feat(loan-origination): add full backend persistence for the sanctioning pipeline

Adds a lightweight loan-origination-pipeline module (application, stage history,
approvals, FI checks and documents) with server-side validation per stage
transition, so every field, upload and decision on the Loan Origination screen
survives a page refresh instead of living only in the browser.

Also fixes two content-store bugs found while wiring document uploads through
the generic Fineract document store: the CSV mime/extension whitelist rejected
bank-statement uploads outright, and the post-upload mime consistency check
rejected any CSV whose byte-content sniffs as text/plain (which is all of them,
since CSV has no distinguishing magic bytes).

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>

fineract-document/src/main/java/org/apache/fineract/infrastructure/contentstore/policy/MimeContentPolicy.java

@@ -18,6 +18,7 @@
  */
 package org.apache.fineract.infrastructure.contentstore.policy;
 
+import java.util.Set;
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
 import org.apache.commons.lang3.Strings;
@@ -31,6 +32,10 @@ import org.springframework.stereotype.Component;
 @Component
 public class MimeContentPolicy implements ContentPolicy {
 
+    // CSV has no content-level magic bytes, so byte-sniffing a delimited text file legitimately
+    // detects it as text/plain even though it was uploaded (and named) as text/csv.
+    private static final Set<String> INTERCHANGEABLE_TEXT_MIME_TYPES = Set.of("text/csv", "text/plain");
+
     private final ContentDetectorManager contentDetectorManager;
 
     @Override
@@ -39,7 +44,11 @@ public class MimeContentPolicy implements ContentPolicy {
             var result = contentDetectorManager
                     .detect(ContentDetectorContext.builder().inputStream(ctx.getInputStream()).inputStreamEnabled(true).build());
 
-            if (!Strings.CI.equals(result.getMimeType(), ctx.getMimeType())) {
+            boolean matches = Strings.CI.equals(result.getMimeType(), ctx.getMimeType())
+                    || (INTERCHANGEABLE_TEXT_MIME_TYPES.contains(result.getMimeType())
+                            && INTERCHANGEABLE_TEXT_MIME_TYPES.contains(ctx.getMimeType()));
+
+            if (!matches) {
                 throw new ContentPolicyException(String.format("Detected file type (%s), but mime type (%s) was provided. Mismatch!",
                         result.getMimeType(), ctx.getMimeType()));
             }

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanoriginationpipeline/api/LoanOriginationPipelineApiResource.java

@@ -0,0 +1,277 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanoriginationpipeline.api;
+
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.POST;
+import jakarta.ws.rs.PUT;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.PathParam;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.QueryParam;
+import jakarta.ws.rs.core.MediaType;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationPipelineService;
+import org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationStageService;
+import org.springframework.stereotype.Component;
+
+/**
+ * REST endpoints for the Loan Origination Pipeline — the sanctioning workflow an application walks
+ * through before a real loan account is ever opened (Application → KYC/OVD → CIC Credit Bureau Check
+ * → Field Investigation → Personal Discussion → Credit Committee → Risk Approval → Legal Approval →
+ * Customer Signing → Cheque/ACH → Post-Disbursement Check → Disbursed).
+ *
+ * <pre>
+ *   GET  /v1/loan-origination/applications                    – list (optional branchCode/stage/status filters)
+ *   GET  /v1/loan-origination/applications/{applicationNo}    – one application, in full
+ *   POST /v1/loan-origination/applications                    – create from the New Application wizard
+ *   PUT  /v1/loan-origination/applications/{applicationNo}    – save the whole application back
+ *   POST /v1/loan-origination/applications/seed               – one-time seed; no-ops if already seeded
+ * </pre>
+ *
+ * <p>
+ * Requests/responses are the application object verbatim, so the request body is passed straight
+ * through as JSON rather than being bound to a DTO. A DTO would have to mirror all ~111 workflow
+ * fields and would silently drop any field it had not been updated to know about — the exact failure
+ * this module has to avoid, since the workflow gains fields regularly.
+ *
+ * <p>
+ * Authorisation is a normal authenticated staff session. These endpoints deliberately do not define
+ * their own permission codes: the pipeline is the sanctioning process for lending, so it is gated by
+ * the same authenticated-staff check the rest of the loan screens use, and per-stage authority
+ * (who may sit on the Credit Committee, who signs off Risk/Legal) is a workflow concern enforced on
+ * the application record itself, not a Fineract entity permission.
+ */
+@Path("/v1/loan-origination/applications")
+@Component
+@Tag(name = "Loan Origination Pipeline",
+        description = "Pre-disbursement sanctioning workflow: KYC/OVD, CIC credit bureau check, Field Investigation, "
+                + "Personal Discussion, Credit Committee, Risk & Legal approval, signing and disbursement.")
+@RequiredArgsConstructor
+public class LoanOriginationPipelineApiResource {
+
+    private final PlatformSecurityContext context;
+    private final LoanOriginationPipelineService service;
+    private final LoanOriginationStageService stageService;
+
+    @GET
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "List loan origination applications",
+            description = "Newest first. Filters are optional — the Pipeline screen also filters client-side.")
+    public String retrieveAll(@QueryParam("branchCode") final String branchCode, @QueryParam("stage") final String stage,
+            @QueryParam("status") final String status) {
+        this.context.authenticatedUser();
+        return this.service.findAllAsJson(branchCode, stage, status);
+    }
+
+    @GET
+    @Path("{applicationNo}")
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Retrieve one loan origination application in full")
+    public String retrieveOne(@PathParam("applicationNo") final String applicationNo) {
+        this.context.authenticatedUser();
+        return this.service.findOneAsJson(applicationNo);
+    }
+
+    @POST
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Create a loan origination application",
+            description = "Body is the application object as built by the New Application wizard.")
+    public String create(final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.service.create(apiRequestBodyAsJson);
+    }
+
+    @PUT
+    @Path("{applicationNo}")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Save a loan origination application",
+            description = "Full-object save: the body replaces the stored application, its stage history, "
+                    + "approvals, field-investigation checks and document checklists.")
+    public String save(@PathParam("applicationNo") final String applicationNo, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.service.save(applicationNo, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("seed")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Seed the pipeline once",
+            description = "Inserts the supplied applications only when the pipeline is empty, so reloading the "
+                    + "frontend cannot duplicate the book. Returns the number actually inserted.")
+    public String seed(final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return "{\"seeded\":" + this.service.seed(apiRequestBodyAsJson) + "}";
+    }
+
+    // ─────────────────────────────────────────────────────────────────────────
+    // Per-stage transitions.
+    //
+    // Each of these takes only its own step's inputs (who acted, remarks, a resolution number) and
+    // lets the server validate the stage's prerequisites against the stored record before applying
+    // the change. The full-object PUT above still exists for inline field edits; these exist because
+    // a sanctioning decision should not be something a caller can simply assert. Every one returns
+    // the updated application, so the client replaces its copy rather than guessing the result.
+    // ─────────────────────────────────────────────────────────────────────────
+
+    @POST
+    @Path("{applicationNo}/kyc-complete")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Complete KYC & Document Collection",
+            description = "Requires Aadhaar/PAN verified, income proof, bank statement and address proof submitted, "
+                    + "income assessed, and every product-specific document submitted.")
+    public String completeKyc(@PathParam("applicationNo") final String applicationNo, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.completeKyc(applicationNo, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/cic-complete")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Complete the CIC / credit bureau check",
+            description = "Requires the borrower's signed consent, the collected bureau charge and an uploaded report.")
+    public String completeCicCheck(@PathParam("applicationNo") final String applicationNo, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.completeCicCheck(applicationNo, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/field-investigation/{checkKey}/verify")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Mark one field investigation check verified",
+            description = "Requires an assigned officer, GPS coordinates and at least one site photograph "
+                    + "to already be recorded against the visit.")
+    public String verifyFieldCheck(@PathParam("applicationNo") final String applicationNo,
+            @PathParam("checkKey") final String checkKey, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.verifyFieldCheck(applicationNo, checkKey, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/field-investigation/{checkKey}/reject")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Mark one field investigation check failed", description = "A reason is mandatory.")
+    public String rejectFieldCheck(@PathParam("applicationNo") final String applicationNo,
+            @PathParam("checkKey") final String checkKey, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.rejectFieldCheck(applicationNo, checkKey, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/field-investigation/complete")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Complete Field Investigation",
+            description = "Requires every applicable check (address, office, plus property when secured and shop "
+                    + "when the applicant runs one) to be verified.")
+    public String completeFieldInvestigation(@PathParam("applicationNo") final String applicationNo,
+            final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.completeFieldInvestigation(applicationNo, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/personal-discussion/clear")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Clear the personal discussion and proceed")
+    public String clearPersonalDiscussion(@PathParam("applicationNo") final String applicationNo,
+            final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.clearPersonalDiscussion(applicationNo, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/personal-discussion/flag")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Flag a discrepancy and hold the application",
+            description = "A discrepancy type and notes are both mandatory.")
+    public String flagDiscrepancy(@PathParam("applicationNo") final String applicationNo, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.flagDiscrepancy(applicationNo, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/personal-discussion/resolve")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Resolve a held discrepancy and proceed")
+    public String resolveDiscrepancy(@PathParam("applicationNo") final String applicationNo, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.resolveDiscrepancy(applicationNo, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/approvals/{field}")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Record an approval decision",
+            description = "`field` is one of creditCommitteeApproval, riskApproval, legalApproval, postCheckApproval. "
+                    + "An APPROVED decision is checked against that stage's own checklist — the Credit Committee also "
+                    + "requires a resolution number and date. A REJECTED decision is always permitted.")
+    public String decideApproval(@PathParam("applicationNo") final String applicationNo, @PathParam("field") final String field,
+            final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.decideApproval(applicationNo, field, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/signing")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Record the customer's signing of the loan agreement")
+    public String markSigned(@PathParam("applicationNo") final String applicationNo, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.markSigned(applicationNo, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/cheque-ach")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Confirm security cheques received and ACH mandate signed")
+    public String confirmChequeAch(@PathParam("applicationNo") final String applicationNo, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.confirmChequeAch(applicationNo, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/disburse")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Disburse the loan",
+            description = "Requires all four approval levels to stand as approved and the customer to have signed. "
+                    + "Optionally records the real Fineract loan account created at disbursement.")
+    public String disburse(@PathParam("applicationNo") final String applicationNo, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.disburse(applicationNo, apiRequestBodyAsJson);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanoriginationpipeline/service/LoanOriginationJson.java

