oPOS: Audit Log

Title 

Trigger(s) 

Status (Message) 

Borrower  

Converted to NBS

Selecting the Convert Co-Borrower to NBS checkbox during the Remove Borrower Process

{Borrower Name} was changed from a Borrower to a Non-Borrowing Spouse by: {Logged in user}

Loan Status Updated

Changing the loan status

• automatically, as the application is completed and processed
• manually, by the oPOS user

OR

When Old LOS Status is available:  

Update LOS Data API (api/Loans/LOSData/{loanId}) is called by Vendor (ENVOY or FAM) and MISMO payload resulted in a change in POS: from {oldCVLoanStatus} to {newCVLoanStatus} ; change in LOS from: {oldLOSLoanStatus} to {newLOSLoanStatus}

When Old LOS Status is unavailable:

Update LOS Data API (api/Loans/LOSData/{loanId}) is called by Vendor (ENVOY or FAM) and MISMO payload resulted in a change in POS: from {oldCVLoanStatus} to {newCVLoanStatus} ; set in LOS: {newLOSLoanStatus}

OR

Frontend/UI Change: For Purchase loans, when PreApproval/PreQualification letter is generated AND SAVED and current milestone status is different than "PreApproved" status

This is a Frontend change

[AMAYtoDO: Front End?]

The Loan Status field has been updated to "{newLoanStatus}", by {submittedByName}

OR

When Old LOS Status is available:  

"The Loan Status field has been updated in POS: from {oldCVLoanStatus} to {newCVLoanStatus} & updated in LOS from: {oldLOSLoanStatus} to {newLOSLoanStatus}, by {submittedByName}"

When Old LOS Status is unavailable:  

"The Loan Status field has been updated in POS: from {oldCVLoanStatus} to {newCVLoanStatus} & set in LOS to: {newLOSLoanStatus}, by {submittedByName}"

OR

The Loan Status field has been updated to PreApproved, by {loFullName}

Fee Modified

Modifying a fee in the iME and clicking Save  

{Fee Name} has been modified from {previous total fee amount} to {new total fee amount}: Modified by {User First & Last Name}

Fee Added

Adding a fee in the iME and clicking Save  

{Fee Name} has been added: Added by {User First & Last Name}

Fee Deleted

Deleting a fee in the iME and clicking Save 

{Fee Name} has been deleted: Deleted by {User First & Last Name}

Lock Requested

Clicking the Submit Lock Request button in oPOS (on the “Locking and Adjustments” page)

{NULL/Post Line of Demarcation}{Forward/Standard} Lock Requested for {finalLoanOfficerRate} % at {finalLoanOfficerPrice} on {productTypeName} ({productCode}) with {lockPeriod} period, by {requestingUser}  

Lock Fulfilled

Automatic approval of Lock Request

OR

Successful receipt of lock request via postpage

Lock Fullfilled for {finalLoanOfficerRate} % at {finalLoanOfficerPrice} on {productTypeName} ({productCode}) with {lockPeriod} period, by {requestingUser}

Submission Process

Sending a successful submission request to the lender’s LOS, causing the status type to update to ‘Submitted’

Submission Status has been changed to: Submitted by {User First and Last Name}

Submission Process

Sending a submission request to the lender’s LOS and the request is rejected

Submission Status has been changed to: Rejected by the lender

Initial Disclosures Request Process

Clicking Lender Disclosures or Broker and Lender Disclosures and successfully completing disclosure validation

{DisclosureType} Request Status has been changed to: Requested by {User First and Last Name}

Initial Disclosures Request Process

ACK200 is received from the LOS and

‘DisclosureTracking RequestStatus’ is updated to ‘Received’

{DisclosureType} Request Status has been changed to: Received by the System

Initial Disclosures Request Process

ACK400 is received from the LOS and

‘DisclosureTracking RequestStatus’ is updated to ‘Error’

{DisclosureType} Request Status has been changed to: Error by the System due to an error in the request

Initial Disclosures Request Process

ACK500 is received from the LOS and

‘DisclosureTracking RequestStatus’ is updated to ‘Failed’

{DisclosureType} Request Status has been changed to: Failed by the System due to a failure in the request

Initial CD Request Process

Clicking the Request ICD button (on the “Request ICD” page)

Initial CD Request Status has been changed to: Requested by {User First and Last Name}

Initial CD Request Process

ACK200 is received from the LOS and ‘DisclosureTracking RequestStatus’ is updated to ‘Received’

Initial CD Request Status has been changed to: Received by the System

Initial CD Request Process

ACK400 is received from the LOS and ‘DisclosureTracking RequestStatus’ is updated to ‘Error’

