Update app.py

app.py

@@ -1,106 +1,609 @@
 import gradio as gr
 import os
-from typing import List, Dict
+from typing import List, Dict, Tuple
 import json
+import datetime
 
 # Mock backend functions to simulate AWS Bedrock Agents
-def validate_documents(files: List[str]) -> str:
+def validate_documents(files: List[str]) -> Tuple[str, str]:
     """Simulate Intake Agent: Check if all required docs are present."""
+    if not files:
+        return "❌ No documents uploaded", "error"
+    
     required = ["ID", "Pay Stubs", "W-2", "Tax Returns", "Bank Statements", "Offer", "Insurance", "Title"]
     uploaded = [os.path.basename(f).split(".")[0] for f in files]
     missing = [doc for doc in required if doc not in uploaded]
+    
     if missing:
-        return f"Missing documents: {', '.join(missing)}"
-    return "All documents validated successfully."
+        return f"⚠️ Missing documents: {', '.join(missing)}", "warning"
+    return "✅ All documents validated successfully", "success"
 
 def extract_data(files: List[str], ssn: str) -> Dict:
     """Simulate Extraction Agent: Extract data from documents."""
+    if not files or not ssn:
+        return {}
+    
     return {
-        "application_id": 123,
+        "application_id": "APP-2024-001234",
         "ssn": ssn,
-        "monthly_income": 5000,
-        "monthly_debts": 1000,
-        "credit_score": 650,
-        "property_value": 300000,
-        "loan_amount": 240000,
+        "applicant_name": "John Doe",
+        "monthly_income": 8500,
+        "monthly_debts": 2100,
+        "credit_score": 720,
+        "property_value": 450000,
+        "loan_amount": 360000,
         "insurance_coverage": "12_months",
-        "title_status": "Clear"
+        "title_status": "Clear",
+        "employment_status": "Full-time",
+        "years_employed": 3.5
     }
 
 def analyze_data(data: Dict) -> Dict:
     """Simulate Credit/Capacity/Collateral/Compliance Agents: Analyze data."""
+    if not data:
+        return {}
+    
     dti = (data["monthly_debts"] / data["monthly_income"]) * 100
     ltv = (data["loan_amount"] / data["property_value"]) * 100
     flags = []
+    risk_level = "Low"
+    
     if dti > 45:
-        flags.append("High DTI")
+        flags.append("High DTI Ratio")
+        risk_level = "High"
+    elif dti > 36:
+        flags.append("Elevated DTI Ratio")
+        risk_level = "Medium"
+    
     if data["credit_score"] < 620:
-        flags.append("Low credit score")
+        flags.append("Low Credit Score")
+        risk_level = "High"
+    elif data["credit_score"] < 680:
+        flags.append("Fair Credit Score")
+        if risk_level != "High":
+            risk_level = "Medium"
+    
+    if ltv > 95:
+        flags.append("High LTV Ratio")
+        risk_level = "High"
+    elif ltv > 80:
+        flags.append("Elevated LTV Ratio")
+        if risk_level == "Low":
+            risk_level = "Medium"
+    
     if "Clear" not in data["title_status"]:
-        flags.append("Title issue")
+        flags.append("Title Issues")
+        risk_level = "High"
+    
+    status = "Ready for Approval" if not flags else "Requires Review"
+    if risk_level == "High":
+        status = "High Risk - Manual Review Required"
+    
     return {
-        "DTI": round(dti, 2),
-        "LTV": round(ltv, 2),
+        "application_id": data["application_id"],
+        "applicant_name": data["applicant_name"],
+        "dti_ratio": round(dti, 2),
+        "ltv_ratio": round(ltv, 2),
         "credit_score": data["credit_score"],
+        "monthly_income": f"${data['monthly_income']:,}",
+        "monthly_debts": f"${data['monthly_debts']:,}",
+        "loan_amount": f"${data['loan_amount']:,}",
+        "property_value": f"${data['property_value']:,}",
+        "risk_level": risk_level,
         "flags": flags,
-        "status": "Needs review" if flags else "Ready for approval"
+        "status": status,
+        "processed_date": datetime.datetime.now().strftime("%Y-%m-%d %H:%M:%S")
     }
 
