx when Mariane had time.
Now
Sophie captures the inquiry 24/7 — voice or WhatsApp. Lonnie reads the initial file. Dorothy receives the handoff card in CentCom. File is active in pipeline from day zero.
SophieLonnieDorothy
Qualify
Expected: 3 days
Before
Mariane reviewed the borrower's verbal information and made a judgment call on product fit. No written analysis. No paper trail. Entirely in her head.
Now
A structuring check runs on the file. Mariane reviews the signal and approves the pre-qualification. Pre-qualification letter generated when ready.
LonnieMariane
Processing
Expected: 10 days
Before
Mariane chased borrowers by text for documents. No portal. No tracking. Documents arrived by email in no particular order. Mariane organized everything manually.
Now
Sophie sends the borrower a personalized intake link. Documents upload directly to the portal. Dorothy monitors the package from CentCom. Lex flags any missing items.
SophieDorothyLex
Disclosures
Expected: 3 days
Before
Mariane prepared and sent initial disclosures manually. TRID timing tracked informally. Lex had no visibility into compliance windows.
Now
Mariane signs and sends the Loan Estimate (LE) from CentCom. Lex opens the TRID compliance clock automatically and tracks the 3-day window.
MarianeLex
Underwriting
Expected: 10 days
Before
Mariane submitted files to underwriting directly. No one else had visibility. Status updates came by email — sometimes days late. Dorothy had no way to know where a file stood.
Now
Dorothy coordinates file submission. Lonnie monitors for red-flag conditions. Pipeline clock counts days in underwriting — any delay surfaces immediately in CentCom.
DorothyLonnieLex
Conditions
Expected: 7 days
Before
Underwriter issued conditions by email. Mariane forwarded to borrower. Tracking was a mental checklist. Conditions sometimes fell through the cracks.
Now
Lonnie parses the conditions list. Dorothy manages the checklist from CentCom. Sophie follows up with borrowers. Every condition is tracked until cleared.
LonnieDorothySophie
Clear to Close
Expected: 3 days
Before
CTC was verbal confirmation from underwriter to Mariane. No formal sign-off logged anywhere. Dorothy found out when Mariane told her.
Now
Dorothy logs the CTC in CentCom. Mariane signs off with a formal approval action. The pipeline clock resets. Closing is scheduled and tracked from this point.
DorothyMariane
Closing
Expected: 5 days
Before
Mariane coordinated closing with title, escrow, and borrower directly. Closing Disclosure sent manually. Funding confirmation was a phone call.
Now
Mariane signs and sends the Closing Disclosure from CentCom. Dorothy confirms funding. Grace notifies the team. The file advances to Funded automatically.
MarianeDorothyGrace
Funded
Terminal station
Before
File closed manually. No after-close protocol. Referral follow-up was inconsistent. No record of what happened post-funding.
Now
File archived with full pipeline history. After-close protocol activates (review request, referral follow-up). Grace logs the completed loan to the monthly summary.
GraceSophie
Pipeline Clock: Every file in the system carries a day counter — how many days it has been at its current station vs. the expected window. Green = on track. Amber = approaching the limit. Red = overdue. No file hides in the machine. Every station has a clock.