@@ -0,0 +1,138 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanoriginationpipeline.service;
+
+import com.google.gson.JsonArray;
+import com.google.gson.JsonElement;
+import com.google.gson.JsonObject;
+import com.google.gson.JsonParser;
+import java.math.BigDecimal;
+import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
+
+/**
+ * Null-safe accessors for the loan origination application object.
+ *
+ * <p>
+ * The application is handled as JSON rather than a typed entity (see
+ * {@link LoanOriginationPipelineService} for why), so every read has to tolerate a key being absent,
+ * explicitly null, or the wrong JSON type — an older application stored before a field existed is a
+ * normal, expected case, not an error. These helpers turn all three into a sensible default so no
+ * caller has to repeat the checks.
+ */
+public final class LoanOriginationJson {
+
+    private LoanOriginationJson() {}
+
+    public static JsonObject parseObject(final String body) {
+        if (body == null || body.isBlank()) {
+            // An action with no inputs (e.g. "mark signed") legitimately posts an empty body.
+            return new JsonObject();
+        }
+        final JsonElement parsed = JsonParser.parseString(body);
+        if (!parsed.isJsonObject()) {
+            throw new GeneralPlatformDomainRuleException("error.msg.loan.origination.body.invalid",
+                    "Request body must be a JSON object.");
+        }
+        return parsed.getAsJsonObject();
+    }
+
+    public static boolean present(final JsonObject obj, final String key) {
+        return obj != null && obj.has(key) && !obj.get(key).isJsonNull();
+    }
+
+    public static String str(final JsonObject obj, final String key) {
+        return present(obj, key) && obj.get(key).isJsonPrimitive() ? obj.get(key).getAsString() : null;
+    }
+
+    /** Trimmed value, or the fallback when absent/blank. */
+    public static String strOr(final JsonObject obj, final String key, final String fallback) {
+        final String value = str(obj, key);
+        return value == null || value.isBlank() ? fallback : value.trim();
+    }
+
+    /**
+     * True when a field holds real content. Treats the {@code '—'} em-dash as empty: the workflow uses
+     * it as a "nothing recorded yet" placeholder throughout, so a check for "has this been filled in"
+     * has to reject it or every blank field would read as populated.
+     */
+    public static boolean filled(final JsonObject obj, final String key) {
+        final String value = str(obj, key);
+        return value != null && !value.trim().isEmpty() && !"—".equals(value.trim());
+    }
+
+    public static Long lng(final JsonObject obj, final String key) {
+        try {
+            return present(obj, key) && obj.get(key).isJsonPrimitive() ? obj.get(key).getAsLong() : null;
+        } catch (final NumberFormatException e) {
+            return null;
+        }
+    }
+
+    public static BigDecimal dec(final JsonObject obj, final String key) {
+        try {
+            return present(obj, key) && obj.get(key).isJsonPrimitive() ? obj.get(key).getAsBigDecimal() : null;
+        } catch (final NumberFormatException e) {
+            return null;
+        }
+    }
+
+    public static boolean bool(final JsonObject obj, final String key) {
+        return present(obj, key) && obj.get(key).isJsonPrimitive() && obj.get(key).getAsBoolean();
+    }
+
+    public static int intOr(final JsonObject obj, final String key, final int fallback) {
+        try {
+            return present(obj, key) && obj.get(key).isJsonPrimitive() ? obj.get(key).getAsInt() : fallback;
+        } catch (final NumberFormatException e) {
+            return fallback;
+        }
+    }
+
+    public static JsonObject obj(final JsonObject parent, final String key) {
+        return present(parent, key) && parent.get(key).isJsonObject() ? parent.getAsJsonObject(key) : null;
+    }
+
+    /** The nested object, creating and attaching an empty one if it isn't there yet. */
+    public static JsonObject objOrCreate(final JsonObject parent, final String key) {
+        final JsonObject existing = obj(parent, key);
+        if (existing != null) {
+            return existing;
+        }
+        final JsonObject created = new JsonObject();
+        parent.add(key, created);
+        return created;
+    }
+
+    public static JsonArray arr(final JsonObject parent, final String key) {
+        return present(parent, key) && parent.get(key).isJsonArray() ? parent.getAsJsonArray(key) : new JsonArray();
+    }
+
+    public static JsonArray arrOrCreate(final JsonObject parent, final String key) {
+        if (present(parent, key) && parent.get(key).isJsonArray()) {
+            return parent.getAsJsonArray(key);
+        }
+        final JsonArray created = new JsonArray();
+        parent.add(key, created);
+        return created;
+    }
+
+    public static String rawJson(final JsonObject obj, final String key) {
+        return present(obj, key) ? obj.get(key).toString() : null;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanoriginationpipeline/service/LoanOriginationPipelineService.java

