Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
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The lender likely will want an actual DISCHARGE ORDER from the bankruptcy court as that document eliminates your legal obligation to pay a debt that is discharged. Thus, until that order is entered, your bankruptcy is technically not complete.
Here's a good link you can read: http://www.uscourts.gov/FederalCourts/Bankruptcy/BankruptcyBasics/Chapter13.aspx
If the trustee is winding down all affairs and paying off all remaining creditors, etc,, you should be close to getting your discharge order, but the lender is not likely to proceed with you until the order has been signed by the judge and filed with the court clerk.