Temenos Lifecycle Management Suite - Origination Product Guide
Underwriting Review
| End-User Guide > Application Processing > Underwriting > Underwriting Review |
If an application is not automatically approved or declined by the rules engine, a manual decision must be applied to the application. Within Underwriting Review, users such as underwriters and loan officers are able to review an application and render a decision.
 |
Institutions may also use underwriting review to spot check applications that were decisioned with rules. |
This topic includes an overview on how to navigate to the Underwriting Review screen as well as the information included in underwriting review.
The Underwriting Review screen may be located in the Workflow and/or the Screens List in the Application Navigator.
The Underwriting Review screen may be assigned to the Workflow Underwriting category. Upon navigating to the underwriting review screen, users are able to review an application to assess creditworthiness.
|
If multiple screens are assigned to a Workflow’s Underwriting stage, users are able to navigate to the screens by clicking  and  . |
When users reach the final screen assigned to the Workflow’s Underwriting stage, they are able to click 
, 
to manually decision the application.
|
While the  button appears within the top of the Underwriting screen in an account application, the functionality is not available; therefore, the button is disabled. |
|
For more information on the manual decision process, refer to the Decision Processing section. |
The Underwriting Review Screen may also appear within the Screens List in the Application Navigator. Upon selecting the underwriting review screen, users are able to review an application to assess creditworthiness.
If users complete underwriting review from the screen list, , , and do not appear. Decisions are rendered by clicking one of the aforementioned buttons within the Application Toolbar.
While processing the underwriting review of an application, users are able to review the following information to assess creditworthiness:
In addition to reviewing applicant/application data, underwriting review may provide users the ability to review and issue Fees, Stipulations, Counteroffers, To-Dos, and cross-sells.
Depending on the configuration of the user-defined application screens, this underwriting review information can be collected in one screen or across multiple screens and panels. Refer to the Screens section of the Administrator Guide for more information on configuring underwriting review screens and panels.
|
The images and processes listed below may not reflect your institution’s underwriting review screen. Refer to the following processes for example purposes only. |
Depending on the configuration of the underwriting review screen, a panel may be configured to display relevant application and results information that allows users to view a summary of the current status of the application at a glance.
Depending on the configuration of the underwriting review screen, users may be able to view an itemized breakdown of loan terms and the factors that lead to the Final Loan Amount. This panel displays the calculations and values that factor into the loan amounts.
For more information on the Loan Terms Breakdown panel, refer to the Loan Terms Breakdown topic.
Depending on the configuration of the underwriting review screen, a panel may be assigned to display aggregated applicant and application values, such as Net Worth Pre-Loan, Net Worth Post-Loan, Number of Collaterals, Number of Expenses, Number of Trades, and Total Income.
| Aggregate Name | Rule Entity Level and Name | Calculation |
|
Disposable Income Per Dependant Postloan |
Applicant Entity Disposable_Income_Per_Dependant_Postloan_Applicant |
If Applicant’s Dependent Count = 0 Then 0 Else (the Applicant's total of Adjusted Monthly Income where Income Type <> Previous or Additional income) - (Application Monthly Payment Amount + (the Applicant's total of Adjusted Monthly Payments * (Percentage Responsible/100) where Liabilities Is Expense is true)) / Applicant's Dependent Count) |
|
Application Entity Disposable_Income_Per_Dependant_Postloan_Application |
If the total of Dependent Count for all Applicants = 0 Then 0 Else (the Application's total of Adjusted Monthly Income where Income Type <> Previous or Additional income and IncludeInApplicationAggregates is true) - (Application Monthly Payment Amount + (the Application's total of Adjusted Monthly Payments where Liabilities Is Expense is true and IncludeInApplicationAggregates is true)) / the total Dependent Count for all Applicants) |
|
|
Disposable Income Per Dependant Preloan |
Applicant Entity Disposable_Income_Per_Dependant_Preloan_Applicant |
If Applicant’s Dependent Count = 0 Then 0 Else (the Applicant's total of Adjusted Monthly Income where Income Type <> Previous or Additional income) - (the Applicant's total of Adjusted Monthly Payments * (Percentage Responsible/100) where Liabilities Is Expense is true) / Applicant's Dependent Count) |
|
Application Entity Disposable_Income_Per_Dependant_Preloan_Application |
If the total of Dependent Count for all Applicants = 0 Then 0 Else (the Application's total of Adjusted Monthly Income where Income Type <> Previous or Additional income and IncludeInApplicationAggregates is true) - (the Application's total of Adjusted Monthly Payments where Liabilities Is Expense is true and IncludeInApplicationAggregates is true)) |
|
|
Disposable Income Postloan |
Applicant Entity Disposable_Income_Postloan_Applicant |
(the Applicant's total of Adjusted Monthly Income where Income Type <> Previous or Additional income) - (Application's Monthly Payment Amount + (the Applicant's total of Adjusted Monthly Payments * (Percentage Responsible/100) where Liabilities Is Expense is true)) / Applicant's Dependent Count) |
|
Application Entity Disposable_Income_Postloan_Application |
(the Application's total of Adjusted Monthly Income where Income Type <> Previous or Additional income and IncludeInApplicationAggregates is true) - (Application's Monthly Payment Amount + (the Application's total of Adjusted Monthly Payments where Liabilities Is Expense is true and IncludeInApplicationAggregates is true)) | |
|
Disposable Income Preloan |
Applicant Entity Disposable_Income_Preloan_Applicant |
(the Applicant's total of Adjusted Monthly Income where Income Type <> Previous or Additional income) - (the Applicant's total of Adjusted Monthly Payments * (Percentage Responsible/100) where Liabilities Is Expense is true) |
|
Application Entity Disposable_Income_Preloan_Application |
(the Application's total of Adjusted Monthly Income where Income Type <> Previous or Additional income and IncludeInApplicationAggregates is true) - (the Application's total of Adjusted Monthly Payments where Liabilities Is Expense is true and IncludeInApplicationAggregates is true)) | |
| Loan Payment to Income |
Applicant Entity Loan_Payment_To_Income_Applicant |
If The aggregate “Total Income” for the applicant is equal to 0 Then (Set the ratio “Loan Payment To Income” for the applicant to 0) Else (Set the aggregate “Loan Payment To Income” for the applicant to ((Application MonthlyPaymentAmount plus Application LoanRealEstate TotMnthlyPaymentAmt) divided by the aggregate “Total Income” for the applicant)
|
|
|
Application Entity Loan_Payment_To_Income_Application |
If The aggregate “Total Income” for the application is equal to 0 Then (Set the aggregate “Loan Payment To Income” for the application to 0) Else (Set the aggregate “Loan Payment To Income” for the application to ((MonthlyPaymentAmount plus LoanRealEstate TotMnthlyPaymentAmt) divided by the aggregate “Total Income” for the application) |
|
Net Worth Postloan |
Applicant Entity Net_Worth_Postloan_Applicant |
(the Applicant's total of Adjusted Balance in Assets) - (Application's Initial Loan Amount + (the Applicant's total of Adjusted Balance * (Percentage Responsible/100) where LiabilitiesTrade Closed Type = Not Closed)) |
|
Application Entity Net_Worth_Postloan_Application |
(the Application total of Adjusted Balance in Assets) - (Application Initial Loan Amount + (the Application total of Adjusted Balance where LiabilitiesTrade Closed Type = Not Closed)) | |
|
Net Worth Preloan |
Applicant Entity Net_Worth_Preloan_Applicant |
(the Applicant's total of Adjusted Balance in Assets) - (the Applicant's total of Adjusted Balance * (Percentage Responsible/100) where LiabilitiesTrade Closed Type = Not Closed)) |
|
Application Entity Net_Worth_Preloan_Application |
(the Application total of Adjusted Balance in Assets) - (the Application total of Adjusted Balance where LiabilitiesTrade Closed Type = Not Closed) | |
|
Number Collateral |
Application Entity Number_Collateral_Application |
(the number of Collaterals on the Application) |
|
Number Expenses |
Applicant Entity Number_Expenses_Applicant |
(the Applicant's number of Liabilities where IsExpense is true) |
|
Application Entity Number_Expenses_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and IsExpense is true) | |
|
Number Expenses Balloon |
Applicant Entity Number_Expenses_Balloon_Applicant |
(the Applicant's number of Liabilities where IsExpense is true and (Balloon Amount is not Null and <> 0)) |
|
Application Entity Number_Expenses_Balloon_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and (Balloon Amount is not Null and <> 0)) | |
|
Number Expenses Balloon FI |
Applicant Entity Number_Expenses_Balloon_FI_Applicant |
(the Applicant's number of Liabilities where IsExpense is true and IsFromHost is true and (Balloon Amount is not Null and <> 0)) |
|
Application Entity Number_Expenses_Balloon_FI_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and IsFromHost is true and (Balloon Amount is not Null and <> 0)) | |
|
Number Expenses FI |
Applicant Entity Number_Expenses_FI_Applicant |
(the Applicant's number of Liabilities where IsExpense is true and IsFromHost is true) |
|
Application Entity Number_Expenses_FI_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and IsFromHost is true) | |
|
Number Expenses Installment |
Applicant Entity Number_Expenses_Installment_Applicant |
(the Applicant's number of Liabilities where IsExpense is true and (Account Type has a value of Installment, Mortgage, or Open/30 Day)) |
|
Application Entity Number_Expenses_Installment_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and (Account Type has a value of Installment, Mortgage or Open/30 Day )) | |
|
Number Expenses Installment FI |
Applicant Entity Number_Expenses_Installment_FI_Applicant |
(the Applicant's number of Liabilities where IsExpense is true and IsFromHost is true and (Account Type has a value of Installment, Mortgage, or Open/30 Day)) |
|
Application Entity Number_Expenses_Installment_FI_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and IsFromHost is true and (Account Type has a value of Installment, Mortgage or Open/30 Day )) | |
|
Number Expenses Revolving |
Applicant Entity Number_Expenses_Revolving_Applicant |
(the Applicant's number of Liabilities where IsExpense is true and (Account Type has a value of Credit Line, or Revolving)) |
|
Application Entity Number_Expenses_Revolving_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and (Account Type has a value of Credit Line, or Revolving)) | |
|
Number Expenses Revolving FI |
Applicant Entity Number_Expenses_Revolving_FI_Applicant |
(the Applicant's number of Liabilities where IsExpense is true and IsFromHost is true and (Account Type has a value of Credit Line, or Revolving)) |
|