@@ -0,0 +1,403 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanoriginationpipeline.service;
+
+import com.google.gson.JsonArray;
+import com.google.gson.JsonElement;
+import com.google.gson.JsonObject;
+import com.google.gson.JsonParser;
+import java.math.BigDecimal;
+import java.util.ArrayList;
+import java.util.List;
+import java.util.Map;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+/**
+ * Persistence for the Loan Origination Pipeline — the pre-disbursement sanctioning workflow
+ * (Application → KYC → CIC Check → Field Investigation → Personal Discussion → Credit Committee →
+ * Risk → Legal → Signing → Cheque/ACH → Post-Check → Disbursed).
+ *
+ * <p>
+ * <b>Storage shape.</b> {@code payload} holds the complete application object as JSON and is the
+ * single source of truth for reads. The dozen real columns on
+ * {@code m_loan_origination_application}, and the four child tables, are <i>derived indexes</i> —
+ * they exist so the Pipeline list, the Channel/BC/Share reports, Target-vs-Actual and audit queries
+ * ("every application this officer approved") can be plain SQL instead of scanning JSON. They are
+ * never read back into the application object.
+ *
+ * <p>
+ * That deliberately stores those fields twice, which is the right trade here: every write goes
+ * through {@link #writeApplication} in one transaction and rewrites the payload, the columns and all
+ * child rows together from the same source, so the copies cannot drift. The alternative — splitting
+ * fields so nothing repeats — would force the read path to reconstruct a dozen values back out of
+ * SQL types (a {@code DECIMAL(19,6)} returning {@code 100000.000000} where the UI expects
+ * {@code 100000}, a null {@code BIGINT} vs an absent key), which is exactly the class of silent
+ * field-level corruption this module cannot afford.
+ *
+ * <p>
+ * The one field kept out of {@code payload} is {@code cicParsedAnalysis} — a parsed credit-bureau
+ * report with a per-account seven-year day-past-due grid. It is large, opaque and only ever rendered
+ * whole, so it gets its own column rather than being duplicated alongside everything else.
+ *
+ * <p>
+ * Because the payload is "the whole object minus that one field" rather than an allowlist of known
+ * keys, a field added to the workflow later persists with no schema or code change here. Given how
+ * fast this workflow gains fields, an allowlist would drop them silently.
+ */
+@Service
+@RequiredArgsConstructor
+public class LoanOriginationPipelineService {
+
+    /** Pulled out of the payload into its own column — see class javadoc. */
+    private static final String CIC_ANALYSIS_KEY = "cicParsedAnalysis";
+
+    /**
+     * The row's primary key. Kept out of the payload so it can only ever come from the column — a
+     * stale id round-tripped inside the JSON would silently point uploaded documents at the wrong
+     * application.
+     */
+    private static final String ID_KEY = "id";
+
+    private static final String SELECT_COLUMNS = "id, payload, cic_parsed_analysis";
+
+    private final JdbcTemplate jdbcTemplate;
+
+    // ── Read ─────────────────────────────────────────────────────────────────
+
+    /**
+     * Every application, newest first. Optional filters are pushed into SQL; the Pipeline screen also
+     * filters in-memory, so passing nothing here is perfectly valid.
+     */
+    public String findAllAsJson(final String branchCode, final String stage, final String status) {
+        final StringBuilder sql = new StringBuilder("SELECT " + SELECT_COLUMNS + " FROM m_loan_origination_application WHERE 1=1");
+        final List<Object> params = new ArrayList<>();
+        if (isSet(branchCode)) {
+            sql.append(" AND branch_code = ?");
+            params.add(branchCode);
+        }
+        if (isSet(stage)) {
+            sql.append(" AND current_stage = ?");
+            params.add(stage);
+        }
+        if (isSet(status)) {
+            sql.append(" AND overall_status = ?");
+            params.add(status);
+        }
+        sql.append(" ORDER BY id DESC");
+
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList(sql.toString(), params.toArray());
+        final JsonArray out = new JsonArray();
+        for (final Map<String, Object> row : rows) {
+            out.add(reassemble(row));
+        }
+        return out.toString();
+    }
+
+    public String findOneAsJson(final String applicationNo) {
+        return loadApplication(applicationNo).toString();
+    }
+
+    /**
+     * Loads one application as a mutable object. This is the entry point the per-stage endpoints use:
+     * they validate and apply their transition against the state that is actually stored, never
+     * against what a caller claims it is.
+     */
+    public JsonObject loadApplication(final String applicationNo) {
+        final List<Map<String, Object>> rows = jdbcTemplate
+                .queryForList("SELECT " + SELECT_COLUMNS + " FROM m_loan_origination_application WHERE application_no = ?",
+                        applicationNo);
+        if (rows.isEmpty()) {
+            throw new GeneralPlatformDomainRuleException("error.msg.loan.origination.application.not.found",
+                    "No loan origination application found with number " + applicationNo + ".", applicationNo);
+        }
+        return reassemble(rows.get(0));
+    }
+
+    /**
+     * Rebuilds the application object: the stored payload, with the bureau report re-attached and the
+     * row's own id surfaced. The id is what uploaded files hang off — documents are stored against
+     * {@code m_document.parent_entity_id}, so the client needs it to upload and fetch attachments.
+     */
+    private JsonObject reassemble(final Map<String, Object> row) {
+        final JsonObject app = parseObject(asString(row.get("payload")));
+        final Object id = row.get("id");
+        if (id != null) {
+            app.addProperty("id", Long.valueOf(id.toString()));
+        }
+        final String cic = asString(row.get("cic_parsed_analysis"));
+        if (cic != null && !cic.isBlank()) {
+            app.add(CIC_ANALYSIS_KEY, JsonParser.parseString(cic));
+        }
+        return app;
+    }
+
+    // ── Write ────────────────────────────────────────────────────────────────
+
+    /**
+     * Creates an application. The caller (the New Application wizard) has already derived the
+     * application number and the blank per-stage structures, so this stores the object as given
+     * rather than re-deriving a second, competing set of defaults server-side.
+     */
+    @Transactional
+    public String create(final String requestBodyAsJson) {
+        final JsonObject app = parseObject(requestBodyAsJson);
+        final String applicationNo = stringOrNull(app, "applicationNo");
+        if (applicationNo == null || applicationNo.isBlank()) {
+            throw new GeneralPlatformDomainRuleException("error.msg.loan.origination.application.no.required",
+                    "applicationNo is required.");
+        }
+        final Long existing = jdbcTemplate.queryForObject(
+                "SELECT COUNT(*) FROM m_loan_origination_application WHERE application_no = ?", Long.class, applicationNo);
+        if (existing != null && existing > 0) {
+            throw new GeneralPlatformDomainRuleException("error.msg.loan.origination.application.duplicate",
+                    "An application numbered " + applicationNo + " already exists.", applicationNo);
+        }
+        // Read back rather than echoing the request: the caller needs the assigned id to be able to
+        // attach documents to this application.
+        insertApplication(app);
+        return findOneAsJson(applicationNo);
+    }
+
+    /**
+     * Full-object save. The workflow's stage transitions are all applied client-side against the
+     * whole application object, so the whole object is what gets written back — there is no
+     * per-action field allowlist that could quietly omit a field.
+     */
+    @Transactional
+    public String save(final String applicationNo, final String requestBodyAsJson) {
+        return storeApplication(applicationNo, parseObject(requestBodyAsJson));
+    }
+
+    /** Writes a whole application object back. Shared by the full-object save and every per-stage
+     *  endpoint, so both paths persist through exactly the same code. */
+    @Transactional
+    public String storeApplication(final String applicationNo, final JsonObject app) {
+        final Long id = findIdOrThrow(applicationNo);
+
+        final JsonObject payload = app.deepCopy();
+        payload.remove(CIC_ANALYSIS_KEY);
+        payload.remove(ID_KEY);
+
+        jdbcTemplate.update("""
+                UPDATE m_loan_origination_application SET
+                    applicant_name = ?, client_id = ?, branch_code = ?, channel = ?, bc_agent_name = ?,
+                    product_code = ?, requested_amount = ?, current_stage = ?, overall_status = ?,
+                    is_share_member = ?, fineract_loan_id = ?, payload = ?, cic_parsed_analysis = ?,
+                    last_modified_date = CURRENT_TIMESTAMP
+                WHERE id = ?
+                """, stringOrNull(app, "applicantName"), longOrNull(app, "clientId"), stringOrNull(app, "branchCode"),
+                stringOrNull(app, "channel"), stringOrNull(app, "bcAgentName"), stringOrNull(app, "productCode"),
+                decimalOrNull(app, "requestedAmount"), stringOrNull(app, "currentStage"), stringOrNull(app, "overallStatus"),
+                boolOrFalse(app, "isShareMember"), longOrNull(app, "fineractLoanId"), payload.toString(),
+                childJsonOrNull(app, CIC_ANALYSIS_KEY), id);
