fix: deduplicate reputation lookup in loan creation

[EmeditWeb]

Problem

In loans.service.ts (lines 110, 644), getReputationScore() is called in both createLoan() and runCreditAssessment(), resulting in 2 API calls for the same data.

What To Build

1. Pass reputation score from credit assessment to createLoan
2. Or cache the result within the request scope
3. Measure and verify the reduction

Files To Touch

• src/modules/loans/loans.service.ts — lines 110, 644 deduplicate

Acceptance Criteria

• Single reputation fetch per loan creation
• Build passes

Mandatory Checks

• context/ files read
• npm run build passes
• PR references this issue