Loan file reconciliation in CONCORD compares each key field across every document that states it: borrower name, SSN last four, income, employer, property address and loan amount. Where the application says one thing and a pay stub, bank statement or title document says another, the conflict is raised with both values and links to both pages.
Spelling and order across the application, pay stubs, statements and title documents.
The same identifier wherever it appears in the file.
Stated income against pay stubs, W-2s and tax returns.
The application's employer against the W-2 and pay stubs.
Application, title commitment and disclosures.
Application against the disclosures.
A pay stub can be genuine and still disagree with the income on the application.
Only a comparison across the file shows them.
A conflict resolved by the processor never becomes an underwriting condition.
Both conflicting values, a severity, and links to the page each value came from.
No. It shows both sides of the evidence; the processor or underwriter decides.
The reconciliation covers the core borrower, income, employer, property and loan fields; additional fields are configured with your team.
A missing document is raised as its own exception.
Mortgage loan file reconciliation: a clean, consistent file before it reaches underwriting.
Every document in the loan file typed, and the borrower, income, asset, property and loan fields extracted with page citations.
Conflicts and missing documents raised with severity and both sides of the evidence, and every correction logged.
Let CONCORD compare the whole file and show you where it does not.
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