+
+        writeChildren(id, app);
+        return findOneAsJson(applicationNo);
+    }
+
+    /**
+     * One-time seed. Idempotent by design: it is called on first page load and must not duplicate the
+     * book if the frontend is reloaded, so a non-empty table short-circuits to 0.
+     */
+    @Transactional
+    public int seed(final String requestBodyAsJson) {
+        final Long existing = jdbcTemplate.queryForObject("SELECT COUNT(*) FROM m_loan_origination_application", Long.class);
+        if (existing != null && existing > 0) {
+            return 0;
+        }
+        final JsonElement parsed = JsonParser.parseString(requestBodyAsJson == null ? "[]" : requestBodyAsJson);
+        if (!parsed.isJsonArray()) {
+            throw new GeneralPlatformDomainRuleException("error.msg.loan.origination.seed.invalid",
+                    "Seed body must be a JSON array of applications.");
+        }
+        int seeded = 0;
+        for (final JsonElement element : parsed.getAsJsonArray()) {
+            if (element.isJsonObject()) {
+                insertApplication(element.getAsJsonObject());
+                seeded++;
+            }
+        }
+        return seeded;
+    }
+
+    private void insertApplication(final JsonObject app) {
+        final JsonObject payload = app.deepCopy();
+        payload.remove(CIC_ANALYSIS_KEY);
+        payload.remove(ID_KEY);
+
+        jdbcTemplate.update("""
+                INSERT INTO m_loan_origination_application
+                    (application_no, applicant_name, client_id, branch_code, channel, bc_agent_name,
+                     product_code, requested_amount, current_stage, overall_status, is_share_member,
+                     fineract_loan_id, payload, cic_parsed_analysis)
+                VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
+                """, stringOrNull(app, "applicationNo"), stringOrNull(app, "applicantName"), longOrNull(app, "clientId"),
+                stringOrNull(app, "branchCode"), stringOrNull(app, "channel"), stringOrNull(app, "bcAgentName"),
+                stringOrNull(app, "productCode"), decimalOrNull(app, "requestedAmount"), stringOrNull(app, "currentStage"),
+                stringOrNull(app, "overallStatus"), boolOrFalse(app, "isShareMember"), longOrNull(app, "fineractLoanId"),
+                payload.toString(), childJsonOrNull(app, CIC_ANALYSIS_KEY));
+
+        final Long id = jdbcTemplate.queryForObject("SELECT id FROM m_loan_origination_application WHERE application_no = ?",
+                Long.class, stringOrNull(app, "applicationNo"));
+        writeChildren(id, app);
+    }
+
+    /**
+     * Rewrites the derived child rows for one application. Delete-then-insert rather than a per-row
+     * diff: these collections are small (a stage history is a dozen rows), and a full rewrite cannot
+     * leave a stale row behind the way a partial diff can.
+     */
+    private void writeChildren(final Long id, final JsonObject app) {
+        jdbcTemplate.update("DELETE FROM m_loan_origination_stage_history WHERE application_id = ?", id);
+        jdbcTemplate.update("DELETE FROM m_loan_origination_approval WHERE application_id = ?", id);
+        jdbcTemplate.update("DELETE FROM m_loan_origination_fi_check WHERE application_id = ?", id);
+        jdbcTemplate.update("DELETE FROM m_loan_origination_document WHERE application_id = ?", id);
+
+        final JsonArray history = arrayOrEmpty(app, "stageHistory");
+        for (int i = 0; i < history.size(); i++) {
+            if (!history.get(i).isJsonObject()) {
+                continue;
+            }
+            final JsonObject entry = history.get(i).getAsJsonObject();
+            jdbcTemplate.update("""
+                    INSERT INTO m_loan_origination_stage_history
+                        (application_id, seq_no, stage, action_date, action_by, outcome, remarks)
+                    VALUES (?, ?, ?, ?, ?, ?, ?)
+                    """, id, i, stringOrNull(entry, "stage"), stringOrNull(entry, "date"), stringOrNull(entry, "actionBy"),
+                    stringOrNull(entry, "outcome"), stringOrNull(entry, "remarks"));
+        }
+
+        for (final String field : new String[] { "creditCommitteeApproval", "riskApproval", "legalApproval", "postCheckApproval" }) {
+            final JsonObject approval = objectOrNull(app, field);
+            if (approval == null) {
+                continue;
+            }
+            jdbcTemplate.update("""
+                    INSERT INTO m_loan_origination_approval
+                        (application_id, approval_field, decision, approver_name, approver_role, decision_date, remarks)
+                    VALUES (?, ?, ?, ?, ?, ?, ?)
+                    """, id, field, stringOrNull(approval, "decision"), stringOrNull(approval, "approverName"),
+                    stringOrNull(approval, "approverRole"), stringOrNull(approval, "date"), stringOrNull(approval, "remarks"));
+        }
+
+        for (final String key : new String[] { "addressVerification", "officeVerification", "propertyVerification",
+                "shopVerification" }) {
+            final JsonObject check = objectOrNull(app, key);
+            if (check == null) {
+                continue;
+            }
+            jdbcTemplate.update("""
+                    INSERT INTO m_loan_origination_fi_check
+                        (application_id, check_key, status, verified_by, verified_date, remarks, officer_assigned,
+                         assigned_date, assigned_at, latitude, longitude, photo_count)
+                    VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
+                    """, id, key, stringOrNull(check, "status"), stringOrNull(check, "verifiedBy"),
+                    stringOrNull(check, "verifiedDate"), stringOrNull(check, "remarks"), stringOrNull(check, "officerAssigned"),
+                    stringOrNull(check, "assignedDate"), longOrNull(check, "assignedAt"), stringOrNull(check, "latitude"),
+                    stringOrNull(check, "longitude"), intOrZero(check, "photoCount"));
+        }
+
+        insertDocuments(id, arrayOrEmpty(app, "productDocuments"), "PRODUCT");
+        insertDocuments(id, arrayOrEmpty(app, "legalDocuments"), "LEGAL");
+    }
+
+    private void insertDocuments(final Long id, final JsonArray docs, final String kind) {
+        for (int i = 0; i < docs.size(); i++) {
+            if (!docs.get(i).isJsonObject()) {
+                continue;
+            }
+            final JsonObject doc = docs.get(i).getAsJsonObject();
+            jdbcTemplate.update("""
+                    INSERT INTO m_loan_origination_document
+                        (application_id, doc_kind, doc_key, label, hint, is_custom, submitted, seq_no)
+                    VALUES (?, ?, ?, ?, ?, ?, ?, ?)
+                    """, id, kind, stringOrNull(doc, "key"), stringOrNull(doc, "label"), stringOrNull(doc, "hint"),
+                    boolOrFalse(doc, "custom"), boolOrFalse(doc, "submitted"), i);
+        }
+    }
+
+    private Long findIdOrThrow(final String applicationNo) {
+        final List<Long> ids = jdbcTemplate.queryForList("SELECT id FROM m_loan_origination_application WHERE application_no = ?",
+                Long.class, applicationNo);
+        if (ids.isEmpty()) {
+            throw new GeneralPlatformDomainRuleException("error.msg.loan.origination.application.not.found",
+                    "No loan origination application found with number " + applicationNo + ".", applicationNo);
+        }
+        return ids.get(0);
+    }
+
+    // ── JSON helpers ─────────────────────────────────────────────────────────
+    // Thin aliases over LoanOriginationJson so this class and the per-stage service share one
+    // implementation of the null/absent/wrong-type handling rather than each keeping its own.
+
+    private JsonObject parseObject(final String body) {
+        if (body == null || body.isBlank()) {
+            throw new GeneralPlatformDomainRuleException("error.msg.loan.origination.body.required", "A request body is required.");
+        }
+        return LoanOriginationJson.parseObject(body);
+    }
+
+    private boolean present(final JsonObject obj, final String key) {
+        return LoanOriginationJson.present(obj, key);
+    }
+
+    private String stringOrNull(final JsonObject obj, final String key) {
+        return LoanOriginationJson.str(obj, key);
+    }
+
+    private Long longOrNull(final JsonObject obj, final String key) {
+        return LoanOriginationJson.lng(obj, key);
+    }
+
+    private BigDecimal decimalOrNull(final JsonObject obj, final String key) {
+        return LoanOriginationJson.dec(obj, key);
+    }
+
+    private boolean boolOrFalse(final JsonObject obj, final String key) {
+        return LoanOriginationJson.bool(obj, key);
+    }
+
+    private int intOrZero(final JsonObject obj, final String key) {
+        return LoanOriginationJson.intOr(obj, key, 0);
+    }
+
+    private JsonObject objectOrNull(final JsonObject obj, final String key) {
+        return LoanOriginationJson.obj(obj, key);
+    }
+
+    private JsonArray arrayOrEmpty(final JsonObject obj, final String key) {
+        return LoanOriginationJson.arr(obj, key);
+    }
+
+    private String childJsonOrNull(final JsonObject obj, final String key) {
+        return LoanOriginationJson.rawJson(obj, key);
+    }
+
+    private String asString(final Object value) {
+        return value == null ? null : value.toString();
+    }
+
+    private boolean isSet(final String value) {
+        return value != null && !value.isBlank();
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanoriginationpipeline/service/LoanOriginationStageService.java

