Conditional Logic gives you the power to build smarter, more dynamic loan applications. With it, you can customize the form experience in real time based on borrower responses—showing only what's relevant, and skipping what’s not.
This guide covers everything you need to know to create, configure, and troubleshoot Conditional Logic in your loan application.
Overview: What You Can Do
With Conditional Logic, you can:
Show or hide fields based on borrower responses
Make fields required only when needed
Skip entire pages to streamline the borrower journey
Create flexible form experiences that adapt to the deal
Key Things to Know Before You Start
1. All Fields Used in Logic Must Be Enabled
To use a field in a condition, it must be turned on in the Form Builder. If the field isn’t active in your loan application form, it won’t be available as a trigger or action in Conditional Logic.
2. Multiple Conditions Use "AND" Logic
When you add multiple conditions to a rule, all of them must be true for the logic to trigger.
This means Conditional Logic uses AND, not OR, when evaluating multiple conditions.
If you want logic to trigger when any one of multiple conditions is true, create separate rules for each scenario.
Step-by-Step: How to Set Up Conditional Logic
Step 1: Go to Company Settings
Click your name in the top-right corner of the screen and select Company Settings.
Step 2: Open the Loan Application Editor
From the left-hand menu, select Loan Application.
Step 3: Switch to the Conditional Logic Tab
By default, you’ll be in the Form Builder. Click on the Conditional Logic tab to view existing rules or create a new one.
Step 4: Click "Create Condition"
A setup window will open where you can define the logic rule.
Step 1: Set Your Trigger(s)
Triggers define when the logic should run. You can set one or more trigger conditions.
In the “When any of the following occurs” section:
Select a field (e.g. Use of Funds)
Choose a value or values (e.g.
Refinance,Cashout)Add additional fields and values as needed
Remember: All conditions must be true for the logic to execute (AND logic)
Step 2: Add Action(s)
Actions define what happens when the trigger is met. You can add multiple actions per condition.
Available Actions:
Require Fields
Make a field required under specific conditions.
Example: Require Existing Debt when Use of Funds is Refinance.
Hide Fields
Hide fields from the borrower when they’re not relevant.
Example: Hide Construction Budget if Use of Funds is not Construction.
Hide Pages
Skip entire pages of your loan application.
Example: Hide Borrower Details page when Exit Strategy is Refinance.
Don’t Require Fields
Remove the “required” status from fields dynamically.
Example: If Property Type is Land, make Rent Roll Upload optional.
Step 3: Save Your Logic
Once your condition is fully configured:
Click Done to save the trigger and actions
Click Create to add the rule
Click Save in the top-right corner to apply the changes to your live application
Example: A Complete Conditional Logic Rule
Trigger:
Use of Funds is
RefinanceorCashoutExit Strategy is
Refinance
Actions:
Require the Existing Debt field
Hide the Borrower Details page
This rule will activate only when both conditions are true. It ensures you collect debt details for refinances, while skipping borrower info you may already have.
Best Practices
Keep Loan Applications as simple as possible.
Start Simple and buildup.
Keep logic modular—separate rules for separate scenarios make troubleshooting easier.
Test your logic using real-world examples before going live.
Use Hide Page actions sparingly to avoid unintentionally skipping important steps.
Combine Conditional Logic with a clean, focused form layout to reduce borrower drop-off.
Troubleshooting
Can’t find a field in the trigger or action list?
Make sure it’s turned on in the Form Builder tab first.
Logic isn’t firing?
Double-check that all conditions are being met. Remember: All triggers must evaluate as true (AND logic).