Disclosures

Disclosures are regulatory documents that borrowers must review and sign at various stages of the loan process. Pylon automatically generates and sends disclosures, but you need to retrieve signing links and track signing status.

Types of disclosures

Disclosure Type	When Issued	Purpose
Initial Disclosure	After rate lock or 3 days after attaching product structure	Loan Estimate and initial disclosures (TRID requirement)
Redisclosure	When loan terms change after initial disclosure	Updated Loan Estimate if terms change
Closing Disclosure	When loan reaches “Clear to Close”	Final closing costs and loan terms (must be delivered 3 days before closing)

Retrieving disclosures

Query disclosures using the disclosuresHistory query and filter by packageType:

query GetDisclosures($loanId: ID!) {
  disclosuresHistory(loanId: $loanId) {
    disclosures {
      packageType
      status
      sentOn
      completedOn
      recipients {
        displayName
        email
        signed
        type
        link {
          url
          accessToken
        }
      }
      documentLinks {
        id
        title
        url
      }
    }
  }
}

Filter the results by packageType to get specific disclosure types:

INITIAL_DISCLOSURE - Initial disclosures (Loan Estimate)
REDISCLOSURE - Redisclosures (updated Loan Estimate)
CLOSING_DISCLOSURE - Closing disclosures (Closing Disclosure)

Disclosure status

Status	Description
`SENT`	Disclosure has been sent to borrowers
`COMPLETED`	All recipients have signed, including borrowers and loan officer (LO)
`SENDING`	Disclosure is being sent
`FAILED`	Disclosure sending failed
`CANCELLED`	Disclosure was cancelled
`EXPIRED`	Disclosure signing link expired

For borrower experiences and ITP checking: The COMPLETED status includes all recipients (borrowers and LO). If you’re building borrower-facing experiences or checking if Intent to Proceed (ITP) was received, use the Checking for Intent to Proceed (ITP) section instead, which checks only borrower signatures.

Getting signing links

Each disclosure has recipients[] that contain signing links. Query disclosuresHistory and filter by packageType:

query GetDisclosureSigningLinks($loanId: ID!) {
  disclosuresHistory(loanId: $loanId) {
    disclosures {
      packageType
      recipients {
        displayName
        signed
        link {
          url
          accessToken
        }
      }
    }
  }
}

The link.url contains the signing URL, and link.accessToken is the authentication token needed to access it.

Using signing links

When you get a disclosure URL and access token back, you need to submit the access token via an HTML POST request into an iframe to access and sign the disclosure packet. Here’s a React component implementation:

import React from "react";

/*
 * Inputs to this component are:
 * document URL, title, and access token
 */
interface PdfSsoViewerProps {
  url: string;
  title?: string;
  accessToken?: string;
}

/*
 * Styles for the PDF SSO Viewer component.
 * The container is set to scroll and the iframe is styled to fit within it.
 */
const styles = {
  container: {
    display: "flex",
    flexDirection: "column" as const,
    width: "100%",
    height: "100%",
    flex: 1,
    overflow: "auto",
    frameBorder: "0",
  },
  iframe: {
    width: "100%",
    height: "100%",
    flex: 1,
    border: "none",
    scrolling: "auto",
    frameBorder: "0",
  },
};

/**
 * PdfSsoViewer component renders an iframe that loads a PDF document
 * using a single sign-on (SSO) mechanism. It automatically submits a form
 * with the access token to the specified URL when the component mounts.
 *
 * @param {PdfSsoViewerProps} props - The properties for the component.
 * @returns {JSX.Element} The rendered component.
 */
export const PdfSsoViewer = ({
  url,
  title,
  accessToken,
}: PdfSsoViewerProps) => {
  /*
   * Effect to automatically submit the form when the component mounts.
   * This is used to pass the access token to the SSO URL.
   */
  React.useEffect(() => {
    (document.getElementById("redirect-form") as HTMLFormElement)?.submit();
  }, []);

  return (
    <div
      style={{
        ...styles.container,
      }}
    >
      <iframe
        name={"sso-viewer"}
        title={`${title ?? ""}`}
        style={styles.iframe}
      ></iframe>
      <form
        action={`${url}`}
        method={"post"}
        id={"redirect-form"}
        target={"sso-viewer"}
        style={{ display: "none" }}
      >
        <input name={"access_token"} type={"hidden"} value={`${accessToken}`} />
        <input name={"cookiePassthrough"} type={"hidden"} value={"true"} />
      </form>
    </div>
  );
};

How it works:

The component creates a hidden form with method="post" that targets an iframe
The form includes the access_token as a hidden input field with the value from link.accessToken
The form’s action is set to the link.url from the disclosure query
When the component mounts, it automatically submits the form, which POSTs the access token to the disclosure URL
The disclosure signing interface loads in the iframe, authenticated via the access token

Usage example:

// After querying disclosuresHistory and filtering by packageType
const initialDisclosure = disclosuresHistory.disclosures.find(
  d => d.packageType === "INITIAL_DISCLOSURE"
);
const disclosureLink = initialDisclosure?.recipients[0]?.link;

<PdfSsoViewer
  url={disclosureLink.url}
  accessToken={disclosureLink.accessToken}
  title="Initial Disclosure Packet"
/>

Checking signing status

Check if all borrowers have signed by querying the signed field for each recipient:

query CheckDisclosureSigningStatus($loanId: ID!) {
  disclosuresHistory(loanId: $loanId) {
    disclosures {
      packageType
      recipients {
        displayName
        signed
        type
      }
    }
  }
}

Checking for Intent to Proceed (ITP)

Intent to Proceed (ITP) is established when all borrowers (type) have signed the INITIAL_DISCLOSURE. To check for ITP:

Query disclosuresHistory and filter for packageType: "INITIAL_DISCLOSURE"
Check that all recipients with type === "BORROWER" have signed === true

query CheckITP($loanId: ID!) {
  disclosuresHistory(loanId: $loanId) {
    disclosures {
      packageType
      recipients {
        type
        signed
        displayName
      }
    }
  }
}

Filter the results to find the disclosure where packageType === "INITIAL_DISCLOSURE", then verify that all recipients with type === "BORROWER" have signed === true. ITP is required before order-outs can be triggered automatically.

Signing workflow

Retrieve disclosure

Query the disclosuresHistory query to get disclosure information and signing links. Filter by packageType to get the specific disclosure type you need.

Get signing URL

Extract the recipients[].link.url and link.accessToken for each borrower.

Direct borrower to signing

Open the signing URL in a browser or embedded viewer. The URL includes authentication via the access token.

Poll for signing status

Poll the disclosuresHistory query to check when recipients[].signed becomes true.

Confirm ITP

Once all borrowers have signed initial disclosures, ITP is established and order-outs automatically trigger.

Disclosure previews

Before disclosures are sent, you can preview them using the disclosuresPreviews query:

query PreviewDisclosures($loanId: String!) {
  disclosuresPreviews(loanId: $loanId) {
    initialDisclosure {
      documentLinks {
        id
        title
        url
      }
    }
    closingDisclosure {
      documentLinks {
        id
        title
        url
      }
    }
  }
}

Previews show individual document URLs (vs. a single packet URL), making it easier to display documents in your UI.

TRID timing requirements

TRID timing is critical: Closing disclosures must be delivered to borrowers at least 3 business days before closing. Monitor the loan stage and ensure closing disclosures are requested and delivered in time.

Initial disclosures: Must be sent within 3 business days of selecting a loan product (or when rate is locked, whichever comes first)
Closing disclosures: Must be delivered at least 3 business days before closing
Redisclosures: Required when loan terms change after initial disclosure

Best practices

Poll for new disclosures - Check for new disclosures every 30-60 minutes
Notify borrowers immediately - Alert borrowers when disclosures are available for signing
Track signing status - Poll regularly to confirm all borrowers have signed
Handle expired links - Re-query disclosuresHistory if signing links expire
Explain importance - Help borrowers understand that signing disclosures establishes ITP and triggers order-outs, moving the loan forward

Order-Outs Overview - Understand when disclosures trigger order-outs
TRID (TILA-RESPA Integrated Disclosure) - Learn about TRID requirements
Tracking loan updates - Monitor disclosure status changes
Tasks - Learn about disclosure-related tasks

GET STARTED

EXAMPLES

ELEMENTS

CORE ENTITIES

Types of disclosures

Retrieving disclosures

Disclosure status

Getting signing links

Using signing links

Checking signing status

Checking for Intent to Proceed (ITP)

Signing workflow

Disclosure previews

TRID timing requirements

Best practices

​Types of disclosures

​Retrieving disclosures

​Disclosure status

​Getting signing links

​Using signing links

​Checking signing status

​Checking for Intent to Proceed (ITP)

​Signing workflow

​Disclosure previews

​TRID timing requirements

​Best practices

​Related resources

Types of disclosures

Retrieving disclosures

Disclosure status

Getting signing links

Using signing links

Checking signing status

Checking for Intent to Proceed (ITP)

Signing workflow

Disclosure previews

TRID timing requirements

Best practices

Related resources