Application Entity Number_Expenses_Revolving_FI_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and IsFromHost is true and (Account Type has a value of Credit Line, or Revolving)) | |
|
Number Expenses Secured |
Applicant Entity Number_Expenses_Secured_Applicant |
(the Applicant's number of Liabilities where IsExpense is true and IsSecured is true) |
|
Application Entity Number_Expenses_Secured_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and IsSecured is true) | |
|
Number Expenses Secured FI |
Applicant Entity Number_Expenses_Secured_FI_Applicant |
(the Applicant's number of Liabilities where IsExpense is true IsFromHost is true and IsSecured is true) |
|
Application Entity Number_Expenses_Secured_FI_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and IsExpense is true IsFromHost is true and IsSecured is true) | |
|
Number Expenses Unsecured |
Applicant Entity Number_Expenses_Unsecured_Applicant |
(the Applicant's number of Liabilities where IsExpense is true and IsSecured is false) |
|
Application Entity Number_Expenses_Unsecured_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and IsSecured is false) | |
|
Number Expenses Unsecured FI |
Applicant Entity Number_Expenses_Unsecured_FI_Applicant |
(the Applicant's number of Liabilities where IsExpense is true IsFromHost is true and IsSecured is false) |
|
Application Entity Number_Expenses_Unsecured_FI_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and IsExpense is true IsFromHost is true and IsSecured is false) | |
|
Number Trades |
Applicant Entity Number_Trades_Applicant |
(the Applicant's number of Liabilities) |
|
Application Entity Number_Trades_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true) | |
|
Number Trades Balloon |
Applicant Entity Number_Trades_Balloon_Applicant |
(the Applicant's number of Liabilities where (Balloon Amount is not Null and <> 0)) |
|
Application Entity Number_Trades_Balloon_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and (Balloon Amount is not Null and <> 0)) | |
|
Number Trades Balloon Closed |
Applicant Entity Number_Trades_Balloon_Closed_Applicant |
(the Applicant's number of Liabilities where (Balloon Amount is not Null and <> 0) and Trade Closed Type does not have a value of Not Closed) |
|
Application Entity Number_Trades_Balloon_Closed_Application |
(the Application's number of Liabilities where (Balloon Amount is not Null and <> 0) and IncludeInApplicationAggregates is true and TradeClosed Type does not have a value of Not Closed) | |
|
Number Trades Balloon Open |
Applicant Entity Number_Trades_Balloon_Open_Applicant |
(the Applicant's number of Liabilities where (Balloon Amount is not Null and <> 0) and Trade Closed Type has a value of Not Closed) |
|
Application Entity Number_Trades_Balloon_Open_Application |
(the Application's number of Liabilities where (Balloon Amount is not Null and <> 0) and IncludeInApplicationAggregates is true and TradeClosed Type has a value of Not Closed) | |
|
Number Trades Closed |
Applicant Entity Number_Trades_Closed_Applicant |
(the Applicant's number of Liabilities where Trade Closed Type does not have a value of Not Closed) |
|
Application Entity Number_Trades_Closed_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and TradeClosed Type does not have a value of Not Closed) | |
|
Number Trades Credit Cards |
Applicant Entity Number_Trades_Credit_Cards_Applicant |
(the Applicant's number of Liabilities where (Trade Category has a value of Credit Card, Department Store, or Miscellaneous Retail)) |
|
Application Entity Number_Trades_Credit_Cards_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and (Trade Category has a value of Credit Card, Department Store, or Miscellaneous Retail)) | |
|
Number Trades Credit Cards Closed |
Applicant Entity Number_Trades_Credit_Cards_Closed_Applicant |
(the Applicant's number of Liabilities where (Trade Category has a value of Credit Card, Department Store, or Miscellaneous Retail) and Trade Closed Type does not have a value of Not Closed) |
|
Application Entity Number_Trades_Credit_Cards_Closed_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type does not have a value of Not Closed and (Trade Category has a value of Credit Card, Department Store, or Miscellaneous Retail)) | |
|
Number Trades Credit Cards Open |
Applicant Entity Number_Trades_Credit_Cards_Open_Applicant |
(the Applicant's number of Liabilities where (Trade Category has a value of Credit Card, Department Store, or Miscellaneous Retail) and Trade Closed Type has a value of Not Closed) |
|
Application Entity Number_Trades_Credit_Cards_Open_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and (Trade Category has a value of Credit Card, Department Store, or Miscellaneous Retail)) | |
|
Number Trades Education Open |
Applicant Entity Number_Trades_Education_Open_Applicant |
(the Applicant's number of Liabilities where (Trade Category has a value of Education (Student Loans)) and Trade Closed Type has a value of Not Closed) |
|
Application Entity Number_Trades_Education_Open_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and (Trade Category has a value of Education (Student Loans))) | |
|
Number Trades Installment |
Applicant Entity Number_Trades_Installment_Applicant |
(the Applicant's number of Liabilities where (Account Type has a value of Installment, Mortgage, or Open/30 Day)) |
|
Application Entity Number_Trades_Installment_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and (Account Type has a value of Installment, Mortgage, or Open/30 Day)) | |
|
Number Trades Installment Closed |
Applicant Entity Number_Trades_Installment_Closed_Applicant |
(the Applicant's number of Liabilities where (Account Type has a value of Installment, Mortgage, or Open/30 Day) and Trade Closed Type does not have a value of Not Closed) |
|
Application Entity Number_Trades_Installment_Closed_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and (Account Type has a value of Installment, Mortgage, or Open/30 Day) and TradeClosedType does not have a value of Not Closed) | |
|
Number Trades Installment Open |
Applicant Entity Number_Trades_Installment_Open_Applicant |
(the Applicant's number of Liabilities where (Account Type has a value of Installment, Mortgage, or Open/30 Day) and Trade Closed Type has a value of Not Closed) |
|
Application Entity Number_Trades_Installment_Open_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and (Account Type has a value of Installment, Mortgage, or Open/30 Day) and TradeClosedType has a value of Not Closed) | |
|
Number Trades Medical Open |
Applicant Entity Number_Trades_Medical_Open_Applicant |
(the Applicant's number of Liabilities where Trade Category has a value of Medical and Trade Closed Type has a value of Not Closed) |
|
Application Entity Number_Trades_Medical_Open_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and TradeClosedType has a value of Not Closed and Trade Category has a value of Medical) | |
|
Number Trades Open |
Applicant Entity Number_Trades_Open_Applicant |
(the Applicant's number of Liabilities where Trade Closed Type has a value of Not Closed) |
|
Application Entity Number_Trades_Open_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and TradeClosedType has a value of Not Closed) | |
|
Number Trades Real Estate |
Applicant Entity Number_Trades_Real_Estate_Applicant |
(the Applicant's number of Liabilities where Trade Category has a value of Real Estate) |
|
Application Entity Number_Trades_Real_Estate_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and Trade Category has a value of Real Estate) | |
|
Number Trades Real Estate Closed |
Applicant Entity Number_Trades_Real_Estate_Closed_Applicant |
(the Applicant's number of Liabilities where Trade Category has a value of Real Estate and Trade Closed Type does not have a value of Not Closed) |
|
Application Entity Number_Trades_Real_Estate_Closed_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type does not have a values of Not Closed and Trade Category has a value of Real Estate) | |
|
Number Trades Real Estate Open |
Applicant Entity Number_Trades_Real_Estate_Open_Applicant |
(the Applicant's number of Liabilities where Trade Category has a value of Real Estate and Trade Closed Type has a value of Not Closed) |
|
Application Entity Number_Trades_Real_Estate_Open_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a values of Not Closed and Trade Category has a value of Real Estate) | |
|
Number Trades Revolving |
Applicant Entity Number_Trades_Revolving_Applicant |
(the Applicant's number of Liabilities where (Account Type has a value of Credit Line, or Revolving)) |
|
Application Entity Number_Trades_Revolving_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and (Account Type has a value of Credit Line, or Revolving)) | |
|
Number Trades Revolving Closed |
Applicant Entity Number_Trades_Revolving_Closed_Applicant |
(the Applicant's number of Liabilities where (Account Type has a value of Credit Line, or Revolving) and Trade Closed Type does not have a value of Not Closed) |
|
Application Entity Number_Trades_Revolving_Closed_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and (Account Type has a value of Credit Line, or Revolving) and Trade Closed Type does not have a values of Not Closed) | |
|
Number Trades Revolving Open |
Applicant Entity Number_Trades_Revolving_Open_Applicant |
(the Applicant's number of Liabilities where (Account Type has a value of Credit Line, or Revolving) and Trade Closed Type has a value of Not Closed) |
|
Application Entity Number_Trades_Revolving_Open_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and (Account Type has a value of Credit Line, or Revolving) and Trade Closed Type has a values of Not Closed) | |
|
Number Trades Secured |
Applicant Entity Number_Trades_Secured_Applicant |
(the Applicant's number of Liabilities where IsSecured is true) |
|
Application Entity Number_Trades_Secured_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and IsSecured is true) | |
|
Number Trades Secured Closed |
Applicant Entity Number_Trades_Secured_Closed_Applicant |
(the Applicant's number of Liabilities where IsSecured is true and TradeClosedType does not have a value of Not Closed) |
|
Application Entity Number_Trades_Secured_Closed_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and IsSecured is true and TradeClosedType does not have a value of Not Closed) | |
|
Number Trades Secured Open |
Applicant Entity Number_Trades_Secured_Open_Applicant |
(the Applicant's number of Liabilities where IsSecured is true and TradeClosedType has a value of Not Closed) |
|
Application Entity Number_Trades_Secured_Open_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and IsSecured is true and TradeClosedType has a value of Not Closed) | |
|
Number Trades Unsecured |
Applicant Entity Number_Trades_Unsecured_Applicant |
(the Applicant's number of Liabilities where IsSecured is false) |
|
Application Entity Number_Trades_Unsecured_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and IsSecured is false) | |
|
Number Trades Unsecured Closed |
Applicant Entity Number_Trades_Unsecured_Closed_Applicant |
(the Applicant's number of Liabilities where IsSecured is false and TradeClosedType does not have a value of Not Closed) |
|
Application Entity Number_Trades_Unsecured_Closed_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and IsSecured is false and TradeClosedType does not have a value of Not Closed) | |
|
Number Trades Unsecured Open |
Applicant Entity Number_Trades_Unsecured_Open_Applicant |
(the Applicant's number of Liabilities where IsSecured is false and TradeClosedType has a value of Not Closed) |
