Nullpointer exception while multiple users reading from XML DOM object

Question

We are getting a null pointer exception when we are trying to read from a Static XML DOM object . We are getting the exception in weblogic 7.1 very rarely but started getting the exception in weblogic 9.2 more frequently. When multiple users are trying to access the Static variable we are getting null pointer exception. I think it is a memory related issue. Making the whole method synchronized is resolving the issue. But that is not the right thing to do. Can any one know what might be the issue here?
I am giving the code and the XML. I have tried to give the latest Xerces parser from the Apache site but got the same exception. Please help me in this regard.
The XML is also provided below along with the code.
package com.test;
import java.beans.BeanInfo;
import java.beans.Introspector;
import java.util.ArrayList;
import javax.xml.parsers.DocumentBuilder;
import javax.xml.parsers.DocumentBuilderFactory;
//import org.apache.xml.serialize.XMLSerializer;
import org.w3c.dom.Document;
import org.w3c.dom.Node;
import org.w3c.dom.NodeList;
public class ObjectPersistanceXMLParser {
     public static volatile Document configXML;
     * @param objectName
     * @param attributeName
     * @return
     * @throws Throwable
     public static ArrayList getData(String objectName,String attributeName) throws Exception
          Node ndDoc = getXMLDoc();
          Node ndRoot = ndDoc.getFirstChild();
          NodeList ndFirstList = ndRoot.getChildNodes();
          BeanInfo bi = Introspector.getBeanInfo(ndFirstList.getClass());
          System.out.println("****** "+bi.getBeanDescriptor().getBeanClass().getName());
          System.out.println("This is the number of child nodes present:"+ndFirstList.getLength()+":::"+ndFirstList.item(0).getNodeValue());
          ArrayList returnResult = null;
          String strReturnResult = null;
          for(int i=0;i<ndFirstList.getLength();i++)
               if(ndFirstList.item(i).getNodeName().equals("ObjectDBMapping"))
                    NodeList ndObjectList = ndFirstList.item(i).getChildNodes();
                    for(int j=0;j<ndObjectList.getLength();j++)
                         if(ndObjectList.item(j).getNodeName().equals("Object"))
                              if(ndObjectList.item(j).getAttributes().getNamedItem("NAME").getNodeValue().equalsIgnoreCase(objectName))
                                   NodeList ndFieldList = ndObjectList.item(j).getChildNodes();
                                   for(int k=0;k<ndFieldList.getLength();k++)
                                        if(ndFieldList.item(k).getNodeName().equals("field"))
                                             if(ndFieldList.item(k).getAttributes().getNamedItem("NAME").getNodeValue().equalsIgnoreCase(attributeName))
                                                  returnResult = new ArrayList();
                                                  returnResult.add(ndFieldList.item(k).getAttributes().getNamedItem("SOURCE_TABLE").getNodeValue());
                                                  returnResult.add(ndFieldList.item(k).getAttributes().getNamedItem("SOURCE_COLUMN").getNodeValue());
                                                  returnResult.add(ndFieldList.item(k).getAttributes().getNamedItem("TYPE").getNodeValue());
                                                  returnResult.add(ndFieldList.item(k).getAttributes().getNamedItem("PERSIST").getNodeValue());
                                                  returnResult.add(ndFieldList.item(k).getAttributes().getNamedItem("DEFAULT_VALUE").getNodeValue());
                                                  returnResult.add(ndFieldList.item(k).getAttributes().getNamedItem("PRIMARY_KEY").getNodeValue());
                                                  returnResult.add(ndFieldList.item(k).getAttributes().getNamedItem("VERSIONABLE").getNodeValue());
                                                  returnResult.add(ndFieldList.item(k).getAttributes().getNamedItem("PRECISION").getNodeValue());
                                                  returnResult.add(ndFieldList.item(k).getAttributes().getNamedItem("FOREIGN_KEY").getNodeValue());
                                                  returnResult.add(ndFieldList.item(k).getAttributes().getNamedItem("PARENT_TABLE").getNodeValue());
                                                  returnResult.add(ndFieldList.item(k).getAttributes().getNamedItem("PARENT_COLUMN").getNodeValue());
                                                  returnResult.add(ndFieldList.item(k).getAttributes().getNamedItem("LEVEL").getNodeValue());
                                                  //return returnResult;
          if(strReturnResult == null){