 def handle_conditions(additional_files: List[str], comments: str) -> str:
     """Simulate Conditions Agent: Process additional uploads."""
-    if additional_files:
-        return f"Additional files received: {', '.join([os.path.basename(f) for f in additional_files])}. Comments: {comments}"
-    return "No additional files uploaded."
+    if additional_files and comments.strip():
+        file_names = [os.path.basename(f) for f in additional_files]
+        return f"✅ Additional documentation received: {', '.join(file_names)}\n\n📝 Comments: {comments}\n\n⏳ Status: Under Review"
+    elif additional_files:
+        file_names = [os.path.basename(f) for f in additional_files]
+        return f"✅ Additional files uploaded: {', '.join(file_names)}\n\n⚠️ Please provide comments for review"
+    elif comments.strip():
+        return f"📝 Comments noted: {comments}\n\n⚠️ Please upload supporting documents"
+    return "❌ No additional files or comments provided"
 
-def finalize_approval(approve: bool, comments: str, analysis: Dict) -> str:
+def finalize_approval(decision: str, comments: str, analysis: Dict) -> str:
     """Simulate Final Approval Agent: Finalize decision."""
-    if approve and not analysis["flags"]:
-        return "Clear to Close. Closing package generated."
-    elif approve:
-        return f"Approved with conditions: {', '.join(analysis['flags'])}. Comments: {comments}"
-    else:
-        return f"Rejected. Comments: {comments}"
+    if not analysis:
+        return "❌ Error: No analysis data available. Please complete analysis first."
+    
+    app_id = analysis.get("application_id", "N/A")
+    applicant = analysis.get("applicant_name", "N/A")
+    timestamp = datetime.datetime.now().strftime("%Y-%m-%d %H:%M:%S")
+    
+    if decision == "Approve":
+        if not analysis.get("flags", []):
+            return f"""
+🎉 **APPLICATION APPROVED** 
+
+📋 **Application ID:** {app_id}
+👤 **Applicant:** {applicant}
+📅 **Decision Date:** {timestamp}
+✅ **Status:** Clear to Close
+
+📦 **Next Steps:**
+- Closing package will be generated automatically
+- Borrower will be contacted within 24 hours
+- Expected closing date: {(datetime.datetime.now() + datetime.timedelta(days=14)).strftime("%Y-%m-%d")}
+
+💬 **Comments:** {comments if comments.strip() else 'Standard approval - all criteria met'}
+"""
+        else:
+            return f"""
+✅ **APPLICATION APPROVED WITH CONDITIONS**
+
+📋 **Application ID:** {app_id}
+👤 **Applicant:** {applicant}
+📅 **Decision Date:** {timestamp}
+⚠️ **Conditions:** {', '.join(analysis['flags'])}
+
+📋 **Required Actions:**
+- Address flagged conditions before closing
+- Submit additional documentation if required
+- Schedule manual review if needed
+
+💬 **Comments:** {comments}
+"""
+    else:  # Reject
+        return f"""
+❌ **APPLICATION REJECTED**
+
+📋 **Application ID:** {app_id}
+👤 **Applicant:** {applicant}
+📅 **Decision Date:** {timestamp}
+
+🚫 **Rejection Reasons:**
+{chr(10).join([f"• {flag}" for flag in analysis.get('flags', ['Manual rejection'])])}
+
+📞 **Next Steps:**
+- Applicant will be contacted within 48 hours
+- Adverse action notice will be sent
+- Reapplication possible after addressing issues
+
+💬 **Comments:** {comments}
+"""
+
+# Custom CSS for production-grade styling
+custom_css = """
+/* Global Styles */
+.gradio-container {
+    font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif !important;
+    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%) !important;
+    min-height: 100vh;
+}
+
+.main {
+    background: rgba(255, 255, 255, 0.95) !important;
+    border-radius: 20px !important;
+    box-shadow: 0 20px 40px rgba(0,0,0,0.1) !important;
+    margin: 20px !important;
+    padding: 0 !important;
+}
+
+/* Header Styling */
+.header-section {
+    background: linear-gradient(90deg, #1e3c72 0%, #2a5298 100%) !important;
+    color: white !important;
+    padding: 30px !important;
+    border-radius: 20px 20px 0 0 !important;
+    margin-bottom: 0 !important;
+    text-align: center !important;
+}
+
+.header-section h1 {
+    margin: 0 !important;
+    font-size: 2.5rem !important;
+    font-weight: 700 !important;
+    text-shadow: 2px 2px 4px rgba(0,0,0,0.3) !important;
+}
+
+.header-section p {
+    margin: 10px 0 0 0 !important;
+    font-size: 1.1rem !important;
+    opacity: 0.9 !important;
+}
+
+/* Section Styling */
+.section-card {
+    background: white !important;
+    border-radius: 15px !important;
+    padding: 25px !important;
+    margin: 20px !important;
