SMS Opt-In Policy
What messages Loandock sends about your loan file, how you consent to them, and how to opt out.
Last updated September 7, 2026.
What these messages are
Loandock sends transactional messages about active loan files, once the borrower is under contract and through clear-to-close. These include:
- A request for documents needed for your loan file.
- A follow-up on a document that has not arrived yet.
- An update when a document has been received and checked.
- A notification about the borrower’s own file.
Loandock does not send marketing or promotional messages, and Loandock does not place phone calls.
How consent is captured
Loandock records your express consent before sending text messages. You can use the service without consenting to texts.
Written consent, captured by the loan officer
The loan officer records the borrower's consent against the borrower's own record before any message goes out. The consent control is:
- Optional: not required to work the file.
- Unchecked by default: the loan officer has to check it.
- Specific and explicit: separate from every other consent.
- Clearly visible: not buried in terms and conditions.
The disclosure shown with it reads:
By providing your phone number, you agree to receive SMS document requests, follow-ups, and status updates about your loan file from Loandock. Loandock does not send marketing or promotional texts. Message frequency may vary. Standard Message and Data Rates may apply. Reply STOP to opt out. Reply HELP for help. Consent is not a condition of purchase. We will not share mobile information with third parties for promotional or marketing purposes. View our Privacy Policy at loandock.com/privacy.
Replying to an email
When Loandock emails a borrower about the documents their file needs, the borrower can opt in to text messages by replying YES.
Texting a keyword
A borrower can text YES, Y, START, CONFIRM, PROCEED, or SUBSCRIBE to opt in.
However consent is given, the borrower gets a confirmation message:
Loandock: You are now opted in to receive status notifications by text about your loan file. Msg frequency varies. Msg and data rates may apply. Reply STOP to opt out, HELP for help.
How often messages go out
Message frequency varies with what is happening on the file. There is no fixed schedule: a message goes out when a condition needs a document, when a document has not arrived, or when one has been received and checked.
Messages follow the TCPA and state quiet-hours rules, and every message carries an opt-out. Standard message and data rates may apply.
How to stop messages
Reply STOP, STOPALL, UNSUBSCRIBE, CANCEL, END, or QUIT to any message and the messages stop.
Reply HELP or INFO for help. The reply reads:
Loandock: For help, contact your loan officer or visit loandock.com. Reply STOP to opt out.
What we record
We record how and when consent was given and who recorded it. Consent records and messages are logged against the loan file. Your lender can review that log.
How long we keep it
Loan-file data and message records follow the retention terms below. Read more about privacy and data security.
Borrower documents and loan-file data handled for a client
Retention
As long as needed to perform the service and to meet the client's regulatory retention obligations, or as the client directs
Deletion trigger
Client direction, or written request on termination; returned or destroyed within 30 days, certified on request
Action logs and borrower communication logs
Retention
Retained with the loan-file data they belong to, available to the client for audit
Deletion trigger
Same trigger as the loan-file data
Backups
Retention
Encrypted, access-controlled like production, disposed by cryptographic erasure or secure deletion
Deletion trigger
Same trigger as the loan-file data
| Data category | Retention | Deletion trigger |
|---|---|---|
| Borrower documents and loan-file data handled for a client | As long as needed to perform the service and to meet the client's regulatory retention obligations, or as the client directs | Client direction, or written request on termination; returned or destroyed within 30 days, certified on request |
| Action logs and borrower communication logs | Retained with the loan-file data they belong to, available to the client for audit | Same trigger as the loan-file data |
| Backups | Encrypted, access-controlled like production, disposed by cryptographic erasure or secure deletion | Same trigger as the loan-file data |
Mobile information
Your mobile information will not be sold or shared with third parties for promotional or marketing purposes. Opt-in data and consent are excluded from every category of information we share.
We share consent status only with the providers that deliver the messages, including phone carriers and messaging vendors, and only so those messages can be delivered.
Contact
Questions about text messages go to support@loandock.com. The full privacy policy and the terms of service are separate documents.