income_to_employer_alert
Borrower income consistent for stated employer based on comparison to other loans and validated incomes
| Output | Description |
|---|---|
| 0 | Borrower stated income falls within the expected range of incomes for the borrower stated employer |
| 1 | Borrower stated income exceeds the expected range of incomes for the borrower stated employer |
income_to_prior_reported_alert
Borrower has not provided a significantly different income to another lender in last 365 days
| Output | Description |
|---|---|
| 0 | The borrower submitted no applications to a lender in the last 120 days with a stated income 15% lower than the stated income on this application |
| 1 | The borrower submitted 1 application to a lender in the last 120 days with a stated income 15% lower than the stated income on this application |
| 2 | The borrower submitted 2 applications to a lender in the last 120 days with a stated income 15% lower than the stated income on this application |
| n | Where n represents any positive integer greater than 2. The borrower submitted n number of applications applications to a lender in the last 120 days with a stated income 15% lower than the stated income on this application |
income_to_location_alert
Borrower income consistent based on comparison to other incomes reported in the same zip code
| Output | Description |
|---|---|
| 0 | Borrower stated income falls within the expected range of incomes for the borrower's zip code |
| 1 | Borrower stated income exceeds the expected range of incomes for the borrower's zip code |
income_to_occupation_alert
Borrower income consistent for stated occupation based on comparison to other loans and validated incomes
| Output | Description |
|---|---|
| 0 | Borrower stated income falls within the expected range of incomes for the borrower's stated occupation |
| 1 | Borrower stated income exceeds the expected range of incomes for the borrower's stated occupation |
income_to_profile_alert
Borrower's income is consistent based on income and borrower profile
| Output | Description |
|---|---|
| 0 | Borrower stated income falls within the expected range of incomes for the borrower's profile |
| 1 | Borrower stated income exceeds the expected range of incomes for the borrower's profile |
income_to_occupation_in_city_state_alert
Income is consistent based on occupation, city and state
| Output | Description |
|---|---|
| 0 | Borrower stated income falls within the expected range of incomes for the borrower stated occupation narrowed to their geographic area |
| 1 | Borrower stated income exceeds the expected range of incomes for the borrower stated occupation narrowed to their geographic area |
common_employer_alert
Borrower's employer is a common employer that has appeared in many applications before
| Output | Description |
|---|---|
| 0 | Borrower stated employer has commonly appeared in many applications across many applicants and lenders before |
| 1 | Borrower stated employer has appeared only rarely or not at all in applications across many applicants and lenders |
employer_consistency_alert
Borrower's employer has not deviated in last 60 days in applications to other lenders
| Output | Description |
|---|---|
| 0 | Borrower stated employer has NOT deviated in applications to any lender in the last 60 days |
| 1 | Borrower stated employer HAS deviated from an application to a lender in the last 60 days |