+    box-shadow: 0 8px 25px rgba(0,0,0,0.1) !important;
+    border: 1px solid rgba(0,0,0,0.05) !important;
+    transition: all 0.3s ease !important;
+}
+
+.section-card:hover {
+    transform: translateY(-2px) !important;
+    box-shadow: 0 12px 35px rgba(0,0,0,0.15) !important;
+}
+
+.section-title {
+    color: #2c3e50 !important;
+    font-size: 1.5rem !important;
+    font-weight: 600 !important;
+    margin-bottom: 20px !important;
+    padding-bottom: 10px !important;
+    border-bottom: 3px solid #3498db !important;
+    display: flex !important;
+    align-items: center !important;
+    gap: 10px !important;
+}
+
+/* Button Styling */
+.btn-primary {
+    background: linear-gradient(45deg, #667eea, #764ba2) !important;
+    border: none !important;
+    border-radius: 10px !important;
+    padding: 12px 30px !important;
+    font-weight: 600 !important;
+    font-size: 1rem !important;
+    transition: all 0.3s ease !important;
+    text-transform: uppercase !important;
+    letter-spacing: 0.5px !important;
+}
+
+.btn-primary:hover {
+    transform: translateY(-2px) !important;
+    box-shadow: 0 8px 20px rgba(102, 126, 234, 0.4) !important;
+}
+
+.btn-success {
+    background: linear-gradient(45deg, #56ab2f, #a8e6cf) !important;
+    border: none !important;
+    border-radius: 10px !important;
+    padding: 12px 30px !important;
+    font-weight: 600 !important;
+}
+
+.btn-danger {
+    background: linear-gradient(45deg, #ff416c, #ff4b2b) !important;
+    border: none !important;
+    border-radius: 10px !important;
+    padding: 12px 30px !important;
+    font-weight: 600 !important;
+}
+
+/* Input Styling */
+input, textarea, select {
+    border-radius: 8px !important;
+    border: 2px solid #e1e8ed !important;
+    padding: 12px !important;
+    font-size: 1rem !important;
+    transition: all 0.3s ease !important;
+}
+
+input:focus, textarea:focus, select:focus {
+    border-color: #667eea !important;
+    box-shadow: 0 0 0 3px rgba(102, 126, 234, 0.1) !important;
+    outline: none !important;
+}
+
+/* Status Messages */
+.status-success {
+    background: linear-gradient(45deg, #56ab2f, #a8e6cf) !important;
+    color: white !important;
+    padding: 15px !important;
+    border-radius: 10px !important;
+    font-weight: 600 !important;
+}
+
+.status-warning {
+    background: linear-gradient(45deg, #f7971e, #ffd200) !important;
+    color: #333 !important;
+    padding: 15px !important;
+    border-radius: 10px !important;
+    font-weight: 600 !important;
+}
+
+.status-error {
+    background: linear-gradient(45deg, #ff416c, #ff4b2b) !important;
+    color: white !important;
+    padding: 15px !important;
+    border-radius: 10px !important;
+    font-weight: 600 !important;
+}
+
+/* Progress Indicators */
+.step-indicator {
+    display: flex !important;
+    justify-content: space-between !important;
+    margin: 20px 0 !important;
+    position: relative !important;
+}
+
+.step {
+    background: #e1e8ed !important;
+    border-radius: 50% !important;
+    width: 40px !important;
+    height: 40px !important;
+    display: flex !important;
+    align-items: center !important;
+    justify-content: center !important;
+    font-weight: bold !important;
+    color: #666 !important;
+    z-index: 2 !important;
+}
+
+.step.active {
+    background: linear-gradient(45deg, #667eea, #764ba2) !important;
+    color: white !important;
+}
+
+.step.completed {
+    background: linear-gradient(45deg, #56ab2f, #a8e6cf) !important;
+    color: white !important;
+}
+
+/* JSON Display Enhancement */
+.json-display {
+    background: #f8f9fa !important;
+    border: 1px solid #e9ecef !important;
+    border-radius: 10px !important;
+    padding: 20px !important;
+    font-family: 'Monaco', 'Consolas', monospace !important;
+    max-height: 400px !important;
+    overflow-y: auto !important;
+}
+
+/* File Upload Styling */
+.file-upload {
+    border: 2px dashed #667eea !important;
+    border-radius: 10px !important;
+    padding: 30px !important;
+    text-align: center !important;
+    background: rgba(102, 126, 234, 0.05) !important;
+    transition: all 0.3s ease !important;
+}
+
+.file-upload:hover {
+    background: rgba(102, 126, 234, 0.1) !important;
+    border-color: #5a67d8 !important;
+}
+
+/* Responsive Design */
+@media (max-width: 768px) {
+    .main {
+        margin: 10px !important;
+    }
+    
+    .section-card {
+        margin: 10px !important;
+        padding: 20px !important;
+    }
+    
+    .header-section h1 {
+        font-size: 2rem !important;
+    }
+}
+"""
 