|
Application Entity Number_Trades_Unsecured_Open_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and IsSecured is false and TradeClosedType has a value of Not Closed) | |
|
Number Trades Vehicle |
Applicant Entity Number_Trades_Vehicle_Applicant |
(the Applicant's number of Liabilities where (Trade Category has a value of Automobile, Boat/Yacht, or Recreational Vehicle)) |
|
Application Entity Number_Trades_Vehicle_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and (Trade Category has a value of Automobile, Boat/Yacht, or Recreational Vehicle)) | |
|
Number Trades Vehicle Closed |
Applicant Entity Number_Trades_Vehicle_Closed_Applicant |
(the Applicant's number of Liabilities where (Trade Category has a value of Automobile, Boat/Yacht, or Recreational Vehicle) and Trade Closed Type does not have a value of Not Closed) |
|
Application Entity Number_Trades_Vehicle_Closed_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and (Trade Category has a value of Automobile, Boat/Yacht, or Recreational Vehicle) and Trade Closed Type does not have a value of Not Closed) | |
|
Number Trades Vehicle Open |
Applicant Entity Number_Trades_Vehicle_Open_Applicant |
(the Applicant's number of Liabilities where (Trade Category has a value of Automobile, Boat/Yacht, or Recreational Vehicle) and Trade Closed Type has a value of Not Closed) |
|
Application Entity Number_Trades_Vehicle_Open_Application |
(the Application's number of Liabilities where IncludeInApplicationAggregates is true and (Trade Category has a value of Automobile, Boat/Yacht,or Recreational Vehicle) and Trade Closed Type has a value of Not Closed) | |
|
Total Annual Income |
Applicant Entity Total_Annual_Income_Applicant |
(the Applicant's total of (Adjusted Monthly Income where Income Type does not have a value of Previous Income) *12) |
|
Application Entity Total_Annual_Income_Application |
(the Application's total of (Adjusted Monthly Income where Income Type does not have a value of Previous Income and IncludeInApplicationAggregates is true) *12) | |
|
Total Assets Available Balance |
Applicant Entity Total_Assets_Available_Balance_Applicant |
(the Applicant's total of Available Balance in Assets) |
|
Application Entity Total_Assets_Available_Balance_Application |
(the Application's total of Available Balance in Assets where IncludeInApplicationAggregates is true) | |
|
Total Assets Available Balance FI |
Applicant Entity Total_Assets_Available_Balance_FI_Applicant |
(the Applicant's total of Available Balance in Assets where IsFromHost is true) |
|
Application Entity Total_Assets_Available_Balance_FI_Application |
(the Application's total of Available Balance in Assets where IncludeInApplicationAggregates is true and IfFromHost is true) | |
|
Total Assets Available Balance Adj |
Applicant Entity Total_Assets_Available_Balance_Adj_Applicant |
(the Applicant's total of Adjusted Available Balance in Assets) |
|
Application Entity Total_Assets_Available_Balance_Adj_Application |
(the Application's total of Adjusted Available Balance in Assets where IncludeInApplicationAggregates is true) | |
|
Total Assets Available Balance Adj FI |
Applicant Entity Total_Assets_Available_Balance_Adj_FI_Applicant |
(the Applicant's total of Adjusted Available Balance in Assets where IsFromHost is true) |
|
Application Entity Total_Assets_Available_Balance_Adj_FI_Application |
(the Application's total of Adjusted Available Balance in Assets where IsFrom Host is true and IncludeInApplicationAggregates is true) | |
|
Total Assets Available Balance Adj FI Accounts |
Applicant Entity Total_Assets_Available_Balance_Adj_FI_Accounts_Applicant |
(the Applicant's total of Adjusted Available Balance in Assets where IsFromHost is true and (Asset Type has a value of Certificate, Checking, IRA, Money Market, or Saving)) |
|
Application Entity Total_Assets_Available_Balance_Adj_FI_Accounts_Application |
(the Application's total of Adjusted Available Balance in Assets where IsFrom Host is true and (Asset Type has a value of Certificate, Checking, IRA, Money Market, or Saving)and IncludeInApplicationAggregates is true) | |
|
Total Assets Available Balance Adj Life Insurance |
Applicant Entity Total_Assets_Available_Balance_Adj_Life_Insurance_Applicant |
(the Applicant's total of Adjusted Available Balance in Assets where Asset Type has a value of Life Insurance) |
|
Application Entity Total_Assets_Available_Balance_Adj_Life_Insurance_Application |
(the Application's total of Adjusted Available Balance in Assets where Asset Type has a value of Life Insurance and IncludeInApplicationAggregates is true) | |
|
Total Assets Available Balance Adj Other |
Applicant Entity Total_Assets_Available_Balance_Adj_Other_Applicant |
(the Applicant's total of Adjusted Available Balance in Assets where Asset Type has a value of Other) |
|
Application Entity Total_Assets_Available_Balance_Adj_Other_Application |
(the Application's total of Adjusted Available Balance in Assets where Asset Type has a value of Other and IncludeInApplicationAggregates is true) | |
|
Total Assets Available Balance Adj Other FI Accounts |
Applicant Entity Total_Assets_Available_Balance_Adj_Other_FI_Accounts_Applicant |
(the Applicant's total of Adjusted Available Balance in Assets where IsFromHost is false and (Asset Type has a value of Certificate, Checking, IRA, Money Market, or Saving)) |
|
Application Entity Total_Assets_Available_Balance_Adj_Other_FI_Accounts_Application |
(the Application's total of Adjusted Available Balance in Assets where IsFromHost is false and (Asset Type has a value of Certificate, Checking, IRA, Money Market, or Saving) and IncludeInApplicationAggregates is true) | |
|
Total Assets Available Balance Adj RE |
Applicant Entity Total_Assets_Available_Balance_Adj_Real_Estate_Applicant |
(the Applicant's total of Adjusted Available Balance in Assets where Asset Type has a value of Real Estate) |
|
Application Entity Total_Assets_Available_Balance_Adj_Real_Estate_Application |
(the Application's total of Adjusted Available Balance in Assets where Asset Type has a value of Other and IncludeInApplicationAggregates is true) | |
|
Total Assets Available Balance Adj Retirement |
Applicant Entity Total_Assets_Available_Balance_Adj_Retirement_Applicant |
(the Applicant's total of Adjusted Available Balance in Assets where Asset Type has a value of Retirement Accounts (401K, 403B, Pension)) |
|
Application Entity Total_Assets_Available_Balance_Adj_Retirement_Application |
(the Application's total of Adjusted Available Balance in Assets where Asset Type has a value of Retirement Accounts (401K, 403B, Pension) and IncludeInApplicationAggregates is true) | |
|
Total Assets Available Balance Adj Securities |
Applicant Entity Total_Assets_Available_Balance_Adj_Securities_Applicant |
(the Applicant's total of Adjusted Available Balance in Assets where Asset Type has a value of Securities (Stocks and Bonds)) |
|
Application Entity Total_Assets_Available_Balance_Adj_Securities_Application |
(the Application's total of Adjusted Available Balance in Assets where Asset Type has a value of Securities (Stocks and Bonds) and IncludeInApplicationAggregates is true) | |
|
Total Assets Available Balance Adj Vehicle |
Applicant Entity Total_Assets_Available_Balance_Adj_Vehicle_Applicant |
(the Applicant's total of Adjusted Available Balance in Assets where Asset Type has a value of Vehicle) |
|
Application Entity Total_Assets_Available_Balance_Adj_Vehicle_Application |
(the Application's total of Adjusted Available Balance in Assets where Asset Type has a value of Vehicle and IncludeInApplicationAggregates is true) | |
|
Total Assets Balance |
Applicant Entity Total_Assets_Balance_Applicant |
(the Applicant's total of Balance in Assets) |
|
Application Entity Total_Assets_Balance_Application |
(the Application's total of Balance in Assets where IncludeInApplicationAggregates is true) | |
|
Total Assets Balance FI |
Applicant Entity Total_Assets_Balance_FI_Applicant |
(the Applicant's total of Balance in Assets where IsFromHost is true) |
|
Application Entity Total_Assets_Balance_FI_Application |
(the Application's total of Balance in Assets where IsFromHost is true and IncludeInApplicationAggregates is true) | |
|
Total Assets Balance Adj |
Applicant Entity Total_Assets_Balance_Adj_Applicant |
(the Applicant's total of Adjusted Balance in Assets) |
|
Application Entity Total_Assets_Balance_Adj_Application |
(the Application's total of Adjusted Balance in Assets where IncludeInApplicationAggregates is true) | |
|
Total Assets Balance Adj FI |
Applicant Entity Total_Assets_Balance_Adj_FI_Applicant |
(the Applicant's total of Adjusted Balance in Assets where IsFromHost is true) |
|
Application Entity Total_Assets_Balance_Adj_FI_Application |
(the Application's total of Adjusted Balance in Assets where IsFromHost is true and IncludeInApplicationAggregates is true) | |
|
Total Assets Balance Adj FI Accounts |
Applicant Entity Total_Assets_Balance_Adj_FI_Accounts_Applicant |
(the Applicant's total of Adjusted Balance in Assets where IsFromHost is true and (Asset Type has a value of Certificate, Checking, IRA, Money Market, or Saving)) |
|
Application Entity Total_Assets_Balance_Adj_FI_Accounts_Application |
(the Application's total of Adjusted Balance in Assets where IsFromHost is true and (Asset Type has a value of Certificate, Checking, IRA, Money Market, or Saving) and IncludeInApplicationAggregates is true) | |
|
Total Assets Balance Adj Life Insurance |
Applicant Entity Total_Assets_Balance_Adj_Life_Insurance_Applicant |
(the Applicant's total of Adjusted Balance in Assets where Asset Type has a value of Life Insurance) |
|
Application Entity Total_Assets_Balance_Adj_Life_Insurance_Application |
(the Application's total of Adjusted Balance in Assets where Asset Type has a value of Life Insurance and IncludeInApplicationAggregates is true) | |
|
Total Assets Balance Adj Other |
Applicant Entity Total_Assets_Balance_Adj_Other_Applicant |
(the Applicant's total of Adjusted Balance in Assets where Asset Type has a value of Other) |
|
Application Entity Total_Assets_Balance_Adj_Other_Application |
(the Application's total of Adjusted Balance in Assets where Asset Type has a value of Other and IncludeInApplicationAggregates is true) | |
|
Total Assets Balance Adj Other FI Accounts |
Applicant Entity Total_Assets_Balance_Adj_Other_FI_Accounts_Applicant |
(the Applicant's total of Adjusted Balance in Assets where IsFromHost is false and (Asset Type has a value of Certificate, Checking, IRA, Money Market, or Saving)) |
|
Application Entity Total_Assets_Balance_Adj_Other_FI_Accounts_Application |
(the Application's total of Adjusted Balance in Assets where IsFromHost is false and (Asset Type has a value of Certificate, Checking, IRA, Money Market, or Saving) and IncludeInApplicationAggregates is true | |
|
Total Assets Balance Adj RE |
Applicant Entity Total_Assets_Balance_Adj_Real_Estate_Applicant |
(the Applicant's total of Adjusted Balance in Assets where Asset Type has a value of Real Estate) |
|
Application Entity Total_Assets_Balance_Adj_Real_Estate_Application |
(the Application's total of Adjusted Balance in Assets where Asset Type has a value of Real Estate and IncludeInApplicationAggregates is true) | |
|
Total Assets Balance Adj Retirement |
Applicant Entity Total_Assets_Balance_Adj_Retirement_Applicant |
(the Applicant's total of Adjusted Balance in Assets where Asset Type has a value of Retirement (401K, 403B, Pension)) |
|
Application Entity Total_Assets_Balance_Adj_Retirement_Application |
