Document Statuses Explained

What each document status means: Requested, Uploaded, Approved, Needs Re-upload, and more.

Every document request on the checklist has a status that tells you — and your borrower — exactly where things stand. Statuses are visible to both you and the borrower in real time.

Item statuses

Requested

Gray badge

The default state when a loan file is created. No files have been uploaded yet. The borrower can see this item in their portal and is expected to upload documents.

Partial

Yellow badge

The borrower has uploaded at least one file, but the item description suggests more may be needed (e.g., "Bank Statements (Last 2 Months)" and only one month was uploaded). BorrowerDocs sets this automatically based on upload activity.

This status signals that something is in — but the borrower or broker may need to take further action before it's ready for review.

Uploaded

Blue badge

Files have been submitted and the item appears ready for your review. This is the status a fully-uploaded item reaches before you've looked at it. The borrower cannot re-upload once you've moved to Approved or Needs Re-upload.

Approved

Green badge

You've reviewed the uploaded files and marked them as acceptable. Approved items:

Count toward the export total
Show as complete in the borrower's portal
Are included in the ZIP when you export the file

Needs Re-upload

Red badge

You've reviewed the files and determined they don't meet requirements — wrong document, poor quality, incomplete, or expired. The borrower sees this status in their portal and can upload a corrected version.

When you set an item to Needs Re-upload, use the Q&A thread on that item to explain what specifically needs to be fixed. This saves back-and-forth.

Typical status flow

Most items follow this path:

Requested → Uploaded → Approved

When corrections are needed:

Requested → Uploaded → Needs Re-upload → Uploaded → Approved

The Partial status can appear between Requested and Uploaded when files start coming in incrementally.

You can manually set any item to any status at any time from the action menu on the checklist.

What borrowers see

Borrowers see the same status badges in their portal as you see on the checklist. The labels and colors match so there's no confusion about what's been accepted and what needs attention.

Status	What borrowers are told
Requested	Upload required
Partial	Keep uploading — more may be needed
Uploaded	Under review
Approved	Accepted — no further action needed
Needs Re-upload	Please upload a corrected version

Next steps

Working the Checklist — how to approve items and request re-uploads
Exporting & Closing a File — once all items are approved