# The consumer application # The consumer application A borrower-facing application flow assembled from the mortgage products: conversational intake, verification calls, pricing, an automated decision, and a generated loan application with its standards export. The flow is a queue of tasks with one task in progress at a time. Three task types cover everything in it: a conversational agent, a third-party API call, and a form. A fourth type groups tasks under a named milestone. Each data domain is two agents rather than one. An inquiry agent gathers information conversationally and knows only which data points it needs; a schema agent takes the transcript and writes it into the canonical model. The inquiry agent never learns the storage shape, which is what keeps the conversation from being driven by the schema. Task dependencies carry two separate gates: one deciding when a task may start, another deciding when its output may be committed. Separating them is what lets a background extraction run while a different agent is still talking to the borrower, without a write race. ## The flow A borrower answers questions in conversation rather than filling a form. Each answer is written into the canonical model as it arrives, so the application is a live record from the first question rather than a form submitted at the end. ## The agents that conduct it The application is not one agent. It is a set of them, each responsible for one section of the loan application — identity, residency, employment and income, assets, liabilities, real estate, declarations — with a router dispatching between them and each one writing into the same canonical record. A section is a separately versioned unit, so a change to how employment is collected does not touch how assets are. Behavioural fixtures assert the exact tool calls each agent makes, and they run before a deploy. An agent that stops asking the right question fails the build rather than degrading quietly in front of a borrower. How that is gated ## What it produces - A completed loan application — the full standard form, populated from the conversation rather than transcribed from it. - A standards export — the same record emitted in the industry interchange format, so any downstream system can read it without a bespoke mapping. - A letter — the borrower-facing document, generated from the same record it was decided on. ## What it composes - POS - Identity - Credit - Employment - Income - Asset - Price - Government - Approval - Document - Lexicon