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Information requests are used by underwriters to collect additional details or documentation when automated processing or manual review identifies missing, incomplete, or unclear information. Information requests may occur after an application has been submitted and is under review.
Information requests do not represent an application status. While information requests are outstanding, the application remains in the Pending state. Multiple information requests can be active simultaneously for a single application.
This mechanism allows underwriting to pause evaluation while awaiting specific inputs, without requiring the application to be resubmitted.

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Information request lifecycle

Each information request progresses through the following statuses as defined in the UnderwritingInformationRequestStatus enum:

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Requested

The underwriter has requested additional information.
  • The request includes instructions describing the information required
  • The request is visible via the underwritingInformationRequests query
  • The application remains in Pending status
ScenarioDuring manual review, an underwriter notices that Ben’s address doesn’t match records from a third-party verification service. They create an information request asking for proof of his current address, such as a utility bill or lease agreement for his keyboard business location.

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Fulfilled

The requested information has been provided and received by the platform.
  • Information is provided using fulfillUnderwritingInformationRequests
  • Once fulfilled, the underwriter can review the provided information
  • The application may transition to Decisioned after all requests are fulfilled and reviewed

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Information request options

The platform provides pre-defined information request options that underwriters can use for common scenarios. These options ensure consistency in how information is requested. Query available options using the underwritingInformationRequestOptions query.
Information request options help standardize common requests and make it easier for integrators to anticipate and handle typical information request scenarios.
query UnderwritingInformationRequestOptions {
  underwritingInformationRequestOptions {
    id
    title
    description
    isActive
    displayOrder
  }
}

{
  "data": {
    "underwritingInformationRequestOptions": [
      {
        "id": "e1f2a3b4-c5d6-4e7f-8091-021324354657",
        "title": "Proof of Address",
        "description": "Request documentation to verify business address",
        "isActive": true,
        "displayOrder": 1
      },
      {
        "id": "f2a3b4c5-d6e7-4f80-9102-132435465768",
        "title": "Bank Statements",
        "description": "Request recent bank statements for financial verification",
        "isActive": true,
        "displayOrder": 2
      }
    ]
  }
}
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