Skittles
Hello there,
I reviewed the requirements brief and must inform you that I did almost a similar project called 'Instant Decisioning' during my work with AmEx Merchant Financing Business. That was for merchant lending business and I reviewed your form and looks like it is for Residential Lending business. This system used to automatically decide (based on rules) whether the loan application could be accepted/rejected/sent for manual review. You may see this in action on their merchant financing portal.
Since space here is very limited, I will give you an overview of how this could be done. Please drop a message to me to discuss the details. So, your form is already built in PHP so it makes most sense to create the scripts again in PHP to store the data in database. Now, say for example the customer fills the form and hits Submit, we could run the data through a 'rules engine' similar to your spreadsheet and immediately let them know (or send email also) if their application was accepted/rejected/sent for manual review.
Based on my work on the ID project, I can assure you that I know exactly how this database/portal needs to be created and can assure you of excellent quality work. I am a GARP certified FRM and have a team that works on building custom portals for client requirements. Besides that I have a strong track record of delivery here on Freelancer.
Please drop a message if you would like to discuss my proposal in detail.
Thanks and Regards,
Rishi