TOE Engineering Presentation Series/TOE: Application & Portal Journey

Every Borrower Follows One Path

From landing page through application, portal tasks, and the full lender feedback loop.

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Branded Signup & Application

Two screens of data collection before signup.

Signup Bridges Auth to the Loan File

From signup to an authenticated session with a loan file.

Decisions Drive Completion, Not Visibility

The decision engine tracks which ones are complete via satisfy codes.

The Portal Is Where Fulfillment Happens

Borrowers complete lender-requested tasks: docs, identity, bank accounts.

Every Task Follows the Same Lifecycle

From lender order to borrower completion.

The Decision Engine Connects Both Sides

Every borrower action flows through the decision engine.

Fulfillment Loops Until All Tasks Clear

The borrower fulfills remaining tasks, then the loan moves to closing and funding.

Landing Page to Funded Loan

The full borrower path — and where to go next in the series.

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