# Origination

Origination is treated as an interconnected process and meaning field. The chapter moves from grounded mechanisms to incentives, risks, history, relationships, mapshifts, and human consequences.

## Core traversal

- [Prequalification](../nodes/processes/prequalification.md) — Prequalification turns borrower intent into a documented, priced loan file
- [Preapproval](../nodes/processes/preapproval.md) — Preapproval turns borrower intent into a documented, priced loan file
- [Uniform Residential Loan Application](../nodes/processes/uniform-residential-loan-application.md) — Uniform Residential Loan Application turns borrower intent into a documented, priced loan file
- [Application](../nodes/processes/application.md) — Application turns borrower intent into a documented, priced loan file
- [Loan Estimate](../nodes/processes/loan-estimate.md) — Loan Estimate turns borrower intent into a documented, priced loan file
- [Rate Quote](../nodes/processes/rate-quote.md) — Rate Quote turns borrower intent into a documented, priced loan file
- [Rate Lock](../nodes/processes/rate-lock.md) — Rate Lock turns borrower intent into a documented, priced loan file
- [Float](../nodes/processes/float.md) — Float turns borrower intent into a documented, priced loan file
- [Lock Extension](../nodes/processes/lock-extension.md) — Lock Extension turns borrower intent into a documented, priced loan file
- [Loan Officer](../nodes/processes/loan-officer.md) — Loan Officer turns borrower intent into a documented, priced loan file
- [Mortgage Broker](../nodes/processes/mortgage-broker.md) — Mortgage Broker turns borrower intent into a documented, priced loan file
- [Processor](../nodes/processes/processor.md) — Processor turns borrower intent into a documented, priced loan file
- [Loan Origination System](../nodes/processes/loan-origination-system.md) — Loan Origination System turns borrower intent into a documented, priced loan file

## How to read this chapter

Follow claims and cash flows separately. Ask who holds authority, who supplies information, who receives benefit, who carries risk, and what changes when time or scale changes. Keep sourced fact, industry practice, synthesis, interpretation, and symbolic expression distinguishable.

## Mapshifting prompts

1. Change the unit of analysis from property to right, loan, cash flow, role, record, neighborhood, or institution.
2. Change the clock from closing day to thirty years, one market cycle, one building life, or several generations.
3. Change stakeholder and ask which previously invisible cost becomes central.
4. Return to the human map before choosing a move.

## Sentinel handoff

Legal, regulatory, fair-lending, historical, financial, cultural, and jurisdiction-specific annotations remain separate from Engine Output. They inform contextual use without flattening the graph.
