Flowchart

Loan eligibility check

Loan eligibility check Flow runs top to bottom. An application is received and income documents are verified, then two decisions gate it. The focal decision asks whether the credit score is at least 680; no declines the application. The second asks whether debt-to-income is at most forty percent; no refers the file to manual review. Yes on both approves at the standard rate. Yes No Yes No Application received Verify income documents Credit score ≥ 680? Debt-to-income ≤ 40%? Decline application Refer to manual review Approve at standard rate Affirmative answers continue down the spine; the exception exits right. Every branch carries its answer token.