(the Application's total of Adjusted Balance in Assets where Asset Type has a value of Retirement (401K, 403B, Pension) and IncludeInApplicationAggregates is true) | |
|
Total Assets Balance Adj Securities |
Applicant Entity Total_Assets_Balance_Adj_Securities_Applicant |
(the Applicant's total of Adjusted Balance in Assets where Asset Type has a value of Securities (Stocks and Bonds)) |
|
Application Entity Total_Assets_Balance_Adj_Securities_Application |
(the Application's total of Adjusted Balance in Assets where Asset Type has a value of Securities (Stocks and Bonds) and IncludeInApplicationAggregates is true) | |
|
Total Assets Balance Adj Vehicle |
Applicant Entity Total_Assets_Balance_Adj_Vehicle_Applicant |
(the Applicant's total of Adjusted Balance in Assets where Asset Type has a value of Vehicle) |
|
Application Entity Total_Assets_Balance_Adj_Vehicle_Application |
(the Application's total of Adjusted Balance in Assets where Asset Type has a value of Vehicle and IncludeInApplicationAggregates is true) | |
|
Total Assets Hold Amount |
Applicant Entity Total_Assets_Hold_Amount_Applicant |
(the Applicant's total of Hold Amount in Assets) |
|
Application Entity Total_Assets_Hold_Amount_Application |
(the Application's total of Hold Amount in Assets where IncludeInApplicationAggregates is true) | |
|
Total Assets Hold Amount FI |
Applicant Entity Total_Assets_Hold_Amount_FI_Applicant |
(the Applicant's total of Hold Amount in Assets where IsFromHost is true) |
|
Application Entity Total_Assets_Hold_Amount_FI_Application |
(the Application's total of Hold Amount in Assets where IsFromHost is true and IncludeInApplicationAggregates is true) | |
|
Total Assets Market Value |
Applicant Entity Total_Assets_Market_Value_Applicant |
(the Applicant's total of Market Value in Assets) |
|
Application Entity Total_Assets_Market_Value_Application |
(the Application's total of Market Value in Assets where IncludeInApplicationAggregates is true) | |
|
Total Assets Market Value Life Insurance |
Applicant Entity Total_Assets_Market_Value_Life_Insurance_Applicant |
(the Applicant's total of Market Value in Assets where Asset Type has a value of Life Insurance) |
|
Application Entity Total_Assets_Market_Value_Life_Insurance_Application |
(the Application's total of Market Value in Assets where IncludeInApplicationAggregates is true and Asset Type has a value of Life Insurance) | |
|
Total Assets Market Value Other |
Applicant Entity Total_Assets_Market_Value_Other_Applicant |
the Applicant's total of Market Value in Assets where Asset Type has a value of Other) |
|
Application Entity Total_Assets_Market_Value_Other_Application |
(the Application's total of Market Value in Assets where IncludeInApplicationAggregates is true and Asset Type has a value of Other) | |
|
Total Assets Market Value RE |
Applicant Entity Total_Assets_Market_Value_Real_Estate_Applicant |
(the Applicant's total of Market Value in Assets where Asset Type has a value of Real Estate) |
|
Application Entity Total_Assets_Market_Value_Real_Estate_Application |
(the Application's total of Market Value in Assets where IncludeInApplicationAggregates is true and Asset Type has a value of Real Estate) | |
|
Total Assets Market Value Retirement |
Applicant Entity Total_Assets_Market_Value_Retirement_Applicant |
(the Applicant's total of Market Value in Assets where Asset Type has a value of Retirement (401K, 403B, Pension)) |
|
Application Entity Total_Assets_Market_Value_Retirement_Application |
(the Application's total of Market Value in Assets where IncludeInApplicationAggregates is true and Asset Type has a value of Securities (Stocks and Bonds)) | |
|
Total Assets Market Value Securities |
Applicant Entity Total_Assets_Market_Value_Securities_Applicant |
(the Applicant's total of Market Value in Assets where Asset Type has a value of Retirement (401K, 403B, Pension)) |
|
Application Entity Total_Assets_Market_Value_Securities_Application |
(the Application's total of Market Value in Assets where IncludeInApplicationAggregates is true and Asset Type has a value of Securities (Stocks and Bonds)) | |
|
Total Assets Market Value Vehicle |
Applicant Entity Total_Assets_Market_Value_Vehicle_Applicant |
(the Applicant's total of Market Value in Assets where Asset Type has a value of Vehicle) |
|
Application Entity Total_Assets_Market_Value_Vehicle_Application |
(the Application's total of Market Value in Assets where IncludeInApplicationAggregates is true and Asset Type has a value of Vehicle) | |
|
Total Assets Original Value |
Applicant Entity Total_Assets_Original_Value_Applicant |
(the Applicant's total of Original Value in Assets) |
|
Application Entity Total_Assets_Original_Value_Application |
(the Application's total of OriginalValue in Assets where IncludeInApplicationAggregates is true) | |
|
Total Collateral Additional Housing Expense |
Application Entity Total_Collateral_Additional_Housing_Expense_Applicationn |
(the Application's total of Down Payment in Collaterals) |
|
Total Collateral Down Payment |
Application Entity Total_Collateral_Down_Payment_Application |
(the Application's total of Down Payment in Collaterals) |
|
Total Collateral Liable Lien Amount |
Application Entity Total_Collateral_Liable_Lien_Amount_Applcation |
(the Application's total of Market Value in Collaterals) |
|
Total Collateral Lien Amount |
Application Entity Total_Collateral_Lien_Amount_Application |
(the Application's total of Market Value in Collaterals) |
|
Total Collateral Market Value |
Application Entity Total_Collateral_Market_Value_Application |
(the Application's total of Market Value in Collaterals) |
|
Total Collateral Market Value Adj |
Application Entity Total_Collateral_Market_Value_Adj_Application |
(the Application's total of Adjusted Market Value in Collaterals) |
|
Total Collateral Net Value |
Application Entity Total_Collateral_Net_Value_Application |
(the Application's total of Net Value in Collaterals) |
|
Total Collateral Net Value Adj |
Application Entity Total_Collateral_Net_Value_Adj_Application |
(the Application's total of Adjusted Net Value in Collaterals) |
|
Total Collateral Net Value Adj |
Application Entity Total_Collateral_Number_Shares_Application |
(the Application's total of Number Of Shares in Collaterals) |
|
Total Collateral Original Investment Value |
Application Entity Total_Collateral_Original_Investment_Value_Application |
(the Application's total of Original Investment Value in Collaterals) |
|
Total Collateral Original Value |
Application Entity Total_Collateral_Original_Value_Application |
(the Application's total of Original Value in Collaterals) |
|
Total Collateral Original Value Adj |
Application Entity Total_Collateral_Original_Value_Adj_Application |
(the Application's total of Adjusted Original Value in Collaterals) |
|
Total Collateral Purchase Price |
Application Entity Total_Collateral_Purchase_Price_Application |
(the Application's total of Purchase Price in Collaterals) |
|
Total Collateral Trade In Value |
Application Entity Total_Collateral_Trade_In_Value_Application |
(the Application's total of Value in Collaterals) |
|
Total Collateral Value |
Application Entity Total_Collateral_Value_Application |
(the Application's total of Collateral Value in Collaterals) |
|
Total Collateral Value Adj |
Application Entity Total_Collateral_Value_Adj_Application |
(the Application's total of Adjusted Value in Collaterals) |
|
Total Expenses Balance FI Postloan |
Applicant Entity Total_Expenses_Balance_FI_Postloan_Applicant |
(Application Initial Loan Amount + (the Applicant's total (Adjusted Balance * (Percentage Responsible / 100)) in Liabilities where IsExpense is true and IsFromHost is true) |
|
Application Entity Total_Expenses_Balance_FI_Postloan_Application |
(Application Initial Loan Amount + (the Application's total Adjusted Balance in Liabilities where IsExpense is true and IsFromHost is true and IncludeInApplicationAggregates is true) | |
|
Total Expenses Balance FI Preloan |
Applicant Entity Total_Expenses_Balance_FI_Preloan_Applicant |
(the Applicant's total (Adjusted Balance * (Percentage Responsible / 100) in Liabilities where IsExpense is true and IsFromHost is true)) |
|
Application Entity Total_Expenses_Balance_FI_Preloan_Application |
(the Application's total Adjusted Balance in Liabilities where IsExpense is true and IsFromHost is true and IncludeInApplicationAggregates is true) | |
|
Total Expenses Balance Installment FI Postloan |
Applicant Entity Total_Expenses_Balance_Installment_FI_Postloan_Applicant |
If the Application Loan Type has a value of Closed End Then (Application Initial Loan Amount + (the Applicant's total (Adjusted Balance * (Percentage Responsible / 100) in Liabilities where IsExpense is true and (Account Type has a values of Installment, Mortgage, or Open/30 Day) and IsFromHost is true)) Else (the Applicant's total (Adjusted Balance * (Percentage Responsible / 100) in Liabilities where IsExpense is true and (Account Type has a values of Installment, Mortgage, or Open/30 Day) and IsFromHost is true)) |
|
Application Entity Total_Expenses_Balance_Installment_FI_Postloan_Application |
If the Application Loan Type has a value of Closed End Then (Application Initial Loan Amount + (the Application's total Adjusted Balance in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a values of Installment, Mortgage, or Open/30 Day) and IsFromHost is true)) Else (the Application's total Adjusted Balance in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a values of Installment, Mortgage, or Open/30 Day) and IsFrom Host is true) |
|
|
Total Expenses Balance Installment FI Preloan |
Applicant Entity Total_Expenses_Balance_Installment_FI_Preloan_Applicant |
(the Applicant's total (Adjusted Balance * (Percentage Responsible / 100)) in Liabilities where IsExpense is true and (Account Type has a value of Installment, Mortgage, or Open/30 Day) and IsFromHost is true) |
|
Application Entity Total_Expenses_Balance_Installment_FI_Preloan_Application |
(the Application's total Adjusted Balance in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a value of Installment, Mortgage, or Open/30 Day) and IsFromHost is true) | |
|
Total Expenses Balance Installment Postloan |
Applicant Entity Total_Expenses_Balance_Installment_Postloan_Applicant |
If the Application Loan Type has a value of Closed End Then (Application Initial Loan Amount + (the Applicant's total (Adjusted Balance * (Percentage Responsible / 100) in Liabilities where IsExpense is true and (Account Type has a values of Installment, Mortgage, or Open/30 Day))) Else (the Applicant's total (Adjusted Balance * (Percentage Responsible / 100) in Liabilities where IsExpense is true and (Account Type has a values of Installment, Mortgage, or Open/30 Day))) |
|
Application Entity Total_Expenses_Balance_Installment_Postloan_Application |
If the Application Loan Type has a value of Closed End Then (Application Initial Loan Amount + (the Application's total Adjusted Balance in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a values of Installment, Mortgage, or Open/30 Day))) Else (the Application's total Adjusted Balance in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a values of Installment, Mortgage, or Open/30 Day)) |
|
|
Total Expenses Balance Installment Preloan |
Applicant Entity Total_Expenses_Balance_Installment_Preloan_Applicant |
(the Applicant's total (Adjusted Balance * (Percentage Responsible / 100)) in Liabilities where IsExpense is true and (Account Type has a value of Installment, Mortgage, or Open/30 Day)) |
|
