> ## Documentation Index
> Fetch the complete documentation index at: https://docs.finpace.tech/llms.txt
> Use this file to discover all available pages before exploring further.

# Lending origination

> Applications, data collection, offers, approvals, and contract creation.

# Lending origination

## Main objects

### Credit application

The application record stores:

* borrower and related parties
* requested facility
* source channel
* product reference
* required documents
* underwriting stage
* submission status

### Underwriting package

A derived working set used for assessment:

* financial inputs
* bureau or open banking data
* fraud and KYB results
* collateral proposals
* covenant proposals
* analyst commentary
* approval conditions

### Offer

The commercial or conditional outcome of a decisioning flow.

## Supported origination patterns

* digital self-service
* RM-assisted origination
* branch-assisted capture
* partner-originated application
* pre-approved or pre-qualified flow

## Decisioning pattern

1. Capture application
2. Validate minimum data
3. Pull external signals
4. Run eligibility
5. Run credit and fraud checks
6. Produce referral or decision
7. Generate conditional or final offer
8. Route to approval if needed
9. Bind offer and create facility

## Evidence and explainability

Every decision preserves:

* input source
* rule set version
* external data provider response id
* analyst override reason
* approval chain
* resulting offer or decline rationale

## AI usage in origination

Allowed AI uses:

* summarizing application packs
* extracting information from uploaded documents
* proposing missing-information requests
* drafting credit memos for analyst review
* highlighting inconsistencies across data sources

Protected actions remain approval-aware:

* final credit approval
* collateral waiver
* covenant relaxation
* pricing override