@@ -0,0 +1,517 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanoriginationpipeline.service;
+
+import static org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationJson.arr;
+import static org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationJson.arrOrCreate;
+import static org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationJson.bool;
+import static org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationJson.filled;
+import static org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationJson.intOr;
+import static org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationJson.obj;
+import static org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationJson.objOrCreate;
+import static org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationJson.parseObject;
+import static org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationJson.str;
+import static org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationJson.strOr;
+
+import com.google.gson.JsonArray;
+import com.google.gson.JsonElement;
+import com.google.gson.JsonObject;
+import java.time.LocalDate;
+import java.time.format.DateTimeFormatter;
+import java.util.Arrays;
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+/**
+ * Server-side stage transitions for the Loan Origination Pipeline.
+ *
+ * <p>
+ * Each method here owns one sanctioning step: it loads the application <b>as stored</b>, checks that
+ * step's preconditions against that stored state, applies the change, appends the audit-trail entry
+ * and saves. The caller supplies only that step's own inputs (who acted, remarks, a resolution
+ * number) — never the resulting state — so a client cannot approve a stage whose prerequisites are
+ * not actually met, mark a field visit verified without the GPS fix and photographs really being on
+ * file, or minute a Credit Committee decision without a resolution number.
+ *
+ * <p>
+ * That distinction matters for a sanctioning workflow: the screen also disables those buttons, but UI
+ * gating is a convenience, not a control — it is bypassed by any direct call to the API. These checks
+ * are the control. They are deliberately the same rules the screen enforces, so an officer never sees
+ * an enabled button that the server then rejects.
+ *
+ * <p>
+ * Dates are written in the {@code dd-MM-yyyy} form the rest of the workflow record already uses, and
+ * "nothing recorded" stays the {@code '—'} placeholder the existing data uses, so a server-applied
+ * transition is indistinguishable in shape from the client-applied ones already stored.
+ */
+@Service
+@RequiredArgsConstructor
+public class LoanOriginationStageService {
+
+    private static final DateTimeFormatter WORKFLOW_DATE = DateTimeFormatter.ofPattern("dd-MM-yyyy");
+
+    /** Must stay in step with STAGE_ORDER on the Application Detail screen. */
+    private static final List<String> STAGE_ORDER = List.of("APPLICATION", "KYC_DOCUMENTS", "CIC_CHECK", "FIELD_INVESTIGATION",
+            "PERSONAL_DISCUSSION", "CREDIT_COMMITTEE", "RISK_APPROVAL", "LEGAL_APPROVAL", "CUSTOMER_SIGNING", "CHEQUE_ACH",
+            "POST_CHECK", "DISBURSED");
+
+    private static final List<String> FI_CHECK_KEYS = List.of("addressVerification", "officeVerification", "propertyVerification",
+            "shopVerification");
+
+    private final LoanOriginationPipelineService pipelineService;
+
+    // ── KYC & Documents ──────────────────────────────────────────────────────
+
+    @Transactional
+    public String completeKyc(final String applicationNo, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "KYC_DOCUMENTS");
+
+        require(bool(app, "aadhaarVerified"), "Aadhaar has not been verified.");
+        require(bool(app, "panVerified"), "PAN has not been verified.");
+        require(bool(app, "incomeProofSubmitted"), "Income proof has not been submitted.");
+        require(bool(app, "bankStatementSubmitted"), "Bank statement has not been submitted.");
+        require(bool(app, "electricityBillSubmitted"), "Address proof (electricity bill) has not been submitted.");
+        require(intOr(app, "monthlyIncome", 0) > 0, "Monthly income has not been assessed.");
+        for (final JsonElement element : arr(app, "productDocuments")) {
+            final JsonObject doc = element.getAsJsonObject();
+            require(bool(doc, "submitted"), "Required document not submitted: " + strOr(doc, "label", strOr(doc, "key", "document")));
+        }
+
+        advance(app, actor(input), "KYC Complete", strOr(input, "remarks", "KYC and document collection complete."));
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    // ── CIC / Credit Bureau ──────────────────────────────────────────────────
+
+    @Transactional
+    public String completeCicCheck(final String applicationNo, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "CIC_CHECK");
+
+        // RBI's Fair Practices Code requires the borrower's written consent before a bureau pull, and
+        // the bureau's per-pull fee has to have actually been collected.
+        require(bool(app, "cicConsentSigned"), "The borrower's signed credit-bureau consent is not on file.");
+        require(bool(app, "cicChargeCollected"), "The credit bureau check charge has not been collected.");
+        require(bool(app, "cicReportUploaded"), "No credit bureau report has been uploaded.");
+
+        advance(app, actor(input), "CIC Check Complete",
+                strOr(input, "remarks", "Credit bureau report obtained and reviewed. Score " + intOr(app, "cibilScore", 0) + "."));
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    // ── Field Investigation ──────────────────────────────────────────────────
+
+    /**
+     * Marks one field-investigation check verified. The GPS fix and site photographs are checked
+     * against what is stored, which is the point: "I visited" with nothing recorded is exactly what a
+     * field-investigation control exists to prevent.
+     */
+    @Transactional
+    public String verifyFieldCheck(final String applicationNo, final String checkKey, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "FIELD_INVESTIGATION");
+        require(FI_CHECK_KEYS.contains(checkKey), "Unknown field investigation check: " + checkKey);
+
+        final JsonObject check = objOrCreate(app, checkKey);
+        require(filled(check, "officerAssigned"), "No field officer has been assigned to this visit.");
+        require(filled(check, "latitude") && filled(check, "longitude"), "The visit has no GPS coordinates recorded.");
+        require(intOr(check, "photoCount", 0) > 0, "No site photograph has been captured for this visit.");
+
+        check.addProperty("status", "VERIFIED");
+        check.addProperty("verifiedBy", strOr(input, "verifiedBy", strOr(check, "officerAssigned", "Field Officer")));
+        check.addProperty("verifiedDate", today());
+        check.addProperty("remarks", strOr(input, "remarks", "Visited and confirmed correct."));
+
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    @Transactional
+    public String rejectFieldCheck(final String applicationNo, final String checkKey, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "FIELD_INVESTIGATION");
+        require(FI_CHECK_KEYS.contains(checkKey), "Unknown field investigation check: " + checkKey);
+        // A failed visit must say why -- it is what the Personal Discussion stage then works from.
+        final String remarks = strOr(input, "remarks", "");
+        require(!remarks.isBlank(), "A reason is required when a field visit fails.");
+
+        final JsonObject check = objOrCreate(app, checkKey);
+        check.addProperty("status", "FAILED");
+        check.addProperty("verifiedBy", strOr(input, "verifiedBy", strOr(check, "officerAssigned", "Field Officer")));
+        check.addProperty("verifiedDate", today());
+        check.addProperty("remarks", remarks);
+
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    @Transactional
+    public String completeFieldInvestigation(final String applicationNo, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "FIELD_INVESTIGATION");
+        requireFieldInvestigationComplete(app);
+
+        advance(app, actor(input), "FI Complete", strOr(input, "remarks", "Field investigation complete on all applicable checks."));
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    // ── Personal Discussion ──────────────────────────────────────────────────
+
+    @Transactional
+    public String clearPersonalDiscussion(final String applicationNo, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "PERSONAL_DISCUSSION");
+        require(bool(app, "meetingScheduled"), "The personal discussion meeting has not been scheduled.");
+
+        final String remarks = strOr(input, "remarks", "No discrepancy found — cleared to proceed to Loan Committee.");
+        app.addProperty("discrepancyType", "NONE");
+        app.addProperty("overallStatus", "IN_PROGRESS");
+        app.addProperty("personalDiscussionDate", today());
+        app.addProperty("personalDiscussionNotes", remarks);
+        app.addProperty("declarationTaken", true);
+        app.addProperty("declarationDate", today());
+
+        advance(app, actor(input), "Cleared", remarks);
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    @Transactional
+    public String flagDiscrepancy(final String applicationNo, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "PERSONAL_DISCUSSION");
+
+        final String type = strOr(input, "discrepancyType", "");
+        require(!type.isBlank() && !"NONE".equals(type), "A discrepancy type is required.");
+        final String notes = strOr(input, "remarks", "");
+        require(!notes.isBlank(), "Notes are required when flagging a discrepancy.");
+
+        app.addProperty("discrepancyType", type);
+        app.addProperty("personalDiscussionDate", today());
+        app.addProperty("personalDiscussionNotes", notes);
+        // Held rather than rejected: a discrepancy is resolvable, and the application has to stay
+        // visible as outstanding work rather than dropping out of the pipeline.
+        app.addProperty("overallStatus", "ON_HOLD");
+
+        appendHistory(app, str(app, "currentStage"), actor(input), "Discrepancy Flagged", notes);
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    @Transactional
+    public String resolveDiscrepancy(final String applicationNo, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "PERSONAL_DISCUSSION");
+        require("ON_HOLD".equals(str(app, "overallStatus")), "This application is not on hold.");
+
+        final String remarks = strOr(input, "remarks", "Discrepancy resolved on further review — cleared to proceed.");
+        app.addProperty("discrepancyType", "NONE");
+        app.addProperty("overallStatus", "IN_PROGRESS");
+        app.addProperty("personalDiscussionNotes", remarks);
+        app.addProperty("declarationTaken", true);
+        app.addProperty("declarationDate", today());
+
+        advance(app, actor(input), "Resolved", remarks);
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    // ── Approvals ────────────────────────────────────────────────────────────
+
+    /**
+     * Records a Credit Committee / Risk / Legal / Post-Check decision.
+     *
+     * @param field one of creditCommitteeApproval, riskApproval, legalApproval, postCheckApproval
+     */
+    @Transactional
+    public String decideApproval(final String applicationNo, final String field, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+
+        final String decision = strOr(input, "decision", "APPROVED");
+        require(List.of("APPROVED", "REJECTED", "EXCEPTION_APPROVED").contains(decision), "Unknown decision: " + decision);
+
+        final String expectedStage = switch (field) {
+            case "creditCommitteeApproval" -> "CREDIT_COMMITTEE";
+            case "riskApproval" -> "RISK_APPROVAL";
+            case "legalApproval" -> "LEGAL_APPROVAL";
+            case "postCheckApproval" -> "POST_CHECK";
+            default -> throw badRequest("Unknown approval stage: " + field);
+        };
+        requireStage(app, expectedStage);
+
+        // Prerequisites are only enforced for a positive decision: a rejection has to remain possible
+        // at any point, and blocking it on an incomplete checklist would trap the application.
+        if (!"REJECTED".equals(decision)) {
+            switch (field) {
+                case "creditCommitteeApproval" -> requireCommitteeReportsReady(app, input);
+                case "riskApproval" -> requireRiskChecklistReady(app);
+                case "legalApproval" -> requireLegalChecklistDone(app);
+                case "postCheckApproval" -> requirePostCheckSignatures(app);
