New Application Intake - Credit & Underwriting

Decision Filters

Policy & Pricing Routing

Origination Channel

Product Family

Score Band

LTV Range

Pricing Tier

Prime Policy • 24h SLA Avg APR 6.2% 80% Doc Completion Straight-through Eligible

Underwriting Intelligence

Portfolio Signals

Approval Probability

78%

Model v5.4 • last scored 2 min ago

Debt-to-Income

31%

Policy max 40%

Collateral Coverage

112%

Appraised vs. loan amount

Fraud Screening

Low Risk

Device trusted • 0 alerts

Rule Trigger	Severity	Owner	Evidence	Disposition
Income Verification	Medium	Marcus Chen	Payroll feed • 2 paystubs	Accepted
Recent Credit Inquiry	Low	Alina Patel	Soft pull • 8/15	Monitor
LTV Exception	High	Risk Desk	Appraisal variance 7%	Escalate

Application Overview

Application Identifiers

Application ID

Loan Product

Origination Channel

Priority Flag

Borrower Profile

Primary Applicant

Full Name

SSN / Tax ID

Phone

Email

Current Address

Residency Status

Co-Applicant

Financial Snapshot

Income & Obligations

Monthly Gross Income

Monthly Debt

Debt-to-Income Ratio

Liquid Assets

Monthly Housing Expense

Employment Type

Income Verification Notes

Credit Analysis

Scorecards & Signals

FICO Score

VantageScore

Open Trade Lines

Recent Inquiries (90d)

Delinquencies (24m)

Revolving Utilization

Bureau Summary

Loan Structure

Requested Terms

Requested Amount

Term Length

Pricing Rate

Loan-to-Value

Collateral

Down Payment

Structure Notes

Decisioning Workflow

Underwriting Decision

Decision Status

Conditions

Policy Owner

Pricing Tier

Decision Notes

Documentation Review

Supporting Files

ID Verification

Income Proof

Insurance Binder

Collateral Appraisal

Final Submission

Submission Summary

Reviewer

Quality Check

Next Step

Decision ETA