Route borrower submit through the pipeline so it fires **************** (audit #3)

Shipped: July 8, 2026 at 1:04 AM UTC
Author: Kamo
Commit: 0c449d9

patchLoanFile's borrower submit (DRAFT->APPLICATION_TAKEN) now calls **************** instead of a raw updateLoanFile status set, so the submit produces the hash-chained pipeline milestone, the ApplicationSubmission (INITIAL_DISCLOSURE), and the afterCommit STATUS_CHANGE event (webhook worker + real-time board) — previously the submit emitted none of these. The doc-checklist generate + borrower nudge still fire after. Injects LoanPipelineService. A plain loan-file metadata edit (no status change) still goes through updateLoanFile.

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