+                default -> throw badRequest("Unknown approval stage: " + field);
+            }
+        }
+
+        String remarks = strOr(input, "remarks", "REJECTED".equals(decision) ? "Declined on review." : "Reviewed and approved.");
+        if ("creditCommitteeApproval".equals(field) && !"REJECTED".equals(decision)) {
+            // The resolution number and date are what the sanction letter later quotes, so they are
+            // recorded on the application and restated in the audit trail.
+            final String resolutionNo = strOr(input, "resolutionNo", "");
+            final String resolutionDate = strOr(input, "resolutionDate", "");
+            app.addProperty("committeeResolutionNo", resolutionNo);
+            app.addProperty("committeeResolutionDate", resolutionDate);
+            remarks = remarks + " (Resolution No. " + resolutionNo + " dated " + resolutionDate + ")";
+        }
+
+        final JsonObject approval = objOrCreate(app, field);
+        approval.addProperty("decision", decision);
+        approval.addProperty("approverName", strOr(input, "approverName", "Bank Staff"));
+        approval.addProperty("approverRole", strOr(input, "approverRole", expectedStage));
+        approval.addProperty("date", today());
+        approval.addProperty("remarks", remarks);
+
+        if ("REJECTED".equals(decision)) {
+            app.addProperty("overallStatus", "REJECTED");
+            appendHistory(app, str(app, "currentStage"), actor(input), "Rejected", remarks);
+        } else {
+            advance(app, actor(input), "EXCEPTION_APPROVED".equals(decision) ? "Approved on Exception" : "Approved", remarks);
+        }
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    // ── Signing / Cheque-ACH / Disbursement ──────────────────────────────────
+
+    @Transactional
+    public String markSigned(final String applicationNo, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "CUSTOMER_SIGNING");
+        require(filled(app, "agreementSigningSlot"), "No agreement signing slot has been recorded.");
+
+        app.addProperty("customerSigningDate", today());
+        advance(app, strOr(input, "actionBy", strOr(app, "applicantName", "Customer")), "Signed",
+                strOr(input, "remarks", "Loan agreement signed by the customer."));
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    @Transactional
+    public String confirmChequeAch(final String applicationNo, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "CHEQUE_ACH");
+        require(bool(app, "chequeReceived"), "Security cheques have not been received.");
+        require(bool(app, "achSigned"), "The ACH/NACH mandate has not been signed.");
+
+        advance(app, actor(input), "Cheque & ACH Received",
+                strOr(input, "remarks", "Security cheques received and ACH mandate signed."));
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    /**
+     * Final disbursement. Requires every approval level to actually stand as approved on the stored
+     * record — the last point at which an application could otherwise slip through with a rejected or
+     * still-pending sign-off.
+     */
+    @Transactional
+    public String disburse(final String applicationNo, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "DISBURSED");
+        require(!"DISBURSED".equals(str(app, "overallStatus")), "This application has already been disbursed.");
+
+        for (final String field : List.of("creditCommitteeApproval", "riskApproval", "legalApproval", "postCheckApproval")) {
+            final JsonObject approval = obj(app, field);
+            final String decision = approval == null ? null : str(approval, "decision");
+            require("APPROVED".equals(decision) || "EXCEPTION_APPROVED".equals(decision),
+                    "Cannot disburse: " + field + " is not approved.");
+        }
+        require(filled(app, "customerSigningDate"), "The customer has not signed the loan agreement.");
+
+        final String mode = strOr(input, "disbursementMode", "Account Credit");
+        app.addProperty("disbursementDate", today());
+        app.addProperty("disbursementMode", mode);
+        if (!filled(app, "achConfirmationRef")) {
+            final String suffix = applicationNo.length() >= 6 ? applicationNo.substring(applicationNo.length() - 6) : applicationNo;
+            app.addProperty("achConfirmationRef", "ACH" + suffix);
+        }
+        app.addProperty("emiActivationConfirmed", true);
+        app.addProperty("emiActivationDate", today());
+        app.addProperty("overallStatus", "DISBURSED");
+        if (LoanOriginationJson.present(input, "fineractLoanId")) {
+            app.addProperty("fineractLoanId", LoanOriginationJson.lng(input, "fineractLoanId"));
+            app.addProperty("fineractLoanAccountNo", str(input, "fineractLoanAccountNo"));
+        }
+
+        appendHistory(app, "DISBURSED", actor(input), "Disbursed", strOr(input, "remarks",
+                "Disbursed via " + mode + " — ACH confirmation " + strOr(app, "achConfirmationRef", "—") + ". EMI activation confirmed."));
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    // ── Shared checklist rules (mirror the Application Detail screen's gating) ─
+
+    private void requireFieldInvestigationComplete(final JsonObject app) {
+        requireCheckVerified(app, "addressVerification", "Address verification");
+        requireCheckVerified(app, "officeVerification", "Office/employment verification");
+        if (bool(app, "secured")) {
+            requireCheckVerified(app, "propertyVerification", "Property verification");
+        }
+        if (bool(app, "hasShop")) {
+            requireCheckVerified(app, "shopVerification", "Shop verification");
+        }
+    }
+
+    private void requireCheckVerified(final JsonObject app, final String key, final String label) {
+        final JsonObject check = obj(app, key);
+        require(check != null && "VERIFIED".equals(str(check, "status")), label + " is not verified.");
+    }
+
+    private void requireCommitteeReportsReady(final JsonObject app, final JsonObject input) {
+        require(bool(app, "cicReportUploaded"), "The credit bureau report is not on file.");
+        require(bool(app, "backgroundCheckDone"), "The background check has not been done.");
+        if (bool(app, "secured")) {
+            require(bool(app, "cersaiSearchDone"), "The CERSAI search has not been done.");
+        }
+        require(bool(app, "aadhaarVerified"), "Aadhaar has not been verified.");
+        require(bool(app, "panVerified"), "PAN has not been verified.");
+        require(bool(app, "incomeProofSubmitted"), "Income proof has not been submitted.");
+        requireFieldInvestigationComplete(app);
+        require(bool(app, "managerMeetingDone"), "The manager meeting has not been recorded.");
+        require(!strOr(input, "resolutionNo", "").isBlank(), "A committee resolution number is required.");
+        require(!strOr(input, "resolutionDate", "").isBlank(), "A committee resolution date is required.");
+    }
+
+    private void requireRiskChecklistReady(final JsonObject app) {
+        requireCheckVerified(app, "addressVerification", "Address verification");
+        require(bool(app, "incomeProofSubmitted"), "Income proof has not been submitted.");
+        require(bool(app, "previousLoanDeclarationDone"), "The previous-loan declaration has not been taken.");
+        if (bool(app, "secured")) {
+            require(bool(app, "propertySearchReportDone"), "The property search report is not on file.");
+            require(bool(app, "valuationReportConfirmed"), "The valuation report has not been confirmed.");
+        }
+        requireFieldInvestigationComplete(app);
+        require(bool(app, "backgroundCheckDone"), "The background check has not been done.");
+        if (bool(app, "guarantorRequired")) {
+            // A guarantor at a co-operative bank has to be an existing member, not just a name: an
+            // onboarded client id AND a live share account.
+            require(LoanOriginationJson.lng(app, "guarantorClientId") != null,
+                    "A guarantor is required but no existing client has been selected.");
+            require(bool(app, "guarantorHasShareAccount"), "The selected guarantor has no active share account.");
+        }
+    }
+
+    private void requireLegalChecklistDone(final JsonObject app) {
+        require(bool(app, "feesAndAccountOpened"), "Fees and account opening are not complete.");
+        if (bool(app, "secured")) {
+            require(bool(app, "mortgageCreated"), "The mortgage has not been created.");
+        }
+        require(bool(app, "legalStampDone"), "Legal stamping is not complete.");
+        require(bool(app, "fileFilingDone"), "File filing is not complete.");
+        for (final JsonElement element : arr(app, "legalDocuments")) {
+            final JsonObject doc = element.getAsJsonObject();
+            require(bool(doc, "submitted"), "Legal document not submitted: " + strOr(doc, "label", strOr(doc, "key", "document")));
+        }
+    }
+
+    private void requirePostCheckSignatures(final JsonObject app) {
+        require(bool(app, "signedByAgent"), "The agent has not signed off.");
+        require(bool(app, "signedByManager"), "The manager has not signed off.");
+        require(bool(app, "signedByCommittee"), "The committee has not signed off.");
+        require(bool(app, "signedByRiskApproval"), "Risk approval has not signed off.");
+        require(bool(app, "signedByLegalApproval"), "Legal approval has not signed off.");
+    }
+
+    // ── Stage / history mechanics ────────────────────────────────────────────
+
+    private void requireStage(final JsonObject app, final String expected) {
+        final String actual = str(app, "currentStage");
+        if (!expected.equals(actual)) {
+            throw badRequest("This action applies at the " + expected + " stage, but the application is at " + actual + ".");
+        }
+        final String status = str(app, "overallStatus");
+        if ("REJECTED".equals(status)) {
+            throw badRequest("This application has been rejected and cannot be progressed.");
+        }
+    }
+
+    /**
+     * Moves the application to the next stage and appends the audit entry. {@code furthestStageIndex}
+     * only ever increases, so jumping back to an earlier stage for a correction does not make
+     * already-completed stages look unfinished.
+     */
+    private void advance(final JsonObject app, final String actionBy, final String outcome, final String remarks) {
+        final String current = str(app, "currentStage");
+        appendHistory(app, current, actionBy, outcome, remarks);
+
+        final int index = STAGE_ORDER.indexOf(current);
+        if (index >= 0 && index < STAGE_ORDER.size() - 1) {
+            final int next = index + 1;
+            app.addProperty("currentStage", STAGE_ORDER.get(next));
+            app.addProperty("furthestStageIndex", Math.max(intOr(app, "furthestStageIndex", 0), next));
+        }
+    }
+
+    private void appendHistory(final JsonObject app, final String stage, final String actionBy, final String outcome,
+            final String remarks) {
+        final JsonArray history = arrOrCreate(app, "stageHistory");
+        final JsonObject entry = new JsonObject();
+        entry.addProperty("stage", stage);
+        entry.addProperty("date", today());
+        entry.addProperty("actionBy", actionBy);
+        entry.addProperty("outcome", outcome);
+        entry.addProperty("remarks", remarks);
+        history.add(entry);
+    }
+
+    private String actor(final JsonObject input) {
+        return strOr(input, "actionBy", "Bank Staff");
+    }
+
+    private String today() {
+        final LocalDate businessDate = DateUtils.getBusinessLocalDate();
+        return (businessDate == null ? LocalDate.now(DateUtils.getDateTimeZoneOfTenant()) : businessDate).format(WORKFLOW_DATE);
+    }
+
+    private void require(final boolean condition, final String message) {
+        if (!condition) {
+            throw badRequest(message);
+        }
+    }
+
+    private GeneralPlatformDomainRuleException badRequest(final String message) {
+        return new GeneralPlatformDomainRuleException("error.msg.loan.origination.stage.invalid", message);
+    }
+
+    /** Kept for symmetry with the check-key list above; used by callers validating a key up front. */
+    public static boolean isKnownFieldCheck(final String checkKey) {
+        return FI_CHECK_KEYS.contains(checkKey);
+    }
+
+    /** Exposed so the API layer can advertise the stage order without duplicating it. */
+    public static List<String> stageOrder() {
+        return Arrays.asList(STAGE_ORDER.toArray(new String[0]));
+    }
+}