Application Entity Total_Expenses_Balance_Installment_Preloan_Application |
(the Application's total Adjusted Balance in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a value of Installment, Mortgage, or Open/30 Day)) | |
|
Total Expenses Balance Postloan |
Applicant Entity Total_Expenses_Balance_Postloan_Applicant |
(the Applicant's total (Adjusted Balance * (Percentage Responsible / 100)) in Liabilities where IsExpense is true) + Application Initial Loan Amount |
|
Application Entity Total_Expenses_Balance_Postloan_Application |
(the Application's total os Adjusted Balance in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true) | |
|
Total Expenses Balance Preloan |
Applicant Entity Total_Expenses_Balance_Preloan_Applicant |
(the Applicant's total (Adjusted Balance * (Percentage Responsible / 100)) in Liabilities where IsExpense is true) + Application Initial Loan Amount |
|
Application Entity Total_Expenses_Balance_Preloan_Application |
(the Application's total os Adjusted Balance in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true) | |
|
Total Expenses Balance Revolving FI Postloan |
Applicant Entity Total_Expenses_Balance_Revolving_FI_Postloan_Applicant |
If the Application Loan Type has a value of Open End Then (Application Initial Loan Amount + (the Applicant's total (Adjusted Balance * (Percentage Responsible / 100) in Liabilities where IsExpense is true and (Account Type has a values of Credit Line, or Revolving) and IsFromHost is true)) Else (the Applicant's total (Adjusted Balance * (Percentage Responsible / 100) in Liabilities where IsExpense is true and (Account Type has a value of Credit Line, or Revolving) and IsFromHost is true)) |
|
Application Entity Total_Expenses_Balance_Revolving_FI_Postloan_Application |
If the Application Loan Type has a value of Open End Then (Application Initial Loan Amount + (the Application's total Adjusted Balance in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a value of Credit Line, or Revolving) and IsFromHost is true)) Else (the Application's total Adjusted Balance in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a values of Credit Line, or Revolving) and IsFromHost is true) |
|
|
Total Expenses Balance Revolving FI Preloan |
Applicant Entity Total_Expenses_Balance_Revolving_FI_Preloan_Applicant |
(the Applicant's total (Adjusted Balance * (Percentage Responsible / 100)) in Liabilities where IsExpense is true and (Account Type has a value of Credit Line, or Revolving) and IsFromHost is true) |
|
Application Entity Total_Expenses_Balance_Revolving_FI_Preloan_Application |
(the Application's total of Adjusted Balance in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a value of Credit Line, or Revolving) and IsFromHost is true) | |
|
Total Expenses Balance Revolving Postloan |
Applicant Entity Total_Expenses_Balance_Revolving_Postloan_Applicant |
If the Application Loan Type has a value of Open End Then (Application Initial Loan Amount + (the Applicant's total (Adjusted Balance * (Percentage Responsible / 100) in Liabilities where IsExpense is true and (Account Type has a values of Credit Line, or Revolving))) Else (the Applicant's total (Adjusted Balance * (Percentage Responsible / 100) in Liabilities where IsExpense is true and (Account Type has a value of Credit Line, or Revolving))) |
|
Application Entity Total_Expenses_Balance_Revolving_Postloan_Application |
If the Application Loan Type has a value of Open End Then (Application Initial Loan Amount + (the Application's total Adjusted Balance in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a value of Credit Line, or Revolving))) Else (the Application's total Adjusted Balance in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a value of Credit Line, or Revolving)) |
|
|
Total Expenses Balance Revolving Preloan |
Applicant Entity Total_Expenses_Balance_Revolving_Preloan_Applicant |
(the Applicant's total (Adjusted Balance * (Percentage Responsible / 100)) in Liabilities where IsExpense is true and (Account Type has a value of Credit Line, or Revolving)) |
|
Application Entity Total_Expenses_Balance_Revolving_Preloan_Application |
(the Application's total of Adjusted Balance in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a value of Credit Line, or Revolving)) | |
|
Total Expenses Balance Secured FI Postloan |
Applicant Entity Total_Expenses_Balance_Secured_FI_Postloan_Applicant |
If the Application IsSecured is true Then (Application Initial Loan Amount + (the Applicant's total Adjusted Balance * (Percentage Responsible / 100) in Liabilities where IsExpense is true and IsSecured is true and IsFromHost is true) Else (the Applicant's total Adjusted Balance * (Percentage Responsible / 100) in Liabilities where IsExpense is true and IsSecured is true and IsFromHost is true) |
|
Application Entity Total_Expenses_Balance_Secured_FI_Postloan_Application |
If IsSecured is true Then (Application Initial Loan Amount + (the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and IsSecured is true and IsFromHost is true) Else (the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and IsSecured is true and IsFromHost is true) |
|
|
Total Expenses Balance Secured FI Preloan |
Applicant Entity Total_Expenses_Balance_Secured_FI_Preloan_Applicant |
(the Applicant's total (Adjusted Balance * (Percentage Responsible / 100)) in Liabilities where IsExpense is true and IsSecured is true and IsFromHost is true) |
|
Application Entity Total_Expenses_Balance_Secured_FI_Preloan_Application |
(the Application's total (Adjusted Balance in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and IsSecured is true and IsFromHost is true) | |
|
Total Expenses Balance Secured Postloan |
Applicant Entity Total_Expenses_Balance_Secured_Postloan_Applicant |
If the Application IsSecured is true Then (Application Initial Loan Amount + (the Applicant's total Adjusted Balance * (Percentage Responsible / 100) in Liabilities where IsExpense is true and IsSecured is true) Else (the Applicant's total Adjusted Balance * (Percentage Responsible / 100) in Liabilities where IsExpense is true and IsSecured is true) |
|
Application Entity Total_Expenses_Balance_Secured_Postloan_Application |
If IsSecured is true Then (Application Initial Loan Amount + (the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and IsSecured is true) Else (the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and IsSecured is true) |
|
|
Total Expenses Balance Secured Preloan |
Applicant Entity Total_Expenses_Balance_Secured_Preloan_Applicant |
(the Applicant's total (Adjusted Balance * (Percentage Responsible / 100)) in Liabilities where IsExpense is true and IsSecured is true) |
|
Application Entity Total_Expenses_Balance_Secured_Preloan_Application |
(the Application's total (Adjusted Balance in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and IsSecured is true) | |
|
Total Expenses Balance Unsecured FI Postloan |
Applicant Entity Total_Expenses_Balance_Unsecured_FI_Postloan_Applicant |
If the Application IsSecured is false Then (Application Initial Loan Amount + (the Applicant's total Adjusted Balance * (Percentage Responsible / 100) in Liabilities where IsExpense is true and IsSecured is false and IsFromHost is true) Else (the Applicant's total Adjusted Balance * (Percentage Responsible / 100) in Liabilities where IsExpense is true and IsSecured is false and IsFromHost is true) |
|
Application Entity Total_Expenses_Balance_Unsecured_FI_Postloan_Application |
If IsSecured is false Then (Application Initial Loan Amount + (the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and IsSecured is false and IsFromHost is true) Else (the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and IsSecured is false and IsFromHost is true) |
|
|
Total Expenses Balance Unsecured FI Preloan |
Applicant Entity Total_Expenses_Balance_Unsecured_FI_Preloan_Applicant |
(the Applicant's total (Adjusted Balance * (Percentage Responsible / 100)) in Liabilities where IsExpense is true and IsSecured is false and IsFromHost is true) |
|
Application Entity Total_Expenses_Balance_Unsecured_FI_Preloan_Application |
(the Application's total (Adjusted Balance in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and IsSecured is false and IsFromHost is true) | |
|
Total Expenses Balance Unsecured Postloan |
Applicant Entity Total_Expenses_Balance_Unsecured_Postloan_Applicant |
If the Application IsSecured is false Then (Application Initial Loan Amount + (the Applicant's total Adjusted Balance * (Percentage Responsible / 100) in Liabilities where IsExpense is true and IsSecured is false) Else (the Applicant's total Adjusted Balance * (Percentage Responsible / 100) in Liabilities where IsExpense is true and IsSecured is false |
|
Application Entity Total_Expenses_Balance_Unsecured_Postloan_Application |
If IsSecured is false Then (Application Initial Loan Amount + (the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and IsSecured is false) Else (the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and IsSecured is false) |
|
|
Total Expenses Balance Unsecured Preloan |
Applicant Entity Total_Expenses_Balance_Unsecured_Preloan_Applicant |
(the Applicant's total (Adjusted Balance * (Percentage Responsible / 100)) in Liabilities where IsExpense is true and IsSecured is false) |
|
Application Entity Total_Expenses_Balance_Unsecured_Preloan_Application |
(the Application's total (Adjusted Balance in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and IsSecured is false) | |
|
Total Expenses Balloon FI Postloan |
Applicant Entity Total_Expenses_Balloon_FI_Postloan_Applicant |
(the Applicant's total (Balloon Amount * (Percentage Responsible / 100)) in Liabilities where IsFromHost is true and IsExpense is true) + Application Balloon Amount |
|
Application Entity Total_Expenses_Balloon_FI_Postloan_Application |
(the Application's total of Balloon Amount in Liabilities where IsExpense is true and IsFromHost is true and IncludeInApplicationAggregates is true) + Application Balloon Amount | |
|
Total Expenses Balloon FI Preloan |
Applicant Entity Total_Expenses_Balloon_FI_Preloan_Applicant |
(the Applicant's total (Balloon Amount * (Percentage Responsible / 100)) in Liabilities where IsFromHost is true and IsExpense is true) |
|
Application Entity Total_Expenses_Balloon_FI_Preloan_Application |
(the Application's total of Balloon Amount in Liabilities where IsExpense is true and IsFromHost is true and IncludeInApplicationAggregates is true) | |
|
Total Expense Balloon Postloan |
Applicant Entity Total_Expenses_Balloon_Postloan_Applicant |
(the Applicant's total (Balloon Amount * (Percentage Responsible / 100)) in Liabilities where IsExpense is true) + Application Balloon Amount |
|
Application Entity Total_Expenses_Balloon_Postloan_Application |
(the Application's total of Balloon Amount in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true) + Application Balloon Amount | |
|
Total Expenses Balloon Preloan |
Applicant Entity Total_Expenses_Balloon_Preloan_Applicant |
(the Applicant's total (Balloon Amount * (Percentage Responsible / 100)) in Liabilities where IsExpense is true) |
|
Application Entity Total_Expenses_Balloon_Preloan_Application |
(the Application's total of Balloon Amount in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true) | |
|
Total Expenses Limit Revolving FI Postloan |
Applicant Entity Total_Expenses_Limit_Revolving_FI_Postloan_Applicant |