               System.out.println("This is the current state of dom: ");
               //printDom((Document)ndDoc);
               if(!attributeName.trim().equalsIgnoreCase("class") &&
                    !attributeName.trim().equalsIgnoreCase("operationFlag")&&
                    !attributeName.trim().equalsIgnoreCase("primaryKeyColumnName")&&
                    !attributeName.trim().equalsIgnoreCase("tableName"))               
                    System.out.println("No DB Mapping found for Object "+objectName+" and attribute "+attributeName);
          return returnResult;
     * @param objectName
     * @param tableName
     * @return
     * @throws Throwable
     public static int getMaxFields(String objectName,String tableName) throws Throwable
          Node ndDoc = getXMLDoc();
          Node ndRoot = ndDoc.getFirstChild();
          NodeList ndFirstList = ndRoot.getChildNodes();
          int returnResult = 0;
          for(int i=0;i<ndFirstList.getLength();i++)
               if(ndFirstList.item(i).getNodeName().equals("ObjectDBMapping"))
                    NodeList ndObjectList = ndFirstList.item(i).getChildNodes();
                    for(int j=0;j<ndObjectList.getLength();j++)
                         if(ndObjectList.item(j).getNodeName().equals("Object"))
                              if(ndObjectList.item(j).getAttributes().getNamedItem("NAME").getNodeValue().equalsIgnoreCase(objectName))
                                   NodeList ndFieldList = ndObjectList.item(j).getChildNodes();
                                   for(int k=0;k<ndFieldList.getLength();k++)
                                        if(ndFieldList.item(k).getNodeName().equals("field"))
                                             if(ndFieldList.item(k).getAttributes().getNamedItem("SOURCE_TABLE").getNodeValue().equalsIgnoreCase(tableName) &&
                                                       ndFieldList.item(k).getAttributes().getNamedItem("PERSIST").getNodeValue().equalsIgnoreCase("Y"))
                                                  returnResult++;
          return returnResult;
     /*This method returns a Document Object of the ObjectConfig.xml file. This method is separated
     * out from the calling method to keep an option OPEN in case it is later decided to read XML
     * from memory instead of physical location.*/
     public static Document getXMLDoc() throws Exception
          if(configXML == null)
               synchronized (ObjectPersistanceXMLParser.class)
                    if(configXML == null)
                         if(System.getProperty("OBJECT-CONFIG-XML") == null){
                              System.out.println("System Property OBJECT-CONFIG-XML not found");
                         String filePath = System.getProperty("OBJECT-CONFIG-XML");
                         System.out.println("Reading CONFIG Xml from file - "+filePath);
                         DocumentBuilderFactory docBuilderFactory = DocumentBuilderFactory.newInstance();
                         BeanInfo bi = Introspector.getBeanInfo(docBuilderFactory.getClass());
                         System.out.println("****** "+bi.getBeanDescriptor().getBeanClass().getName());
                         try
                    DocumentBuilder docBuilder = docBuilderFactory.newDocumentBuilder();
                    configXML = docBuilder.parse(filePath);
               }catch(Throwable t)
                    int errorCode = 111;
                    String errorMsg = "Problem in parsing OBJECT-CONFIG-XML file";
                    System.out.println(errorMsg);
          else
               System.out.println("Config XML Loaded from memory.....new");
return configXML;
     public static void main(String args[]) throws Throwable
     /*public synchronized static void printDom(Document doc){
          XMLSerializer ser = new XMLSerializer(System.out, null);
          try {
               ser.serialize(doc);
          } catch (Throwable e) {
               e.printStackTrace();
          System.out.flush();
<?xml version="1.0"?><root>
     <ObjectDBMapping>
          <Object NAME="com.los.common.entity.LoanTask">
               <field NAME="loanTaskId" SOURCE_TABLE="UW_LOAN_TASKS"
                    SOURCE_COLUMN="LOAN_TASK_ID" TYPE="NUMBER" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="Y"
                    VERSIONABLE="Y" FOREIGN_KEY="N" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="taskId" SOURCE_TABLE="UW_LOAN_TASKS"
                    SOURCE_COLUMN="TASK_ID" TYPE="NUMBER" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="Y" PARENT_TABLE="UWM_TASK_MASTER" PARENT_COLUMN="TASK_ID">
               </field>
               <field NAME="taskName" SOURCE_TABLE="UW_LOAN_TASKS"
                    SOURCE_COLUMN="TASK_NAME" TYPE="VARCHAR2" LENGTH="100"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="taskStatus" SOURCE_TABLE="UW_LOAN_TASKS"
