Mortgage
Loan documents, filed by loan
as they arrive
The Drive AI reads the loan number, the borrower or the property address off each document and files it under the loan — the appraisal from an inbox, the paystub a borrower photographed, the title commitment downloaded from a portal.
No credit card required · Cancel anytime
In short
How should a mortgage broker or loan officer organize borrower and loan documents?
One folder per loan, named with the loan number and the borrower, holding everything from every source. The Drive AI reads the loan number, the borrower name or the property address off each document and files it there, so an appraisal emailed by an appraiser and a paystub photographed by a borrower both reach the same folder without anyone renaming them. Each file is named by its date and document type, which is what makes an aged paystub visible weeks before closing rather than during closing week.
What an inbox and a shared drive cannot do
- File an appraisal or a title commitment that names the property and not the loan, by matching the address to the open file.
- Name a paystub by the pay period it covers, so holding the same one twice is visible rather than discovered at underwriting.
- Track what a borrower still owes against a list and remind only the people who have not sent theirs.
It runs alongside a loan origination system rather than replacing one. The LOS runs the loan, the disclosures and the compliance record; this holds the documents behind it, which at smaller shops arrive in email and live in a shared drive whatever the system offers borrowers. Workflows can watch Gmail, Outlook, Google Drive, OneDrive, SharePoint or Dropbox.
The Problem
What's costing you time
Five parties, none of them coordinated
The borrower emails, the appraiser emails, the title company uses a portal, and the insurance binder arrives as a fax that turns into an email.
Page one of a five page statement
Borrowers send what is convenient. The gap is usually found at underwriting rather than on the day the document arrived.
Files that stall and go stale
A file that catches a dispute sits for two months and quietly outlives its own paystubs, credit report and appraisal.
Covering somebody else's file
A loan officer out sick means somebody opens a folder they did not build, and the day starts with a search rather than with the work.
How it works
Set up in minutes
Connect the inbox and the drive
The mailbox that receives appraisals, title commitments and borrower attachments, plus the folder where downloads from portals land.
Describe the loan folder once
One folder per loan, named by loan number and borrower, with every file named date-first by its type. Said once rather than rebuilt for each new application.
Documents file themselves
Each arrival is read for the loan number, the borrower or the property address, then renamed and filed. A document that identifies no loan goes to review rather than under a guess.
Ask across the file
"Which paystubs in this file are older than thirty days?" — answered against what is actually filed, with the document each answer came from.
Features
Built for how you work
Filed by Loan
Disclosures, borrower documents, appraisals and title work reach one folder per loan, named with the loan number and the borrower so it is findable whichever one you have in front of you.
Matched on the Property Address
Appraisals, title commitments, flood certificates and insurance binders identify the property rather than the loan. Reading the address and matching it to the open file is what stops those being the ones filed by hand.
Named by Period, Not Just Type
A paystub is named with the pay period it covers and a statement with its month, so two copies of the same one are visible in the folder rather than at underwriting.
Collect Borrower Documents With a Checklist
Send one link with the list of what this borrower owes. Completion is tracked per person, reminders go only to whoever has not sent theirs, and each upload files under the loan.
Aged Documents Surfaced Early
A scheduled pass over open loan folders reads the date off each document and reports the ones old enough to need refreshing, while there is still time to ask.
Rules for Every New File
Set the filing once and every arrival follows it — from Gmail or Outlook, Google Drive, OneDrive, SharePoint or Dropbox — without anyone touching it.
Works Where Your Files Already Are
A browser extension puts The Drive AI inside Google Drive, OneDrive and Dropbox, so a brokerage organizes in place without migrating off its current storage.
Review Before It Files
Any rule can pause for a person to approve it, showing exactly what it is about to do. A document filed under the wrong borrower costs more here than in most filing, so the preview matters.
Folder-Level Access Control
Access is set per folder, so a file can be limited to the people working it rather than open to everyone with the drive.
Results
What each role gets
Loan Officers answer a borrower question from the folder during the call, rather than promising to look and calling back.
Loan Processors stop renaming borrower attachments by hand, because each document is read for the loan and the period it announces on its own face.
Loan Assistants send one checklist link instead of a thread per borrower, and let the reminders go out without maintaining a list of who replied.
Closers see which documents in a file have aged past the point of usefulness before the closing week rather than during it.
Brokerage Owners keep one folder shape across every officer, so covering a file somebody else originated does not start from nothing.
Use Cases
Just ask
"Find the appraisal for 1140 Cedar"
"Which paystubs in this file are older than thirty days?"
"Show me the title commitment for the Nakamura loan"
"What does the underwriting condition letter ask for?"
"Find every bank statement for this borrower"
"Find the flood certificate for this property"
"Show the signed initial disclosures for this file"
"Find the gift letter in the Okonkwo file"
Comparison
Why switch
Auto-organize by loan number
Matches on property address
Named by document period
Document checklist with reminders
Reports aged documents
Works in your existing storage
Secure borrower sharing
Bank-level encryption
Use cases
The jobs this actually does
Collect Borrower Documents Without a Fourth Email About Paystubs
The borrower has sent one paystub, a photograph of a W-2 taken on a kitchen table, and page one of a five page bank statement. Underwriting needs all five pages and the second paystub, and it is Thursday.
One Folder Per Loan, Named by Borrower and Loan Number
The appraisal is in the inbox, the title commitment is in a portal, the initial disclosures are in the origination system, and the borrower documents are spread across four email threads.
Know Which Documents in a Loan File Have Gone Stale
The file was ready in July. The appraisal came in low, the borrower disputed it, and now it is September and half the documents in the folder are too old to close on.
FAQ
Questions answered
How should mortgage loan files be organized?
One folder per loan, named with the loan number and the borrower surname, with every document named date-first by its type. Subfolders by document category cost more in filing decisions than they return in findability, because the filenames already say what each document is.
How do you file documents that only show the property address?
Read the address off the document and match it to the open loan for that property. Appraisals, title commitments, flood certificates and insurance binders are produced by parties who identify the property rather than the loan, which is exactly why they are the documents most often filed by hand.
Can it tell me a document is too old to close on?
It reports how old a document is, taken from the date printed on it rather than the date the file was saved. It does not know your investor overlays or the programme the loan is going to, so it reports age rather than compliance. Whether an aged document still works for a particular file is a decision for whoever knows the rule.
Can it tell me what a borrower still owes?
Yes, through a file request with a document checklist. The checklist holds the required items per borrower and tracks completion, which is what makes reminders possible. A workflow on its own acts on a document when it arrives and cannot look at a folder and know what should have been in it.
Does this replace a loan origination system?
No. The origination system runs the loan, the disclosures and the compliance record. This is the collection and filing underneath it, which at smaller shops happens in email and a shared drive regardless of what the system offers. The two sit alongside each other.
How is borrower data protected?
Documents are encrypted with 256-bit AES, access is set per folder so a file can be limited to the people working it, and customer data is not used to train AI models or shared with third parties. Whether a particular arrangement satisfies a lender's obligations under its own compliance programme is a question for the lender and its counsel, not something a vendor can answer on its behalf.
Close on time. Not on a document hunt.
Every document under its loan, read off the page rather than sorted by hand.
No credit card required · Enterprise-grade security · Cancel anytime