Step 2: Connect Google Sheets

Store each processed application in a tracking spreadsheet.

1. Add Record to Sheets after Mock Credit Evaluation.
2. Set Operation to appendOrUpdate.
3. Set Document to [YOUR_ID] and Sheet Name to Loan_Applications.
4. Map columns using the defined expressions, for example: email → {{ $json.email }}, dtiRatio → {{ $json.debtToIncomeRatio }}, approvalStatus → {{ $json.recommendedStatus }}.
5. Credential Required: Connect your googleSheetsOAuth2Api credentials.

Step 3: Set Up the AI Risk Analysis

Normalize incoming fields and run the AI underwriting analysis.

1. In Map Applicant Fields, map incoming Jotform fields into normalized keys used downstream (for example, monthly income, debts, down payment).
2. Configure Mortgage Risk Analyzer with the prompt in Text and keep it as conversationalAgent.
3. Ensure OpenAI Chat Engine is connected as the language model for Mortgage Risk Analyzer and set Model to gpt-4.1-mini.
4. Credential Required: Connect your openAiApi credentials in OpenAI Chat Engine.
5. In Extract AI Summary, set Analysis to {{ $json.output }} to capture the LLM output.

Step 4: Configure Processing and Decision Logic

Compute credit scores, evaluate eligibility, and route outcomes.

1. In Mock Credit Evaluation, keep the JavaScript logic that merges Map Applicant Fields and Extract AI Summary and returns the combined credit data.
2. Configure Approval Logic Gate conditions: recommendedStatus equals pre-approved, creditScore ≥ 680, and debtToIncomeRatio ≤ 0.43.
3. Set Conditional Status Check to evaluate recommendedStatus equals conditional.
4. Mock Credit Evaluation outputs to both Approval Logic Gate and Record to Sheets in parallel.
5. Approval Logic Gate outputs to both Dispatch Pre-Approval Email and Alert Underwriter Inbox in parallel, while the false branch continues to Conditional Status Check.

Step 5: Configure Email Outputs

Send applicant and internal notifications based on the decision branches.

1. In Dispatch Pre-Approval Email, set Send To to {{ $json.email }} and keep the HTML Message and Subject expressions as provided.
2. In Alert Underwriter Inbox, set Send To to [YOUR_EMAIL] and keep the internal summary template.
3. In Send Conditional Notice, set Send To to {{ $json.email }} and keep the conditional requirements template.
4. In Send Denial Notice, set Send To to {{ $json.email }} and keep the denial reasoning template.
5. Credential Required: Connect your gmailOAuth2 credentials for Dispatch Pre-Approval Email, Alert Underwriter Inbox, Send Conditional Notice, and Send Denial Notice.

Step 6: Test and Activate Your Workflow

Validate the end-to-end automation and then enable it for production.

1. Click Execute Workflow and submit a test form to Jotform Submission Trigger.
2. Verify Record to Sheets writes a new row with mapped values like {{ $json.applicantName }} and {{ $json.recommendedStatus }}.
3. Confirm the correct email path: pre-approved sends both Dispatch Pre-Approval Email and Alert Underwriter Inbox, conditional sends Send Conditional Notice, otherwise Send Denial Notice.
4. When satisfied, toggle the workflow to Active to process real submissions automatically.