                    SOURCE_COLUMN="TASK_STATUS" TYPE="VARCHAR2" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="taskCreationDate" SOURCE_TABLE="UW_LOAN_TASKS"
                    SOURCE_COLUMN="TASK_CREATION_DATE" TYPE="DATE" LENGTH=""
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="taskClosureDate" SOURCE_TABLE="UW_LOAN_TASKS"
                    SOURCE_COLUMN="TASK_CLOSURE_DATE" TYPE="DATE" LENGTH=""
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="taskClosedBy" SOURCE_TABLE="UW_LOAN_TASKS"
                    SOURCE_COLUMN="TASK_CLOSED_BY" TYPE="VARCHAR2" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="updatedDate" SOURCE_TABLE="UW_LOAN_TASKS"
                    SOURCE_COLUMN="UPDATED_DATE" TYPE="DATE" LENGTH=""
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="updatedBy" SOURCE_TABLE="UW_LOAN_TASKS"
                    SOURCE_COLUMN="UPDATED_BY" TYPE="VARCHAR2" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="createdDate" SOURCE_TABLE="UW_LOAN_TASKS"
                    SOURCE_COLUMN="CREATED_DATE" TYPE="DATE" LENGTH=""
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="createdBy" SOURCE_TABLE="UW_LOAN_TASKS"
                    SOURCE_COLUMN="CREATED_BY" TYPE="VARCHAR2" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
          </Object>
          <Object NAME="com.los.common.entity.LOSUnderwritingRules">
               <field NAME="undwRunRuleId" SOURCE_TABLE="UW_UNDERWRITING_RULES"
                    SOURCE_COLUMN="UNDW_RUN_RULE_ID" TYPE="NUMBER" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="Y"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="underwritingRunNo" SOURCE_TABLE="UW_UNDERWRITING_RULES"
                    SOURCE_COLUMN="UNDERWRITING_RUN_NO" TYPE="NUMBER" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="underwritingRunId" SOURCE_TABLE="UW_UNDERWRITING_RULES"
                    SOURCE_COLUMN="UNDERWRITING_RUN_ID" TYPE="NUMBER" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="ruleGroup" SOURCE_TABLE="UW_UNDERWRITING_RULES"
                    SOURCE_COLUMN="RULE_GROUP" TYPE="VARCHAR2" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="ruleName" SOURCE_TABLE="UW_UNDERWRITING_RULES"
                    SOURCE_COLUMN="RULE_NAME" TYPE="VARCHAR2" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="messageCode" SOURCE_TABLE="UW_UNDERWRITING_RULES"
                    SOURCE_COLUMN="MESSAGE_CODE" TYPE="VARCHAR2" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="messageText" SOURCE_TABLE="UW_UNDERWRITING_RULES"
                    SOURCE_COLUMN="MESSAGE_TEXT" TYPE="VARCHAR2" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="passFail" SOURCE_TABLE="UW_UNDERWRITING_RULES"
                    SOURCE_COLUMN="PASS_FAIL" TYPE="VARCHAR2" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="overrideAuthorityLevel" SOURCE_TABLE="UW_UNDERWRITING_RULES"
                    SOURCE_COLUMN="OVERRIDE_AUTHORITY_LEVEL" TYPE="VARCHAR2" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="overrideYN" SOURCE_TABLE="UW_UNDERWRITING_RULES"
                    SOURCE_COLUMN="OVERRIDE_Y_N" TYPE="VARCHAR2" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="overrideBy" SOURCE_TABLE="UW_UNDERWRITING_RULES"
                    SOURCE_COLUMN="OVERRIDE_BY" TYPE="VARCHAR2" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="overrideOn" SOURCE_TABLE="UW_UNDERWRITING_RULES"
                    SOURCE_COLUMN="OVERRIDE_ON" TYPE="DATE" LENGTH=""
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="createdBy" SOURCE_TABLE="UW_UNDERWRITING_RULES"
                    SOURCE_COLUMN="CREATED_BY" TYPE="VARCHAR2" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="updatedBy" SOURCE_TABLE="UW_UNDERWRITING_RULES"
                    SOURCE_COLUMN="UPDATED_BY" TYPE="VARCHAR2" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="createdDate" SOURCE_TABLE="UW_UNDERWRITING_RULES"
                    SOURCE_COLUMN="CREATED_DATE" TYPE="DATE" LENGTH=""
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="updatedDate" SOURCE_TABLE="UW_UNDERWRITING_RULES"
                    SOURCE_COLUMN="UPDATED_DATE" TYPE="DATE" LENGTH=""
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="processName" SOURCE_TABLE="UW_UNDERWRITING_RULES"
                    SOURCE_COLUMN="PROCESS_NAME" TYPE="VARCHAR2" LENGTH="100"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="overrideReason" SOURCE_TABLE="UW_UNDERWRITING_RULES"
                    SOURCE_COLUMN="OVERRIDE_REASON" TYPE="VARCHAR2" LENGTH="1000"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="messageModule" SOURCE_TABLE="UW_UNDERWRITING_RULES"
                    SOURCE_COLUMN="MESSAGE_MODULE" TYPE="VARCHAR2" LENGTH="30"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
          </Object>