 # Gradio Interface
-with gr.Blocks(title="Mortgage Underwriting Automation") as app:
-    gr.Markdown("# Mortgage Underwriting Automation")
+with gr.Blocks(css=custom_css, title="Mortgage Underwriting System", theme=gr.themes.Soft()) as app:
+    
+    # Header Section
+    with gr.Row():
+        with gr.Column():
+            gr.HTML("""
+            <div class="header-section">
+                <h1>🏠 Mortgage Underwriting Automation</h1>
+                <p>Intelligent Document Processing & Risk Assessment Platform</p>
+            </div>
+            """)
+    
+    # Progress Indicator
+    with gr.Row():
+        with gr.Column():
+            gr.HTML("""
+            <div class="section-card">
+                <div class="step-indicator">
+                    <div class="step active">1</div>
+                    <div class="step">2</div>
+                    <div class="step">3</div>
+                    <div class="step">4</div>
+                </div>
+                <div style="text-align: center; margin-top: 10px; color: #666;">
+                    <strong>Document Upload</strong> → Data Analysis → Conditions → Final Approval
+                </div>
+            </div>
+            """)
     
     # Section 1: Document Upload
     with gr.Row():
         with gr.Column():
-            gr.Markdown("## Upload Documents")
-            files_input = gr.File(label="Upload Documents (ID, Pay Stubs, W-2s, etc.)", file_count="multiple", file_types=[".pdf", ".png", ".jpg"])
-            ssn_input = gr.Textbox(label="Social Security Number", placeholder="XXX-XX-XXXX")
-            validate_btn = gr.Button("Validate Documents")
-            validate_output = gr.Textbox(label="Validation Result")
-        validate_btn.click(fn=validate_documents, inputs=files_input, outputs=validate_output)
+            gr.HTML('<div class="section-card">')
+            gr.HTML('<div class="section-title">📄 Document Upload & Validation</div>')
+            
+            with gr.Row():
+                with gr.Column(scale=2):
+                    files_input = gr.File(
+                        label="Required Documents",
+                        file_count="multiple",
+                        file_types=[".pdf", ".png", ".jpg", ".jpeg"],
+                        elem_classes=["file-upload"]
+                    )
+                    gr.HTML("""
+                    <div style="background: #f8f9fa; padding: 15px; border-radius: 8px; margin: 10px 0;">
+                        <strong>📋 Required Documents Checklist:</strong><br>
+                        • Government-issued ID<br>
+                        • Recent Pay Stubs (2-3 months)<br>
+                        • W-2 Forms (2 years)<br>
+                        • Tax Returns (2 years)<br>
+                        • Bank Statements (3 months)<br>
+                        • Purchase Offer/Contract<br>
+                        • Insurance Documentation<br>
+                        • Property Title Information
+                    </div>
+                    """)
+                
+                with gr.Column(scale=1):
+                    ssn_input = gr.Textbox(
+                        label="Social Security Number",
+                        placeholder="XXX-XX-XXXX",
+                        type="password"
+                    )
+                    validate_btn = gr.Button("🔍 Validate Documents", variant="primary", size="lg")
+                    validate_output = gr.Textbox(
+                        label="Validation Status",
+                        interactive=False,
+                        lines=2
+                    )
+            
+            gr.HTML('</div>')
     
