> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.padsfinancial.com/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# What does it mean when my application status is “Underwriter Review”?

Once you submit your loan application the status will be “Underwriter review”. During this time, PADS Financial is evaluating your loan application. You can expect to receive an update within 24-48 hours.