Application Lifecycle

📘
Complete Application Journey
Understand how loan applications flow through the Loan Origination System from initial submission through final decision and onboarding to the Loan Management System.

The Loan Origination System (LOS) manages the complete lifecycle of loan applications, from the moment a borrower submits an application through final approval or rejection. This guide covers all application statuses, transitions, available actions, and how to integrate with the application workflow via API.

Application Lifecycle Overview

The application lifecycle follows a structured workflow designed to ensure thorough review and verification before making a lending decision. Applications progress through defined statuses, with specific actions available at each stage.

End-to-End Flow

%%{init: {'theme': 'base', 'themeVariables': {'background': '#ffffff', 'mainBkg': '#ffffff', 'clusterBkg': '#ffffff', 'clusterBorder': '#2563eb', 'titleColor': '#000000', 'primaryColor': '#2563eb', 'primaryTextColor': '#ffffff', 'lineColor': '#374151'}, 'flowchart': {'padding': 15, 'nodeSpacing': 25, 'rankSpacing': 30}}}%%
flowchart LR
    subgraph MainContainer[📋 Application Lifecycle]
        direction LR
        A[📝 Submit] --> B[📄 Docs]
        B --> C[🔍 Review]
        C --> D{⚖️ Decide}
        D -->|✅| E[✅ Approved]
        D -->|❌| F[❌ Rejected]
        E --> G[🚀 LMS]
    end
    
    style A fill:#2563eb,stroke:#1e40af,color:#fff
    style B fill:#2563eb,stroke:#1e40af,color:#fff
    style C fill:#2563eb,stroke:#1e40af,color:#fff
    style D fill:#6b7280,stroke:#4b5563,color:#fff
    style E fill:#059669,stroke:#047857,color:#fff
    style F fill:#dc2626,stroke:#b91c1c,color:#fff
    style G fill:#1e40af,stroke:#1e3a8a,color:#fff

Application Statuses

Applications progress through a series of statuses that reflect their current stage in the review process. Each status enables specific actions and determines what operations can be performed.

Status	Description	Next Actions
`Submitted`	Initial submission received	Review, Request Docs, Claim
`Pending Approval`	Under review by back office	Approve, Reject, Request More Info
`Offer Generated`	Loan offer created	Accept Offer, Reject Offer
`Pending Offer`	Awaiting borrower acceptance	- (Borrower action required)
`Approved`	Application approved	Onboard to LMS, Generate Documents
`Rejected`	Application rejected	- (Terminal status)
`Not Interested`	Borrower declined offer	- (Terminal status)

Status Flow Diagram

%%{init: {'theme': 'base', 'themeVariables': {'background': '#ffffff', 'mainBkg': '#ffffff', 'clusterBkg': '#ffffff', 'clusterBorder': '#2563eb', 'titleColor': '#000000', 'primaryColor': '#2563eb', 'primaryTextColor': '#ffffff', 'lineColor': '#374151'}, 'flowchart': {'padding': 15, 'nodeSpacing': 20, 'rankSpacing': 25}}}%%
flowchart LR
    subgraph MainContainer[🔄 Status Transitions]
        direction LR
        A[📝 Submitted] --> B[📋 Pending Approval]
        B --> C[💼 Offer Generated]
        C --> D[⏳ Pending Offer]
        D --> E[✅ Approved]
        B --> F[❌ Rejected]
        D --> G[🚫 Not Interested]
        E --> H[🚀 Onboard LMS]
    end
    
    style A fill:#2563eb,stroke:#1e40af,color:#fff
    style B fill:#d97706,stroke:#b45309,color:#fff
    style C fill:#2563eb,stroke:#1e40af,color:#fff
    style D fill:#d97706,stroke:#b45309,color:#fff
    style E fill:#059669,stroke:#047857,color:#fff
    style F fill:#dc2626,stroke:#b91c1c,color:#fff
    style G fill:#dc2626,stroke:#b91c1c,color:#fff
    style H fill:#1e40af,stroke:#1e3a8a,color:#fff

Available Actions

At each stage of the application lifecycle, specific actions are available to manage and process the application. These actions are accessible via API endpoints.

Action	Description	API Endpoint	Available Statuses
Edit Application	Update borrower details	`PUT /applications/{id}`	All statuses
Approve	Approve application	`POST /applications/{id}/approve`	Pending Approval
Reject	Reject with reason	`POST /applications/{id}/reject`	Pending Approval
Claim	Assign to self	`POST /applications/{id}/claim`	Submitted, Pending Approval
Release	Unassign application	`POST /applications/{id}/release`	Any assigned status
Assign	Assign to another user	`POST /applications/{id}/assign`	Submitted, Pending Approval
Escalate	Create escalation task	`POST /escalations`	Any status
Add Note	Add internal note	`POST /applications/{id}/notes`	All statuses
Do Not Contact	Flag as DNC	`PUT /applications/{id}/doNotContact`	All statuses

Application Tabs and Sections

Each application contains multiple sections accessible via API endpoints. These sections provide detailed information about different aspects of the application.