     # Section 2: Data Extraction and Analysis
     with gr.Row():
         with gr.Column():
-            gr.Markdown("## Extracted Data and Analysis")
-            extract_btn = gr.Button("Extract and Analyze")
-            analysis_output = gr.JSON(label="Analysis Results (DTI, LTV, Flags)")
-        extract_btn.click(fn=lambda files, ssn: analyze_data(extract_data(files, ssn)), inputs=[files_input, ssn_input], outputs=analysis_output)
+            gr.HTML('<div class="section-card">')
+            gr.HTML('<div class="section-title">🔍 Automated Analysis & Risk Assessment</div>')
+            
+            with gr.Row():
+                with gr.Column():
+                    extract_btn = gr.Button("⚡ Extract Data & Analyze Risk", variant="primary", size="lg")
+                    
+                    with gr.Row():
+                        with gr.Column():
+                            analysis_output = gr.JSON(
+                                label="📊 Comprehensive Analysis Results",
+                                elem_classes=["json-display"]
+                            )
+                        
+                        with gr.Column():
+                            gr.HTML("""
+                            <div style="background: linear-gradient(135deg, #667eea 0%, #764ba2 100%); color: white; padding: 20px; border-radius: 10px;">
+                                <h3 style="margin: 0 0 15px 0;">🎯 Risk Assessment Criteria</h3>
+                                <div style="background: rgba(255,255,255,0.1); padding: 15px; border-radius: 8px;">
+                                    <strong>📈 DTI Ratio:</strong> ≤ 45% (Optimal: ≤ 36%)<br>
+                                    <strong>💳 Credit Score:</strong> ≥ 620 (Preferred: ≥ 680)<br>
+                                    <strong>🏘️ LTV Ratio:</strong> ≤ 95% (Conventional: ≤ 80%)<br>
+                                    <strong>📋 Documentation:</strong> Complete & Verified<br>
+                                    <strong>🏢 Employment:</strong> Stable Income History
+                                </div>
+                            </div>
+                            """)
+            
+            gr.HTML('</div>')
+    
+    # Section 3: Conditional Requirements
+    with gr.Row():
+        with gr.Column():
+            gr.HTML('<div class="section-card">')
+            gr.HTML('<div class="section-title">📎 Additional Documentation & Conditions</div>')
+            
+            with gr.Row():
+                with gr.Column():
+                    additional_files = gr.File(
+                        label="Upload Additional Documents",
+                        file_count="multiple",
+                        file_types=[".pdf", ".png", ".jpg", ".jpeg"],
+                        elem_classes=["file-upload"]
+                    )
+                    condition_comments = gr.Textbox(
+                        label="Underwriter Comments & Instructions",
+                        placeholder="Provide detailed comments about additional requirements...",
+                        lines=4
+                    )
+                    condition_btn = gr.Button("📤 Submit Additional Documentation", variant="secondary", size="lg")
+                
+                with gr.Column():
+                    condition_output = gr.Textbox(
+                        label="📋 Conditions Status",
+                        interactive=False,
+                        lines=6
+                    )
+                    
+                    gr.HTML("""
+                    <div style="background: #fff3cd; border: 1px solid #ffeaa7; padding: 15px; border-radius: 8px; color: #856404;">
+                        <strong>💡 Common Additional Requirements:</strong><br>
+                        • Gift Letter (for down payment assistance)<br>
+                        • Employment Verification Letter<br>
+                        • Asset Verification Documents<br>
+                        • Property Appraisal Report<br>
+                        • Explanation Letters (for credit items)<br>
+                        • Homeowner's Insurance Proof
+                    </div>
+                    """)
+            
+            gr.HTML('</div>')
     
