<?xml version="1.0" encoding="UTF-8"?>
<bpmn2:definitions xmlns:bpmn2="http://www.omg.org/spec/BPMN/20100524/MODEL" xmlns:bpmndi="http://www.omg.org/spec/BPMN/20100524/DI" xmlns:dc="http://www.omg.org/spec/DD/20100524/DC" xmlns:di="http://www.omg.org/spec/DD/20100524/DI" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" id="Definitions_1" targetNamespace="http://bpmn.io/schema/bpmn" exporter="swimdraft" exporterVersion="1.0">
  <bpmn2:collaboration id="Collaboration_1">
    <bpmn2:participant id="pool_mtg" name="Mortgage application" processRef="Process_pool_mtg" />
  </bpmn2:collaboration>
  <bpmn2:process id="Process_pool_mtg" isExecutable="false">
    <bpmn2:laneSet id="LaneSet_pool_mtg">
      <bpmn2:lane id="lane_mtg_adviser" name="Mortgage adviser">
        <bpmn2:flowNodeRef>start_mtg</bpmn2:flowNodeRef>
        <bpmn2:flowNodeRef>t_mtg_pack</bpmn2:flowNodeRef>
        <bpmn2:flowNodeRef>g_mtg_split</bpmn2:flowNodeRef>
        <bpmn2:flowNodeRef>t_mtg_offer</bpmn2:flowNodeRef>
        <bpmn2:flowNodeRef>t_mtg_decline</bpmn2:flowNodeRef>
        <bpmn2:flowNodeRef>end_mtg_declined</bpmn2:flowNodeRef>
      </bpmn2:lane>
      <bpmn2:lane id="lane_mtg_val" name="Valuation">
        <bpmn2:flowNodeRef>t_mtg_value</bpmn2:flowNodeRef>
      </bpmn2:lane>
      <bpmn2:lane id="lane_mtg_uw" name="Underwriting">
        <bpmn2:flowNodeRef>t_mtg_afford</bpmn2:flowNodeRef>
        <bpmn2:flowNodeRef>g_mtg_join</bpmn2:flowNodeRef>
        <bpmn2:flowNodeRef>g_mtg_decide</bpmn2:flowNodeRef>
      </bpmn2:lane>
      <bpmn2:lane id="lane_mtg_comp" name="Completions">
        <bpmn2:flowNodeRef>ev_mtg_wait</bpmn2:flowNodeRef>
        <bpmn2:flowNodeRef>t_mtg_release</bpmn2:flowNodeRef>
        <bpmn2:flowNodeRef>end_mtg_done</bpmn2:flowNodeRef>
      </bpmn2:lane>
    </bpmn2:laneSet>
    <bpmn2:startEvent id="start_mtg" name="Application submitted">
      <bpmn2:outgoing>fmtg1</bpmn2:outgoing>
    </bpmn2:startEvent>
    <bpmn2:userTask id="t_mtg_pack" name="Check application pack">
      <bpmn2:incoming>fmtg1</bpmn2:incoming>
      <bpmn2:outgoing>fmtg2</bpmn2:outgoing>
    </bpmn2:userTask>
    <bpmn2:parallelGateway id="g_mtg_split">
      <bpmn2:incoming>fmtg2</bpmn2:incoming>
      <bpmn2:outgoing>fmtg3</bpmn2:outgoing>
      <bpmn2:outgoing>fmtg4</bpmn2:outgoing>
    </bpmn2:parallelGateway>
    <bpmn2:userTask id="t_mtg_value" name="Value property">
      <bpmn2:incoming>fmtg3</bpmn2:incoming>
      <bpmn2:outgoing>fmtg5</bpmn2:outgoing>
    </bpmn2:userTask>
    <bpmn2:businessRuleTask id="t_mtg_afford" name="Assess affordability">
      <bpmn2:incoming>fmtg4</bpmn2:incoming>
      <bpmn2:outgoing>fmtg6</bpmn2:outgoing>
    </bpmn2:businessRuleTask>
    <bpmn2:parallelGateway id="g_mtg_join">
      <bpmn2:incoming>fmtg5</bpmn2:incoming>
      <bpmn2:incoming>fmtg6</bpmn2:incoming>
      <bpmn2:outgoing>fmtg7</bpmn2:outgoing>
    </bpmn2:parallelGateway>
    <bpmn2:exclusiveGateway id="g_mtg_decide" name="Mortgage approved?" default="fmtg9">
      <bpmn2:incoming>fmtg7</bpmn2:incoming>
      <bpmn2:outgoing>fmtg8</bpmn2:outgoing>
      <bpmn2:outgoing>fmtg9</bpmn2:outgoing>
    </bpmn2:exclusiveGateway>
    <bpmn2:sendTask id="t_mtg_offer" name="Issue mortgage offer">
      <bpmn2:incoming>fmtg8</bpmn2:incoming>
      <bpmn2:outgoing>fmtg10</bpmn2:outgoing>
    </bpmn2:sendTask>
    <bpmn2:intermediateCatchEvent id="ev_mtg_wait" name="Reflection period ends">
      <bpmn2:incoming>fmtg10</bpmn2:incoming>
      <bpmn2:outgoing>fmtg11</bpmn2:outgoing>
      <bpmn2:timerEventDefinition id="ev_mtg_wait_def" />
    </bpmn2:intermediateCatchEvent>
    <bpmn2:serviceTask id="t_mtg_release" name="Release funds">
      <bpmn2:incoming>fmtg11</bpmn2:incoming>
      <bpmn2:outgoing>fmtg12</bpmn2:outgoing>
    </bpmn2:serviceTask>
    <bpmn2:endEvent id="end_mtg_done" name="Funds released">
      <bpmn2:incoming>fmtg12</bpmn2:incoming>
