| low_reason_list |
|---|
| 'Borrower income at low risk of income inflation based on IncomePass score |
| Borrower stated income patterns are consistent with other valid incomes in historical data |
| Borrower stated income is consistent with other similar borrowers |
| Borrower stated income may loan is at lower risk of income inflation and lower risk of potential default |
| Borrower stated income exhibits patterns of lower risk based on occupation, employer and zip code |
| medium_reason_list |
|---|
| Borrower's income score is at moderate risk of income inflation, can proceed with caution |
| Borrower's stated income has passed high-risk income check, but borrower is at moderate risk of inflation |
| Borrower's income may exhibit patterns of moderate-income inflation risk |
| Borrower's income at moderate risk based on occupation, employer, zip code or comparison to historical norms |
| Borrower's income may be at moderate risk for overstatement based on multiple patterns of risk identified by score |
| high_reason_list |
|---|
| Borrower's stated income is a higher risk and should be validated through additional checks |
| Borrower's income may be at risk for overstatement based on multiple patterns of risk identified by score |
| Borrower income high risk based on occupation, employer, zip code or comparison to historical norms |
| Borrower income may put loan at greater risk of default based on comparison to historical norms |