Tab	Data Available	API Endpoint
Borrower Information	Personal details, contact info	`GET /applications/{id}/borrower`
Owners/Officers	Business owners, officers	`GET /applications/{id}/owners`
Funding Info	Bank account details	`GET /applications/{id}/funding`
3rd Party Data	Credit reports, external data	`GET /applications/{id}/thirdParty`
Offers	Loan offers generated	`GET /applications/{id}/offers`
Documents	Uploaded documents	`GET /applications/{id}/documents`
Notes	Internal notes and comments	`GET /applications/{id}/notes`
Status History	Complete audit trail	`GET /applications/{id}/statusHistory`

API Operations

Get Application Details

Retrieve complete application information including current status, borrower details, and all associated data.

curl -X GET 'https://loc.demo.kendra.lendfoundry.com/v1/darbaan/back-office/rest/api/applications/APP-2024-001234' \
  -H 'Authorization: Bearer YOUR_TOKEN' \
  -H 'Content-Type: application/json'

const getApplication = async (applicationId) => {
  const response = await fetch(
    `https://loc.demo.kendra.lendfoundry.com/v1/darbaan/back-office/rest/api/applications/${applicationId}`,
    {
      method: 'GET',
      headers: {
        'Authorization': 'Bearer YOUR_TOKEN',
        'Content-Type': 'application/json'
      }
    }
  );
  
  if (!response.ok) {
    throw new Error(`HTTP error! status: ${response.status}`);
  }
  
  return await response.json();
};

import requests

def get_application(application_id):
    url = f"https://loc.demo.kendra.lendfoundry.com/v1/darbaan/back-office/rest/api/applications/{application_id}"
    headers = {
        "Authorization": "Bearer YOUR_TOKEN",
        "Content-Type": "application/json"
    }
    
    response = requests.get(url, headers=headers)
    response.raise_for_status()
    return response.json()

public String getApplication(String applicationId) throws Exception {
    HttpClient client = HttpClient.newHttpClient();
    HttpRequest request = HttpRequest.newBuilder()
        .uri(URI.create("https://loc.demo.kendra.lendfoundry.com/v1/darbaan/back-office/rest/api/applications/" + applicationId))
        .header("Authorization", "Bearer YOUR_TOKEN")
        .header("Content-Type", "application/json")
        .GET()
        .build();
    
    HttpResponse<String> response = client.send(request,
        HttpResponse.BodyHandlers.ofString());
    return response.body();
}

Approve Application

Approve an application that is pending approval. This action moves the application to the Approved status.

curl -X POST 'https://loc.demo.kendra.lendfoundry.com/v1/darbaan/back-office/rest/api/applications/APP-2024-001234/approve' \
  -H 'Authorization: Bearer YOUR_TOKEN' \
  -H 'Content-Type: application/json' \
  -d '{
    "approvalNotes": "All verifications passed",
    "approvedAmount": 25000
  }'

const approveApplication = async (applicationId, approvalData) => {
  const response = await fetch(
    `https://loc.demo.kendra.lendfoundry.com/v1/darbaan/back-office/rest/api/applications/${applicationId}/approve`,
    {
      method: 'POST',
      headers: {
        'Authorization': 'Bearer YOUR_TOKEN',
        'Content-Type': 'application/json'
      },
      body: JSON.stringify(approvalData)
    }
  );
  
  if (!response.ok) {
    throw new Error(`HTTP error! status: ${response.status}`);
  }
  
  return await response.json();
};

// Usage
await approveApplication('APP-2024-001234', {
  approvalNotes: 'All verifications passed',
  approvedAmount: 25000
});

import requests

def approve_application(application_id, approval_data):
    url = f"https://loc.demo.kendra.lendfoundry.com/v1/darbaan/back-office/rest/api/applications/{application_id}/approve"
    headers = {
        "Authorization": "Bearer YOUR_TOKEN",
        "Content-Type": "application/json"
    }
    
    response = requests.post(url, json=approval_data, headers=headers)
    response.raise_for_status()
    return response.json()

# Usage
approve_application('APP-2024-001234', {
    'approvalNotes': 'All verifications passed',
    'approvedAmount': 25000
})

public String approveApplication(String applicationId, String requestBody) throws Exception {
    HttpClient client = HttpClient.newHttpClient();
    HttpRequest request = HttpRequest.newBuilder()
        .uri(URI.create("https://loc.demo.kendra.lendfoundry.com/v1/darbaan/back-office/rest/api/applications/" + applicationId + "/approve"))
        .header("Authorization", "Bearer YOUR_TOKEN")
        .header("Content-Type", "application/json")
        .POST(HttpRequest.BodyPublishers.ofString(requestBody))
        .build();
    
    HttpResponse<String> response = client.send(request,
        HttpResponse.BodyHandlers.ofString());
    return response.body();
}

Reject Application

Reject an application with a reason code. This action moves the application to the Rejected status (terminal).