    </bpmn2:endEvent>
    <bpmn2:sendTask id="t_mtg_decline" name="Notify applicant of decline">
      <bpmn2:incoming>fmtg9</bpmn2:incoming>
      <bpmn2:outgoing>fmtg13</bpmn2:outgoing>
    </bpmn2:sendTask>
    <bpmn2:endEvent id="end_mtg_declined" name="Application declined">
      <bpmn2:incoming>fmtg13</bpmn2:incoming>
    </bpmn2:endEvent>
    <bpmn2:sequenceFlow id="fmtg1" sourceRef="start_mtg" targetRef="t_mtg_pack" />
    <bpmn2:sequenceFlow id="fmtg2" sourceRef="t_mtg_pack" targetRef="g_mtg_split" />
    <bpmn2:sequenceFlow id="fmtg3" sourceRef="g_mtg_split" targetRef="t_mtg_value" />
    <bpmn2:sequenceFlow id="fmtg4" sourceRef="g_mtg_split" targetRef="t_mtg_afford" />
    <bpmn2:sequenceFlow id="fmtg5" sourceRef="t_mtg_value" targetRef="g_mtg_join" />
    <bpmn2:sequenceFlow id="fmtg6" sourceRef="t_mtg_afford" targetRef="g_mtg_join" />
    <bpmn2:sequenceFlow id="fmtg7" sourceRef="g_mtg_join" targetRef="g_mtg_decide" />
    <bpmn2:sequenceFlow id="fmtg8" name="Yes" sourceRef="g_mtg_decide" targetRef="t_mtg_offer">
      <bpmn2:conditionExpression xsi:type="bpmn2:tFormalExpression">Yes</bpmn2:conditionExpression>
    </bpmn2:sequenceFlow>
    <bpmn2:sequenceFlow id="fmtg9" name="No" sourceRef="g_mtg_decide" targetRef="t_mtg_decline" />
    <bpmn2:sequenceFlow id="fmtg10" sourceRef="t_mtg_offer" targetRef="ev_mtg_wait" />
    <bpmn2:sequenceFlow id="fmtg11" sourceRef="ev_mtg_wait" targetRef="t_mtg_release" />
    <bpmn2:sequenceFlow id="fmtg12" sourceRef="t_mtg_release" targetRef="end_mtg_done" />
    <bpmn2:sequenceFlow id="fmtg13" sourceRef="t_mtg_decline" targetRef="end_mtg_declined" />
  </bpmn2:process>
  <bpmndi:BPMNDiagram id="BPMNDiagram_1">
    <bpmndi:BPMNPlane id="BPMNPlane_1" bpmnElement="Collaboration_1">
      <bpmndi:BPMNShape id="pool_mtg_di" bpmnElement="pool_mtg" isHorizontal="true">
        <dc:Bounds x="20" y="20" width="1570" height="630" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="lane_mtg_adviser_di" bpmnElement="lane_mtg_adviser" isHorizontal="true">
        <dc:Bounds x="50" y="20" width="1540" height="240" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="lane_mtg_val_di" bpmnElement="lane_mtg_val" isHorizontal="true">
        <dc:Bounds x="50" y="260" width="1540" height="130" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="lane_mtg_uw_di" bpmnElement="lane_mtg_uw" isHorizontal="true">
        <dc:Bounds x="50" y="390" width="1540" height="130" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="lane_mtg_comp_di" bpmnElement="lane_mtg_comp" isHorizontal="true">
        <dc:Bounds x="50" y="520" width="1540" height="130" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="start_mtg_di" bpmnElement="start_mtg">
        <dc:Bounds x="112" y="59" width="36" height="36" />
        <bpmndi:BPMNLabel><dc:Bounds x="77" y="101" width="107" height="14" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="t_mtg_pack_di" bpmnElement="t_mtg_pack">
        <dc:Bounds x="230" y="37" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="g_mtg_split_di" bpmnElement="g_mtg_split">
        <dc:Bounds x="405" y="52" width="50" height="50" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="t_mtg_value_di" bpmnElement="t_mtg_value">
        <dc:Bounds x="530" y="277" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="t_mtg_afford_di" bpmnElement="t_mtg_afford">
        <dc:Bounds x="530" y="407" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="g_mtg_join_di" bpmnElement="g_mtg_join">
        <dc:Bounds x="705" y="422" width="50" height="50" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="g_mtg_decide_di" bpmnElement="g_mtg_decide">
        <dc:Bounds x="855" y="422" width="50" height="50" />
        <bpmndi:BPMNLabel><dc:Bounds x="828" y="402" width="104" height="14" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="t_mtg_offer_di" bpmnElement="t_mtg_offer">
