Jitesh Dugar This workflow corresponds to n8n.io template #9841 — we link there as the canonical source.
This workflow follows the Agent → Gmail recipe pattern — see all workflows that pair these two integrations.
The workflow JSON
Copy or download the full n8n JSON below. Paste it into a new n8n workflow, add your credentials, activate. Full import guide →
{
"meta": {
"templateCredsSetupCompleted": true
},
"nodes": [
{
"id": "dcd9d4c8-a065-46c1-974f-d3a8042ed8bd",
"name": "Sticky Note",
"type": "n8n-nodes-base.stickyNote",
"position": [
-608,
-96
],
"parameters": {
"color": 4,
"width": 360,
"height": 632,
"content": "## \ud83c\udfe6 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"
},
"typeVersion": 1
},
{
"id": "64ff6562-d154-4b39-afd7-b6232a2e02f3",
"name": "Sticky Note1",
"type": "n8n-nodes-base.stickyNote",
"position": [
-208,
-128
],
"parameters": {
"color": 5,
"width": 320,
"height": 624,
"content": "## \ud83d\udcdd 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"
},
"typeVersion": 1
},
{
"id": "d106adca-3600-4df9-8057-bf70a4c652ae",
"name": "Extract Application Data",
"type": "n8n-nodes-base.set",
"position": [
-16,
288
],
"parameters": {
"options": {}
},
"typeVersion": 3
},
{
"id": "bad60885-2792-4f80-b545-5938e44fa5c7",
"name": "Sticky Note2",
"type": "n8n-nodes-base.stickyNote",
"position": [
144,
-96
],
"parameters": {
"color": 6,
"width": 484,
"height": 552,
"content": "## \ud83e\udd16 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"
},
"typeVersion": 1
},
{
"id": "5d01d4bc-2940-496a-adb1-7fc33fbe5650",
"name": "AI Financial Analysis",
"type": "@n8n/n8n-nodes-langchain.agent",
"position": [
160,
240
],
"parameters": {
"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."
},
"promptType": "define"
},
"typeVersion": 1.6
},
{
"id": "0c50a9a5-658e-4265-859b-ed6aea84e1a4",
"name": "Parse AI Analysis",
"type": "n8n-nodes-base.set",
"position": [
464,
240
],
"parameters": {
"fields": {
"values": [
{
"name": "Analysis",
"stringValue": "={{ $json.output }}"
}
]
},
"options": {}
},
"typeVersion": 3
},
{
"id": "4f990f13-dca5-49f7-b7dd-9bc1c5b8ae88",
"name": "Sticky Note3",
"type": "n8n-nodes-base.stickyNote",
"position": [
672,
-80
],
"parameters": {
"color": 2,
"width": 320,
"height": 632,
"content": "## \ud83d\udcb3 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"
},
"typeVersion": 1
},
{
"id": "7e1f7975-da4b-42a6-a276-bb4f0b7e0f91",
"name": "Simulate Credit Check",
"type": "n8n-nodes-base.code",
"position": [
736,
256
],
"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 }];"
},
"typeVersion": 2
},
{
"id": "a0554431-c558-4a3b-9200-15edf155858d",
"name": "Sticky Note4",
"type": "n8n-nodes-base.stickyNote",
"position": [
1008,
-80
],
"parameters": {
"color": 7,
"height": 472,
"content": "## \ud83c\udfaf 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)"
},
"typeVersion": 1
},
{
"id": "a73df01e-588e-4428-99f9-f15640c02aec",
"name": "Check Approval Status",
"type": "n8n-nodes-base.if",
"position": [
1056,
288
],
"parameters": {
"options": {},
"conditions": {
"options": {
"version": 1,
"leftValue": "",
"caseSensitive": true,
"typeValidation": "strict"
},
"combinator": "and",
"conditions": [
{
"id": "c1",
"operator": {
"type": "string",
"operation": "equals"
},
"leftValue": "={{ $json.recommendedStatus }}",
"rightValue": "pre-approved"
},
{
"id": "c2",
"operator": {
"type": "number",
"operation": "gte"
},
"leftValue": "={{ $json.creditScore }}",
"rightValue": 680
},
{
"id": "c3",
"operator": {
"type": "number",
"operation": "lte"
},
"leftValue": "={{ $json.debtToIncomeRatio }}",
"rightValue": 0.43
}
]
}
},
"typeVersion": 2
},
{
"id": "ab117b82-a32d-40a9-8b13-2a975b5d795a",
"name": "Sticky Note5",
"type": "n8n-nodes-base.stickyNote",
"position": [
1264,
-112
],
"parameters": {
"color": 3,
"width": 300,
"height": 468,
"content": "## \u2705 Pre-Approved Path\n\nActions:\n- Send approval letter\n- Route to underwriter\n- Schedule closing\n- Request final docs"
},
"typeVersion": 1
},
{
"id": "c0f70116-85b3-454a-91f8-7619e980cebb",
"name": "Send Pre-Approval Letter",
"type": "n8n-nodes-base.gmail",
"position": [
1328,
128
],
"parameters": {
"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] }}!"
