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Entity relationship diagram

The following diagram shows the primary entities and their relationships:

Relationship patterns

One-to-many relationships

Most relationships in the API are one-to-many:
  • A Deal has many Borrowers
  • A Deal has many Loans
  • A Borrower has many Incomes
  • A Borrower has many Assets
  • A Borrower has many Liabilities
  • A Borrower has many Owned Properties
  • A Loan has many Documents

Many-to-many relationships

Some entities have many-to-many relationships, implemented through shared references:
  • Borrowers and Assets - Multiple borrowers can be account holders on a single asset (e.g., a joint checking account). The borrowerIds field on an asset lists all borrower owners.
  • Owned Properties and Borrowers - Multiple borrowers can own the same property, and a borrower can own multiple properties.

Optional relationships

Some relationships are optional depending on the loan scenario:
  • A Loan may or may not have a SubjectProperty (early in the process, only a SubjectPropertyIntent may exist).
  • A Loan may or may not have an assignedLoanOfficer.
  • An ownedProperty may or may not have associated liabilities (if owned free and clear).
When working with the API, you’ll typically start at the Deal level and traverse down to the entities you need. For the complete field reference and available operations, see the GraphQL API Reference.