Loan Origination Pipeline

Application through KYC, underwriting, offer, acceptance, and disbursal

Loan Origination Pipeline Application through KYC, underwriting, offer, acceptance, and disbursal 01 / Decisioning 02 / Origination 03 / Applicant 04 / Funding 05 / Servicing EX / Decline Intake Decide Fund + book Application · form + docs · Applicant › Intake Application form + docs Credit Pull · KYC + bureau · Origination › Intake · idempotent Credit Pull KYC + bureau idempotent Underwriting · rules + score · Decisioning › Decide · versioned policy Underwriting rules + score versioned policy Offer · rate + terms · Origination › Decide Offer rate + terms Accept · e-sign · Applicant › Fund + book Accept e-sign Disburse · ACH / wire · Funding › Fund + book · exactly once Disburse ACH / wire exactly once Booked Loan · ledger + schedule · Servicing › Fund + book Booked Loan ledger + schedule Declined · adverse action · Decline › Decide Declined adverse action decline Legend User UI Agent logic Policy Tool action Context / trace

One Happy Path

  • • Application ID is the correlation and idempotency key end to end
  • • Underwriting decides on a frozen snapshot, not live re-fetches
  • • Booking follows a confirmed disbursement, not acceptance

Stop Conditions

  • • A decline emits explainable adverse-action reasons
  • • The hard credit pull is guarded against retry duplication
  • • Disbursal is idempotent so money moves exactly once

Auditability

  • • Every decision is stamped with its policy version
  • • Captured data is kept separate from derived data
  • • Any application can be replayed to the same verdict

Workflow diagram • Built with Archify • Create yours ↗ • Hover to trace • R route • Click to focus • +/− zoom • M radar • T theme • E export