Mortgage Lending · Loan Origination & Processing
Loan estimate issuance procedures
An internal procedure guide explaining how and when loan officers and processors must issue Loan Estimates to mortgage applicants.
What it usually contains
- Definition of a complete application and the six triggering pieces of information
- Three-business-day delivery deadline and business day counting rules
- Instructions for completing each section of the Loan Estimate form
- Rules for valid changed circumstances and revised estimates
- Fee tolerance categories and cure requirements
- Delivery, receipt, and recordkeeping documentation steps
What the assistant uses it for
Use it to answer when a Loan Estimate must go out, what counts as an application, and how to handle revisions or fee tolerance violations. It also explains who signs off, how delivery is proven, and how long records are kept.
How it is versioned
A document of this type has exactly one current version at a time. Upload a revision and it becomes the version that counts — the one before it is kept and dated, but is no longer what your assistant answers from. Nothing is ever deleted, so you can always show what this document said on a given date.
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