Initial CD Request Status has been changed to: Error by the System due to an error in the request

Initial CD Request Process

ACK500 is received from the LOS and ‘DisclosureTracking RequestStatus’ is updated to ‘Failed’

Initial CD Request Status has been changed to: Failed by the System due to a failure in the request

Closing Docs Request Process

Clicking the Request Closing Documents button (on the “Closing Documents” page)  

Closing Docs Request Status has been changed to: Requested by {User First and Last Name}

Closing Docs Request Process

ACK200 is received from the LOS and ‘DisclosureTracking RequestStatus’ is updated to ‘Received’

Closing Docs Request Status has been changed to: Received by the System

Closing Docs Request Process

ACK400 is received from the LOS and ‘DisclosureTracking RequestStatus’ is updated to ‘Error’

Closing Docs Request Status has been changed to: Error by the System due to an error in the request

Closing Docs Request Process

 ACK500 is received from the LOS and ‘DisclosureTracking RequestStatus’ is updated to ‘Failed’

Closing Docs Request Status has been changed to: Failed by the System due to a failure in the request

Export to LOS Successful

Successfully importing the loan to the lender’s LOS  

An Export to LOS for Loan # {loanNumber} (Internal Loan # {internalLoanNumber}) with Action: {actionType Description} (Code:{actionType Enum}) has been completed successfully, by System

Export to LOS Unsuccessful

Unsuccessful attempt to export the loan to the lender’s LOS  

If loan number does not exist:  

LOS export was unsuccessful, for Action: {actionType Description} (Code:{ActionType Enum})  by {userFullName}. (code {errorCode}: {message})

Otherwise:

LOS export of loan #{loanNumber}, Internal Loan Number: {internalLoanNumber}, was unsuccessful, for Action: {actionType Description} (Code:{ActionType Enum})   by {userFullName}. (code {errorCode}: {message})

Export to LOS Unsuccessful

Unsuccessful push of MISMO and/or the "CV Proprietary JSON" while exporting a loan to the lender’s LOS

If loan number does not exist:  

LOS export was unsuccessful, for Action: {actionType Description} (Code:{actionType Enum}) by {userFullName}. (code {errorCode}: {message})

Otherwise:

LOS export of loan #{loanNumber}, Internal Loan Number: {internalLoanNumber}, was unsuccessful, for Action: {actionType Description} (Code:{actionType Enum})by {userFullName}. (code {errorCode}: {message})

Get Loan Number Unsuccessful

Failure to get loan number while exporting a loan to the lender’s LOS

An Export to LOS for Loan Number was unsuccessful for Action: {actionType Description} (Code:{actionType Enum})

Line of Demarcation Set

Lender’s LOS takes over from Cloudvirga’s iMP as the system of record for the current loan in response to an action taken by a user

Line of Demarcation has been met with this Action Type Enum {Action Type Enum name and number value}

Line of Demarcation Rollback

Reversing the system of record from the lender’s LOS to Cloudvirga’s iMP  

Line of Demarcation has been rolled back.  

LOS Data Sync

Lender’s LOS performs a sync back of data with Cloudvirga’s iMP  

Sync Back of Loan data from the LOS has been {Successful/Unsuccesful}

Lock Status Updated

1. 
   Receiving one of the following lock status updates from the Cloudvirga Post Site:

• Lock Requested
• Locked  
• Lock Closed
• Lock Cancelled
• Lock Denied  

2. Expiration date for the loan product has expired
   

1. 
   Lock Status Updated to {NewLockStatus} for {finalLoanOfficerRate} % at {finalLoanOfficerPrice} on {productTypeName} ({productCode})  with {lockPeriod} period, by the Pricing Engine

2. Lock Status Updated to {NewLockStatus} by the Pricing Engine

Created Loan

1. Creating a loan in oPOS by clicking New Quote  

2. Creating a loan in oPOS by clicking the Purchase or Refinance links located in the +New menu

3. Creating a loan in cPOS (after clicking the first Next button in the loan application)

1. 
   Created Loan

2.  Created Loan for {Borrower Name}

3. Created loan for {Borrower Name}

Created Loan

Importing a loan via FNM 3.2 file or MISMO

Created Loan for {Borrower}

Created Loan

Creating a new loan by duplicating an existing loan

Created Loan copied from Loan # {Loan Number} (Internal Loan # {Internal Loan Number}) Borrower {Borrower Name} - Created {Created DateTime}.

