Foundational Loan Origination POC: External LOS Service and Survey for Apache Fineract

Apache Fineract lacks a Loan Origination System — the workflow managing a loan from customer application to disbursement. Every institution using Fineract builds this externally, creating a fragmented ecosystem with no shared interface or reusable integrations. This project delivers a Proof-of-Concept LOS as a fully decoupled standalone Spring Boot service that integrates with Fineract exclusively via REST APIs, with zero changes to Fineract's core codebase. It begins with a structured survey of origination models across microfinance, traditional banking, and fintech platforms — producing a community blueprint before any implementation begins. Deliverables include: a loan origination model survey and gap analysis document, a standalone LOS service with state machine lifecycle management, multi-stage approval workflow, rule-based credit scoring engine with pluggable interface, a disbursement bridge to Fineract's POST /loans API, FIGMA user flows annotated to API contracts, and full documentation with Postman collection and architecture diagrams.