The messages inbox
One thread per lender, and how conversations work.
If more than one lender is reviewing your request, your account keeps a separate conversation for each one, clearly labelled with the lender's name, rather than mixing everything into a single thread.
How it works
Each thread shows your conversation with that lender in full, and an unread badge if there is something new to see. Replying goes straight to that lender, and you are notified by email whenever they write back, so you do not need to keep the tab open.
When messaging opens
A conversation with a lender opens once your request is actually with them, not before. If your request is still being matched, there is nothing to message yet, the account page tells you what stage you are at.
What messages are for
Lenders use this thread for anything from a quick question to a formal typed document request, see Why a lender asked for more documents for how those specific requests are tracked separately as a checklist.
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