Automatisierung der Kreditvorabgenehmigung mit Jotform, GPT-4-Analyse und Gmail-Benachrichtigungen

• •Google-Konto + Gmail API-Anmeldedaten
• •Google Sheets API-Anmeldedaten
• •OpenAI API Key

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        "content": "## 🏦 Loan Application System\n\nAutomates loan processing from application to approval\n\nFeatures:\n- AI debt-to-income calculation\n- Automated credit checks\n- Approval likelihood scoring\n- Document tracking\n- Conditional letters\n- Closing scheduling\n\nROI: Same-day approval, 50% faster closings"
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        "content": "## 📝 Form Fields\nCreate your form for free on [Jotform using this link](https://www.jotform.com/?partner=mediajade)\n\nApplicant Info:\n- Full Name\n- Email, Phone\n- SSN, DOB\n- Address\n\nFinancial Info:\n- Monthly Income\n- Employment Status\n- Current Debts\n- Loan Amount Requested\n- Down Payment\n- Property Value\n"
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        "content": "## 🤖 AI Financial Analysis\n\nCalculates:\n- Debt-to-Income Ratio\n- Loan-to-Value Ratio\n- Approval Likelihood\n- Risk Assessment\n- Recommended Terms\n- Required Documentation"
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      "typeVersion": 1
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        "text": "=Analyze this loan application:\n\nApplicant: {{ $json['Customer name'] }}\nMonthly Income: {{ $json['Monthly Income'] }}\nMonthly Debts: {{ $json['Current debts'] }}\nLoan Amount: {{ $json['Loan Amount Requested'] }}\nDown Payment: {{ $json.Downpayment }}\nProperty Value: {{ $json['Property Value'] }}\nEmployment: {{ $json['Employment Status'] }}\n\nReturn JSON:\n{\n\"debtToIncomeRatio\": 0.35,\n\"loanToValueRatio\": 0.80,\n\"approvalLikelihood\": \"high/medium/low\",\n\"riskScore\": 1-100,\n\"recommendedStatus\": \"pre-approved/conditional/denied\",\n\"monthlyPaymentEstimate\": 2500,\n\"requiredDocuments\": [\"paystubs\", \"tax returns\"],\n\"conditionsForApproval\": [\"condition1\"],\n\"reasoningNotes\": \"explanation\",\n\"interestRateRange\": \"3.5-4.0%\"\n}",
        "agent": "conversationalAgent",
        "options": {
          "systemMessage": "You are a mortgage underwriting AI. Analyze loan applications objectively based on standard lending criteria."
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              "stringValue": "={{ $json.output }}"
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      "position": [
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        "content": "## 💳 Credit Check\n\nSimulates credit pull:\n- Credit Score\n- Payment History\n- Credit Utilization\n- Recent Inquiries\n\nNote: Replace with real credit API integration"
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      "parameters": {
        "jsCode": "const income = $('Extract Application Data').first().json.monthlyIncome;\nconst debts = $('Extract Application Data').first().json.monthlyDebts;\nconst dti = $('Parse AI Analysis').first().json.debtToIncomeRatio;\n\nlet creditScore = 720;\nif (dti < 0.30 && income > 8000) creditScore = 760;\nelse if (dti > 0.43 || income < 4000) creditScore = 650;\n\nconst creditData = {\n  creditScore: creditScore,\n  paymentHistory: creditScore > 700 ? 'excellent' : creditScore > 650 ? 'good' : 'fair',\n  creditUtilization: creditScore > 700 ? 25 : 45,\n  recentInquiries: creditScore > 700 ? 1 : 3,\n  creditCheckDate: new Date().toISOString(),\n  ...$('Parse AI Analysis').first().json,\n  ...$('Extract Application Data').first().json\n};\n\nreturn [{ json: creditData }];"
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        "content": "## 🎯 Approval Decision\n\nRoutes based on:\n- AI recommendation\n- Credit score\n- DTI ratio\n- LTV ratio\n\nPaths:\n- Pre-Approved (green)\n- Conditional (yellow)\n- Denied (red)"
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      "typeVersion": 1
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            "typeValidation": "strict"
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          "conditions": [
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              "id": "c1",
              "operator": {
                "type": "string",
                "operation": "equals"
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              "leftValue": "={{ $json.recommendedStatus }}",
              "rightValue": "pre-approved"
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                "operation": "gte"
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              "leftValue": "={{ $json.creditScore }}",
              "rightValue": 680
            },
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              "operator": {
                "type": "number",
                "operation": "lte"