If the Application Loan Type has a value of Open End Then (Application Initial Loan Amount + (the Applicant's total Adjusted Limit in Liabilities where IsExpense is true and (Account Type has a value of Credit Line, or Revolving) and IsFromHost is true) Else (the Applicant's total Adjusted Limit in Liabilities where IsExpense is true and (Account Type has a value of Credit Line, or Revolving) and IsFromHost is true) |
|
Application Entity Total_Expenses_Limit_Revolving_FI_Postloan_Application |
If the Application Loan Type has a value of Open End Then (Application Initial Loan Amount + (the Application's total Adjusted Limit n Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a value of Credit Line, or Revolving) and IsFromHost is true) Else (the Application's total Adjusted Limit n Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a value of Credit Line, or Revolving) and IsFromHost is true) |
|
|
Total Expenses Limit Revolving FI Preloan |
Applicant Entity Total_Expenses_Limit_Revolving_FI_Preloan_Applicant |
(the Applicant's total Adjusted Limit in Liabilities where IsExpense is true and (Account Type has a value of Credit Line, or Revolving) and IsFromHost is true) |
|
Application Entity Total_Expenses_Limit_Revolving_FI_Preloan_Application |
(the Application's total Adjusted Limit n Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a value of Credit Line, or Revolving) and IsFromHost is true) | |
|
Total Expenses Limit Revolving Postloan |
Applicant Entity Total_Expenses_Limit_Revolving_Postloan_Applicant |
If the Application Loan Type has a value of Open End Then (Application Initial Loan Amount + (the Applicant's total Adjusted Limit in Liabilities where IsExpense is true and (Account Type has a value of Credit Line, or Revolving)) Else (the Applicant's total Adjusted Limit in Liabilities where IsExpense is true and (Account Type has a value of Credit Line, or Revolving)) |
|
Application Entity Total_Expenses_Limit_Revolving_Postloan_Application |
If the Application Loan Type has a value of Open End Then (Application Initial Loan Amount + (the Application's total Adjusted Limit n Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a value of Credit Line, or Revolving)) Else (the Application's total Adjusted Limit n Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a value of Credit Line, or Revolving)) |
|
|
Total Expenses Limit Revolving Preloan |
Applicant Entity Total_Expenses_Limit_Revolving_Preloan_Applicant |
(the Applicant's total Adjusted Limit in Liabilities where IsExpense is true and (Account Type has a value of Credit Line, or Revolving)) |
|
Application Entity Total_Expenses_Limit_Revolving_Preloan_Application |
(the Application's total Adjusted Limit n Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a value of Credit Line, or Revolving)) | |
|
Total Expenses Limit Unsecured FI Postloan |
Applicant Entity Total_Expenses_Limit_Unsecured_FI_Postloan_Applicant |
If the Application IsSecured is false Then (Application Initial Loan Amount + (the Applicant's total Adjusted Limit * (Percentage Responsible / 100) in Liabilities where IsExpense is true and IsSecured is false and IsFromHost is true) Else (the Applicant's total Adjusted Limit * (Percentage Responsible / 100) in Liabilities where IsExpense is true and IsSecured is false and IsFromHost is true) |
|
Application Entity Total_Expenses_Limit_Unsecured_FI_Postloan_Application |
If IsSecured is false Then (Application Initial Loan Amount + (the Application's total Adjusted Limit in Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and IsSecured is false and IsFromHost is true) Else (the Application's total Adjusted Limit in Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and IsSecured is false and IsFromHost is true) |
|
|
Total Expenses Limit Unsecured FI Preloan |
Applicant Entity Total_Expenses_Limit_Unsecured_FI_Preloan_Applicant |
(the Applicant's total (Adjusted Limit * (Percentage Responsible / 100)) in Liabilities where IsExpense is true and IsSecured is false and IsFromHost is true) |
|
Application Entity Total_Expenses_Limit_Unsecured_FI_Preloan_Application |
(the Application's total (Adjusted Limit in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and IsSecured is false and IsFromHost is true) | |
|
Total Expenses Limit Unsecured Postloan |
Applicant Entity Total_Expenses_Limit_Unsecured_Postloan_Applicant |
If the Application IsSecured is false Then (Application Initial Loan Amount + (the Applicant's total Adjusted Limit * (Percentage Responsible / 100) in Liabilities where IsExpense is true and IsSecured is false) Else (the Applicant's total Adjusted Limit * (Percentage Responsible / 100) in Liabilities where IsExpense is true and IsSecured is false) |
|
Application Entity Total_Expenses_Limit_Unsecured_Postloan_Application |
If IsSecured is false Then (Application Initial Loan Amount + (the Application's total Adjusted Limit in Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and IsSecured is false) Else (the Application's total Adjusted Limit in Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and IsSecured is false) |
|
|
Total Expenses Limit Unsecured Preloan |
Applicant Entity Total_Expenses_Limit_Unsecured_Preloan_Applicant |
(the Applicant's total (Adjusted Limit * (Percentage Responsible / 100)) in Liabilities where IsExpense is true and IsSecured is false) |
|
Application Entity Total_Expenses_Limit_Unsecured_Preloan_Application |
(the Application's total (Adjusted Limit in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and IsSecured is false) | |
|
Total Expenses Payment Credit Cards Open |
Applicant Entity Total_Expenses_Payment_Credit_Cards_Open_Applicant |
(the Applicant's total (Adjusted Monthly Payment * (Percentage Responsible / 100) in Liabilities where IsExpense is true and Trade Closed Type has a value of Not Closed and (Trade Category has a value of Credit Card, Department Store, or Miscellaneous Retail)) |
|
Application Entity Total_Expenses_Payment_Credit_Cards_Open_Application |
(the Application's total of Adjusted Monthly Payment in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Trade Category has a value of Credit Card, Department Store, or Miscellaneous Retail) and Trade Closed Type has a value of Not Closed) | |
|
Total Expenses Payment Education Open |
Applicant Entity Total_Expenses_Payment_Education_Open_Applicant |
(the Applicant's total (Adjusted Monthly Payment * (Percentage Responsible / 100) in Liabilities where IsExpense is true and Trade Closed Type has a value of Not Closed and Trade Category has a value of Education (Student Loans))) |
|
Application Entity Total_Expenses_Payment_Education_Open_Application |
(the Application's total of Adjusted Monthly Payment in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Trade Category has a value of Education (Student Loans)) and Trade Closed Type has a value of Not Closed) | |
|
Total Expenses Payment FI Postloan |
Applicant Entity Total_Expenses_Payment_FI_Postloan_Applicant |
Set the aggregate “Total Expenses Payment FI Postloan” for the applicant to ((Application MonthlyPaymentAmount plus Application LoanRealEstate TotMthlyPaymentAmt) plus (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by IsExpense is true and IsFromHost is true)) |
|
Application Entity Total_Expenses_Payment_FI_Postloan_Application |
Set the aggregate “Total Expenses Payment FI Postloan” for the application to ((MonthlyPaymentAmount plus LoanRealEstate TotMthlyPaymentAmt) plus (the total of AdjustedMonthlyPayment in Liabilities filtered by IsExpense is true and IsFromHost is true and IncludeInApplicationAggregate is true)) | |
|
Total Expenses Payment FI Preloan |
Applicant Entity Total_Expenses_Payment_FI_Preloan_Applicant |
(the Applicant's total (Adjusted Monthly Payment * (Percentage Responsible / 100) in Liabilities where IsFromHost is true and IsExpense is true)) |
|
Application Entity Total_Expenses_Payment_FI_Preloan_Application |
(the Application's total of Adjusted Monthly Payment in Liabilities where IsExpense is true and IsFromHost is true and IncludeInApplicationAggregates is true | |
|
Total Expenses Payment Housing Postloan |
Applicant Entity Total_Expenses_Payment_Housing_Postloan_Applicant |
Take the following: (If Then (Set the aggregate “Total Expenses Payment Housing Postloan” for the applicant to ((Application MonthlyPaymentAmount plus Application LoanRealEstate TotMthlyPaymentAmt) plus (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by IsExpense is true and AccountType has a value of “Mortgage”)) ( Set the aggregate “Total Expenses Payment Housing Postloan” for the applicant to (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by IsExpense is true and AccountType has a value of “Mortgage”) |
|
Application Entity Total_Expenses_Payment_Housing_Postloan_Application |
If TradeType has a value of “Mortgage” Then (Set the aggregate “Total Expenses Payment Housing Postloan” for the application to ((MonthlyPaymentAmount plus LoanRealEstate TotMthlyPaymentAmt) plus (the total of AdjustedMonthlyPayment in Liabilities filtered by IsExpense is true and IncludeInApplicationAggregate is true and AccountType has a value of “Mortgage”)) Else (Set the aggregate “Total Expenses Payment Housing Postloan” for the application to (the total of AdjustedMonthlyPayment in Liabilities filtered by IsExpense is true and IncludeInApplicationAggregate is true and AccountType has a value of “Mortgage”) |
|
|
Total Expenses Payment Housing Preloan |
Applicant Entity Total_Expenses_Payment_Housing_Preloan_Applicant |
(the Applicant's total (Adjusted Monthly Payment * (Percentage Responsible / 100) in Liabilities where IsExpense is true and Account Type has a value of Mortgage)) |
|
Application Entity Total_Expenses_Payment_Housing_Preloan_Application |
(the Application's total Adjusted Monthly Payment in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and Account Type has a value of Mortgage ))) | |
|
Total Expenses Payment Installment FI Postloan |
Applicant Entity Total_Expenses_Payment_Installment_FI_Postloan_Applicant |
If Application LoanType has a value of “Closed End” Then (Set the aggregate “Total Expenses Payment Installment FI Postloan” for the applicant to ((Application MonthlyPaymentAmount plus Application LoanRealEstate TotMthlyPaymentAmt) plus (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by IsExpense is true and AccountType has a value of “Installment, Mortgage, Open/30 day” and IsFromHost is true)) Else (Set the aggregate “Total Expenses Payment Installment FI Postloan” for the applicant to (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by IsExpense is true and AccountType has a value of “Installment, Mortgage, Open/30 day” and IsFromHost is true) |
|
Application Entity Total_Expenses_Payment_Installment_FI_Postloan_Application |
If LoanType has a value of “Closed End”
Then (Set the aggregate “Total Expenses Payment Installment FI Postloan” for the application to ((MonthlyPaymentAmount plus LoanRealEstate TotMthlyPaymentAmt) plus (the total of AdjustedMonthlyPayment in Liabilities filtered by IsExpense is true and IncludeInApplicationAggregate is true and AccountType has a value of “Installment, Mortgage, Open/30 day” and IsFromHost is true)) Else (Set the aggregate “Total Expenses Payment Installment FI Postloan” for the application to (the total of AdjustedMonthlyPayment in Liabilities filtered by IsExpense is true and IncludeInApplicationAggregate is true and AccountType has a value of “Installment, Mortgage, Open/30 day” and IsFromHost is true) |
|
|
Total Expenses Payment Installment FI Preloan |
Applicant Entity Total_Expenses_Payment_Installment_FI_Preloan_Applicant |
