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Zeeshaun
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using FluentValidation;
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using Landmark.OLA.Models.Assets;
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using Landmark.OLA.Models.HomeMortgageDisclosureAct.Validators;
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using Landmark.OLA.Models.Individuals.Validators;
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using Landmark.OLA.Models.Loan.Enums;
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namespace Landmark.OLA.Models.Loan.Validators
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{
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public class LoanApplicationValidator : AbstractValidator<LoanApplication>
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{
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public LoanApplicationValidator()
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{
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RuleFor(x => x.PrimaryBorrower).SetValidator(new ApplicantValidator());
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//when primary is married and in a state requiring spouse information
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When(x =>
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(x.PrimaryBorrower.IsMarried ?? false) &&
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(x.PrimaryBorrower.Address?.State.HasValue ?? false) &&
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ValidationConstants.StatesRequiringSpouseInformation.Contains(x.PrimaryBorrower.Address.State.Value),
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() =>
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{
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//Primary must have spouse data if not married to coapplicant
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RuleFor(x => x.PrimaryBorrower.HasAnyNonApplicantSpouse()).Equal(true)
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.Unless(x => x.CoApplicant?.IsMarriedToPrimaryBorrower ?? false)
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.WithMessage("PrimaryBorrower must include spouse information due to marriage in a community property state.");
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});
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//when coapp is married and in a state requiring spouse information
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When(x =>
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(x.CoApplicant?.IsMarried ?? false) &&
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(x.CoApplicant?.Address?.State.HasValue ?? false) &&
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ValidationConstants.StatesRequiringSpouseInformation.Contains(x.CoApplicant.Address.State.Value),
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() =>
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{
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//coapp must have spouse data if not married to coapplicant
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RuleFor(x => x.CoApplicant.HasAnyNonApplicantSpouse()).Equal(true)
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.Unless(x => x.CoApplicant?.IsMarriedToPrimaryBorrower ?? false)
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.WithMessage("CoApplicant must include spouse information due to marriage in a community property state.");
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});
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Unless(x => x.CoApplicant is null, () =>
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{
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RuleFor(x => x.CoApplicant).SetValidator(new ApplicantValidator());
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When(x => x.CoApplicant.IsMarriedToPrimaryBorrower, () =>
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{
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//If the two applicants are married there should be no other spouse information
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RuleFor(x => x.PrimaryBorrower.NonApplicantSpouse).Null();
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RuleFor(x => x.PrimaryBorrower.DetailedNonApplicantSpouse).Null();
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RuleFor(x => x.CoApplicant.NonApplicantSpouse).Null();
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RuleFor(x => x.CoApplicant.DetailedNonApplicantSpouse).Null();
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});
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});
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When(x => (x.PrimaryBorrower?.IsMarried ?? false) == false, () =>
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{
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RuleFor(x => x.PrimaryBorrower.HasAnyNonApplicantSpouse()).Equal(false)
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.WithMessage("PrimaryBorrower is set as not married but includes spouse information.");
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});
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When(x => IsHmdaLoan(x.LoanType), () =>
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{
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RuleFor(x => x.PrimaryBorrower.HmdaValues).SetValidator(new HmdaValidator());
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RuleFor(x => x.CoApplicant.HmdaValues).SetValidator(new HmdaValidator())
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.Unless(x => x.CoApplicant is null);
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});
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When(x => IsVehicleRequired(x.LoanType), () =>
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{
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RuleFor(x => x.Vehicle).NotNull();
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RuleFor(x => x).SetValidator(new VehicleValidator());
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});
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When(x => IsRealEstateRequired(x.LoanType), () =>
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{
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RuleFor(x => x.RealEstate).NotNull();
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});
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When(x => IsTermRequired(x.LoanType), () =>
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{
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RuleFor(x => x.TermLengthInMonths).NotNull();
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RuleFor(x => x.TermLengthInMonths).Must((x, termLength) => IsValidTermLength(x) == true)
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.WithMessage("TermLengthInMonths is not set to a valid value for this loan type.");
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});
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RuleFor(x => x.Purpose).Must((x, purpose) => LoanPurpose.IsValidPurposeForType(x.LoanType, purpose));
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Unless(x => x.LoanType.Value == LoanType.CC_CashBack || x.LoanType.Value == LoanType.CC_Rewards || x.LoanType.Value == LoanType.CC_Secure
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|| x.LoanType.Value == LoanType.CC_Student, () => {
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RuleFor(x => x.RequestedAmount).Must((x, requestedAmount) => LoanLimits.IsValidAmountForType(x.LoanType.Value, requestedAmount.Value))
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.WithMessage("The requested loan amount is outside the limits for this product type.");
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});
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//They actually can, but for now that means something went wrong on the frontend.
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//To allow vehicle details on preapprovals, simply remove this validation and everything should likely work.
