Generate Disclosures for a Loan

Step-by-step guide to auditing a document package, sending disclosures for e-signature, downloading the PDF, and reviewing disclosure history.

This guide walks you through the Disclosure tab: choosing a document package, running its compliance audit, sending the disclosures for electronic signature, and reviewing what has already been disclosed.

Disclosures need a connected MeridianLink session

Sending disclosures acts as you in MeridianLink, so the audit log records who generated the package. If an action is blocked with a "reconnect to MeridianLink" message, reconnect from your account menu and try again.

Open the Disclosure tab

Open the loan from your Pipeline (click the loan number).
In the loan's left-hand tab rail, click Disclosure.

The tab shows the Initial Disclosures workflow at the top, the available document packages below it, and — side by side underneath — Past Disclosures and Audit History.

Audit a document package

(Optional) Pick a Plan code from the dropdown if your package needs one. The plan code is saved to the loan before the audit runs.
Find the package you want and click Audit.
The audit results open in a window. Review the findings:

Finding	What it means
fatal	Blocks generation. Fix the underlying loan data, then audit again.
error / warning	Worth reviewing, but generation can still proceed.
info	Informational only.

If the audit passes (no fatal findings), the Preview and Generate buttons become available.

Picking specific forms

When a package supports individual documents, a forms picker appears in the results window. Select only the forms you want, or leave it untouched to generate the whole package.

Preview or generate

Preview opens the document in a new browser tab so you can check it before sending. Previewing does not send anything for signature.
Generate produces the package, sends it for e-signature, and downloads the PDF to your computer.

When you generate, the loan records the disclosure-sent date — the Disclosure tab in the rail picks up a status mark, and the workflow card updates to Sent. Once borrowers finish signing, it moves to Signed.

Test loans only in non-production

Outside production, generation is restricted to test files: the primary borrower's last name must contain TEST. This prevents disclosing against a real borrower by accident while testing.

If the loan is lender-paid: record the safe-harbor comparison

If the loan's compensation is lender-paid (LPC), the Disclosure tab shows an Anti-Steering Safe Harbor card at the top. Record the comparison of loan options you presented to the borrower:

Click Record comparison on the card.
Fill in the three options — With Risky Features, Without Risky Features, and Lowest Interest Rate — with each option's rate and total originator compensation, plus the recommended loan's compensation.
Click Save comparison. The card switches to Recorded.

A reminder, not a blocker

You can still generate disclosures before recording the comparison — the portal will not stop you. The card is a non-blocking reminder so the lender-paid safe-harbor comparison ends up on file. Borrower-paid loans never see this card.

Review what has been disclosed

Past Disclosures lists the Loan Estimate and Closing Disclosure status dates recorded in MeridianLink (sent / signed / delivery method).
Audit History shows the MeridianLink audit log, filtered to the Disclosure/E-Sign category by default. Switch categories with the dropdown, or type in the search box to filter by description.

Watch e-signing progress

After a package is sent, the E-Sign Activity timeline (loans only) tracks the signing ceremony — from the package being created through to Package Completed. It refreshes on its own while the tab is open, so new signing activity appears without reloading the page.