Duplicate Loan Alert Acknowledged

Opening the loan while related configuration for duplicate loan tracking is enabled

Duplicate Loan Alert acknowledged by {loFullName}

Borrower Login

Borrower logs into cPOS

{Borrower/Co-Borrower Name} has successfully logged into the Consumer Portal

Updated URLA Version Completed

Converting a loan from URLA Version 2009 to URLA Version 2020  

Updated URLA Version {conversionStatus} : The loan {updateStatus} from URLA Version 2009 to URLA Version 2020, by {userAccount.FullName}

Credit Authorization Accepted

Borrower accepted credit authorization in cPOS

OR

oPOS user accepted credit authorization in oPOS on behalf of the borrower

Credit Authorization from {Borrower/Co-Borrower Name} received electronically from IP Address {IP Address}.

Credit Report Retrieved

Credit Report retrieved from credit vendor  

Credit Report retrieved for {Borrower, Co-Borrower Name}.

Decision Score Override

Changing the value of the borrower’s FICO score on the “Shop for Rates” page (oPOS privilege setting)

Credit decision score updated to {ficoScoreValue} by {loanOfficerName}.

Homeowner Ins. Updated

Updating Homeowner’s Insurance amount from any value to $0.00

Homeowner Ins. changed from {From Value} to $0.00 by {Username}.

Property Tax Updated

Updating Property Tax amount from any value to $0.00

Property Tax changed from {From Value} to $0.00 by {Username}.

Loan Application Date Set

Cloudvirga’s iMP collects six pieces of RESPA information and Mega Save is performed  

All 6 Pieces of information have been collected for all 1003 Loan Applications and the Loan Application Date has been set.

1003 Application Completed

Cloudvirga’s iMP collects six pieces of RESPA information and Mega Save is performed

1003 Completed for {Borrower, Co-Borrower}

Secure Link Sent

Secure link is sent from oPOS

{secureLinkType} sent to {recipientNames} by {currentUserName}

Borrower Re-Added/Borrower Removed

Selecting the Is your registered spouse or partner going to be on the loan? switch (on the “Personal” page)

{borrowerFullName} was removed from the loan by: {loanOfficerFullName}

OR

{borrowerFullName} was re-added to the loan by: {loanOfficerFullName}

Asset eVerified

Borrower electronically verifies assets in cPOS

{borrowerName} electronically verified {financialInstitution} Account ****{accountNumber}

VOA Report Created

Verification of Assets report received  

• automatically, triggered by cPOS
• manually, selected in oPOS

A Verification of Assets Report for {includeDays} days has been created, by {borrowerName}

Legal Disclaimer Confirmed

Borrower confirms legal disclaimer in cPOS

Legal Disclaimer was confirmed by {Borrower/Co-Borrower Name} from {IP Address}

Additional Properties Owned

oPOS user dismisses alert message on Credit tab if the borrower has indicated that they own additional properties  

{userAccount.Party.FullName} dismissed the "additional properties owned" alert message on the credit tab for {borrowerNames}.

eVOI/eVOE Authorization Accepted

Running employment verification (eVOI/eVOE)

eVOI/eVOE Authorization from {borrower.FirstName} {borrower.LastName} received electronically from IP Address {IPAddress}.

Accepted eConsent

Borrower or Co-Borrower accepts eConsent in cPOS

{Borrower/Co-Borrower Name} accepted eConsent from IP Address {IP Address} (received from {LoggedInUser Email Address})

Declined eConsent

Borrower or Co-Borrower declines eConsent in cPOS

{Borrower/Co-Borrower Name} declined eConsent from IP Address {IP Address} (received from {LoggedInUser Email Address})

Appraisal Uploaded

Appraisal document received from appraisal vendor

Appraisal Document - {Document Type} uploaded.

Price Concession Deleted

Deleting Rate/Price concession in oPOS

{adjustmentType} Concession for {concessionValue} has been deleted by {LastModifiedBy} for {concessionReason} - {Note}

Price Concession Requested

Adding/requesting a price concession adjustment on the “Locking & Adjustments” page

Price Concession for {concessionValue} has been requested by {LastModifiedBy} for {concessionReason} - {Note}

Rate Concession Requested

Adding/requesting a rate concession adjustment on the “Locking & Adjustments” page

Rate Concession for {concessionValue} has been requested by {LastModifiedBy} for {concessionReason} - {Note}

Price Concession Approved

Approving a price concession adjustment in oPOS  

Price Concession for {concessionValue} has been Approved by {LastModifiedBy} for {Note}

Rate Concession Approved

Approving a rate concession adjustment in oPOS

Rate Concession for {concessionValue} has been Approved by {LastModifiedBy} for {Note}

Price Concession Denied

Denying a price concession adjustment in oPOS

Price Concession for {concessionValue} has been Declined by {LastModifiedBy} for {Note}