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RuleFor(x => x.Vehicle).Null().When(x => x.LoanType == LoanType.V_VehiclePreapproval)
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.WithMessage("Vehicle PreApproval loans cannot include vehicle details");
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When(x => IsClientMessageRequired(x.LoanType), () =>
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{
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RuleFor(x => x.ClientMessage).NotNull();
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RuleFor(x => x.ClientMessage.Trim()).Must((x, clientMessage) => clientMessage.Length >= 5)
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.WithMessage("Applications for this type of loan must include a client message");
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});
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}
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private bool IsValidTermLength(LoanApplication loanApplication)
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{
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if ((!loanApplication.LoanType.HasValue) || (!loanApplication.TermLengthInMonths.HasValue))
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return false;
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List<int> validTermLengths = this.GetValidTermLengthsForLoanType(loanApplication);
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return validTermLengths.Contains(loanApplication.TermLengthInMonths.Value);
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}
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private List<int> GetValidTermLengthsForLoanType(LoanApplication loanApplication)
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{
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return loanApplication.LoanType.Value switch
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{
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LoanType.EQ_Mtg_Refi_Express => TermLengths.MortgageRefiExpress,
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LoanType.EQ_Home_Equity_Fixed => TermLengths.HomeEquity,
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LoanType.V_VehiclePreapproval => TermLengths.VehiclePreApproval,
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LoanType.V_Vehicle => GetVehicleTermList(loanApplication.Vehicle),
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LoanType.EQ_Mfg_Home_With_or_Without_Land or LoanType.T_TrailerMotorhome => GetMfdHomeAndRvTermList(loanApplication.RequestedAmount.Value),
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LoanType.M_Boat => GetBoatTermList(loanApplication.RequestedAmount.Value),
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LoanType.P_Powersport => GetPowersportTermList(loanApplication.Vehicle.InitialEstimatedValue.Value),
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LoanType.S_Signature => GetSignatureTermList(loanApplication.RequestedAmount.Value),
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LoanType.S_Special => GetSpecialTermList(loanApplication.RequestedAmount.Value),
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LoanType.CC_CashBack => [],
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LoanType.CC_Rewards => [],
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LoanType.CC_Student => [],
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LoanType.CC_Secure => [],
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LoanType.EQ_HELOC_Flex => [],
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_ => [],
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};
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}
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private static List<int> GetSignatureTermList(decimal loanAmount)
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{
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var applicableKeys = TermLengths.SignatureByAmount.Keys.Where(x => loanAmount >= x);
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var allowedTerms = new List<int>();
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foreach (var key in applicableKeys)
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{
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allowedTerms.AddRange(TermLengths.SignatureByAmount[key]);
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}
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return allowedTerms;
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}
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private static List<int> GetSpecialTermList(decimal loanAmount)
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{
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var allowedTerms = new List<int>
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{
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36
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};
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return allowedTerms;
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}
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private static List<int> GetMfdHomeAndRvTermList(decimal loanAmount)
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{
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var availableTermLengths = new List<int>();
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foreach (var amount in TermLengths.MfdHomeAndRvByAmount.Keys)
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{
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if (loanAmount >= amount)
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{
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availableTermLengths.AddRange(TermLengths.MfdHomeAndRvByAmount[amount]);
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}
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}
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return availableTermLengths;
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}
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public static List<int> GetVehicleTermList(Vehicle vehicle)
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{
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if ((vehicle is null) || (!vehicle.Condition.HasValue) || (!vehicle.Year.HasValue))
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return [];
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var yearList = TermLengths.TermsByYear;
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int lookupYear = vehicle.Year.Value;
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if (yearList.TryGetValue(lookupYear, out List<int> value))
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{
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return value;
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}
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else if (lookupYear >= yearList.First().Key)
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{
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return yearList.First().Value;
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}
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else
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{
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return yearList.Last().Value;
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}
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}
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private static List<int> GetBoatTermList(decimal loanAmount)
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{
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var applicableKeys = TermLengths.BoatLoansByAmount.Keys.Where(x => loanAmount >= x);
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var allowedTerms = new List<int>();
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foreach (var key in applicableKeys)
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{
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allowedTerms.AddRange(TermLengths.BoatLoansByAmount[key]);
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}
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return allowedTerms;
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}
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private static List<int> GetPowersportTermList(decimal loanAmount)
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{
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var applicableKeys = TermLengths.PowersportByAmount.Keys.Where(x => loanAmount >= x);
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var allowedTerms = new List<int>();
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foreach (var key in applicableKeys)
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{
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allowedTerms.AddRange(TermLengths.PowersportByAmount[key]);
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}
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return allowedTerms;
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}
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public static bool IsTermRequired(LoanType? loanType)
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{
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if (!loanType.HasValue)
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{
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return false;
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}
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return !ValidationConstants.LoansNotRequiringTerm.Contains(loanType.Value);
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}
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private static bool IsVehicleRequired(LoanType? loanType)
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{
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if (!loanType.HasValue)
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{
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return false;
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}
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return ValidationConstants.LoansRequiringVehicle.Contains(loanType.Value);
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}
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private static bool IsRealEstateRequired(LoanType? loanType)
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{
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if (!loanType.HasValue)
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{
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return false;
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}
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return ValidationConstants.LoansRequiringRealEstate.Contains(loanType.Value);
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}
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private static bool IsHmdaLoan(LoanType? loanType)
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{
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if (!loanType.HasValue)
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{
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return false;
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}
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return ValidationConstants.HmdaLoans.Contains(loanType.Value);
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}
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private static bool IsClientMessageRequired(LoanType? loanType)
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{
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if (!loanType.HasValue)
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{
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return false;
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}
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return loanType.Value == LoanType.S_Special;
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}
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}
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}
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