Most mortgage programmes still treat the data model as an afterthought. Fields are invented per screen, then re-mapped for every lender. Eligibility rules reference columns that no longer exist. Integrations break quietly.
A canonical data model — universal core, product archetypes, and lender extensions — gives every application the same vocabulary. AIP and FMA become stages of one object, not parallel records.
Neural Finance implements mortgage apps on that foundation so brokers, rules engines, and lenders speak the same language from day one.