LOS Framework - Loan Origination System

Author: Trygve "Trig" Bundgaard (aka Ubuntu Buddha)

Enterprise loan origination architecture derived from production deployment. Demonstrates multi-stakeholder workflows, payment gateway integration, document management, and e-signature systems within WordPress.

Status

Component	Status
Core Pipeline (13 stages)	Complete
Application Management	Complete
Document Management	Complete
E-Signature System	Complete
Customer Portal	Complete
Payment Setup (Dwolla)	Complete
Payment Processing	In Progress
Email Templates	In Progress
Reporting Dashboard	In Progress

This codebase was sanitized from a production deployment. Business-specific logic and credentials have been removed. Core workflows are functional; some features remain in progress.

Design Philosophy

This plugin demonstrates enterprise WordPress development with complex financial systems:

• Financial Domain Expertise: Loan origination, underwriting, servicing workflows
• Modular Architecture: Separation of concerns, security-first patterns
• Integration Patterns: Payment gateway (Dwolla), credit bureau APIs, webhook systems
• Security-First Design: File integrity verification, role-based access control, audit logging
• Workflow Automation: 13-stage pipeline with configurable transitions and approvals

Why This Exists

Loan origination systems are complex, requiring coordination between multiple stakeholders (borrowers, underwriters, administrators, guarantors), document management, payment processing, and regulatory compliance. This framework provides:

• Unified Platform: All loan origination activities in familiar WordPress interface
• Document Lifecycle Management: Upload, approval, e-signature, secure storage
• Workflow Automation: Pipeline stages with automatic and manual transitions
• Payment Integration: ACH payment setup and processing via Dwolla
• Customer Portal: Self-service access for borrowers to view loans, upload documents, make payments
• Security & Compliance: File integrity monitoring, audit trails, ESIGN Act compliance

Architecture

graph TB
    subgraph CustomerPortal [Customer Portal]
        CP_Dashboard[Dashboard]
        CP_Docs[Document Upload]
        CP_Payments[Payment Setup]
        CP_Signing[E-Signature]
    end

    subgraph AdminDashboard [Admin Dashboard]
        AD_Pipeline[Pipeline Manager]
        AD_Underwriting[Underwriting]
        AD_DocApproval[Document Approval]
        AD_LoanMgmt[Loan Management]
    end

    subgraph CoreEngine [Core Engine]
        Workflow[Workflow Engine]
        DocMgr[Document Manager]
        SignMgr[Signature Manager]
        PaymentProc[Payment Processor]
    end

    subgraph Integrations [External Integrations]
        Dwolla[Dwolla ACH]
        CreditAPI[Credit Bureau API]
        Zapier[Zapier Webhooks]
    end

    subgraph DataLayer [Data Layer]
        WP_DB[(WordPress DB)]
        CustomTables[(Custom Tables)]
        FileStorage[Secure File Storage]
    end

    CustomerPortal --> CoreEngine
    AdminDashboard --> CoreEngine
    CoreEngine --> Integrations
    CoreEngine --> DataLayer

Key Features (Implemented)

Core Loan Origination

• 13-Stage Pipeline: Qualification → Full Application → Document Collection → Underwriting → Approval → Funding → Servicing
• Application Management: Qualification forms, full application forms with 100+ meta fields
• Loan File Management: Dashboard, detail views, status tracking, notes system
• Underwriting Engine: Decision logic, credit score evaluation, missing field detection

Document Management

• Document Upload & Storage: Secure file storage with type validation
• Approval Workflow: Document review and approval system
• Comment Threads: Real-time document comments with notifications
• Document Requests: Automated document request system
• File Integrity: SHA-256 hashing with tamper detection

E-Signature System

• Multi-Party Signing: Borrower, guarantor, and CEO signing workflows
• PDF Generation: Promissory note generation with embedded signatures
• Secure Links: Tokenized signing links with expiration
• ESIGN Compliance: Electronic signature disclosure and consent
• Audit Logging: Complete signature event tracking

Payment Processing

• Dwolla Integration: ACH payment method setup
• Payment History: Transaction tracking with late payment indicators
• Recurring Payments: Payment scheduling and management
• Payment Dashboard: Customer-facing payment interface

