A loan's milestone dates are the lender's own date, not the UTC date (MS phase H)

Shipped: November 15, 2026 at 3:29 AM UTC
Author: Kamo
Commit: a89f90e

LoanPipelineService stamped application / close / funded / withdrawn / denied dates with LocalDate.now() — the JVM's UTC date — so a loan funded at 8 p.m. Eastern was funded "tomorrow", and servicing then refused a payment dated the day the loan funded (BEFORE_FUNDING, found on the lab org). Now orgs.timezone (Pacific when unset), the same rule as the MLOS settings clock and PricingPolicyResolver.

All changes

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