This article outlines the following:

How to assign and set a users role + permissions
Role Definitions
Permission Differences

When setting up user profiles, both the Role and Permission are important to set.

Roles determine what information we need about the user, permissions determine what the user is allowed to look at and what actions they may perform.

How to assign and set a users role + permissions

Note: Only users with Administrator permissions are able to alter a user's permissions level.

To set permissions for a user, go to Settings, then Users & Permissions.

From here, find the user you wish to edit, and click on their name to reach their profile. Click Edit.

Choose the new permission level you wish to grant in the dropdown.

Role Definitions

Setting Roles

Accounts can have one of three roles: User, Processor, or Originator. You will need to provide additional information about the user based on the account role.

User Role

User role accounts do not require any additional information. This is an ideal setting for system administrators who will not need to originate or manager loans

Processor Role

Processor accounts require the following additional information:

· Business Title

· Business Phone

Additionally, processor accounts can be assigned a loan team, and a lead distribution factor, and can enable or disable leads.

Originator Role

Originator accounts require the following information:

Business Title
Business Phone
NMLS ID (Originators)
Licensed States
Distribution Factor

Originating LOA Role

Originating LOA "Loan Officer Assistant" - these users are similar to an Originator, the main difference is that the Originator will be automatically included in the round robin for assigning leads vs. the Originating LOA role will not be included.

Business Title
Business Phone
NMLS ID (Originators)
Licensed States
Distribution Factor
Loan Team* (please get in touch with sonar to have this feature added)

Non-Originating LOA Role

Non-Originating LOA "Loan Officer Assistant" -This is an ideal role for an LOA that acts more as a support function to the originator.

Loan Team* (please get in touch with sonar to have this feature added)

Permissions Chart

Sonar uses five permission levels to control what users can see and do on the platform. This document describes each permission level's capabilities in plain business language, organized by function.

For each capability, access is described as:

Yes — Can view and make changes
Own only — Can view and make changes on records assigned to the user (e.g., their own loans, their own contacts). Cannot access other users' records.
View only — Can see the information but cannot make changes
No — Cannot see or interact with this function

1. Loan & Contact Data Access

Who can view and edit loan files, contact/lead records, and user profiles.

Capability	Admin	Agent	Originator	Processor	Support
View loan files (all users)	Yes	Yes	No	No	Yes
View loan files (own)	Yes	Yes	Own only	Own only	Yes
Edit loan data (all users)	Yes	Yes	No	No	No
Edit loan data (own)	Yes	Yes	Own only	Own only	No
View contacts & leads (all users)	Yes	Yes	No	No	Yes
View contacts & leads (own)	Yes	Yes	Own only	Own only	Yes
Edit contact & lead data (all users)	Yes	Yes	No	No	No
Edit contact & lead data (own)	Yes	Yes	Own only	Own only	No
View all user profiles	Yes	Yes	No	No	Yes
Edit user profiles	Yes	No	No	No	No

2. Pipeline & Search

Who can view and manage the loan pipeline, search for records, and export data.

Capability	Admin	Agent	Originator	Processor	Support
Search and view dashboard	Yes	Yes	Yes	Yes	Yes
View own pipeline	Yes	Yes	Yes	Yes	Yes
View all users' pipelines	Yes	Yes	No	No	Yes
Manage pipeline assignments and unassigned loans	Yes	Yes	No	No	No
Export pipeline to Excel	Yes	Yes	No	No	Yes

3. Loan Creation & Duplication

Who can create new loans, referrals, and duplicate existing loans.

Capability	Admin	Agent	Originator	Processor	Support
Create a new loan	Yes	Yes	Yes	No	No
Create a referral	Yes	Yes	Yes	Yes	Yes
Duplicate an existing loan	Yes	No	No	No	No

4. Loan Status Changes

Who can request, approve, and execute changes to a loan's status (e.g., Active, Suspended, Withdrawn, Adverse, Closed). Originators and Processors can only perform these actions on their own/assigned loans.

Capability	Admin	Agent	Originator	Processor	Support
Request a loan status change	Yes	Yes	Yes	Yes	No
Approve or reject status change requests	Yes	No	No	No	No
Suspend a loan	Yes	Yes	Yes	Yes	No
Reactivate a suspended loan	Yes	No	Yes	Yes	No
Move a loan to Withdrawn or Adverse (terminal statuses)	Yes	Yes	Yes	Yes	No
Move a loan to Incomplete Warning / Incomplete	Yes	Yes	No	No	No
Close a loan (mark as Closed)	Yes	Yes	No	No	No
Change loan status across all possible transitions	Yes	No	No	No	No
Update HMDA Action Taken	Yes	No	No	No	No
Promote a lead to Active loan status	Yes	No	No	Yes	No

5. Loan Archiving

Originators and Processors can only archive their own/assigned records.