Rate Concession Denied

Denying a rate concession adjustment in oPOS

Rate Concession for {concessionValue} has been Declined by {LastModifiedBy} for {Note}

Rate/Price Concession Deleted

Deleting a rate or price concession in oPOS

{adjustmentType} Concession for {concessionValue} has been deleted by {LastModifiedBy} for {concessionReason} - {Note}

Intent to Proceed Received

Signing ‘Intent to Proceed’ in cPOS  

Intent to Proceed received from {Borrower/Co-Borrower Name}

Disclosures Created

Successful response is received for initial disclosures (Lender Broker, Lender Broker Locked, Initial Locked and In Person as well)

Loan Estimate and Initial Disclosure Created for {Borrower, Co-Borrower Name} by Vendor

Assumed Receipt

1. On post processing logic for ScannedAtfFulFillment pushback (success case)

2. When document status is changed to ‘Sent’ (for example: tracking disclosures triggers, on pushback received when borrowers have e-consent, manual update of the document via mailroom)

Assumed receipt of Initial Disclosures Package for {Borrower, Co-Borrower Name} is {Expected Date}.

Initial Disclosures Sent

1. On post-processing logic for ScannedAtFulFillment pushback (success case)

2. When document status is changed to ‘Sent’ (for example: tracking disclosures triggers, on pushback received when borrowers have e-consent, manual update of the document in mailroom)

1. Tracking number available: "Loan Estimate and Initial Disclosures sent to {borrowersName} by {response.SendBy}", otherwise:Loan Estimate and Initial Disclosures sent to {borrowersName} by {response.SendBy} package {response.TrackingNumber }";

2. If loan is not opened in mailroom and the status is changed, then message will be: "Loan Estimate and Initial Disclosures sent to {fullNameOfBorrower} {auditLogSentBy}"

If it is opened in mailroom and we have SentByName (if we have record in DisclosureDetails then it's SentBy column (value from Lookup table for that value and keyword ‘sendingmethods’) otherwise DocumentShippingInformation table and BorrowerSentByName column(value from Lookup table for that value and keyword ‘sendingmethods’)) and trackingNumber (if we have record in DisclosureDetails then it's TrackingNumber otherwise DocumentShippingInformation table and TrackingNumber column), then the message will be: "Loan Estimate and Initial Lock Disclosures sent to {fullNameOfBorrower} {auditMessageDetails}"

Otherwise:

- Message: "Loan Estimate and Initial Lock Disclosures sent to {fullNameOfBorrower}"

Tracking Disclosures

When LOS Setting from System Admin “Disclosure Tracking” is True AND (borrower eConsented/Declined (ONLINE) OR offline) AND one of the following takes place:

1. If disclosure package is in Status "Sent" or "Rejected" AND Save is executed

2. When Sign Initial Disclosures Secure link is sent (ONLINE)

3. When Disclosure Package is uploaded to DocVault AND status of document is set to "Approved" AND Save is executed

4. When Initial Disclosure is Previewed (opened for signing) on cPOS (ONLINE) – update disclosures

Created tracking record for disclosures in {Lender’s LOS}

Initial Disclosures Package Signed

Signing initial disclosure package in cPOS

Initial Disclosures Package was signed by {borrowerName} electronically

Initial Disclosures Package Previewed

Opening initial disclosure package in cPOS

Initial Disclosures Package was previewed by {borrowerName} electronically

Assumed Receipt

#1: On post processing logic for ScannedAtFulFillment pushback (success case)

#2: When document status is changed to Sent (for example: tracking disclosures triggers, on pushback received when borrowers have e-consent, manual update of the document via mailroom)

Assumed receipt of Initial Disclosures Package for {Borrower, Co-Borrower Name} is {Expected Date}.

Compliance Check Received

Compliance check is received

Compliance Check {ComplianceCheckStatus}

Compliance Check Requested

Requesting a compliance check by  

• clicking the Run Compliance Check button on “Loan Details” page
• triggering the creation of initial disclosures  

Compliance Check Requested

Disclosures Process

Document status updates to ‘Sent’

Document {documentName} for {borrowerName} has been marked as sent by {currentUserFullName}

Initial Disclosures Sent

On post-processing logic for Scanned at FulFillment pushback - success case  

If Tracking Number exists:

Loan Estimate and Initial Disclosures sent to {borrowersName} by {SendBy} package {TrackingNumber },

Otherwise:

Loan Estimate and Initial Disclosures sent to {borrowersName} by {SendBy}.

