Finance

Loan Origination Process Diagram (Application to Funding)

Stages of a loan from application through underwriting to funding.

Free to start · Fully editable · Export GIF, MP4, PNG & SVG

What's in this template

7 connected components you can rename, recolor, and extend with AI.

Application IntakeDocument VerificationCredit & KYC ChecksUnderwriting EngineDecision & OfferE-SignatureFund Disbursement

A loan origination process diagram outlines how a lender takes a borrower from application to funded loan. It centers on the origination workflow and connects application intake, document collection and verification, credit and KYC checks, underwriting and risk scoring, decisioning and offer, document signing, and disbursement of funds.

Lending product managers, credit-risk teams, and fintech engineers use this diagram when building or auditing a loan origination system (LOS). It clarifies decision gates, compliance touchpoints, and where automation or manual review applies across consumer or business lending.

Great for

  • Lending product design
  • Credit risk documentation
  • LOS vendor evaluation
  • Compliance and audit prep
  • Engineering onboarding

Make your own version with AI

Prefer to start from your own content? Describe it in one sentence and Infogiph generates a loan origination process diagram you can edit and animate. For example:

“Loan Origination Process Diagram showing Application Intake, Document Verification, Credit & KYC Checks, Underwriting Engine, Decision & Offer and E-Signature”

Try it in the AI flowchart maker, or read Workflow diagram examples, including invoice approval.

How to customize this template

  1. Open it in the canvas with Use this template.
  2. Add the card network, issuing bank and acquiring bank to the Payment Processing Flow Diagram when readers need the full path from authorization to settlement.
  3. Show where card numbers are tokenized, so reviewers can see which systems fall inside PCI DSS scope.
  4. Write thresholds and approvers into approval labels, such as Over $5,000: Director sign-off, and never let a requester approve their own claim.
  5. End every money movement in a ledger or reconciliation node, so the diagram shows how the books stay balanced.
  6. Export a PNG or SVG for docs and slides, or a GIF or MP4 to keep the animation.

Frequently asked questions

What is loan origination?+

Loan origination is the end-to-end process a lender uses to take a borrower from application through verification, underwriting, and decisioning to a funded loan.

What are the stages of loan origination?+

The main stages are application intake, document collection and verification, credit and KYC checks, underwriting, decisioning and offer, signing, and fund disbursement.

What is a loan origination system?+

A loan origination system (LOS) is the software platform that manages and automates each origination stage, coordinating data, credit checks, underwriting rules, and funding.

Where does automation fit in loan origination?+

Automation commonly handles document parsing, credit and KYC lookups, and rules-based underwriting, while complex or borderline cases route to manual review.

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Open the loan origination process diagram (application to funding) in the Infogiph canvas, then edit, animate, and export.

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