Capability	Admin	Agent	Originator	Processor	Support
Archive or delete submitted loans	Yes	No	No	No	No
Archive or delete non-submitted loans	Yes	Yes	Yes	Yes	No
Archive contacts	Yes	No	Yes	Yes	No

6. Credit & Consents

Who can pull credit reports and manage borrower consent records.

Capability	Admin	Agent	Originator	Processor	Support
Pull borrower credit reports	Yes	Yes	Yes	Yes	No
Manage credit-related consents	Yes	Yes	Yes	Yes	No
Manage all consent types (admin-level)	Yes	No	No	No	No

7. Documents & Disclosures

Who can create, void, and retrieve disclosure packages.

Capability	Admin	Agent	Originator	Processor	Support
Create disclosure envelopes	Yes	No	Yes	Yes	No
Void most recent disclosure envelope	Yes	No	Yes	Yes	No
Pull/retrieve disclosure envelopes	Yes	No	Yes	Yes	No
Generate URLA (Uniform Residential Loan Application)	Yes	Yes	Yes	Yes	Yes
Export loan data via MISMO format	Yes	Yes	Yes	Yes	Yes

8. Key Dates & Compliance Dates

Who can set or clear important regulatory and milestone dates on a loan.

Capability	Admin	Agent	Originator	Processor	Support
Set or clear TRID disclosure date	Yes	Yes	Yes	Yes	Yes
Set or clear Funded date	Yes	Yes	Yes	Yes	Yes
View compensation details	Yes	No	No	No	No

9. User & Account Management

Who can manage internal user accounts and borrower accounts.

Capability	Admin	Agent	Originator	Processor	Support
Create, edit, enable/disable internal users	Yes	Yes	No	No	No
View internal user management screens	Yes	Yes	No	No	View only
Enable/disable borrower user accounts	Yes	Yes	No	No	No
Verify borrower email addresses	Yes	Yes	Yes	No	View only

10. Connections & API Keys

Who can manage third-party integrations and API credentials.

Capability	Admin	Agent	Originator	Processor	Support
View connections list	Yes	Yes	Yes	Yes	Yes
Create, edit, delete, and test connections	Yes	Yes	Yes	Yes	No
Manage company-level connections	Yes	Yes	No	No	View only
View API keys	Yes	No	No	No	Yes
Generate API keys	Yes	No	No	No	Yes

11. Products & Pricing

Who can create and modify loan products and view compensation details.

Capability	Admin	Agent	Originator	Processor	Support
Create new loan products	Yes	No	Yes	Yes	No
Edit existing loan products	Yes	Yes	Yes	Yes	No
Manage LTV matrix	Yes	Yes	No	No	Yes

12. Reporting & Analytics

Who can access analytics dashboards and generate reports.

Capability	Admin	Agent	Originator	Processor	Support
Generate and download call reports	Yes	Yes	No	No	View only

12. Administrative Settings

Who can access platform configuration and administration screens.

Capability	Admin	Agent	Originator	Processor	Support
Access admin settings page	Yes	No	No	No	View only
Manage pricing recommendations	Yes	No	No	No	No
Manage loan branch assignments	Yes	No	No	No	No
Exclude loans from call reports	Yes	No	No	No	No
Manage site branding	Yes	Yes	No	No	Yes
Create partner landing pages	Yes	Yes	Yes	Yes	No
Manage service provider configurations	Yes	No	No	No	No
Toggle dual capacity mode (originator acts as processor)	No	No	Yes	No	No

14. AI / Apex Features

Who can access and manage AI-powered features including automated task management, AI agents, and prompt configuration.

Capability	Admin	Agent	Originator	Processor	Support
View AI tasks and task data	Yes	View only	No	No	View only
Create, edit, and manage AI tasks	Yes	No	No	No	No
View AI agents and agent data	Yes	View only	No	No	View only
Configure and manage AI agents	Yes	No	No	No	No
View task objectives and objective data	Yes	View only	No	No	View only
Create and manage task objectives	Yes	No	No	No	No
View prompt configurations	Yes	View only	No	No	View only
Edit and manage prompt configurations	Yes	No	No	No	No
View prompt automations	Yes	View only	No	No	View only
Configure and manage prompt automations	Yes	No	No	No	No
Generate missing loan attributes	Yes	Yes	Yes	Yes	Yes
Generate missing key dates and milestones	Yes	Yes	No	No	No