Disclosures Detailed Process

1. 
   Changing disclosure status to

• disclosures
• required
• created
• mailed
• failed
• signed
• requested
• Cancelled

2. Changing document delivery type to ‘Mail/Electronic’

3. Requesting Initial/Preview/In Person/ Selected disclosures if LO has signature

1. Disclosure status has been changed to: {disclosureStatus}

2. Document delivery type has been set to {newDocDeliveryType}

3. The LO Signature has been sent in the Disclosure request to the Vendor

Disclosures Detailed Process

Resending initial disclosure request to vendor after a failed request

Disclosure Request has been rerouted to Lender

Appraisal Requested

Requesting an appraisal in cPOS

OR

Requesting an appraisal in oPOS

Appraisal Order requested by {Borrower}

OR  

Appraisal Order successfully submitted by {Loan Officer}

Appraisal Report Package Viewed

Opening or viewing the appraisal report in cPOS

Appraisal Report Package was viewed by {BorrowerName} electronically

Title Express Pass Decision

Clicking Check Title (on the Property tab or the “Loan Details” page)

Success response:

Express Pass Decision "{clearanceTime}" received for Loan # {loanNumber}, Expiration Date {expirationDate}.

Unsuccessful response:

Express Pass Decision | {errorMessage}

Check Title

One of the following responses is received from title decisioning:

• successful
• unsuccessful

Success response:  

<Vendor> - <Product> time to clear: "<DaysToClear> received for Loan #<lender loan number>. Expiration Date <Title Decision Expiration Date>

Unsuccessful response:

<Vendor> - <Product> <error response>

Loan Number Not Requested

Running credit in cPOS while required fields are not completed  

Loan Number not requested from LOS as required fields were not completed.

Disclose in LOS

Exit workflow rules are met

OR

LO manually clicks Disclose in LOS in oPOS

Loan has been sent to be Disclosed in LOS by: {userFullName}

{Lender’s LOS} Template Applied

Lender’s LOS applies loan template during export process

{Lender’s LOS} Template  {loanTemplateName} has been applied in {Lender’s LOS} successfully, by System

{Lender’s LOS} Template Not Applied

Lender’s LOS does not apply loan template during export process

{Lender’s LOS} Template match not found, Template could not be applied in {Lender’s LOS}, by System

Export to LOS Not Performed

LOS wins rules are satisfied during export process  

Data in the LOS was verified as part of export process, and any further changes to this loan application must be made in the LOS

No Address Export – No License Match

Exporting loan to lender’s LOS and the loan officer is not licensed in subject property state.  

Export of Loan {loanNumber}, Internal Loan Number: {internalLoanNumber}, Borrower {borrowerFullName} to LOS without Subject Property Address; State License not found in {Lender’s LOS} for assigned Loan Officer {losUserId}

No Address Export – No State

Subject property state not provided when exporting to lender’s LOS

Export of Loan {loanNumber}, Internal Loan Number: {internalLoanNumber}, Borrower {borrowerFullName} to LOS without Subject Property Address; State not available

No Address Export – User Authorized

Subject property state not provided when exporting to lender’s LOS, but authorized by the loan officer during the export process.  

Export of Loan {loanNumber}, Internal Loan Number: {internalLoanNumber}, Borrower {borrowerFullName} to LOS without Subject Property Address authorized by user: {username}

Loan Number Updated (by LOS)

Loan number is changed during data sync between lender’s LOS and Cloudvirga’s iMP.  

Loan Number has been updated from {Old Loan Number} to {New Loan Number} due to a Loan Number change in the LOS. Internal Loan Number: {Internal Loan Number}

Loan Officer Reassigned (by LOS)

Loan officer is changed during data sync between lender’s LOS and Cloudvirga’s iMP.

Loan Officer has been reassigned from {Old LO Name} ({Old <Lender‘s LOS> User ID}) to {New LO Name} ({New <Lender’s LOS> User ID}) due to a Loan Officer reassignment in the LOS

Appraisal Receipt

Appraisal receipt by the borrower

{Borrower/Co-Borrower Name} has confirmed receipt of the appraisal.

External Loan Number Created

 eVOI/eVOE is requested AND external loan ID does not already exist

Created External Loan Number {externalLoanId} for eVOI/eVOE Service. Internal Loan Number: {InternalLoanNumber}

PreDisclosures Created

Response received with document

PreDisclosures Package was created for {borrower name} <and {coborrower name}> by {logged in user name}.

PreDisclosures Signed

Borrower signs predisclosures

PreDisclosures Package was signed by {borrower name}.

PreDisclosures Mailed

Creation of predisclosures package for mail delivery

PreDisclosures Package was Mailed {pushback date}.