        <dc:Bounds x="980" y="37" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="ev_mtg_wait_di" bpmnElement="ev_mtg_wait">
        <dc:Bounds x="1162" y="559" width="36" height="36" />
        <bpmndi:BPMNLabel><dc:Bounds x="1124" y="601" width="112" height="14" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="t_mtg_release_di" bpmnElement="t_mtg_release">
        <dc:Bounds x="1280" y="537" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="end_mtg_done_di" bpmnElement="end_mtg_done">
        <dc:Bounds x="1462" y="559" width="36" height="36" />
        <bpmndi:BPMNLabel><dc:Bounds x="1441" y="601" width="78" height="14" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="t_mtg_decline_di" bpmnElement="t_mtg_decline">
        <dc:Bounds x="980" y="147" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="end_mtg_declined_di" bpmnElement="end_mtg_declined">
        <dc:Bounds x="1162" y="169" width="36" height="36" />
        <bpmndi:BPMNLabel><dc:Bounds x="1130" y="211" width="100" height="14" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNEdge id="fmtg1_di" bpmnElement="fmtg1">
        <di:waypoint x="148" y="77" />
        <di:waypoint x="230" y="77" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fmtg2_di" bpmnElement="fmtg2">
        <di:waypoint x="330" y="77" />
        <di:waypoint x="405" y="77" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fmtg3_di" bpmnElement="fmtg3">
        <di:waypoint x="455" y="77" />
        <di:waypoint x="510" y="77" />
        <di:waypoint x="510" y="317" />
        <di:waypoint x="530" y="317" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fmtg4_di" bpmnElement="fmtg4">
        <di:waypoint x="455" y="77" />
        <di:waypoint x="510" y="77" />
        <di:waypoint x="510" y="447" />
        <di:waypoint x="530" y="447" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fmtg5_di" bpmnElement="fmtg5">
        <di:waypoint x="630" y="317" />
        <di:waypoint x="660" y="317" />
        <di:waypoint x="660" y="447" />
        <di:waypoint x="705" y="447" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fmtg6_di" bpmnElement="fmtg6">
        <di:waypoint x="630" y="447" />
        <di:waypoint x="705" y="447" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fmtg7_di" bpmnElement="fmtg7">
        <di:waypoint x="755" y="447" />
        <di:waypoint x="855" y="447" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fmtg8_di" bpmnElement="fmtg8">
        <di:waypoint x="905" y="447" />
        <di:waypoint x="960" y="447" />
        <di:waypoint x="960" y="77" />
        <di:waypoint x="980" y="77" />
        <bpmndi:BPMNLabel><dc:Bounds x="911" y="427" width="21" height="14" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fmtg9_di" bpmnElement="fmtg9">
        <di:waypoint x="905" y="447" />
        <di:waypoint x="960" y="447" />
        <di:waypoint x="960" y="187" />
        <di:waypoint x="980" y="187" />
        <bpmndi:BPMNLabel><dc:Bounds x="911" y="453" width="17" height="14" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fmtg10_di" bpmnElement="fmtg10">
        <di:waypoint x="1080" y="77" />
        <di:waypoint x="1110" y="77" />
        <di:waypoint x="1110" y="577" />
        <di:waypoint x="1162" y="577" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fmtg11_di" bpmnElement="fmtg11">
        <di:waypoint x="1198" y="577" />
        <di:waypoint x="1280" y="577" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fmtg12_di" bpmnElement="fmtg12">
        <di:waypoint x="1380" y="577" />
        <di:waypoint x="1462" y="577" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fmtg13_di" bpmnElement="fmtg13">
        <di:waypoint x="1080" y="187" />
        <di:waypoint x="1162" y="187" />
      </bpmndi:BPMNEdge>
    </bpmndi:BPMNPlane>
  </bpmndi:BPMNDiagram>
</bpmn2:definitions>