},
"credentials": {
"gmailOAuth2": {
"name": "<your credential>"
}
},
"typeVersion": 2
},
{
"id": "2f7eb615-f4f9-4157-8d64-6d4063517506",
"name": "Notify Underwriter",
"type": "n8n-nodes-base.gmail",
"position": [
1328,
256
],
"parameters": {
"sendTo": "user@example.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": {
"name": "<your credential>"
}
},
"typeVersion": 2
},
{
"id": "681e4be6-fb63-41ae-ac9d-9ef6530b22b2",
"name": "Sticky Note6",
"type": "n8n-nodes-base.stickyNote",
"position": [
1248,
400
],
"parameters": {
"width": 300,
"height": 420,
"content": "## \u26a0\ufe0f Conditional/Denied Path\n\nActions:\n- Send conditional approval\n- List requirements\n- Or send denial letter\n- Offer alternatives"
},
"typeVersion": 1
},
{
"id": "b789aa66-b4da-4e61-8359-b3bb72a8ce76",
"name": "Check If Conditional",
"type": "n8n-nodes-base.if",
"position": [
1360,
656
],
"parameters": {
"options": {},
"conditions": {
"options": {
"caseSensitive": true
},
"conditions": [
{
"id": "c4",
"operator": {
"type": "string",
"operation": "equals"
},
"leftValue": "={{ $json.recommendedStatus }}",
"rightValue": "conditional"
}
]
}
},
"typeVersion": 2
},
{
"id": "e05e0a09-5dca-4b45-96ff-859ec77e5bbe",
"name": "Send Conditional Letter",
"type": "n8n-nodes-base.gmail",
"position": [
1712,
528
],
"parameters": {
"sendTo": "={{ $json.email }}",
"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>",
"options": {},
"subject": "=Conditional Approval: Action Required"
},
"credentials": {
"gmailOAuth2": {
"name": "<your credential>"
}
},
"typeVersion": 2
},
{
"id": "3bc859db-ab7c-4877-8f41-6b4429d3f918",
"name": "Send Denial Letter",
"type": "n8n-nodes-base.gmail",
"position": [
1696,
704
],
"parameters": {
"sendTo": "={{ $json.email }}",
"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>",
"options": {},
"subject": "=Loan Application Status Update"
},
"credentials": {
"gmailOAuth2": {
"name": "<your credential>"
}
},
"typeVersion": 2
},
{
"id": "0b2c638e-1677-4e31-b99c-6f18a0c003e2",
"name": "Sticky Note7",
"type": "n8n-nodes-base.stickyNote",
"position": [
1696,
-48
],
"parameters": {
"color": 4,
"width": 320,
"height": 536,
"content": "## \ud83d\udcca 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"
},
"typeVersion": 1
},
{
"id": "c33156be-0706-4e32-9cd5-3c5957fc8b8a",
"name": "Log Application",
"type": "n8n-nodes-base.googleSheets",
"position": [
1792,
176
],
"parameters": {
"columns": {
"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 }}"
},
"mappingMode": "defineBelow"
},
"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": {
"name": "<your credential>"
}
},
"typeVersion": 4
},
{
"id": "7adf0d8f-09ad-4872-9263-c9c540f5782e",
"name": "OpenAI Chat Model",
"type": "@n8n/n8n-nodes-langchain.lmChatOpenAi",
"position": [
160,
432
],
"parameters": {
"model": {
"__rl": true,
"mode": "list",
"value": "gpt-4.1-mini"
},
"options": {}
},
"credentials": {
"openAiApi": {
"name": "<your credential>"
}
},
"typeVersion": 1.2
},
{
"id": "fdf2f8e2-7dde-4bf3-b894-18d22b6ba321",
"name": "Jotform Trigger",
"type": "n8n-nodes-base.jotFormTrigger",
"position": [
-208,
288
],
"parameters": {
"form": "252894100907054"
},
"credentials": {
"jotFormApi": {