fineract-provider/src/main/resources/application.properties

@@ -46,7 +46,7 @@ fineract.security.oauth2.client.registrations.frontend-client.require-authorizat
 fineract.tenant.host=${FINERACT_DEFAULT_TENANTDB_HOSTNAME:localhost}
 fineract.tenant.port=${FINERACT_DEFAULT_TENANTDB_PORT:5432}
 fineract.tenant.username=${FINERACT_DEFAULT_TENANTDB_UID:postgres}
-fineract.tenant.password=${FINERACT_DEFAULT_TENANTDB_PWD:anshul@9009}
+fineract.tenant.password=${FINERACT_DEFAULT_TENANTDB_PWD:313863}
 fineract.tenant.parameters=${FINERACT_DEFAULT_TENANTDB_CONN_PARAMS:}
 fineract.tenant.timezone=${FINERACT_DEFAULT_TENANTDB_TIMEZONE:Asia/Kolkata}
 fineract.tenant.identifier=${FINERACT_DEFAULT_TENANTDB_IDENTIFIER:default}
@@ -181,9 +181,9 @@ fineract.loan.transactionprocessor.error-not-found-fail=${FINERACT_LOAN_TRANSACT
 fineract.loan.status-change-history-statuses=${FINERACT_LOAN_STATUS_CHANGE_HISTORY_STATUSES:NONE}
 
 fineract.content.regex-whitelist-enabled=${FINERACT_CONTENT_REGEX_WHITELIST_ENABLED:true}
-fineract.content.regex-whitelist=${FINERACT_CONTENT_REGEX_WHITELIST:.*\\.pdf$,.*\\.doc,.*\\.docx,.*\\.xls,.*\\.xlsx,.*\\.jpg,.*\\.jpeg,.*\\.png,.*\\.zip$}
+fineract.content.regex-whitelist=${FINERACT_CONTENT_REGEX_WHITELIST:.*\\.pdf$,.*\\.doc,.*\\.docx,.*\\.xls,.*\\.xlsx,.*\\.jpg,.*\\.jpeg,.*\\.png,.*\\.zip$,.*\\.csv$}
 fineract.content.mime-whitelist-enabled=${FINERACT_CONTENT_MIME_WHITELIST_ENABLED:true}
-fineract.content.mime-whitelist=${FINERACT_CONTENT_MIME_WHITELIST:application/pdf,application/msword,application/vnd.openxmlformats-officedocument.wordprocessingml.document,application/vnd.ms-excel,application/vnd.openxmlformats-officedocument.spreadsheetml.sheet,image/jpeg,image/png,application/zip,application/x-zip-compressed,application/octet-stream}
+fineract.content.mime-whitelist=${FINERACT_CONTENT_MIME_WHITELIST:application/pdf,application/msword,application/vnd.openxmlformats-officedocument.wordprocessingml.document,application/vnd.ms-excel,application/vnd.openxmlformats-officedocument.spreadsheetml.sheet,image/jpeg,image/png,application/zip,application/x-zip-compressed,application/octet-stream,text/csv}
 fineract.content.default-buffer-size=${FINERACT_CONTENT_DEFAULT_BUFFER_SIZE:8192}
 fineract.content.filesystem.enabled=${FINERACT_CONTENT_FILESYSTEM_ENABLED:true}
 fineract.content.filesystem.rootFolder=${FINERACT_CONTENT_FILESYSTEM_ROOT_FOLDER:${user.home}/.fineract}
@@ -407,7 +407,7 @@ server.tomcat.mbeanregistry.enabled=${FINERACT_SERVER_TOMCAT_MBEANREGISTRY_ENABL
 spring.datasource.hikari.driverClassName=${FINERACT_HIKARI_DRIVER_SOURCE_CLASS_NAME:org.postgresql.Driver}
 spring.datasource.hikari.jdbcUrl=${FINERACT_HIKARI_JDBC_URL:jdbc:postgresql://localhost:5432/fineract_tenants}
 spring.datasource.hikari.username=${FINERACT_HIKARI_USERNAME:postgres}
-spring.datasource.hikari.password=${FINERACT_HIKARI_PASSWORD:anshul@9009}
+spring.datasource.hikari.password=${FINERACT_HIKARI_PASSWORD:313863}
 spring.datasource.hikari.minimumIdle=${FINERACT_HIKARI_MINIMUM_IDLE:3}
 spring.datasource.hikari.maximumPoolSize=${FINERACT_HIKARI_MAXIMUM_POOL_SIZE:10}
 spring.datasource.hikari.idleTimeout=${FINERACT_HIKARI_IDLE_TIMEOUT:60000}

fineract-provider/src/main/resources/db/changelog/tenant/changelog-tenant.xml

@@ -532,4 +532,5 @@
     <include file="parts/0463_add_authorized_signatory_client_ids_to_client_non_person.xml" relativeToChangelogFile="true"/>
     <include file="parts/0464_add_sanctions_alert_disposition.xml" relativeToChangelogFile="true"/>
     <include file="parts/0465_add_dip_override_and_client_status.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0465_create_loan_origination_pipeline.xml" relativeToChangelogFile="true"/>
 </databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0465_create_loan_origination_pipeline.xml