(the Applicant's total (Adjusted Monthly Payment * (Percentage Responsible / 100) in Liabilities where IsExpense is true and (Account Type has a value of Installment, Mortgage, or Open/30 Day) and IsFromHost is true)) |
|
Application Entity Total_Expenses_Payment_Installment_FI_Preloan_Application |
(the Application's total Adjusted Monthly Payment in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a value of Installment, Mortgage, or Open/30Day) and IsFromHost is true)) | |
|
Total Expenses Payment Installment Postloan |
Applicant Entity Total_Expenses_Payment_Installment_Postloan_Applicant |
If Application LoanType has a value of “Closed End” Then (Set the aggregate “Total Expenses Payment Installment Postloan” for the applicant to ((Application MonthlyPaymentAmount plus Application LoanRealEstate TotMthlyPaymentAmt) plus (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by IsExpense is true and AccountType has a value of “Installment, Mortgage, Open/30 day”)) Else (Set the aggregate “Total Expenses Payment Installment Postloan” for the applicant to (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by IsExpense is true and AccountType has a value of “Installment, Mortgage, Open/30 day”) |
|
Application Entity Total_Expenses_Payment_Installment_Postloan_Application |
If LoanType has a value of “Closed End” Then (Set the aggregate “Total Expenses Payment Installment Postloan” for the application to ((MonthlyPaymentAmount plus LoanRealEstate TotMthlyPaymentAmt) plus (the total of AdjustedMonthlyPayment in Liabilities filtered by IsExpense is true and IncludeInApplicationAggregate is true and AccountType has a value of “Installment, Mortgage, Open/30 day”)) Else( Set the aggregate “Total Expenses Payment Installment Postloan” for the application to (the total of AdjustedMonthlyPayment in Liabilities filtered by IsExpense is true and IncludeInApplicationAggregate is true and AccountType has a value of “Installment, Mortgage, Open/30 day”) |
|
|
Total Expenses Payment Installment Preloan |
Applicant Entity Total_Expenses_Payment_Installment_Preloan_Applicant |
(the Applicant's total (Adjusted Monthly Payment * (Percentage Responsible / 100) in Liabilities where IsExpense is true and (Account Type has a value of Installment, Mortgage, or Open/30 Day))) |
|
Application Entity Total_Expenses_Payment_Installment_Preloan_Application |
(the Application's total Adjusted Monthly Payment in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a value of Installment, Mortgage, or Open/30Day))) | |
|
Total Expenses Payment Medical Open |
Applicant Entity Total_Expenses_Payment_Medical_Open_Applicant |
(the Applicant's total (Adjusted Monthly Payment * (Percentage Responsible / 100) in Liabilities where IsExpense is true and Trade Closed Type has a value of Not Closed and Trade Category has a value of Medical)) |
|
Application Entity Total_Expenses_Payment_Medical_Open_Application |
(the Application's total of Adjusted Monthly Payment in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and Trade Category has a value of Medical and Trade Closed Type has a value of Not Closed) | |
|
Total Expenses Payment Postloan |
Applicant Entity Total_Expenses_Payment_Postloan_Applicant |
Set the aggregate “Total Expenses Payment Postloan” for the applicant to ((Application MonthlyPaymentAmount plus Application LoanRealEstate TotMthlyPaymentAmt) plus (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by IsExpense is true)) |
|
Application Entity Total_Expenses_Payment_Postloan_Application |
Set the aggregate “Total Expenses Payment Postloan” for the application to ((MonthlyPaymentAmount plus LoanRealEstate TotMthlyPaymentAmt) plus (the total of AdjustedMonthlyPayment in Liabilities filtered by IsExpense is true and IncludeInApplicationAggregate is true)) | |
|
Total Expenses Payment Preloan |
Applicant Entity Total_Expenses_Payment_Preloan_Applicant |
(the Applicant's total (Adjusted Monthly Payment * (Percentage Responsible / 100) in Liabilities where IsExpense is true)) |
|
Application Entity Total_Expenses_Payment_Preloan_Application |
(the Application's total Adjusted Monthly Payment in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true) | |
|
Total Expenses Payment Real Estate Open |
Applicant Entity Total_Expenses_Payment_Real_Estate_Open_Applicant |
(the Applicant's total (Adjusted Monthly Payment * (Percentage Responsible / 100) in Liabilities where IsExpense is true and Trace Closed Type has a value of Not Closed and Trade Category has a value of Real Estate)) |
|
Application Entity Total_Expenses_Payment_Real_Estate_Open_Application |
(the Application's total Adjusted Monthly Payment in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and Trade Category has a value of Real Estate and Trade Closed Type has a value of Not Closed) | |
|
Total Expenses Payment Revolving FI Postloan |
Applicant Entity Total_Expenses_Payment_Revolving_FI_Postloan_Applicant |
If Application LoanType has a value of “Open End” Then (Set the aggregate “Total Expenses Payment Revolving Postloan” for the applicant to ((Application MonthlyPaymentAmount plus Application LoanRealEstate TotMthlyPaymentAmt) plus (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by IsExpense is true and AccountType has a value of “Credit Line, Revolving” and IsFromHost is true)) Else (Set the aggregate “Total Expenses Payment Revolving Postloan” for the applicant to (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by IsExpense is true and AccountType has a value of “Credit Line, Revolving” and IsFromHost is true) |
|
Application Entity Total_Expenses_Payment_Revolving_FI_Postloan_Application |
If LoanType has a value of “Open End”
Then (Set the aggregate “Total Expenses Payment Revolving FI Postloan” for the application to ((MonthlyPaymentAmount plus LoanRealEstate TotMthlyPaymentAmt) plus (the total of AdjustedMonthlyPayment in Liabilities filtered by IsExpense is true and IncludeInApplicationAggregate is true and AccountType has a value of “Credit Line, Revolving” and IsFromHost is true)) Else (Set the aggregate “Total Expenses Payment Revolving FI Postloan” for the application to (the total of AdjustedMonthlyPayment in Liabilities filtered by IsExpense is true and IncludeInApplicationAggregate is true and AccountType has a value of “Credit Line, Revolving” and IsFromHost is true) |
|
|
Total Expenses Payment Revolving FI Preloan |
Applicant Entity Total_Expenses_Payment_Revolving_FI_Preloan_Applicant |
(the Applicant's total (Adjusted Monthly Payment * (Percentage Responsible / 100) in Liabilities where IsExpense is true and (Account Type has a value of Credit Line, or Revolving) and IsFromHost is true) |
|
Application Entity Total_Expenses_Payment_Revolving_FI_Preloan_Application |
(the Application's total Adjusted Monthly Payment in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a value of Credit Line, or Revolving) and IsFromHost is true) | |
|
Total Expenses Payment Revolving Postloan |
Applicant Entity Total_Expenses_Payment_Revolving_Postloan_Applicant |
If Application LoanType has a value of “Open End” Then (Set the aggregate “Total Expenses Payment Revolving Postloan” for the applicant to ((Application MonthlyPaymentAmount plus Application LoanRealEstate TotMthlyPaymentAmt) plus (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by IsExpense is true and AccountType has a value of “Credit Line, Revolving”)) Else (Set the aggregate “Total Expenses Payment Revolving Postloan” for the applicant to (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by IsExpense is true and AccountType has a value of “Credit Line, Revolving”) |
|
Application Entity Total_Expenses_Payment_Revolving_Postloan_Application |
If LoanType has a value of “Open End”
Then (Set the aggregate “Total Expenses Payment Revolving Postloan” for the application to ((MonthlyPaymentAmount plus LoanRealEstate TotMthlyPaymentAmt) plus (the total of AdjustedMonthlyPayment in Liabilities filtered by IsExpense is true and IncludeInApplicationAggregate is true and AccountType has a value of “Credit Line, Revolving”)) Else (Set the aggregate “Total Expenses Payment Revolving Postloan” for the application to (the total of AdjustedMonthlyPayment in Liabilities filtered by IsExpense is true and IncludeInApplicationAggregate is true and AccountType has a value of “Credit Line, Revolving”) |
|
|
Total Expenses Payment Revolving Preloan |
Applicant Entity Total_Expenses_Payment_Revolving_Preloan_Applicant |
(the Application's total Adjusted Limit n Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a value of Credit Line, or Revolving)) |
|
Application Entity Total_Expenses_Payment_Revolving_Preloan_Application |
(the Application's total Adjusted Monthly Payment in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and (Account Type has a value of Credit Line, or Revolving)) | |
|
Total Expenses Payment Secured FI Postloan |
Applicant Entity Total_Expenses_Payment_Secured_FI_Postloan_Applicant |
If Application IsSecured is true Then (Set the aggregate “Total Expenses Payment Secured FI Postloan” for the applicant to ((Application MonthlyPaymentAmount plus Application LoanRealEstate TotMthlyPaymentAmt) plus (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by IsExpense is true and IsSecured is true and IsFromHost is true)) Else (Set the aggregate “Total Expenses Payment Secured FI Postloan” for the applicant to (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by IsExpense is true and IsSecured is true and IsFromHost is true) |
|
Application Entity Total_Expenses_Payment_Secured_FI_Postloan_Application |
If IsSecured is true Then (Set the aggregate “Total Expenses Payment Secured FI Postloan” for the application to ((MonthlyPaymentAmount plus LoanRealEstate TotMthlyPaymentAmt) plus (the total of AdjustedMonthlyPayment in Liabilities filtered by IsExpense is true and IncludeInApplicationAggregate is true and IsSecured is true and IsFromHost is true)) Else (Set the aggregate “Total Expenses Payment Secured FI Postloan” for the application to (the total of AdjustedMonthlyPayment in Liabilities filtered by IsExpense is true and IncludeInApplicationAggregate is true and IsSecured is true and IsFromHost is true) |
|
|
Total Expense Payment Secured FI Preloan |
Applicant Entity Total_Expenses_Payment_Secured_FI_Preloan_Applicant |
(the Applicant's total (Adjusted Monthly Payment * (Percentage Responsible / 100)) in Liabilities where IsExpense is true and IsSecured is true and IsFromHost is true) |
|
Application Entity Total_Expenses_Payment_Secured_FI_Preloan_Application |
(the Application's total (Adjusted Monthly Payment in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and IsSecured is true and IsFromHost is true) | |
|
Total Expense Payment Secured Postloan |
Applicant Entity Total_Expenses_Payment_Secured_Postloan_Applicant |
If Application IsSecured is true Then (Set the aggregate “Total Expenses Payment Secured Postloan” for the applicant to ((Application MonthlyPaymentAmount plus Application LoanRealEstate TotMthlyPaymentAmt) plus (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by IsExpense is true and IsSecured is true)) Else (Set the aggregate “Total Expenses Payment Secured Postloan” for the applicant to (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by IsExpense is true and IsSecured is true) |
|
Application Entity Total_Expenses_Payment_Secured_Postloan_Application |
If IsSecured is true Then (Set the aggregate “Total Expenses Payment Secured Postloan” for the application to ((MonthlyPaymentAmount plus LoanRealEstate TotMthlyPaymentAmt) plus (the total of AdjustedMonthlyPayment in Liabilities filtered by IsExpense is true and IncludeInApplicationAggregate is true and IsSecured is true)) Else (Set the aggregate “Total Expenses Payment Secured Postloan” for the application to (the total of AdjustedMonthlyPayment in Liabilities filtered by IsExpense is true and IncludeInApplicationAggregate is true and IsSecured is true) |
