A unique Loan ID number is required on which of the following documents?

The requirement for a unique Loan ID number on Loan Estimates stems from the need for consistent tracking and identification of loans throughout the lending process. Loan Estimates are issued to borrowers early in the application process to provide them with essential information about the mortgage terms, including estimated payments, costs, and other crucial details.

The Loan ID number helps all parties involved—including lenders, consumers, and regulators—efficiently reference, track, and manage the specific loan file. It enhances the organization and processing of the transaction by creating a unique identifier that can be used throughout the loan’s lifecycle.

In contrast, while in-progress applications, complete applications, and Closing Disclosures are critical documents within the lending process, they do not specifically require a Loan ID number as a standard practice. Each of those documents serves different regulatory requirements or purposes, so they follow different identification protocols.