Retire the URLA wizard — waypoints now own the borrower journey end-to-end

Refactorkamolos
Shipped
May 16, 2026 at 11:24 PM UTC
Author
Kamo
Commit
0ea2f9c

Wires each connect-first waypoint to write through the existing /api/security/mortgage-apps/* endpoints, then redirects /apply/<section> to its matching /waypoints/<slug> and deletes the legacy MUI wizard. The promise of "fully immersive end-to-end, no flat-form fallback anywhere" is now real. URLA writes (8 waypoints): - front-door: typed identity **************** + id-verify stub, saves via patchBorrower; creates a BorrowerPair on demand - paystub-clipboard: income stub pulls employments → addEmployment per record - bank-vault: assets stub pulls accounts → addAsset per record - property-cards: typed address + occupancy/property-type lookups + property- data stub estimate, saves via patchProperty - credit-ledger: typed PII + soft credit pull, saves via patchBorrower + addLiability sentinel (per-record liability writes ship with real CRA adapter) - declarations-stand: hydrates from app, saves via patchDeclarations - hmda-pavilion: hydrates from app + lookups, saves via patchHmda - reviewing-porch: already wired to useSubmitApplication Helper: - **************** returns primary borrower uid, creating a fresh BorrowerPair on the first write when the app has none /apply/<section> dispatcher: - app/apply/[section]/page.tsx is now a server-side redirect from each known section to the matching /waypoints/<slug>, preserving ?app=<uid> Deleted (no consumers remain): - **************** - **************** **************** - **************** **************** - **************** Kept: - lib/wizard/useWizardData.ts — still used by /workspace pages - flows/wizard/sections.ts — isSectionDone + WIZARD_SECTIONS power reviewing-porch and deriveHomeState

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