INDUSTRY FIELD GUIDE
Loan broker disclosure version data for AI review
A loan estimate sent early in a conversation may be superseded before closing.
NAICS 522310 · Mortgage and Nonmortgage Loan Brokers
A loan estimate sent early in a conversation may be superseded before closing. CFPB publishes sample loan estimates and closing disclosures. A broker can design an exercise that asks an assistant to compare the correct practice documents and flag missing evidence. CFPB disclosure forms and samples
Create an invented transaction with two estimates, one corrected disclosure, and a condition that was requested but never cleared. Ask which changes are evidenced by the supplied versions, which packet was current on the exercise date, and what remains unknown. Give the assistant fictional values and keep the human review key separate. The exercise makes no recommendation on loan suitability.
Do not use borrower files, income or credit data, signatures, real property identifiers, or confidential lender requirements. Use independently authored examples or permitted public forms filled with fictional data.
Describe a loan packet evaluation
Original Fiund exercise
A corrected disclosure does not clear an outstanding condition
An independently written mock loan packet uses arbitrary practice amounts. It contains no borrower, credit data, property identifier or real lender requirement.
| Record | Source | What it records |
|---|---|---|
| LD1 | Estimates E1 and E2 | Transaction L-A: E1 issued day 1 lists charge C=40. E2 issued day 4 explicitly replaces E1 and lists C=45. |
| LD2 | Disclosure D2 | Issued day 6; replaces disclosure D1, names L-A and lists C=45. Requested exercise date day 7. |
| LD3 | Condition tracker | Condition K requested day 5; status awaiting reviewer confirmation. Neither E2 nor D2 states that K was cleared. |
Question for the model
Which supplied versions are current on day 7, what charge change is evidenced, and is condition K cleared?
Show the reference answer and checks
LD1 identifies E2 as the replacement estimate and LD2 identifies D2 as the replacement disclosure, both available by day 7. The estimate's charge C rises from 40 to 45 practice units, and D2 shows the same 45-unit field. LD3 leaves K awaiting confirmation; a later disclosure is not evidence that the requested condition was satisfied. Report the version comparison and open condition separately for human review.
- Comparing the original estimate with a superseded disclosure instead of the named current versions.
- Inferring that a condition cleared because a later document was issued.
Fields to preserve
- Transaction and document class
- Separates estimates from disclosures.
- Issue date and replacement link
- Selects the as-of versions.
- Charge reference and condition state
- Distinguishes changed figures from workflow completion.
Test another case
Move the exercise cutoff to day 3. Require E1 selection and state that E2 and D2 were not yet issued.
Use original fictional forms. Exclude actual financial histories, signatures and confidential lender terms; no suitability or closing decision belongs in the sample.
Discuss a contribution
Describe the sources you control, the task they could support and what has already been checked. Use the existing-data assessment for an archive or the collection brief for a new recording project. The contributor agreement defines Fiund’s licensing authority and compensation. A guide or fictional exercise does not establish an accepted collection or a sale.