Files cannot be deleted in Jupiter because U.S. mortgage regulations require loan application records to be retained — even if a deal is abandoned, declined, duplicated, or never funded. This is a compliance requirement, not a product limitation.
In the United States, mortgage activity is heavily regulated. Multiple federal laws require that evidence of a loan application and related documents be retained for regulatory review, audits, and consumer protection purposes. These rules apply regardless of whether the application was:
Completed or incomplete
Entered by the borrower or by a loan officer
Approved, declined, withdrawn, or abandoned
If files could be deleted, there would be no reliable proof that the application ever existed — which creates serious compliance and audit risk.
Key rules that require record retention
1. Truth in lending act (TILA) – regulation Z
Under Regulation Z, creditors and mortgage originators must retain evidence showing compliance with disclosure and application requirements.
Records must generally be retained for 2–5 years, depending on the document
Records may be stored electronically, but must be accurate, complete, and reproducible
Regulators must be able to review what was presented to the borrower at the time
Deleting files would remove required evidence of compliance.
2. Equal credit opportunity act (ECOA) – regulation B
ECOA requires lenders and mortgage originators to retain loan applications and related records to support fair lending oversight.
This includes:
Applications that were never completed
Applications that were withdrawn or abandoned
Documents used in connection with any credit decision
Minimum retention is typically at least 25 months, and longer in many cases.
Helpful summary of federal retention rules:
3. Home mortgage disclosure Act (HMDA)
For institutions subject to HMDA, application data must be retained to support Loan Application Register (LAR) reporting and regulatory review.
Even applications that do not result in a loan may still be reportable and must remain auditable.
Why Jupiter disables file deletion
Jupiter is designed to function as a system of record for U.S. mortgage workflows.
Allowing file deletion would:
Break required audit trails
Remove proof of what existed at the time of application
Expose loan officers, brokerages, and lenders to regulatory risk
To protect users, files uploaded to Jupiter become part of the permanent loan record.
This aligns with regulatory expectations and standard industry audit practices.
What you can do instead
While files can’t be deleted, Jupiter supports compliant alternatives:
Upload corrected or replacement documents
Add notes explaining errors, duplicates, or changes in Jupiter
Change the status in Jupiter and choose the reason from the drop down.
You can archive any file that’s no longer needed — this will remove it from your active pipeline but keep it available for reference if required.
If the file was incomplete or created by mistake, you can also mark the loan as “Did Not Fund”, and in the reason field, enter something like “Closed for incompleteness”.
This preserves history while keeping your files clean and defensible.
In simple terms if an application existed, regulators expect proof that it existed.
By preventing file deletion, Jupiter helps ensure:
You pass audits
You can defend your loan files
Your compliance posture stays intact
If you need further help please click on the chat button or email support@jupiterlos.com.