The build kit

The manufacturing line

The file enters at one end and leaves purchased. Every station has an owner, a gate it must pass to advance, and a task set it fires on entry. The spine does not change by channel — the path does. Cards link to their screen.

The milestone spine (Sharon's list, verbatim, and it is canonical): Application Taken → Processing → Initial Submission → Approved / Suspended → Resubmitted → Clear to Close → Docs Out → Closed → Funded → Post Closing → Purchased. Withdrawn and Denied are first-class milestones, not error states.

① Intake & handoff Loan Officer · in the POS / LO Portal

Application takenProgressive 1003 — 236 data points, captured once.
Credit ordered ⭐By the LO, at pre-approval. Not the processor — a processing screen with "order credit" as its main action is modeled on the wrong shop.
Initial disclosuresGATE #1 — safeguards ⚠️ Who sends these is contested. the seam →
Handoff creates the fileMISMO 3.4 push, idempotent. Consents and their timestamps travel. Nothing is retyped.

② Processing Processor · the workhorse station

Review creditReviews what the LO ordered. Representative-score rule shown and named.
Order servicesAppraisal · title · flood · VOE · 4506-C — from the LOS, response recorded in-file. Target: under two minutes, one screen.
Pre-AUS validation ⭐NEWBlocks the run rather than producing findings that must be re-run.
Run AUSDU / LPA in-system, findings stored, re-run shows a diff.
Clear conditionsAuto-conditions already present, tagged by trigger. the screen →
Submission checklistGATE — to Initial Submission

③ Underwriting Underwriter · assess · decide · condition

1003 + AUS side by sideThe most-requested affordance, most often broken by tab navigation.
IncomeCalculator shows its work; the UW accepts or overrides and owns the number.
GOVT tabs ⭐FHA / VA / USDA appear when the loan type needs them. Today there are none, so gov loans get worked around the system. the screen →
DecisionGATE #2 — before CTC Deny → adverse-action clock starts, all borrower automation halts.

④ Closing Closer / Funder · Toni — one seat

The 2015 ⭐Template loads it. Type-to-fill title. Each fee shows its LE § and CD §.⏱ 20–25 min → 5–10 the screen →
Aggregate escrowDue dates + 2-month cushion → §1000. Taxes due ≤30 days land on line 907.
Vesting & the checkboxesEach control has a defined consequence — trust, POA, manufactured-home affixed.fires conditions the screen →
Issue the ICDGATE #3 — blocks issuance Requested by the processor as a task. B-boxes marked shopped. the gate →
FundNet wire computed; title balances before funds are ordered. PTF conditions gate release the screen →

⑤ Post-close Post-Closer · Maddie — owns the back half

InsureFHA MIC · VA LGC · USDA Loan Note Guarantee. Aging view: funded >X days without a certificate.
MERS lifecycleRegister → warehouse (needs the warehouse-MERS field that does not exist today) → transfer → investor.
UCD round-tripGenerate → deliver → status back, without leaving the system.
Investor ConnectDeliver data + docs to the profile. Zero investor-portal logins.
Purchasedauto-fires the chain MERS transfer → goodbye letter → warehouse payoff → finalize. the screen →

⑥ Running alongside Secondary · QC · Manager · Admin

Lock deskLock / extend / relock at the correct plan code. Extension cost captured and attributed.
QC draw ⭐NEWMonthly, automatic, at the configured percentage — with reviewer independence enforced. the screen →
Manager viewsScope-derived. Two views, not one compromise. the screen →
Admin consoleFee templates by branch × state × product — the compliance control. the screen →

The paths that are not the happy path

Suspended

Conditions routed back with an owner; aging tracked; the file stays visible rather than falling out of every view.

Denied

Adverse-action clock starts; reasons specific and traceable; all borrower automation halts — synchronously, confirmed across the seam.

Withdrawn

Distinct from denied. Different obligations, different record. Automation halts here too.

Incomplete

NOIA on the 30/60/90 plan, surfacing as tasks and reports — not silence.

Re-disclosure / COC

Valid reason from a controlled table with timing rules. A valid change of circumstance is a legal test, not a free-text field.

Rush & escalation

A defined rush policy with a flag visible downstream, and a documented escalation path. ⭐NEW — Sharon has one written; it is in none of the spec documents.

Three channels, not two

Retail (majority) · Correspondent, non-delegated UW (~20–25%) — disclose and process in-house, the processor uploads to the investor to underwrite, conditions mirror back, finish in-house with docs, wire and funding · Brokered (~10–15%) — ⭐ absent from the blueprint entirely. That is roughly one loan in eight with no modeled home. Her Broker Milestone Process and Broker Channel Process documents are sitting in the source folder, unused.