Overview
Dynamic AI Autofill helps loan teams collect key borrower documents earlier, reduce manual data entry, and work from a more complete application. This article explains what happens within the workflow, what loan teams should expect after borrower submission, and how uploaded documents behave across Floify.
Borrower Experience
When Dynamic AI Autofill is enabled, borrowers are guided through up to three early steps in Apply Now:
- Work and Income
- Bank Accounts
- Review and Complete
Borrowers can upload supported documents, review extracted values, edit missing or incorrect details, and then continue into the full application. See our borrower help article here: Using Apply Now Dynamic AI to Fill your Borrower Loan Application
Employment and Income
In the Employment and Income step, borrowers can add employment details and upload documents to help prefill supported employment and income fields.
- Add a current employer
- Indicate wage-earner or self-employed status
- Upload available pay stubs and W-2s for wage-earner employment
- Enter missing details such as job title or any values not available from the document
- Add additional employment history to help complete 24 months of history
During review, the borrower can edit fields inline before adding the employment record to their application.
Bank Accounts Flow
In the Bank Accounts step, borrowers can upload bank statements so supported checking or savings asset details can be added to the application.
What the borrower can do
- Enter the institution name
- Upload recent bank statements
- Review extracted account details and balances
- Add another account if needed
- Continue into the full application after submitting the account information
After the Borrower Completes Autofill
Once the borrower completes the autofill review, they are returned to the standard Apply Now workflow. The extracted and confirmed data remains in the application, and the borrower can continue completing the rest of the 1003 as usual.
Loan Teams Should Expect
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More complete application data earlier
Applications are submitted with supported employment, income, and asset information already started or completed.
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Earlier document collection
Because documents are requested at the beginning of the application, loan teams may receive key financial files earlier than they would in a standard application experience automatically.
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Editable application data
Borrowers can still edit information after autofill, and loan teams should treat the application as borrower-reviewed.
Document Management
Uploaded documents are retained and standardized so they can be used consistently across the workflow.
How Uploaded Documents Are Stored
Completed applications
When the application converts, uploaded documents are added to the live loan flow directly.
Incomplete applications
If the borrower uploads documents but does not finish the application, the application and uploaded files remain available for review and download from the Prospects tab.
Document Naming Conventions
Uploaded files are standardized using borrower-friendly naming. Common formats include:
- W-2: W-2 (EmployerName, Year) - Borrower Name.pdf
- Pay Stub: Pay Stub (EmployerName, YYYY-MM-DD) - Borrower Name.pdf
- Bank Statement: Bank Statement (NameOfBank, TypeOfAccount, Last4Digits, YYYY-MM-DD) - Borrower Name.pdf
- Miscellaneous Documents: Miscellaneous Documents - Borrower Name.pdf
Auto Doc Request Management
If your team has Apply Now Auto Doc Request settings, uploaded documents can satisfy matching template doc requests automatically. This helps reduce duplicate requests when a borrower has already provided the needed file during Apply Now.
Best Practices for Loan Teams
- Enable the feature only after reviewing both company and team settings.
- Set up document upload mappings if you use auto doc requests heavily.
- Review uploaded documents and borrower-entered edits together.
- Set borrower expectations that uploaded data should still be reviewed for accuracy.
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