curl -X POST 'https://loc.demo.kendra.lendfoundry.com/v1/darbaan/back-office/rest/api/applications/APP-2024-001234/reject' \
  -H 'Authorization: Bearer YOUR_TOKEN' \
  -H 'Content-Type: application/json' \
  -d '{
    "rejectionReason": "Insufficient income documentation",
    "rejectionCode": "INCOME_01"
  }'

const rejectApplication = async (applicationId, rejectionData) => {
  const response = await fetch(
    `https://loc.demo.kendra.lendfoundry.com/v1/darbaan/back-office/rest/api/applications/${applicationId}/reject`,
    {
      method: 'POST',
      headers: {
        'Authorization': 'Bearer YOUR_TOKEN',
        'Content-Type': 'application/json'
      },
      body: JSON.stringify(rejectionData)
    }
  );
  
  if (!response.ok) {
    throw new Error(`HTTP error! status: ${response.status}`);
  }
  
  return await response.json();
};

// Usage
await rejectApplication('APP-2024-001234', {
  rejectionReason: 'Insufficient income documentation',
  rejectionCode: 'INCOME_01'
});

import requests

def reject_application(application_id, rejection_data):
    url = f"https://loc.demo.kendra.lendfoundry.com/v1/darbaan/back-office/rest/api/applications/{application_id}/reject"
    headers = {
        "Authorization": "Bearer YOUR_TOKEN",
        "Content-Type": "application/json"
    }
    
    response = requests.post(url, json=rejection_data, headers=headers)
    response.raise_for_status()
    return response.json()

# Usage
reject_application('APP-2024-001234', {
    'rejectionReason': 'Insufficient income documentation',
    'rejectionCode': 'INCOME_01'
})

public String rejectApplication(String applicationId, String requestBody) throws Exception {
    HttpClient client = HttpClient.newHttpClient();
    HttpRequest request = HttpRequest.newBuilder()
        .uri(URI.create("https://loc.demo.kendra.lendfoundry.com/v1/darbaan/back-office/rest/api/applications/" + applicationId + "/reject"))
        .header("Authorization", "Bearer YOUR_TOKEN")
        .header("Content-Type", "application/json")
        .POST(HttpRequest.BodyPublishers.ofString(requestBody))
        .build();
    
    HttpResponse<String> response = client.send(request,
        HttpResponse.BodyHandlers.ofString());
    return response.body();
}

Claim Application

Assign an application to yourself for review. This action is available for applications in Submitted or Pending Approval status.

curl -X POST 'https://loc.demo.kendra.lendfoundry.com/v1/darbaan/back-office/rest/api/applications/APP-2024-001234/claim' \
  -H 'Authorization: Bearer YOUR_TOKEN' \
  -H 'Content-Type: application/json'

const claimApplication = async (applicationId) => {
  const response = await fetch(
    `https://loc.demo.kendra.lendfoundry.com/v1/darbaan/back-office/rest/api/applications/${applicationId}/claim`,
    {
      method: 'POST',
      headers: {
        'Authorization': 'Bearer YOUR_TOKEN',
        'Content-Type': 'application/json'
      }
    }
  );
  
  if (!response.ok) {
    throw new Error(`HTTP error! status: ${response.status}`);
  }
  
  return await response.json();
};

import requests

def claim_application(application_id):
    url = f"https://loc.demo.kendra.lendfoundry.com/v1/darbaan/back-office/rest/api/applications/{application_id}/claim"
    headers = {
        "Authorization": "Bearer YOUR_TOKEN",
        "Content-Type": "application/json"
    }
    
    response = requests.post(url, headers=headers)
    response.raise_for_status()
    return response.json()

public String claimApplication(String applicationId) throws Exception {
    HttpClient client = HttpClient.newHttpClient();
    HttpRequest request = HttpRequest.newBuilder()
        .uri(URI.create("https://loc.demo.kendra.lendfoundry.com/v1/darbaan/back-office/rest/api/applications/" + applicationId + "/claim"))
        .header("Authorization", "Bearer YOUR_TOKEN")
        .header("Content-Type", "application/json")
        .POST(HttpRequest.BodyPublishers.noBody())
        .build();
    
    HttpResponse<String> response = client.send(request,
        HttpResponse.BodyHandlers.ofString());
    return response.body();
}

Onboarding to LMS

When an application reaches the Approved status, it can be onboarded to the Loan Management System (LMS) for servicing. The application number serves as the linking key between LOS and LMS.

📘
Seamless Integration
Approved applications automatically transfer to LMS where they become active loans. The application number (APP-YYYY-NNNNNN) links the origination record to the loan record in LMS.

Onboarding Process

Application Approved - Application reaches Approved status in LOS
Data Transfer - Application data transfers to LMS via API
Loan Creation - Loan record created in LMS with loan number (LN-YYYY-NNNNNN)
Active Servicing - Loan becomes active and ready for payment processing

For detailed information about onboarding approved loans to LMS, see the Loan Onboarding Guide.

Screenshots

📷
Screenshot: Application Details View
The application details page shows all information about a loan application, including borrower information, status, documents, and available actions.

Next Steps

Resource	Description
Document Verification	Learn about verification workflows
Loan Onboarding	Onboard approved applications to LMS
API Reference	Complete API endpoint documentation

✅
Ready to Continue?
Learn about Document Verification to understand how applications are verified before approval.

Application Lifecycle

Complete Application Journey