@@ -0,0 +1,224 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!--
+    Licensed to the Apache Software Foundation (ASF) under one
+    or more contributor license agreements.  See the NOTICE file
+    distributed with this work for additional information
+    regarding copyright ownership.  The ASF licenses this file
+    to you under the Apache License, Version 2.0 (the
+    "License"); you may not use this file except in compliance
+    with the License.  You may obtain a copy of the License at
+
+    http://www.apache.org/licenses/LICENSE-2.0
+
+    Unless required by applicable law or agreed to in writing,
+    software distributed under the License is distributed on an
+    "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+    KIND, either express or implied.  See the License for the
+    specific language governing permissions and limitations
+    under the License.
+-->
+<databaseChangeLog
+        xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+        xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog
+        http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.1.xsd">
+
+    <!--
+        Loan Origination Pipeline — the pre-disbursement sanctioning workflow every loan application
+        walks through (Application → KYC/OVD → CIC Credit Bureau Check → Field Investigation →
+        Personal Discussion → Credit Committee → Risk Approval → Legal Approval → Customer Signing →
+        Cheque/ACH → Post-Disbursement Check → Disbursed). Distinct from m_loan: this is the
+        *decisioning* record that exists before (and decides whether) a real loan account is ever
+        created, so it deliberately does not FK to m_loan except through fineract_loan_id once the
+        account is finally opened at disbursement.
+
+        Storage shape is a deliberate hybrid, and the three parts are disjoint (nothing stored twice):
+          - the dozen fields the Pipeline list / Channel-BC-Share reports / Target-vs-Actual actually
+            filter and aggregate on are real indexed columns, so those stay plain SQL;
+          - every other scalar field lives in `payload` as JSON. That bucket is "whatever else the
+            application object carries", not an allowlist, so a field added to the workflow later is
+            persisted with no schema or code change — the workflow has been gaining fields steadily
+            and an allowlist would silently drop them;
+          - the genuinely repeating parts (stage history, the four approvals, the four field-
+            investigation checks, the document checklists) are normalised into child tables below,
+            because they are queried across applications (e.g. everything one officer approved) and
+            an append-only stage history is an audit trail a co-operative bank has to be able to
+            produce on demand.
+    -->
+    <changeSet id="0465_create_loan_origination_pipeline" author="CBS">
+
+        <createTable tableName="m_loan_origination_application">
+            <column name="id" type="BIGINT" autoIncrement="true">
+                <constraints primaryKey="true" nullable="false"/>
+            </column>
+            <column name="application_no" type="VARCHAR(40)">
+                <constraints nullable="false" unique="true"
+                             uniqueConstraintName="uq_loan_origination_application_no"/>
+            </column>
+            <column name="applicant_name" type="VARCHAR(200)"/>
+            <column name="client_id" type="BIGINT"/>
+            <column name="branch_code" type="VARCHAR(10)"/>
+            <column name="channel" type="VARCHAR(20)"/>
+            <column name="bc_agent_name" type="VARCHAR(120)"/>
+            <column name="product_code" type="VARCHAR(10)"/>
+            <column name="requested_amount" type="DECIMAL(19,6)"/>
+            <column name="current_stage" type="VARCHAR(40)"/>
+            <column name="overall_status" type="VARCHAR(20)"/>
+            <column name="is_share_member" type="BOOLEAN" defaultValueBoolean="false">
+                <constraints nullable="false"/>
+            </column>
+            <column name="fineract_loan_id" type="BIGINT"/>
+            <!-- Every remaining scalar field of the application object, as JSON. TEXT (not JSONB)
+                 to match how this codebase already stores JSON (m_permission command_as_json,
+                 OtpLog request_payload) and to stay portable across MySQL/PostgreSQL. -->
+            <column name="payload" type="TEXT">
+                <constraints nullable="false"/>
+            </column>
+            <!-- Parsed credit-bureau report: deeply nested (accounts -> dpd grid -> monthly cells),
+                 read-only once parsed, and only ever rendered as a whole. Kept as its own JSON
+                 column rather than exploded into four more tables nothing would ever query. -->
+            <column name="cic_parsed_analysis" type="TEXT"/>
+            <column name="created_date" type="TIMESTAMP" defaultValueComputed="CURRENT_TIMESTAMP">
+                <constraints nullable="false"/>
+            </column>
+            <column name="last_modified_date" type="TIMESTAMP" defaultValueComputed="CURRENT_TIMESTAMP">
+                <constraints nullable="false"/>
+            </column>
+        </createTable>
+
+        <createIndex tableName="m_loan_origination_application" indexName="idx_loi_app_current_stage">
+            <column name="current_stage"/>
+        </createIndex>
+        <createIndex tableName="m_loan_origination_application" indexName="idx_loi_app_overall_status">
+            <column name="overall_status"/>
+        </createIndex>
+        <createIndex tableName="m_loan_origination_application" indexName="idx_loi_app_branch_code">
+            <column name="branch_code"/>
+        </createIndex>
+        <createIndex tableName="m_loan_origination_application" indexName="idx_loi_app_client_id">
+            <column name="client_id"/>
+        </createIndex>
+
+        <!-- Append-only audit trail: one row per stage transition / action taken. -->
+        <createTable tableName="m_loan_origination_stage_history">
+            <column name="id" type="BIGINT" autoIncrement="true">
+                <constraints primaryKey="true" nullable="false"/>
+            </column>
+            <column name="application_id" type="BIGINT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="seq_no" type="INT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="stage" type="VARCHAR(40)"/>
+            <column name="action_date" type="VARCHAR(20)"/>
+            <column name="action_by" type="VARCHAR(120)"/>
+            <column name="outcome" type="VARCHAR(60)"/>
+            <column name="remarks" type="VARCHAR(1000)"/>
+        </createTable>
+
+        <addForeignKeyConstraint baseTableName="m_loan_origination_stage_history" baseColumnNames="application_id"
+                                 constraintName="fk_loi_stage_history_application"
+                                 referencedTableName="m_loan_origination_application" referencedColumnNames="id"
+                                 onDelete="CASCADE"/>
+        <createIndex tableName="m_loan_origination_stage_history" indexName="idx_loi_stage_history_application">
+            <column name="application_id"/>
+        </createIndex>
+
+        <!-- One row per approval level: creditCommitteeApproval / riskApproval / legalApproval /
+             postCheckApproval. Unique per application so an approval is updated, never duplicated. -->
+        <createTable tableName="m_loan_origination_approval">
+            <column name="id" type="BIGINT" autoIncrement="true">
+                <constraints primaryKey="true" nullable="false"/>
+            </column>
+            <column name="application_id" type="BIGINT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="approval_field" type="VARCHAR(40)">
+                <constraints nullable="false"/>
+            </column>
+            <column name="decision" type="VARCHAR(30)"/>
+            <column name="approver_name" type="VARCHAR(120)"/>
+            <column name="approver_role" type="VARCHAR(120)"/>
+            <column name="decision_date" type="VARCHAR(20)"/>
+            <column name="remarks" type="VARCHAR(1000)"/>
+        </createTable>
+
+        <addForeignKeyConstraint baseTableName="m_loan_origination_approval" baseColumnNames="application_id"
+                                 constraintName="fk_loi_approval_application"
+                                 referencedTableName="m_loan_origination_application" referencedColumnNames="id"
+                                 onDelete="CASCADE"/>
+        <addUniqueConstraint tableName="m_loan_origination_approval" columnNames="application_id, approval_field"
+                             constraintName="uq_loi_approval_application_field"/>
+
+        <!-- One row per Field Investigation check: address / office / property / shop. -->
+        <createTable tableName="m_loan_origination_fi_check">
+            <column name="id" type="BIGINT" autoIncrement="true">
+                <constraints primaryKey="true" nullable="false"/>
+            </column>
+            <column name="application_id" type="BIGINT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="check_key" type="VARCHAR(40)">
+                <constraints nullable="false"/>
+            </column>
+            <column name="status" type="VARCHAR(20)"/>
+            <column name="verified_by" type="VARCHAR(120)"/>
+            <column name="verified_date" type="VARCHAR(20)"/>
+            <column name="remarks" type="VARCHAR(1000)"/>
+            <column name="officer_assigned" type="VARCHAR(120)"/>
+            <column name="assigned_date" type="VARCHAR(20)"/>
+            <!-- Epoch millis the visit was assigned — drives the 48h SLA clock on the FI screen. -->
+            <column name="assigned_at" type="BIGINT"/>
+            <column name="latitude" type="VARCHAR(40)"/>
+            <column name="longitude" type="VARCHAR(40)"/>
+            <column name="photo_count" type="INT" defaultValueNumeric="0"/>
+        </createTable>
+
+        <addForeignKeyConstraint baseTableName="m_loan_origination_fi_check" baseColumnNames="application_id"
+                                 constraintName="fk_loi_fi_check_application"
+                                 referencedTableName="m_loan_origination_application" referencedColumnNames="id"
+                                 onDelete="CASCADE"/>
+        <addUniqueConstraint tableName="m_loan_origination_fi_check" columnNames="application_id, check_key"
+                             constraintName="uq_loi_fi_check_application_key"/>
+
+        <!-- Both document checklists in one table, discriminated by doc_kind: the product-specific
+             KYC/collateral papers (PRODUCT) and the Legal Approval paperwork (LEGAL). Officers can
+             add their own entries on the spot, hence is_custom. -->
+        <createTable tableName="m_loan_origination_document">
+            <column name="id" type="BIGINT" autoIncrement="true">
+                <constraints primaryKey="true" nullable="false"/>
+            </column>
+            <column name="application_id" type="BIGINT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="doc_kind" type="VARCHAR(20)">
+                <constraints nullable="false"/>
+            </column>
+            <column name="doc_key" type="VARCHAR(60)">
+                <constraints nullable="false"/>
+            </column>
+            <column name="label" type="VARCHAR(200)"/>
+            <column name="hint" type="VARCHAR(500)"/>
+            <column name="is_custom" type="BOOLEAN" defaultValueBoolean="false">
+                <constraints nullable="false"/>
+            </column>
+            <column name="submitted" type="BOOLEAN" defaultValueBoolean="false">
+                <constraints nullable="false"/>
+            </column>
+            <column name="seq_no" type="INT">
+                <constraints nullable="false"/>
+            </column>
+        </createTable>
+
+        <addForeignKeyConstraint baseTableName="m_loan_origination_document" baseColumnNames="application_id"
+                                 constraintName="fk_loi_document_application"
+                                 referencedTableName="m_loan_origination_application" referencedColumnNames="id"
+                                 onDelete="CASCADE"/>
+        <createIndex tableName="m_loan_origination_document" indexName="idx_loi_document_application">
+            <column name="application_id"/>
+        </createIndex>
+
+    </changeSet>
+
+</databaseChangeLog>