feat(schema): add mortgage application form schema

[Sadmin23]

Schema: document.mortgage-application

Schema Motivation

This schema is designed to streamline the digital processing of mortgage applications. It structures applicant, employment, property, and financial data to support intelligent automation, document understanding, and compliance review. It is especially suited for use in systems utilizing Vision-Language Models (VLMs), enabling the accurate extraction of structured data from scanned or uploaded application forms.

Benefits:

• Captures complete mortgage applicant profiles including personal, contact, and financial information
• Supports single or joint applications by modeling both primary and co-applicant fields
• Organizes current and previous employment and address histories for underwriting purposes
• Includes structured property and mortgage details for purchase or refinance applications
• Encourages transparency by capturing obligations, assets, and credit history for holistic applicant evaluation
• Facilitates automation and compliance through standardized fields and consistent schema references

Key Features:

• Nested structures for applicant, employment, address, and financial data
• Flags to support underwriting criteria such as mortgage insurance, escrow, and credit agreement
• Extensible for second mortgages, previous employments, and co-applicants
• Fully compatible with both manual input forms and scanned document processing via VLMs

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Sample Documents:

• Sample Mortgage Application Form 1
• Sample Mortgage Application Form 2
• Sample Mortgage Application Form 3

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Document Input:

• Sample Mortgage Application Form 1

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Sample JSON Output:

{
  "application_meta": {
    "application_date": null,
    "application_time": null,
    "loan_officer": null,
    "purpose_of_loan": "Refinance Mortgage",
    "referred_by": "Robert Thompson"
  },
  "primary_applicant": {
    "salutation": "Ms.",
    "first_name": "Jennifer",
    "middle_initial": "L",
    "last_name": "Wilson",
    "date_of_birth": "1982-07-23",
    "sin": "987-654-321",
    "marital_status": "Single",
    "contact_method": "cell_phone",
    "dependents": 1,
    "email": "[email protected]",
    "work_phone": "604-222-9815",
    "home_phone": "604-444-5678",
    "cell_phone": "778-333-4976",
    "current_address": {
      "unit_number": "205",
      "street": "798 Oak Avenue",
      "city": "Richmond",
      "province_or_state": "BC",
      "postal_code_or_zip": "V6Z 1P3",
      "residence_status": "own",
      "rent_payment": 1850.0,
      "time_at_residence_years": 4,
      "time_at_residence_months": 3
    },
    "previous_address": {
      "unit_number": "178",
      "street": "321 Pine Street",
      "city": "Vancouver",
      "province_or_state": "BC",
      "postal_code_or_zip": "V5K 2M9",
      "residence_status": "rent",
      "rent_payment": 1750.0,
      "time_at_residence_years": 2,
      "time_at_residence_months": 10
    },
    "current_employment": {
      "employer_name": "Global Financial Group",
      "employer_address": "260 Robson Street",
      "employer_city": "Vancouver",
      "employer_province_or_state": "BC",
      "employer_postal_code": "V6E 1B2",
      "employment_type": "full_time",
      "job_title": "Financial Analyst",
      "occupation": "Financial Services",
      "industry_sector": "Finance",
      "income_type": "salary",
      "income_amount": 45000.0,
      "time_at_job_years": 3,
      "time_at_job_months": 7,
      "time_in_industry_years": 7,
      "time_in_industry_months": 2
    },
    "previous_employment": {
      "employer_name": "Capital Markets Ltd",
      "employer_address": "750 Granville Street",
      "employer_city": "Vancouver",
      "employer_province_or_state": "BC",
      "employer_postal_code": "V6Z 1H8",
      "employment_type": "full_time",
      "job_title": "Financial Associate",
      "occupation": "Financial Services",
      "industry_sector": "Finance",
      "income_type": "salary",
      "income_amount": 72500.0,
      "time_at_job_years": 3,
      "time_at_job_months": 7,
      "time_in_industry_years": 7,
      "time_in_industry_months": 2
    }
  },
  "co_applicant": null,
  "property_information": {
    "home_type": null,
    "property_address": null,
    "estimated_market_value": null,
    "tax_value": null,
    "year_purchased": null,
    "year_built": null,
    "original_cost": null,
    "years_in_home": null,
    "has_escrow": null,
    "has_mortgage_insurance": null,
    "monthly_mortgage_payment": null
  },
  "mortgage_details": null,
  "financial_obligations": null,
  "assets": null
}

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