Consumer Financial Protection Bureau (CFPB)
Service Ordering Instructions with Loan Origination Software
Please contact us for instructions for other loan origination software systems.
Our Docs on Demand system is customizable to facilitate transfer of loan data with
publicly available and proprietary loan origination software.
Document Preparation and Fulfillment Services - Reference Documents
RAV Document Preparation Services - Docs on Demand TRID Portal Screens
Docs on Demand
What is Docs on Demand
The Docs on Demand Closing Document System is a Web-based, multi-client, mortgage
closing document delivery system.
Data Entry: Mortgage closers can enter data or import data from a variety
of commercially available loan origination systems. Data entry is performed on a
web browser, and requires no special software other than the web browser and an
internet connection. All system maintenance, software, documents, and updates are
Business Rules: A business rules database contains tables of business policies
and contact information for multiple investors, brokers, and correspondents, as
well as for other loan policies that vary with states, agencies, loan products,
fees, and documents. The business rules database controls everything in the loan
package, including the layout of data screens, the available loan products, the
loan fees, the selection of documents to be printed, validation formulas, and much
Document Production: The resulting disclosures, notes, riders, security instruments,
and other documents are packaged in Adobe PDF format for quality control and distribution
to the point of closing. Document packages are distributed over a secure download
site with email notifications sent automatically to single or multiple parties.
Tracking: The stages of processing, funding, quality control, and document
delivery are traced by the program in a time-stamped record showing the time, date,
and closer performing each operation. Billing for the services allows for line items
within each loan either to be billed at closing or to be invoiced cumulatively to
Reliability: Docs on Demand is hosted in a secure physical plant, located
in Houston on the "Internet Backbone", with generator power backup and full building
security. The system is available to users 24 x 7, to accommodate any working schedule
as well as last minute document updates.
Customization and Updates: The data entry screens, validation rules, and
document selection are all created with an "Application Authoring System", which
allows modification to all these features on a day-to-day basis without the need
to re-write programming code.
Security: Each closer, administrator, and other parties operating the application
are set up with a specific username and password by a system administrator. Each
loan file contains tracking information that traces the time, date, and user performing
data modifications and producing documents for that loan.