          <Object NAME="com.los.common.entity.Applicant">
               <field NAME="applicantId" SOURCE_TABLE="UW_APPLICANT_MASTER"
                    SOURCE_COLUMN="APPLICANT_ID" TYPE="NUMBER" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="Y"
                    VERSIONABLE="N" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
          <field NAME="registrationNumber" SOURCE_TABLE="UW_APPLICANT_MASTER"
                    SOURCE_COLUMN="REGISTRATION_NUMBER" TYPE="NUMBER" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="N" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="cifNumber" SOURCE_TABLE="UW_APPLICANT_MASTER"
                    SOURCE_COLUMN="CIF_NUMBER" TYPE="NUMBER" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="N" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
                    </field>
          <field NAME="customerStatus" SOURCE_TABLE="UW_APPLICANT_MASTER"
                    SOURCE_COLUMN="CUSTOMER_STATUS" TYPE="VARCHAR2" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="N" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
          <field NAME="customerType" SOURCE_TABLE="UW_APPLICANT_MASTER"
                    SOURCE_COLUMN="CUSTOMER_TYPE" TYPE="VARCHAR2" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="N" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
          <field NAME="applicantLastName" SOURCE_TABLE="UW_APPLICANT_DETAILS"
                    SOURCE_COLUMN="APPLICANT_LAST_NAME" TYPE="VARCHAR2" LENGTH="100"
                    PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
          <field NAME="applicantFirstName" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="APPLICANT_FIRST_NAME" TYPE="VARCHAR2" LENGTH="100"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="applicantMiddleName" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="APPLICANT_MIDDLE_NAME" TYPE="VARCHAR2" LENGTH="100"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="applicantNameSuffix" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="APPLICANT_NAME_SUFFIX" TYPE="VARCHAR2" LENGTH="20"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="nationality" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="NATIONALITY" TYPE="VARCHAR2" LENGTH="100"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="age" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="AGE" TYPE="NUMBER" LENGTH="5"
               PRECISION="2" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="dateOfBirth" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="DATE_OF_BIRTH" TYPE="DATE" LENGTH=""
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="identificationType1" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="IDENTIFICATION_TYPE1" TYPE="VARCHAR2" LENGTH="20"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="identificationType2" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="IDENTIFICATION_TYPE2" TYPE="VARCHAR2" LENGTH="20"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="identificationType" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="IDENTIFICATION_TYPE" TYPE="VARCHAR2" LENGTH="20"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="identificationNumber1" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="IDENTIFICATION_NUMBER1" TYPE="VARCHAR2" LENGTH="100"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="identificationNumber2" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="IDENTIFICATION_NUMBER2" TYPE="VARCHAR2" LENGTH="100"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="identificationNumber" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="IDENTIFICATION_NUMBER" TYPE="VARCHAR2" LENGTH="100"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="guarantorIndicator" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="GUARANTOR_INDICATOR" TYPE="VARCHAR2" LENGTH="50"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="separateCobDisclosureRequir" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="SEPARATE_COB_DISCLOSURE_REQUIR" TYPE="VARCHAR2" LENGTH="20"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="domesticRisk" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="DOMESTIC_RISK" TYPE="VARCHAR2" LENGTH="20"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="crossBorderRisk" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="CROSS_BORDER_RISK" TYPE="VARCHAR2" LENGTH="20"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="title" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="TITLE" TYPE="VARCHAR2" LENGTH="20"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="previousSurname" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="PREVIOUS_SURNAME" TYPE="VARCHAR2" LENGTH="50"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="legalName" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="LEGAL_NAME" TYPE="VARCHAR2" LENGTH="200"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="preferredName" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="PREFERRED_NAME" TYPE="VARCHAR2" LENGTH="50"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="gender" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="GENDER" TYPE="VARCHAR2" LENGTH="20"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="seniorCitizenStatus" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="SENIOR_CITIZEN_STATUS" TYPE="VARCHAR2" LENGTH="20"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="staffIndicator" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="STAFF_INDICATOR" TYPE="VARCHAR2" LENGTH="20"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="warVeteranIndicator" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="WAR_VETERAN_INDICATOR" TYPE="VARCHAR2" LENGTH="20"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="noOfDependants" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="NO_OF_DEPENDANTS" TYPE="NUMBER" LENGTH="20"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="maritalStatus" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="MARITAL_STATUS" TYPE="VARCHAR2" LENGTH="20"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="educationStatus" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="EDUCATION_STATUS" TYPE="VARCHAR2" LENGTH="20"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="detApplicantId" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="APPLICANT_ID" TYPE="NUMBER" LENGTH="20"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="Y" PARENT_TABLE="UW_APPLICANT_MASTER" PARENT_COLUMN="APPLICANT_ID">
          </field>
          <field NAME="detApplicantDetailId" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="APPLICANT_DETAIL_ID" TYPE="NUMBER" LENGTH="20"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="Y"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="usResidentIndicator" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="US_RESIDENT_INDICATOR" TYPE="VARCHAR2" LENGTH="1"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="employeeNumber" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="EMPLOYEE_NUMBER" TYPE="VARCHAR2" LENGTH="20"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          <field NAME="isdefaulter" SOURCE_TABLE="UW_APPLICANT_DETAILS"
               SOURCE_COLUMN="ISDEFAULTER" TYPE="VARCHAR2" LENGTH="20"
               PRECISION="" PERSIST="Y" LEVEL="2" DEFAULT_VALUE="" PRIMARY_KEY="N"
               VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
          </field>
          </Object>
          <Object NAME="com.los.common.entity.ApplicantContact">
               <field NAME="applicantId" SOURCE_TABLE="UW_APPLICANT_CONTACT_INFO"
                    SOURCE_COLUMN="APPLICANT_ID" TYPE="NUMBER" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="Y" PARENT_TABLE="UW_APPLICANT_MASTER" PARENT_COLUMN="APPLICANT_ID">
               </field>
               <field NAME="contactId" SOURCE_TABLE="UW_APPLICANT_CONTACT_INFO"
                    SOURCE_COLUMN="CONTACT_ID" TYPE="NUMBER" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="Y"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="addressType" SOURCE_TABLE="UW_APPLICANT_CONTACT_INFO"
                    SOURCE_COLUMN="ADDRESS_TYPE" TYPE="VARCHAR2" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="applicantAddressLine1" SOURCE_TABLE="UW_APPLICANT_CONTACT_INFO"
                    SOURCE_COLUMN="APPLICANT_ADDRESS_LINE_1" TYPE="VARCHAR2" LENGTH="100"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="applicantAddressLine2" SOURCE_TABLE="UW_APPLICANT_CONTACT_INFO"
                    SOURCE_COLUMN="APPLICANT_ADDRESS_LINE_2" TYPE="VARCHAR2" LENGTH="100"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="applicantAddressLine3" SOURCE_TABLE="UW_APPLICANT_CONTACT_INFO"
                    SOURCE_COLUMN="APPLICANT_ADDRESS_LINE_3" TYPE="VARCHAR2" LENGTH="100"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="applicantAddressLine4" SOURCE_TABLE="UW_APPLICANT_CONTACT_INFO"
                    SOURCE_COLUMN="APPLICANT_ADDRESS_LINE_4" TYPE="VARCHAR2" LENGTH="100"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="residingSince" SOURCE_TABLE="UW_APPLICANT_CONTACT_INFO"
                    SOURCE_COLUMN="RESIDING_SINCE" TYPE="DATE" LENGTH=""
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="residentialStatus" SOURCE_TABLE="UW_APPLICANT_CONTACT_INFO"
                    SOURCE_COLUMN="RESIDENTIAL_STATUS" TYPE="VARCHAR2" LENGTH="20"
                    PRECISION="" PERSIST="Y" LEVEL="1" DEFAULT_VALUE="" PRIMARY_KEY="N"
                    VERSIONABLE="Y" FOREIGN_KEY="" PARENT_TABLE="" PARENT_COLUMN="">
               </field>
               <field NAME="applicantEMa

Answer 1

Could you please provide the stack trace?