[.green-span]Catch Document Issues On-the-Spot with Document Metadata & Validation[.green-span]

However, even in a well-structured flow, small document mistakes can still create outsized delays, forcing a pause while corrections are requested.

An expired driver’s license gets uploaded.

A bank statement covers the wrong month.

A voided check is tied to a personal account instead of the business account.

These mistakes can be common, especially when applicants are moving quickly to complete their file. But in the competitive lending environment, these discrepancies are high-impact, stopping a deal’s progress, often for days, and force the underwriter into clean-up mode instead of moving a deal forward.

When this happens, teams must manually follow up to clarify requirements and request replacements. In some cases, when the mistake is not caught before the file is submitted, lenders receive incomplete packages and must return files. An extended delay combined with confusion of the process can the customer to abandon their application and search elsewhere for funding.W

As underwriting requirements become more nuanced and lending volume increases, these small mismatches are becoming more frequent industry-wide. A bank statement is no longer just a bank statement. It matters whether it is personal or business, which month it covers, whether names align, and whether the account details match the rest of the file. Without early validation, these discrepancies are typically discovered downstream, where they are more expensive in both time and effort.

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Introducing Document Metadata and Validation

Lendflow’s latest release, Document Metadata and Validation, flips the script by using intelligence to catch document upload errors on-the-spot.

Now, when a borrower uploads a document, it can be immediately evaluated for the lender’s unique specifications. When document is uploaded incorrectly, such as an expired ID, a name mismatch, or a bank account discrepancy, the applicant and the lending team receive a notification in real-time alerting them of the error.

For the applicant, this changes behavior instantly. Instead of submitting documents and waiting for a follow-up email days later, they receive immediate feedback while they are still engaged in the application. They can correct the issue on the spot and keep their file moving forward. Their journey inside the Borrower Platform remains clear and continuous, without unexpected pauses between stages.

For loan officers and advisors, visibility shifts earlier in the process. Notifications surface as issues occur rather than after underwriting begins. This reduces reactive clean-up work and allows teams to proactively support borrowers before a file progresses too far with incomplete or mismatched documentation.

For lenders, it means receiving cleaner, more complete packages at the underwriting stage. Fewer preventable issues reach review and fewer files need to be sent back for corrections.

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Smarter Context Without More Complexity

Behind the scenes, documents now carry richer context.

Rather than creating dozens of narrowly defined document types to account for every variation, metadata captures important details such as whether a statement is personal or business, the time period it covers, and whether specific fields, like applicant name, match the file appropriately.

Lenders can configure their requirements to tailor notifications for their preferred document types and needs. They can tailor the notification messaging to be as specific or broad as needed for each document category.  Some discrepancies require immediate correction while others simply need to be flagged for awareness. Messaging and validation logic can be configured within the Lendflow platform to reflect those nuances without adding engineering overhead.

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Why This Matters for the Entire Funding Pipeline

Catching document issues at upload changes the rhythm of the funding process.

For borrowers, the experience becomes clearer and more transparent. They understand exactly what is needed and whether what they submitted meets expectations. The journey through stages in the Borrower Platform feels consistent instead of repetitive.

For loan officers, time shifts away from tracking down preventable document issues and toward moving qualified deals forward.

Lenders receive 'Underwriting-Ready' files, reducing the cost of rework and ensuring  every submission is a high-velocity asset ready for immediate funding. This means fewer interruptions, faster closings, and a smoother experience across the board.

Document Metadata and Validation will be accessible in Workflow Live within the Lendflow App, via API, and in the Borrower Platform. While applicant notifications can be configured in either the Lendflow Borrower Platform or a lender’s native platform, lenders can also build internal workflows directly in Lendflow. This ensures loan officers have immediate access to the document information and validation results they need.

To learn more, contact your Customer Success Manager to review the configuration options available for your platform and begin setting up your document validations.

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Frequently Asked Questions

Are validation issues standardized, or can they be tailored by lender?

Validation is flexible. While there are common checks — such as expired identification or mismatched account information — lenders can tailor how issues are identified and how messages are communicated based on their own underwriting requirements.

How quickly are applicants notified if a document is incorrect or missing?

Notifications are triggered immediately after upload when an issue is detected. Both the borrower and the lending team are notified and can correct the problem in real time rather than waiting for manual review.

Will underwriting agents or Funding Advisors be notified when incorrect documents are uploaded?

Yes. Validation messaging provides visibility to internal teams as well, so advisors and underwriting staff are aware of document issues as they happen rather than discovering them later in the process.

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