Auto-Validation

Overview

The eNote auto-validation feature automatically verifies the consistency of data between an eNote and the data from your system of record. This data from your system of record can be uploaded through our API, either in bulk via a CSV file or individually. This feature helps maintain data accuracy, reducing manual verification efforts and minimizing errors.

Configuration

Your Snapdocs Implementation Specialist will help you enable and configure the auto-validation feature for your eVault. To ensure seamless integration with your existing system, the field names for the eNote data can be customized to match your system data fields.

Data submission

Bulk data submission in CSV format

Prepare a CSV file with the column names set up during the configuration step. Additional columns can be present in the CSV and will be ignored. e.g.

MIN,LOAN_NUMBER,FIRST_PAYMENT_DATE,LOAN_AMOUNT,NOTE_RATE,PI,MATURITY_DATE,STREET_ADDRESS,CITY,STATE,ZIP_CODE,BORR1_FIRST_NAME,BORR1_MIDDLE_NAME,BORR1_LAST_NAME,BORR2_FIRST_NAME,BORR2_MIDDLE_NAME,BORR2_LAST_NAME,MARGIN,MIN_INT_RATE,MAX_INT_RATE,FIRST_RATE_CHANGE_DATE
MIN,LOAN_NUMBER,FIRST_PAYMENT_DATE,LOAN_AMOUNT,NOTE_RATE,PI,MATURITY_DATE,STREET_ADDRESS,CITY,STATE,ZIP_CODE,BORR1_FIRST_NAME,BORR1_MIDDLE_NAME,BORR1_LAST_NAME,BORR2_FIRST_NAME,BORR2_MIDDLE_NAME,BORR2_LAST_NAME,MARGIN,MIN_INT_RATE,MAX_INT_RATE,FIRST_RATE_CHANGE_DATE
999938075304902606,123,2023-04-04,750000,7.34,3415.34,2053-04-04,100 MONTGOMERY ST,SAN FRANCSISCO,CA,94104,DAVID,JOHN,GREEN,,,,,,,
999938081241015213,456,2023-04-15,324000,6.43,1500.00,2053-04-15,801 SAMPLE ST,MONROEVILLE,PA,15146,SALLY,,SIGNER,,,,,,,

The CSV file can be uploaded through the API endpoint

POST /auto_validation_documents

The CSV file can not be larger than 50MB.

Individual eNote data submission

To upload individual eNote data for validation, use the following API endpoint:

POST /auto_validation_entries/{min_number}

The API expects data in JSON format. Below is an example of the expected payload. The keys match the CSV headers set up during the configuration step:

{
   "MIN": "999938075304902606",
   "LOAN_NUMBER": "123",
   "FIRST_PAYMENT_DATE": "2023-04-04",
   "LOAN_AMOUNT": "750000",
   "NOTE_RATE": "7.34",
   "PI": "3415.34",
   "MATURITY_DATE": "2053-04-04",
   "STREET_ADDRESS": "100 MONTGOMERY ST",
   "CITY": "SAN FRANCSISCO",
   "STATE": "CA",
   "ZIP_CODE": "94104",
   "BORR1_FIRST_NAME": "DAVID",
   "BORR1_MIDDLE_NAME": "JOHN",
   "BORR1_LAST_NAME": "GREEN"
 }

Details on the auto validation result for this entry can be retrieved using the following API endpoint:

GET /auto_validation_entries/{min_number}

Validation process

How it works

  1. Data upload: data is uploaded through CSV or individual entries
  2. Auto-Validation trigger: the auto-validation is triggered when both the eNote and a matching entry for that MIN is present in the evault
  3. Results:
    • for a bulk submission, the auto-validation results are calculated asynchronously
    • for individual entry submission the validation results are returned synchronously
    • the details of an auto-validation entry can be retrieved by using the GET endpoint for a given MIN.
    • If a webhook url has been set up for your application, an event is sent to notify you of the auto-validation result for a given MIN.

Auto-validation statuses

  • passed: data matches without discrepancies
  • failed: some data from the entry did not match the eNote data
  • cleared: data matches without discrepancies after data was re-uploaded following a previously failed status on that MIN

The auto-validation status is returned in the document details and emortgage package details that can be accessed through the following endpoints (see eNote Inventory API documentation):

GET /documents/{document_id}
GET /emortgage_packages/{emortgage_package_id}

Error handling

When the auto-validation fails, details of the mismatch data can be retrieved using the API endpoint:

GET /auto_validation_entries/{min_number}

The auto-validation is run again by uploading a new entry with the same MIN or by getting a new version of the eNote eDelivered to the vault. If all errors are resolved by uploading new data the status is moved to cleared

Webhooks

When the validation of an eNote is completed, the system sends a webhook event to a pre-configured URL. This event contains the document id related to the eNote, the MIN and the auto-validation status.

When a validation result is calculated, a webhook event is sent with the following payload:

{
  "event_type":"auto_validation_result",
  "document_id":"8165b5d8-7349-4830-9a12-8ea33a6b412a",
  "emortgage_package_id": "5279e4ca-cd04-49b3-9863-d94e9acc35fe",
  "min_number":"999938075304902606",
  "status":"passed",
  "event_timestamp": "2026-05-21T12:00:00Z"
}

Possible statuses are passed, failed, cleared.