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              "leftValue": "={{ $json.debtToIncomeRatio }}",
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        "content": "## ✅ Pre-Approved Path\n\nActions:\n- Send approval letter\n- Route to underwriter\n- Schedule closing\n- Request final docs"
      },
      "typeVersion": 1
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    {
      "id": "c0f70116-85b3-454a-91f8-7619e980cebb",
      "name": "Vorabgenehmigungsschreiben senden",
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        "sendTo": "={{ $json.email }}",
        "message": "=<div style='font-family: Arial; max-width: 650px; margin: 0 auto;'>\n<div style='background: linear-gradient(135deg, #28a745 0%, #20c997 100%); color: white; padding: 40px; text-align: center;'>\n<h1 style='margin: 0;'>Congratulations!</h1>\n<p style='margin: 10px 0 0 0; font-size: 18px;'>You are Pre-Approved</p>\n</div>\n<div style='padding: 30px;'>\n<p>Dear {{ $json.applicantName }},</p>\n<p>Great news! Your loan application has been pre-approved.</p>\n<div style='background: #d4edda; padding: 20px; margin: 20px 0; border-radius: 8px; border-left: 4px solid #28a745;'>\n<h3 style='margin-top: 0; color: #155724;'>Loan Details</h3>\n<p style='margin: 5px 0;'><strong>Loan Amount:</strong> ${{ $json.loanAmount.toLocaleString() }}</p>\n<p style='margin: 5px 0;'><strong>Estimated Monthly Payment:</strong> ${{ $json.monthlyPaymentEstimate.toLocaleString() }}</p>\n<p style='margin: 5px 0;'><strong>Interest Rate Range:</strong> {{ $json.interestRateRange }}</p>\n<p style='margin: 5px 0;'><strong>Debt-to-Income Ratio:</strong> {{ ($json.debtToIncomeRatio * 100).toFixed(1) }}%</p>\n</div>\n<div style='background: #fff3cd; padding: 20px; margin: 20px 0; border-radius: 8px;'>\n<h3 style='margin-top: 0; color: #856404;'>Required Documents</h3>\n<ul style='color: #856404;'>\n<li>Last 2 months paystubs</li>\n<li>Last 2 years tax returns</li>\n<li>Bank statements (60 days)</li>\n<li>Photo ID</li>\n<li>Proof of down payment</li>\n</ul>\n</div>\n<p><strong>Next Steps:</strong></p>\n<ol>\n<li>Upload required documents within 5 business days</li>\n<li>Complete property appraisal</li>\n<li>Final underwriter review</li>\n<li>Schedule closing date</li>\n</ol>\n<p>Application ID: {{ $json.submissionId }}</p>\n<p>Questions? Call us at (555) 123-4567</p>\n</div>\n</div>",
        "options": {},
        "subject": "=Pre-Approval: Congratulations {{ $json.applicantName.split(' ')[0] }}!"
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      "credentials": {
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      "parameters": {
        "sendTo": "underwriter@company.com",
        "message": "=<div style='font-family: Arial;'>\n<h2>New Pre-Approved Loan Application</h2>\n<p><strong>Applicant:</strong> {{ $json.applicantName }}</p>\n<p><strong>Loan Amount:</strong> ${{ $json.loanAmount.toLocaleString() }}</p>\n<p><strong>Credit Score:</strong> {{ $json.creditScore }}</p>\n<p><strong>DTI Ratio:</strong> {{ ($json.debtToIncomeRatio * 100).toFixed(1) }}%</p>\n<p><strong>LTV Ratio:</strong> {{ ($json.loanToValueRatio * 100).toFixed(1) }}%</p>\n<p><strong>Risk Score:</strong> {{ $json.riskScore }}/100</p>\n<p><strong>Employment:</strong> {{ $json.employmentStatus }}</p>\n<p>Please review for final approval.</p>\n</div>",
        "options": {},
        "subject": "=New Pre-Approved Application: {{ $json.applicantName }}"
      },
      "credentials": {
        "gmailOAuth2": {
          "id": "PIMDNhXNj8Zyiz3G",
          "name": "Gmail account - Deepanshi"
        }
      },
      "typeVersion": 2
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        "content": "## ⚠️ Conditional/Denied Path\n\nActions:\n- Send conditional approval\n- List requirements\n- Or send denial letter\n- Offer alternatives"
      },
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            "caseSensitive": true
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          "conditions": [
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              "id": "c4",
              "operator": {
                "type": "string",
                "operation": "equals"
              },
              "leftValue": "={{ $json.recommendedStatus }}",
              "rightValue": "conditional"
            }
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        "message": "=<div style='font-family: Arial; max-width: 650px; margin: 0 auto;'>\n<div style='background: #ffc107; color: #333; padding: 40px; text-align: center;'>\n<h1 style='margin: 0;'>Conditional Approval</h1>\n</div>\n<div style='padding: 30px;'>\n<p>Dear {{ $json.applicantName }},</p>\n<p>Your loan application is conditionally approved pending the following requirements:</p>\n<div style='background: #fff3cd; padding: 20px; margin: 20px 0; border-radius: 8px;'>\n<h3 style='color: #856404;'>Required Actions</h3>\n<ul>\n<li>{{ $json.conditionsForApproval[0] }}</li>\n</ul>\n</div>\n<p>Please address these items within 10 business days.</p>\n<p>Application ID: {{ $json.submissionId }}</p>\n</div>\n</div>",
