Industry Guide: Financial Services & Lending

This guide walks through a complete Docyard setup for a lending company distributing loan documents. Docyard’s four stakeholder classes map to financial services workflows:

Docyard Role	Financial Services Persona	Access Pattern
Mortgagee	Warehouse Lender / Investor	Bulk API for loan docs
Agent	Loan Officer / Broker	Portal + bulk download
Policyholder	Borrower	Self-service portal
Auditor	Regulatory Examiner (OCC/CFPB)	Time-boxed read-only

Step 1: Create a Dock

Create a dock for the lending company:

curl -X POST https://api.docyard.io/v1/docks \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Summit Capital Partners",
    "domain": "summitcapital.com",
    "legalName": "Summit Capital Partners LLC",
    "businessType": "llc",
    "businessEmail": "[email protected]"
  }'

Step 2: Upload Documents

Upload loan documents. Docyard computes a SHA-256 hash and deduplicates automatically.

# Upload a loan estimate
curl -X POST https://api.docyard.io/v1/docks/dock_01HQ3K.../artifacts/upload \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -F "[email protected]"

# Upload a promissory note
curl -X POST https://api.docyard.io/v1/docks/dock_01HQ3K.../artifacts/upload \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -F "[email protected]"

Tag artifacts with lending metadata for policy routing:

curl -X POST https://api.docyard.io/v1/docks/dock_01HQ3K.../artifacts \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "filename": "loan-estimate-LN-2025-78300.pdf",
    "metadata": {
      "loan_number": "LN-2025-78300",
      "document_type": "loan-estimate",
      "loan_program": "conventional-30yr",
      "origination_date": "2025-02-01"
    }
  }'

Step 3: Add Recipients (All Four Personas)

Warehouse Lender / Investor — Bulk API access

curl -X POST https://api.docyard.io/v1/docks/dock_01HQ3K.../recipients \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Vanguard Warehouse Lending",
    "email": "[email protected]",
    "stakeholderClass": "mortgagee",
    "identifiers": {
      "investor_id": "VWL-5500",
      "loan_number": "LN-2025-78300"
    }
  }'

Loan Officer / Broker — Portal + bulk download

curl -X POST https://api.docyard.io/v1/docks/dock_01HQ3K.../recipients \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Marcus Johnson — Keystone Mortgage",
    "email": "[email protected]",
    "stakeholderClass": "agent",
    "identifiers": {
      "nmls_id": "NMLS-334421",
      "loan_number": "LN-2025-78300"
    }
  }'

Borrower — Single retrieval via portal

curl -X POST https://api.docyard.io/v1/docks/dock_01HQ3K.../recipients \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Jennifer & Thomas Wright",
    "email": "[email protected]",
    "stakeholderClass": "policyholder",
    "identifiers": {
      "phone": "+1-704-555-0312",
      "date_of_birth": "1988-03-27",
      "loan_number": "LN-2025-78300"
    }
  }'

Regulatory Examiner — Time-boxed read-only

curl -X POST https://api.docyard.io/v1/docks/dock_01HQ3K.../recipients \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "OCC — Sandra Liu",
    "email": "[email protected]",
    "stakeholderClass": "auditor",
    "identifiers": {
      "badge_id": "OCC-2025-EX-0204",
      "nda_hash": "sha256:a1b2c3d4e5f6..."
    }
  }'

Step 4: Create Access Policies

Investor bulk access policy

curl -X POST https://api.docyard.io/v1/docks/dock_01HQ3K.../policies \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Investor Bulk Loan Doc Access",
    "recipe": "{\"stakeholderClass\":\"mortgagee\",\"artifactTypes\":[\"promissory-note\",\"closing-disclosure\",\"appraisal\",\"underwriting-decision\"],\"auth\":{\"factors\":[\"shared_passphrase\",\"tls_certificate\"],\"tls\":{\"require_mutual\":true}},\"access\":{\"method\":\"bulk_api\",\"max_batch_size\":10000},\"match\":{\"identifiers\":[\"investor_id\",\"loan_number\"]}}"
  }'

Loan officer portal access policy

curl -X POST https://api.docyard.io/v1/docks/dock_01HQ3K.../policies \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Loan Officer Portal & Download",
    "recipe": "{\"stakeholderClass\":\"agent\",\"artifactTypes\":[\"loan-estimate\",\"closing-disclosure\",\"application-packet\",\"rate-lock\",\"underwriting-decision\",\"appraisal\"],\"auth\":{\"factors\":[\"webauthn\"],\"webauthn\":{\"challenge_type\":\"platform_or_cross_platform\"}},\"access\":{\"method\":[\"portal\",\"bulk_download\"]},\"match\":{\"identifiers\":[\"nmls_id\",\"loan_number\"]}}"
  }'

Borrower self-service policy

curl -X POST https://api.docyard.io/v1/docks/dock_01HQ3K.../policies \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Borrower Self-Service Portal",
    "recipe": "{\"stakeholderClass\":\"policyholder\",\"artifactTypes\":[\"loan-estimate\",\"closing-disclosure\",\"promissory-note\",\"payment-schedule\"],\"auth\":{\"factors\":[\"sms_otp\"],\"otp\":{\"delivery\":\"sms\",\"code_length\":6,\"ttl_seconds\":300}},\"access\":{\"method\":\"portal\",\"max_concurrent_downloads\":1},\"match\":{\"identifiers\":[\"email\",\"date_of_birth\",\"loan_number\"]}}"
  }'

