The application is waiting on one missing document.

Droplana is a client document portal for mortgage brokers and credit intermediaries. Each applicant gets one private portal to send payslips, statements and ID, with no account to create, and you send offers and lender letters back the same way. Your lender and case-management tools still handle the application.

See what your applicant still needs to send

In this fictional Keystone Mortgage Brokers example, Shreya has supplied ID and payslips. Three requests remain: bank statements, proof of deposit and the signed fact find. The phone view puts an upload button beside each missing item.

Actual client checklist on a phone, cropped to the requests. Fictional business and applicant. Inspect the client view.

A document request the applicant can act on

Start with the mortgage document-request template. Adapt it to your process and the documents needed for this case. Name each period, ask for every page where necessary, and explain whether a phone photo is acceptable.

Use a document checklist to list those requests. Checklists have fixed stall reminders, on by default: after 7 inactive days with missing items the client receives a nudge; after 14 days the reminder comes to your business. Each stage sends once per stall. This is not a lender-deadline schedule. If requests still go unanswered, see why clients do not send documents.

A file arrived. Is it the whole statement?

The fictional applicant below sent only the first page. The broker marked the file Rejected and wrote exactly what to send next. The status and comment are feedback; they do not validate the statement or automatically replace the file.

Actual business comment panel with fictional data. Inspect the correction request.

Review the replacement when it arrives, then send the next document through the same portal. A file provided against a checklist item counts as received, not underwritten or independently verified.

A mortgage broker client portal, not a lender application system

Droplana does not submit applications to lenders, run credit or KYC checks, underwrite loans or synchronize a mortgage CRM. Add only the client email addresses that should reach that portal. Multiple contacts on one client share its documents; there are no separate joint-applicant or per-document permissions. Business team members share access to the business’s clients.

Clients can use PDF signing after email identification, where the method fits the document. It is not a qualified signature or identity-check service. Use the required signing provider for documents needing a different standard.

Storage and data protection

Files, comments and metadata are stored on Hetzner infrastructure in Germany. Files are encrypted in transit and at rest with a key derived per file. Droplana is operated by Ubique d.o.o. in Croatia. A DPA is available on every plan; review the security details against your own requirements.

Plans for your client exchange

Free covers 3 clients, 2 GB total storage and files up to 100 MB, and keeps each file for up to 180 days after upload. Paid plans have unlimited clients and no plan-imposed retention limit while active.

Questions before you start

Do applicants need to create an account?

No. They open their client portal and verify their email on a new device under the default Strict access setting. They can upload from their phone or computer. Signing in with Google or Microsoft is also supported for an authorized client email.

Does a completed checklist mean the application is approved?

No. A supplied file can fulfill a checklist request, but the broker still checks its contents. Droplana does not verify income, identity, creditworthiness or lender acceptance.

Can two applicants have different permissions in one portal?

No. You can add multiple email addresses to a client, but those contacts share that client portal. Droplana does not provide separate joint-applicant or per-document access rules.

Does it connect to my lender or mortgage CRM?

No. There is no connector to lenders or to your CRM. Download and transfer the required documents through your existing process.

Does Droplana chase applicants for missing documents?

Yes, by default. If an applicant does nothing for 7 days while checklist items are still missing, they get an email naming those items. If another 7 days pass, the reminder comes to you instead, so you know which case needs a phone call. Each reminder is sent once per stall, and you can switch them off.

Compared with what brokers use now

Use the client portal selection guide to check the features your business needs.

• Droplana vs email: what changes when payslips stop arriving as attachments.
• Droplana vs messaging apps: why WhatsApp photos are hard to keep track of per applicant.
• Droplana vs a cloud drive: shared folders compared with one private portal per client.