-    # Section 3: Conditions
+    # Section 4: Final Decision
     with gr.Row():
         with gr.Column():
-            gr.Markdown("## Conditions (Additional Documents)")
-            additional_files = gr.File(label="Upload Additional Documents (e.g., Gift Letter)", file_count="multiple", file_types=[".pdf", ".png", ".jpg"])
-            condition_comments = gr.Textbox(label="Comments for Conditions")
-            condition_btn = gr.Button("Submit Additional Documents")
-            condition_output = gr.Textbox(label="Condition Status")
-        condition_btn.click(fn=handle_conditions, inputs=[additional_files, condition_comments], outputs=condition_output)
-    
-    # Section 4: Final Approval
+            gr.HTML('<div class="section-card">')
+            gr.HTML('<div class="section-title">⚖️ Final Underwriting Decision</div>')
+            
+            with gr.Row():
+                with gr.Column():
+                    approve_radio = gr.Radio(
+                        choices=["Approve", "Reject"],
+                        label="📋 Underwriting Decision",
+                        info="Select final decision based on comprehensive analysis"
+                    )
+                    approval_comments = gr.Textbox(
+                        label="💬 Decision Comments & Rationale",
+                        placeholder="Provide detailed reasoning for the decision...",
+                        lines=4
+                    )
+                    approve_btn = gr.Button("✅ Submit Final Decision", variant="primary", size="lg")
+                
+                with gr.Column():
+                    final_output = gr.Textbox(
+                        label="🏆 Final Approval Status",
+                        interactive=False,
+                        lines=12,
+                        elem_classes=["status-display"]
+                    )
+            
+            gr.HTML('</div>')
+    
+    # Footer
     with gr.Row():
         with gr.Column():
-            gr.Markdown("## Final Approval")
-            approve_radio = gr.Radio(choices=["Approve", "Reject"], label="Decision")
-            approval_comments = gr.Textbox(label="Approval/Rejection Comments")
-            approve_btn = gr.Button("Submit Decision")
-            final_output = gr.Textbox(label="Final Status")
-        approve_btn.click(fn=finalize_approval, inputs=[approve_radio, approval_comments, analysis_output], outputs=final_output)
-
-app.launch()
+            gr.HTML("""
+            <div style="text-align: center; padding: 20px; color: #666; background: rgba(0,0,0,0.05); border-radius: 0 0 20px 20px;">
+                <p>🔒 Secure • 🤖 AI-Powered • ⚡ Real-time Processing</p>
+                <p><small>© 2024 Mortgage Underwriting Automation Platform | Version 2.0</small></p>
+            </div>
+            """)
+    
+    # Event Handlers
+    validate_btn.click(
+        fn=lambda files: validate_documents(files)[0],
+        inputs=files_input,
+        outputs=validate_output
+    )
+    
+    extract_btn.click(
+        fn=lambda files, ssn: analyze_data(extract_data(files, ssn)),
+        inputs=[files_input, ssn_input],
+        outputs=analysis_output
+    )
+    
+    condition_btn.click(
+        fn=handle_conditions,
+        inputs=[additional_files, condition_comments],
+        outputs=condition_output
+    )
+    
+    approve_btn.click(
+        fn=finalize_approval,
+        inputs=[approve_radio, approval_comments, analysis_output],
+        outputs=final_output
+    )
+
+if __name__ == "__main__":
+    app.launch(
+        server_name="0.0.0.0",
+        server_port=7860,
+        share=False,
+        show_error=True,
+        favicon_path=None,
+        ssl_verify=False,
+        debug=True
+    )