Mortgage origination and underwriting database schema

How a mortgage lender models a file in Oracle: borrowers and co-borrowers with income and liabilities, the subject property and its appraisals, rate locks that expire, underwriting decisions and conditions to clear, a document checklist, closing and disbursement.

Mortgage Origination ER diagram

Mortgage origination and underwriting database schema n1 n1 n1 n1 11 n1 n1 n1 n1 n1 n1 n1 n1 11 n1 loan_products idNUMBER product_codeVARCHAR2 product_nameVARCHAR2 amortization_typeVARCHAR2 term_monthsNUMBER arm_initial_fixed…NUMBER arm_adjustment_ca…NUMBER min_credit_scoreNUMBER max_ltv_bpsNUMBER max_dti_bpsNUMBER requires_mortgage…CHAR is_activeCHAR effective_fromDATE applications idNUMBER application_numberVARCHAR2 product_idNUMBER loan_purposeVARCHAR2 occupancy_typeVARCHAR2 requested_amount_…NUMBER currency_codeCHAR down_payment_minorNUMBER statusVARCHAR2 channelVARCHAR2 loan_officer_nameVARCHAR2 submitted_atTIMESTAMP decisioned_atTIMESTAMP funded_atTIMESTAMP declined_reasonVARCHAR2 created_atTIMESTAMP borrowers idNUMBER application_idNUMBER person_referenceVARCHAR2 borrower_roleVARCHAR2 legal_first_nameVARCHAR2 legal_last_nameVARCHAR2 date_of_birthDATE national_id_hashRAW emailVARCHAR2 phoneVARCHAR2 marital_statusVARCHAR2 citizenship_statusVARCHAR2 first_time_buyerCHAR credit_scoreNUMBER credit_pulled_onDATE borrower_incomes idNUMBER borrower_idNUMBER income_typeVARCHAR2 employer_nameVARCHAR2 monthly_amount_mi…NUMBER qualifying_amount…NUMBER currency_codeCHAR start_dateDATE end_dateDATE verification_stat…VARCHAR2 verification_meth…VARCHAR2 verified_onDATE borrower_liabilities idNUMBER borrower_idNUMBER liability_typeVARCHAR2 creditor_nameVARCHAR2 account_last_fourCHAR balance_minorNUMBER monthly_payment_m…NUMBER currency_codeCHAR months_remainingNUMBER will_be_paid_offCHAR sourceVARCHAR2 is_excludedCHAR subject_properties idNUMBER application_idNUMBER address_line1VARCHAR2 address_line2VARCHAR2 cityVARCHAR2 regionVARCHAR2 postcodeVARCHAR2 country_codeCHAR property_typeVARCHAR2 units_countNUMBER year_builtNUMBER living_area_sqmNUMBER purchase_price_mi…NUMBER estimated_value_m…NUMBER currency_codeCHAR is_flood_zoneCHAR hoa_monthly_minorNUMBER appraisals idNUMBER property_idNUMBER appraisal_typeVARCHAR2 ordered_onDATE completed_onDATE effective_dateDATE appraised_value_m…NUMBER currency_codeCHAR appraiser_nameVARCHAR2 appraiser_licenceVARCHAR2 condition_ratingVARCHAR2 statusVARCHAR2 report_document_k…VARCHAR2 rate_locks idNUMBER application_idNUMBER lock_referenceVARCHAR2 note_rate_bpsNUMBER discount_points_b…NUMBER lender_credit_min…NUMBER currency_codeCHAR lock_daysNUMBER locked_atTIMESTAMP expires_onDATE statusVARCHAR2 extension_daysNUMBER extension_cost_mi…NUMBER replaces_lock_idNUMBER underwriting_decisi… idNUMBER application_idNUMBER decision_sequenceNUMBER decisionVARCHAR2 decision_methodVARCHAR2 approved_amount_m…NUMBER currency_codeCHAR ltv_bpsNUMBER dti_bpsNUMBER housing_ratio_bpsNUMBER reserves_monthsNUMBER underwriter_nameVARCHAR2 decision_notesCLOB decided_atTIMESTAMP underwriting_condit… idNUMBER decision_idNUMBER condition_codeVARCHAR2 descriptionVARCHAR2 condition_typeVARCHAR2 categoryVARCHAR2 statusVARCHAR2 is_borrower_facingCHAR submitted_atTIMESTAMP cleared_atTIMESTAMP cleared_byVARCHAR2 document_checklist_… idNUMBER application_idNUMBER borrower_idNUMBER condition_idNUMBER document_codeVARCHAR2 document_nameVARCHAR2 is_requiredCHAR statusVARCHAR2 requested_onDATE received_atTIMESTAMP verified_atTIMESTAMP expires_onDATE rejection_reasonVARCHAR2 storage_keyVARCHAR2 closings idNUMBER application_idNUMBER scheduled_atTIMESTAMP closed_atTIMESTAMP closing_agent_nameVARCHAR2 settlement_companyVARCHAR2 title_policy_numb…VARCHAR2 final_loan_amount…NUMBER total_closing_cos…NUMBER cash_to_close_min…NUMBER currency_codeCHAR first_payment_due…DATE rescission_ends_onDATE statusVARCHAR2 disbursements idNUMBER closing_idNUMBER payee_typeVARCHAR2 payee_nameVARCHAR2 purposeVARCHAR2 amount_minorNUMBER currency_codeCHAR methodVARCHAR2 wire_referenceVARCHAR2 scheduled_onDATE disbursed_atTIMESTAMP statusVARCHAR2

Related database schemas