Security Features

• Role-Based Access Control: Custom WordPress roles (loan_customer, guarantor, loan_underwriter)
• File Integrity Monitoring: SHA-256 verification with security dashboard
• Path Traversal Prevention: Secure file access controls
• Security Event Logging: Comprehensive security audit trail
• Nonce Verification: CSRF protection on all AJAX endpoints

Customer Portal

• Dashboard: Loan overview, payment status, document status
• Document Management: Upload, view, comment on documents
• Payment Management: Setup payment methods, view history
• E-Signature Interface: Sign loan documents electronically

Installation

1. Clone or download this repository into your WordPress plugins directory:

   cd /path/to/wordpress/wp-content/plugins/
   git clone https://github.com/Ubuntu-Buddha/loan-origination-system.git

2. Activate the plugin in WordPress admin (Plugins → Installed Plugins)

3. Configure settings (Settings → LOS Framework):

   • Payment gateway credentials (Dwolla API key/secret)
   • Credit bureau API credentials
   • Email notification settings
   • Security settings

4. Database tables are created automatically on activation

Usage

Shortcodes

Customer Dashboard:

[los_framework_customer_dashboard]

Application Form:

[los_framework_application_form]

Loan Files Dashboard:

[los_framework_loan_files_dashboard]

Admin Dashboard:

[los_framework_admin_dashboard]

Pipeline Stages

The loan origination workflow follows these stages:

1. Qualification Submitted
2. Qualified
3. Full App Sent
4. Full App Received
5. Docs Requested
6. Docs Received
7. Docs Approved
8. Credit Pulled
9. Terms Offered
10. Customer Approved
11. CEO Approved
12. Funded
13. Servicing

Document Types

Supported document types include:

• Driver's License (front/back)
• Business Entity Documents
• Income Proforma
• Location Contract
• Bank Statements
• Tax Returns
• And more (configurable)

Technical Details

Database Schema

Custom tables created:

• wp_los_framework_loan_files - Loan file records
• wp_los_framework_applications - Application data
• wp_los_framework_loans - Loan records
• wp_los_framework_payments - Payment transactions
• wp_los_framework_documents - Document metadata
• wp_los_framework_document_comments - Document comments
• wp_los_framework_signed_documents - E-signature records
• wp_los_framework_security_events - Security audit log

API Integrations

• Dwolla: ACH payment processing
• Credit Bureau API: Credit report retrieval
• Zapier: Webhook integration for automation
• WordPress REST API: Custom endpoints for external access

Security Considerations

• All file uploads validated and sanitized
• SQL injection prevention via prepared statements
• XSS prevention via WordPress escaping functions
• CSRF protection via nonce verification
• Role-based access control enforced
• File integrity monitoring with SHA-256
• Security event logging for audit trails

Performance

• Database Optimization: Indexed custom tables for fast queries
• File Storage: Secure server-side storage with access controls
• AJAX Operations: Asynchronous operations for better UX
• Caching: WordPress transients for frequently accessed data

Deployment Notes

This codebase requires configuration before deployment:

• API Credentials: Dwolla, credit bureau APIs must be configured
• Business Logic: Underwriting rules, rate calculations need customization
• Compliance Review: Financial services require legal/compliance review
• Security Audit: Recommended before handling real financial data
• Performance Testing: Required for high-volume deployments

The architecture patterns and workflows are derived from production use. Adaptation for a specific business context is required.

Portfolio Highlights

Skill Demonstrated	Evidence
Financial Domain Expertise	Loan origination, underwriting, servicing workflows
Enterprise WordPress Development	Complex plugin architecture, custom post types, roles
Payment Gateway Integration	Dwolla ACH integration, payment processing patterns
Document Management Systems	Upload, approval, e-signature, integrity verification
Workflow Automation	13-stage pipeline with configurable transitions
Security Implementation	File integrity, RBAC, audit logging, CSRF protection
E-Signature System	Multi-party signing, PDF generation, ESIGN compliance
Database Design	Custom tables, relationships, migrations
API Integration	REST endpoints, webhooks, external service integration
Full-Stack Development	PHP backend, JavaScript frontend, database layer

Dependencies

• WordPress: 5.6+ (core functionality)
• PHP: 7.4+ (required for modern features)
• Dwolla SDK: Included in /lib/dwolla/
• External Services: Dwolla API, Credit Bureau API (configurable)

License

MIT License - See LICENSE file for details.

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Enterprise WordPress architecture for financial workflows.