The processor actually processes the loan.
Processing should not mean forwarding every condition, copying the loan officer on every message and waiting to be told what to do next.
Wheels Up owns the processing workflow from setup through closeout. We actively move the file, communicate directly with borrowers, explain what’s needed, organize the work and involve the loan officer when the action genuinely belongs with them.
Eight stages. One accountable operation.
Every stage below is work Wheels Up actively owns — not a checklist we watch the loan officer complete.
Setup and registration
We open and register the file inside your LOS, build the document checklist from the loan profile, and set the timeline and communication expectations so nothing starts loose.
Disclosures
We prepare, send and track disclosures within your established lender workflow, confirm they are delivered on time and keep the disclosure record complete.
Document collection and follow-up
We run the document chase — borrower items, third-party items, expired items — with routine follow-up that does not stop until the file is complete. We explain to borrowers what each item is and why it’s needed, answer processing questions and keep them informed at every step.
Third-party orders
We place and manage the orders the file needs—appraisal, title, credit, flood and other third-party items—and track them until they are in.
Submission
We organize and submit complete, reviewed packages to the lender instead of forwarding loose documents and hoping the loan officer catches the gaps.
Conditions
We review conditions, work them forward, obtain and organize what is needed, and resubmit with direction — not a forwarded email. We explain conditions to borrowers in plain language and guide them through what’s needed.
Closing and funding coordination
We coordinate the closing and funding steps across the parties involved and keep the sequence moving through disbursement.
Closeout
We finish the file after closing: final documents collected, the file completed and closed out properly.
The loan officer keeps origination, product selection, pricing, locks, lender choice and lender-required LO actions. Wheels Up owns the processing work and the follow-through between those decisions.
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