---
title: Loan returns
slug: concepts/lending/loan-returns
description: Returned ACH rails update loan status; to resubmit a returned rail call PUT /Loan/{Id}/FundingInfo with corrected details.
docTags: 
createdAt: 2024-08-14T11:37:24.815Z
---

## What happens in Arix when a rail is returned

### What triggers a return in Arix?

A return is an event that causes a rail that was initially disbursed to be returned to the loan's available funds, making them eligible for re-disbursement. 

A return can happen for different reasons on different rails (receiving FI not accepting an ACH, check expiring, etc.).  For some rails, a return can be explicitly requested via the [Return rails](docId\:cQnvaS7kTizOjddJIbThO) API.

### Rail status

When a rail is returned, the status of the rail is automatically updated to **Returned**.

### Loan status

The loan status changes based on these conditions:

- **Returned**
  If all rails were returned, then the loan automatically moves into the status, `Returned`, regardless of the previous loan status.
- **NotFullyFunded**
  If at least one rail was returned, the loan moves into the status, `NotFullyFunded`. See the [enums](docId\:hpq_QWOAKV9JprqwkFR1I) reference document for a list of the loan and rail statuses.

### Webhooks

These webhooks are triggered for the rail and loan statuses:

- `LoanStatusUpdated` (if the return causes the loan status to change)
- `RailUpdated`

### Loan funding

The loan funding information is updated accordingly in these fields:

- `ProcessedRails`
- `ReturnedRails`

## Investigating returned rails

You can call [Get/LoanDetails](docId:6ZfJGj39xq4RWRWzmXJCD) to view the details on a returned rail by including returned rails in the field request. The update includes the NACHA return reason code, the return trace number, and the original trace number.

## Resubmitting a returned rail

To resubmit a returned rail, call [PUT/FundingInfo](docId\:GMP-Bavby6sAgCbQlLsJM) with the correct details.

## Next steps

- [Loan seasoning, sale or retention](docId\:DoBshm4E1JoFa8FUVqAPh) 
- [Servicing data submission and reconciliation](docId\:sJ6yahWlYzkEDLo6oiJf3)