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        "message": "=<div style='font-family: Arial; max-width: 650px; margin: 0 auto;'>\n<div style='background: #dc3545; color: white; padding: 40px; text-align: center;'>\n<h1 style='margin: 0;'>Application Update</h1>\n</div>\n<div style='padding: 30px;'>\n<p>Dear {{ $json.applicantName }},</p>\n<p>After careful review, we are unable to approve your loan application at this time.</p>\n<p><strong>Reason:</strong> {{ $json.reasoningNotes }}</p>\n<div style='background: #d1ecf1; padding: 20px; margin: 20px 0; border-radius: 8px;'>\n<h3 style='color: #0c5460;'>Alternative Options</h3>\n<p>We recommend:</p>\n<ul>\n<li>Reduce existing debt to improve DTI ratio</li>\n<li>Increase down payment amount</li>\n<li>Consider co-borrower</li>\n<li>Reapply in 6 months after improving credit</li>\n</ul>\n</div>\n<p>Questions? Call (555) 123-4567</p>\n</div>\n</div>",
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        "subject": "=Loan Application Status Update"
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        "content": "## 📊 Application Tracking\n\nLogs to Google Sheets:\n- All application data\n- AI analysis results\n- Credit information\n- Approval status\n- Next steps\n- Timestamps"
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          "value": {
            "email": "={{ $json.email }}",
            "phone": "={{ $json.phone }}",
            "dtiRatio": "={{ $json.debtToIncomeRatio }}",
            "ltvRatio": "={{ $json.loanToValueRatio }}",
            "riskScore": "={{ $json.riskScore }}",
            "timestamp": "={{ $json.submittedAt }}",
            "loanAmount": "={{ $json.loanAmount }}",
            "creditScore": "={{ $json.creditScore }}",
            "downPayment": "={{ $json.downPayment }}",
            "interestRate": "={{ $json.interestRateRange }}",
            "monthlyDebts": "={{ $json.monthlyDebts }}",
            "applicantName": "={{ $json.applicantName }}",
            "applicationId": "={{ $json.submissionId }}",
            "monthlyIncome": "={{ $json.monthlyIncome }}",
            "approvalStatus": "={{ $json.recommendedStatus }}",
            "monthlyPayment": "={{ $json.monthlyPaymentEstimate }}"
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          "mappingMode": "defineBelow"
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        "options": {
          "useAppend": true,
          "cellFormat": "USER_ENTERED"
        },
        "operation": "appendOrUpdate",
        "sheetName": {
          "__rl": true,
          "mode": "name",
          "value": "Loan_Applications"
        },
        "documentId": {
          "__rl": true,
          "mode": "id",
          "value": "YOUR_GOOGLE_SHEET_ID"
        }
      },
      "credentials": {
        "googleSheetsOAuth2Api": {
          "id": "Kz2DdSp11rxqwlFt",
          "name": "Google Sheets account - Deepanshi"
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      },
      "typeVersion": 4
    },
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      "name": "OpenAI Chat Model",
      "type": "@n8n/n8n-nodes-langchain.lmChatOpenAi",
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      "parameters": {
        "model": {
          "__rl": true,
          "mode": "list",
          "value": "gpt-4.1-mini"
        },
        "options": {}
      },
      "credentials": {
        "openAiApi": {
          "id": "8IkhtT3EbXygnvcr",
          "name": "Klinsman OpenAI"
        }
      },
      "typeVersion": 1.2
    },
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      "name": "Jotform Trigger",
      "type": "n8n-nodes-base.jotFormTrigger",
      "position": [
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      "webhookId": "13b81a5e-3cb0-4d7d-8c29-6a34bee984f4",
      "parameters": {
        "form": "252894100907054"
      },
      "credentials": {
        "jotFormApi": {
          "id": "W7O1b225FpOwkwDT",
          "name": "Jotform account-Deepanshi"
        }
      },
      "typeVersion": 1
    }
  ],
  "pinData": {
    "Jotform Trigger": [
      {
        "DOB": "",
        "Email": "deepanshi@mediajade.com",
        "Address": {
          "city": "Hisar",
          "state": "Haryana",
          "postal": "125001",
          "addr_line1": "41, Aggarsein colony",
          "addr_line2": ""
        },
        "Downpayment": "",
        "Phone Number": {
          "full": "(070) 249-3591"
        },
        "Current debts": "0",
        "Customer name": "Deepanshi Singhal",
        "Monthly Income": "",
        "Property Value": "",
        "Employment Status": "",
        "Loan Amount Requested": ""
      }
    ]
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