Regulatory examination audit policy

curl -X POST https://api.docyard.io/v1/docks/dock_01HQ3K.../policies \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "OCC Regulatory Examination — Q1 2025",
    "recipe": "{\"stakeholderClass\":\"auditor\",\"artifactTypes\":[\"*\"],\"auth\":{\"factors\":[\"badge_id\",\"nda_hash\"],\"nda\":{\"hash_algorithm\":\"sha256\",\"require_match\":true}},\"access\":{\"method\":\"portal\",\"read_only\":true,\"download_enabled\":false},\"match\":{\"identifiers\":[\"badge_id\",\"nda_hash\"]},\"constraints\":{\"time_window\":{\"start\":\"2025-01-15T00:00:00Z\",\"end\":\"2025-03-15T00:00:00Z\"},\"auto_expire\":true}}"
  }'

Publish the investor policy to production:

curl -X POST https://api.docyard.io/v1/docks/dock_01HQ3K.../policies/pol_01HQ3P.../publish \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "stage": "production" }'

Step 5: Generate Investor Passphrase

The investor’s policy requires a shared passphrase. Generate one:

curl -X POST https://api.docyard.io/v1/recipients/rcp_01HQ3N.../secrets \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Vanguard Warehouse Lending — API Passphrase",
    "expiresInDays": 90
  }'

The secret value is returned only once. Securely transmit it to the investor. Docyard stores only the SHA-256 hash and cannot recover the plaintext.

Step 6: Investor Retrieves via Bulk API

The investor creates a bulk retrieval job for loan documents:

curl -X POST https://api.docyard.io/v1/retrieval/jobs \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "dockId": "dock_01HQ3K...",
    "recipientId": "rcp_01HQ3N...",
    "metadata": { "document_type": "promissory-note" },
    "sinceTimestamp": "2025-01-01T00:00:00.000Z"
  }'

Fetch results with signed download URLs:

curl https://api.docyard.io/v1/retrieval/jobs/job_01HQ3Q.../results \
  -H "Authorization: Bearer YOUR_API_KEY"

Compliance Notes: TRID/Reg Z & SOX

Financial services document distribution must comply with multiple regulatory frameworks:

TRID (TILA-RESPA Integrated Disclosure): Borrowers must receive the Loan Estimate within 3 business days of application and the Closing Disclosure at least 3 business days before closing. Docyard’s audit log provides timestamped proof of delivery for both.
Regulation Z: Requires clear disclosure of loan terms, APR, and payment schedules. The borrower self-service portal ensures borrowers can access these documents at any time.
SOX (Sarbanes-Oxley): Publicly traded lenders must maintain auditable records of financial transactions. Docyard’s immutable audit log and policy versioning provide the documentation trail required for SOX compliance.
Warehouse lending: Investors and warehouse lenders need real-time access to loan documents for funding decisions. The bulk API with mTLS ensures secure, high-volume document retrieval.
Examiner access: OCC and CFPB examiners require time-limited access to loan files during regulatory examinations. The auditor policy’s auto-expiring time window ensures access is automatically revoked when the examination period ends.

Persona Summary

Persona	Financial Services Role	Auth Factors	Access Method	Key Identifiers
Mortgagee	Warehouse Lender / Investor	Passphrase + mTLS	Bulk API	`investor_id`, `loan_number`
Agent	Loan Officer / Broker	WebAuthn	Portal + bulk download	`nmls_id`, `loan_number`
Policyholder	Borrower	DOB + SMS OTP	Portal (single retrieval)	`email`, `date_of_birth`, `loan_number`
Auditor	Regulatory Examiner	Badge ID + NDA hash	Portal (read-only, no download)	`badge_id`, `nda_hash`

Next Steps

Verify your domain to enable the branded borrower portal
Import recipients in bulk via CSV
Simulate policies before publishing
Read the full Policy Recipes guide for advanced patterns

Guides

Industry Guides

Industry Guide: Financial Services & Lending

Industry Guide: Financial Services & Lending

Step 1: Create a Dock

Step 2: Upload Documents

Step 3: Add Recipients (All Four Personas)

Warehouse Lender / Investor — Bulk API access

Loan Officer / Broker — Portal + bulk download

Borrower — Single retrieval via portal

Regulatory Examiner — Time-boxed read-only

Step 4: Create Access Policies

Investor bulk access policy

Loan officer portal access policy

Borrower self-service policy

Regulatory examination audit policy

Step 5: Generate Investor Passphrase

Step 6: Investor Retrieves via Bulk API

Compliance Notes: TRID/Reg Z & SOX

Persona Summary

Next Steps

Guides

Industry Guides

​Industry Guide: Financial Services & Lending

​Step 1: Create a Dock

​Step 2: Upload Documents

​Step 3: Add Recipients (All Four Personas)

​Warehouse Lender / Investor — Bulk API access

​Loan Officer / Broker — Portal + bulk download

​Borrower — Single retrieval via portal

​Regulatory Examiner — Time-boxed read-only

​Step 4: Create Access Policies

​Investor bulk access policy

​Loan officer portal access policy

​Borrower self-service policy

​Regulatory examination audit policy

​Step 5: Generate Investor Passphrase

​Step 6: Investor Retrieves via Bulk API

​Compliance Notes: TRID/Reg Z & SOX

​Persona Summary

​Next Steps

Industry Guide: Financial Services & Lending

Step 1: Create a Dock

Step 2: Upload Documents

Step 3: Add Recipients (All Four Personas)

Warehouse Lender / Investor — Bulk API access

Loan Officer / Broker — Portal + bulk download

Borrower — Single retrieval via portal

Regulatory Examiner — Time-boxed read-only

Step 4: Create Access Policies

Investor bulk access policy

Loan officer portal access policy

Borrower self-service policy

Regulatory examination audit policy

Step 5: Generate Investor Passphrase

Step 6: Investor Retrieves via Bulk API

Compliance Notes: TRID/Reg Z & SOX

Persona Summary

Next Steps