"name": "<your credential>"
}
},
"typeVersion": 1
}
],
"connections": {
"Jotform Trigger": {
"main": [
[
{
"node": "Extract Application Data",
"type": "main",
"index": 0
}
]
]
},
"OpenAI Chat Model": {
"ai_languageModel": [
[
{
"node": "AI Financial Analysis",
"type": "ai_languageModel",
"index": 0
}
]
]
},
"Parse AI Analysis": {
"main": [
[
{
"node": "Simulate Credit Check",
"type": "main",
"index": 0
}
]
]
},
"Check If Conditional": {
"main": [
[
{
"node": "Send Conditional Letter",
"type": "main",
"index": 0
}
],
[
{
"node": "Send Denial Letter",
"type": "main",
"index": 0
}
]
]
},
"AI Financial Analysis": {
"main": [
[
{
"node": "Parse AI Analysis",
"type": "main",
"index": 0
}
]
]
},
"Check Approval Status": {
"main": [
[
{
"node": "Send Pre-Approval Letter",
"type": "main",
"index": 0
},
{
"node": "Notify Underwriter",
"type": "main",
"index": 0
}
],
[
{
"node": "Check If Conditional",
"type": "main",
"index": 0
}
]
]
},
"Simulate Credit Check": {
"main": [
[
{
"node": "Check Approval Status",
"type": "main",
"index": 0
},
{
"node": "Log Application",
"type": "main",
"index": 0
}
]
]
},
"Extract Application Data": {
"main": [
[
{
"node": "AI Financial Analysis",
"type": "main",
"index": 0
}
]
]
}
}
}
Credentials you'll need
Each integration node will prompt for credentials when you import. We strip credential IDs before publishing — you'll add your own.
gmailOAuth2googleSheetsOAuth2ApijotFormApiopenAiApi
Pro
For the full experience including quality scoring and batch install features for each workflow upgrade to Pro
About this workflow
Transform manual loan processing into same-day pre-approvals - achieving 50% faster closings, 90% reduction in manual review time, and automated underwriting decisions with AI-powered financial analysis and instant applicant notifications.
Source: https://n8n.io/workflows/9841/ — original creator credit. Request a take-down →
Related workflows
Workflows that share integrations, category, or trigger type with this one. All free to copy and import.
Transform guest complaints into loyalty opportunities - achieving 60% reduction in negative reviews, 85% faster service recovery, and turning dissatisfied guests into brand advocates through AI-powere
Agent, Gmail, HTTP Request +3
Transform patient intake from paperwork chaos into intelligent, automated triage that detects emergencies, prepares providers with comprehensive briefs, and streamlines scheduling—improving patient sa
Agent, OpenAI Chat, Output Parser Structured +4
Transform accounts payable from a manual bottleneck into an intelligent, automated system that reads invoices, detects fraud, and processes payments automatically—saving 20+ hours per week while preve
OpenAI, Agent, OpenAI Chat +6
Transform college admissions from an overwhelming manual process into an intelligent, efficient, and equitable system that analyzes essays, scores applicants holistically, and identifies top candidate
OpenAI, Agent, OpenAI Chat +5
Streamline client onboarding and project setup from hours to minutes with AI-driven automation. This intelligent workflow eliminates manual coordination, builds proposals, creates projects in Asana, w
Agent, Asana, Slack +5