## Start Mortgage Process Initiates the complete mortgage application and approval workflow. - Input: Customer mortgage application request - Trigger: New mortgage application submission - Outcome: Begins application collection and evaluation process Flow_0fm79a0 ## Application Collection Executes the application collection subprocess to gather customer information. - Input: Mortgage application request and customer identification - Sub-process: Complete application data collection workflow - Outcome: Validated application data ready for credit evaluation Flow_0fm79a0 Flow_0gwr9bl ## Application Evaluation Complete Signals successful completion of application collection phase. - Input: Completed application data from application subprocess - External message: Notifies systems that application is ready for credit evaluation - Outcome: Triggers credit evaluation subprocess initiation Flow_0gwr9bl Flow_05h03ml ## Credit Evaluation Executes comprehensive credit evaluation subprocess for the application. - Input: Complete application data from application collection - Sub-process: Automated and manual credit assessment workflow - Outcome: Credit evaluation results and risk assessment Flow_05h03ml Flow_0l53m32 ## Credit Evaluation Completion Convergence Converges different credit evaluation completion paths into unified flow. - Input: Manual evaluation, appeal approval, or automatic approval results - Routing logic: Consolidates various evaluation completion scenarios - Outcome: Unified credit evaluation completion for decision making Flow_0tmgquz Flow_0h4stlf Flow_01vw629 ## Manual Application Handling Executes manual application handling subprocess for complex or flagged applications. - Input: Applications requiring manual review or deviation handling - Sub-process: Comprehensive manual underwriting and documentation review - Outcome: Manual credit evaluation decision and risk assessment Flow_0lkwvn3 Flow_0p5lcqb ## Credit Decision Executes credit decision subprocess to make final lending determination. - Input: Complete credit evaluation results and risk assessment - Sub-process: Final credit decision logic and terms determination - Outcome: Approved/rejected decision with loan terms or rejection reasons Flow_01vw629 Flow_01dslcw ## Reevaluation Required Signals that credit decision requires reevaluation due to changed circumstances. - Input: Escalation from credit decision indicating need for reevaluation - External message: Notifies systems of reevaluation requirement - Outcome: Routes back to manual credit handling for reassessment Flow_075v0iy Flow_09eawx8 ## Credit Decision Result Gateway Routes the process based on final credit decision outcome. - Input: Credit decision results (approved or rejected) - Decision logic: Accepted proceeds to offer phase, rejected terminates - Outcome: Directs to loan offer creation or rejection notification Flow_01dslcw credit-decision-rejected credit-decision-accepted ## Mortgage Application Completed Successfully completes the entire mortgage application process. - Input: Confirmation of successful disbursement completion - External message: Notifies systems of completed mortgage application - Outcome: Mortgage process fully completed with funds disbursed Flow_1wtq552 ## Reevaluation Required Event Captures escalation from credit decision requiring reevaluation. - Input: Escalation from credit decision subprocess for reevaluation - Escalation handling: Catches reevaluation-required escalation - Outcome: Routes to reevaluation workflow for additional assessment Flow_075v0iy ${__gateway_outgoing_path == "credit-decision-rejected"} ## Document Signing Executes document signing subprocess for loan agreement execution. - Input: Accepted loan offer with terms and conditions - Sub-process: Digital or physical document signing workflow - Outcome: Legally binding signed loan agreement Flow_1pmg6ud Flow_0grhoob ## Loan Disbursement Executes loan disbursement subprocess to transfer approved funds. - Input: Completed collateral registration and signed agreements - Sub-process: Fund transfer and disbursement management workflow - Outcome: Loan funds successfully disbursed to borrower Flow_0hofdgz Flow_0pwq59f ## Loan Offer Generation Executes loan offer subprocess to create and present loan terms. - Input: Approved credit decision with terms and conditions - Sub-process: Offer generation, presentation, and acceptance workflow - Outcome: Customer decision on loan offer (accepted or rejected) select-offer-purpose-move Flow_03le7ck Flow_0ordrf3 Flow_1ctiin6 Flow_1k750yt Flow_0rq5ber Flow_0grhoob Flow_04tdoje ## Collateral Registration Executes collateral registration subprocess for loan security establishment. - Input: Signed loan agreements and property documentation - Sub-process: Legal collateral registration and security establishment - Outcome: Registered collateral security for loan protection Flow_04tdoje Flow_1rvmwyv Flow_1rvmwyv Flow_0hofdgz Flow_0rq5ber Flow_01lwcs9 Flow_0ordrf3 ## Automatic Credit Decision Gateway Routes applications based on automated credit evaluation results. - Input: Credit evaluation completion results and scoring - Decision logic: Green (auto-approve), Yellow (manual review), Red (likely reject) - Outcome: Directs to appropriate processing path based on risk assessment Flow_15o4ugs green yellow ## Application Automatically Approved Signals automatic approval of application based on low-risk assessment. - Input: Green decision from automatic credit evaluation - Message event: Notifies systems of automatic approval - Outcome: Bypasses manual review and proceeds to credit evaluation completion green Flow_0h4stlf ${__gateway_outgoing_path == "green"} Flow_0p5lcqb Flow_0tmgquz credit-decision-rejected Flow_0l53m32 Flow_1gie2jo Flow_0pwq59f Flow_1wtq552 Flow_0232we1 Flow_0k4cse6 Flow_0232we1 Flow_0k4cse6 ## Credit Decision Completed Signals successful completion of credit decision with approval outcome. - Input: Accepted credit decision with approved loan terms - External message: Notifies systems of approved credit decision - Outcome: Triggers offer generation and presentation workflow credit-decision-accepted Flow_1ac0vqz ${__gateway_outgoing_path == "credit-decision-accepted"} Flow_01lwcs9 Flow_1rti233 Flow_1acxiye Flow_1acxiye Flow_1rti233 Flow_09eawx8 Flow_1ck7b24 Flow_0iz52q2 Flow_0btnjps Flow_1jl1rj6 Flow_0hamq7n Flow_0hamq7n ${__gateway_outgoing_path == "yellow"} yellow Flow_0iz52q2 Flow_0lkwvn3 Flow_0btnjps Flow_1jl1rj6 Flow_1ck7b24 Flow_1ac0vqz select-offer-purpose-move select-offer-purpose-purchase ${__gateway_outgoing_path == "select-offer-purpose-move"} ${__gateway_outgoing_path == "select-offer-purpose-purchase"} select-offer-purpose-purchase Flow_1lt5dbs Flow_1gie2jo Flow_17f23lg Flow_17f23lg Flow_15o4ugs Flow_1k750yt Flow_0vecpte Flow_0vecpte Flow_1pmg6ud Flow_03le7ck Flow_1lt5dbs Flow_1ctiin6 Flow_11uc7wl Flow_11uc7wl Flow_1tmedld Flow_1tmedld ## Application Aborted Event Captures application abortion during the application collection phase. - Input: Error condition from application subprocess indicating abort - Error handling: Catches application-aborted error from subprocess - Outcome: Terminates mortgage process with application cancelled status Flow_00qpanx Flow_00qpanx