AgentSkillsCN

Process Mortgage Application

处理抵押贷款申请

SKILL.md

Skill: Process Mortgage Application

Domain

financial_services

Description

Processes mortgage loan applications by evaluating borrower creditworthiness, property valuation, and debt-to-income ratios against lending guidelines.

Tags

mortgage, lending, underwriting, credit, real-estate, banking

Use Cases

  • •Mortgage pre-qualification
  • •Loan application processing
  • •Credit risk assessment
  • •Debt-to-income analysis

Proprietary Business Rules

Rule 1: Credit Score Evaluation

Tiered pricing based on FICO score bands.

Rule 2: DTI Ratio Limits

Maximum debt-to-income ratio thresholds by loan program.

Rule 3: LTV Requirements

Loan-to-value limits and PMI requirements.

Rule 4: Income Verification

Documentation requirements for income validation.

Input Parameters

  • •application_id (string): Application identifier
  • •borrower_info (dict): Borrower financial profile
  • •property_info (dict): Property details
  • •loan_request (dict): Requested loan terms
  • •credit_report (dict): Credit information
  • •income_documents (list): Income verification docs

Output

  • •decision (string): Approval decision
  • •approved_amount (float): Maximum approved loan
  • •interest_rate (float): Offered interest rate
  • •conditions (list): Approval conditions
  • •risk_assessment (dict): Risk analysis details

Implementation

The processing logic is implemented in mortgage_processor.py and references data from CSV files:

  • •credit_tiers.csv - Reference data
  • •ltv_limits.csv - Reference data
  • •loan_programs.csv - Reference data
  • •pmi_rates.csv - Reference data
  • •parameters.csv - Reference data.

Usage Example

python
from mortgage_processor import process_application

result = process_application(
    application_id="MTG-2026-001",
    borrower_info={"annual_income": 120000, "employment_years": 5},
    property_info={"value": 450000, "type": "single_family"},
    loan_request={"amount": 360000, "term_years": 30},
    credit_report={"fico_score": 740, "derogatory_marks": 0},
    income_documents=[{"type": "w2", "verified": True}]
)

print(f"Decision: {result['decision']}")

Test Execution

python
from mortgage_processor import process_application

result = process_application(
    application_id=input_data.get('application_id'),
    borrower_info=input_data.get('borrower_info', {}),
    property_info=input_data.get('property_info', {}),
    loan_request=input_data.get('loan_request', {}),
    credit_report=input_data.get('credit_report', {}),
    income_documents=input_data.get('income_documents', [])
)