|
|
Total Expense Payment Secured Preloan |
Applicant Entity Total_Expenses_Payment_Secured_Preloan_Applicant |
(the Applicant's total (Adjusted Monthly Payment * (Percentage Responsible / 100)) in Liabilities where IsExpense is true and IsSecured is true) |
|
Application Entity Total_Expenses_Payment_Secured_Preloan_Application |
(the Application's total (Adjusted Monthly Payment in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and IsSecured is true) | |
|
Total Expenses Payment Unsecured FI Postloan |
Applicant Entity Total_Expenses_Payment_Unsecured_FI_Postloan_Applicant |
If the Application IsSecured is false Then (Application Monthly Payment Amount + (the Applicant's total Adjusted Monthly Payment Amount * (Percentage Responsible / 100) in Liabilities where Trade Closed Type has a value of Not Closed and IsSecured is false and IsFromHost is true) Else (the Applicant's total Adjusted Monthly Payment Amount * (Percentage Responsible / 100) in Liabilities whereTrade Closed Type has a value of Not Closed and IsSecured is false and IsFromHost is true) |
|
Application Entity Total_Expenses_Payment_Unsecured_FI_Postloan_Application |
If IsSecured is false Then (Application Monthly Payment Amount + (the Application's total Adjusted Monthly Payment Amount in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and IsSecured is false and IsFromHost is true) Else (the Application's total Adjusted Monthly Payment Amount in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and IsSecured is false and IsFromHost is true) |
|
|
Total Expenses Payment Unsecured FI Preloan |
Applicant Entity Total_Expenses_Payment_Unsecured_FI_Preloan_Applicant |
(the Applicant's total (Adjusted Monthly Payment * (Percentage Responsible / 100)) in Liabilities where IsExpense is true and IsSecured is false and IsFromHost is true) |
|
Application Entity Total_Expenses_Payment_Unsecured_FI_Preloan_Application |
(the Application's total (Adjusted Monthly Payment in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and IsSecured is false and IsFromHost is true) | |
|
Total Expenses Payment Unsecured Postloan |
Applicant Entity Total_Expenses_Payment_Unsecured_Postloan_Applicant |
If the Application IsSecured is false Then (Application Monthly Payment Amount + (the Applicant's total Adjusted Monthly Payment Amount * (Percentage Responsible / 100) in Liabilities where IsExpense is true and IsSecured is false) Else (the Applicant's total Adjusted Monthly Payment Amount * (Percentage Responsible / 100) in Liabilities where IsExpense is true and IsSecured is false) |
|
Application Entity Total_Expenses_Payment_Unsecured_Postloan_Application |
If IsSecured is false Then (Application Monthly Payment Amount + (the Application's total Adjusted Monthly Payment Amount in Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and IsSecured is false) Else (the Application's total Adjusted Monthly Payment Amount in Liabilities where IncludeInApplicationAggregates is true and IsExpense is true and IsSecured is false) |
|
|
Total Expenses Payment Unsecured Preloan |
Applicant Entity Total_Expenses_Payment_Unsecured_Preloan_Applicant |
(the Applicant's total (Adjusted Monthly Payment * (Percentage Responsible / 100)) in Liabilities where IsExpense is true and IsSecured is false) |
|
Application Entity Total_Expenses_Payment_Unsecured_Preloan_Application |
(the Application's total (Adjusted Monthly Payment in Liabilities where IsExpense is true and IncludeInApplicationAggregates is true and IsSecured is false) | |
|
Total Income |
Applicant Entity Total_Income_Applicant |
(the Applicant's total Adjusted Monthly Income in Incomes where Income Type does not have a value of Previous Income) |
|
Application Entity Total_Income_Application |
(the Application's total Adjusted Monthly Income in Incomes where Income Type does not have a value of Previous Income and IncludeInApplicationAggregates is true) | |
|
Total Income Additional |
Applicant Entity Total_Income_Additional_Applicant |
(the Applicant's total Adjusted Monthly Income in Incomes where Income Type has a value of Additional Income) |
|
Application Entity Total_Income_Additional_Application |
(the Application's total Adjusted Monthly Income in Incomes where Income Type has a value of Additional Income and IncludeInApplicationAggregates is true) | |
|
Total Income Alimony |
Applicant Entity Total_Income_Alimony_Applicant |
(the Applicant's total Adjusted Monthly Income in Incomes where Income Type has a value of Alimony Income) |
|
Application Entity Total_Income_Alimony_Application |
(the Application's total Adjusted Monthly Income in Incomes where Income Type has a value of Alimony Income and IncludeInApplicationAggregates is true) | |
|
Total Income Child Support |
Applicant Entity Total_Income_Child_Support_Applicant |
(the Applicant's total Adjusted Monthly Income in Incomes where Income Type has a value of Child Support) |
|
Application Entity Total_Income_Child_Support_Application |
(the Application's total Adjusted Monthly Income in Incomes where Income Type has a value of Child Support and IncludeInApplicationAggregates is true) | |
|
Total Income Non Current |
Applicant Entity Total_Income_Non_Current_Applicant |
(the Applicant's total Adjusted Monthly Income in Incomes where Income Type does not have a value of Current Income) |
|
Application Entity Total_Income_Non_Current_Application |
(the Application's total Adjusted Monthly Income in Incomes where Income Type does not have a value of Current Income and IncludeInApplicationAggregates is true) | |
|
Total Income Other |
Applicant Entity Total_Income_Other_Applicant |
(the Applicant's total Adjusted Monthly Income in Incomes where Income Type has a value of Other) |
|
Application Entity Total_Income_Other_Application |
(the Application's total Adjusted Monthly Income in Incomes where Income Type has a value of Other and IncludeInApplicationAggregates is true) | |
|
Total Income Retirement |
Applicant Entity Total_Income_Retirement_Applicant |
(the Applicant's total Adjusted Monthly Income in Incomes where Income Type has a value of Retirement) |
|
Application Entity Total_Income_Retirement_Application |
(the Application's total Adjusted Monthly Income in Incomes where Income Type has a value of Retirement and IncludeInApplicationAggregates is true) | |
|
Total Income SSI |
Applicant Entity Total_Income_SSI_Applicant |
(the Applicant's total Adjusted Monthly Income in Incomes where Income Type has a value of Social Security) |
|
Application Entity Total_Income_SSI_Application |
(the Application's total Adjusted Monthly Income in Incomes where Income Type has a value of Social Security and IncludeInApplicationAggregates is true) | |
|
Total Trades Balance Credit Cards Open |
Applicant Entity Total_Trades_Balance_Credit_Cards_Open_Applicant |
(the Applicant's total (Adjusted Balance * (Percentage Responsible / 100) in Liabilities where Trade Closed Type has a value of Not Closed, and (Trade Category has a value of Credit Card, Department Store, or Miscellaneous Retail) |
|
Application Entity Total_Trades_Balance_Credit_Cards_Open_Application |
(the Application's total Adjusted Balance in Liabilities where Trade Closed Type has a value of Not Closed and IncludeInApplicationAggregates is true and Trade Category has a value of Education (Student Loans)) | |
|
Total Trades Balance Education Open |
Applicant Entity Total_Trades_Balance_Education_Open_Applicant |
(the Applicant's total (Adjusted Balance * (Percentage Responsible / 100) in Liabilities where Trade Closed Type has a value of Not Closed, and (Trade Category has a value of Credit Card, Department Store, or Miscellaneous Retail) |
|
Application Entity Total_Trades_Balance_Education_Open_Application |
(the Application's total Adjusted Balance in Liabilities where Trade Closed Type has a value of Not Closed and IncludeInApplicationAggregates is true and Trade Category has a value of Education (Student Loans)) | |
|
Total Trades Balance Installment Open Postloan |
Applicant Entity Total_Trades_Balance_Installment_Open_Postloan_Applicant |
If the Application Loan Type has a value of Closed End Then (Application Initial Loan Amount + (the Applicant's total Adjusted Balance * (Percentage Responsible / 100) in Liabilities where (Trade Closed Type has a value of Not Closed and Account Type has a value of Installment, Mortgage, Open/30 Day Else (the Applicant's total Adjusted Balance * (Percentage Responsible / 100) in Liabilities where (Trade Closed Type has a value of Not Closed and Account Type has a value of Installment, Mortgage, Open/30 Day |
|
Application Entity Total_Trades_Balance_Installment_Open_Postloan_Application |
If the Application Loan Type has a value of Closed End Then (Application Initial Loan Amount + (the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and (Trade Closed Type has a value of Not Closed and Account Type has a value of Installment, Mortgage, Open/30 Day Else (the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and (Trade Closed Type has a value of Not Closed and Account Type has a value of Installment, Mortgage, Open/30 Day |
|
|
Total Trades Balance Installment Open Preloan |
Applicant Entity Total_Trades_Balance_Installment_Open_Preloan_Applicant |
(the Applicant's total Adjusted Balance * (Percentage Responsible / 100) in Liabilities where IncludeInApplicationAggregates is true and (Trade Closed Type has a value of Not Closed and Account Type has a value of Installment, Mortgage, Open/30 Day |
|
Application Entity Total_Trades_Balance_Installment_Open_Preloan_Application |
(the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and (Trade Closed Type has a value of Not Closed and Account Type has a value of Installment, Mortgage, Open/30 Day | |
|
Total Trades Balance Medical Open |
Applicant Entity Total_Trades_Balance_Medical_Open_Applicant |
(the Applicant's total (Adjusted Balance * (Percentage Responsible / 100) in Liabilities where Trade Closed Type has a value of Not Closed and Trade Category has a value of Medical) |
|
Application Entity Total_Trades_Balance_Medical_Open_Application |
(the Application's total Adjusted Balance in Liabilities where Trade Closed Type has a value of Not Closed and IncludeInApplicationAggregates is true and Trade Category has a value of Medical) | |
|
Total Trades Balance Open Postloan |
Applicant Entity Total_Trades_Balance_Open_Postloan_Applicant |
(Application's Initial Loan Amount + (the Applicant's total (Adjusted Balance * (Percentage Responsible / 100) in Liabilities where Trade Closed Type has a value of Not Closed)) |
|
Application Entity Total_Trades_Balance_Open_Postloan_Application |
(Application's Initial Loan Amount + (the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed)) | |
|
Total Trades Balance Open Preloan |
Applicant Entity Total_Trades_Balance_Open_Preloan_Applicant |
(the Applicant's total (Adjusted Balance * (Percentage Responsible / 100) in Liabilities where Trade Closed Type has a value of Not Closed)) |
|
Application Entity Total_Trades_Balance_Open_Preloan_Application |
(the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed) | |
|
Total Trades Balance Real Estate Open |
Applicant Entity Total_Trades_Balance_Real_Estate_Open_Applicant |
(the Applicant's total (Adjusted Balance * (Percentage Responsible / 100) in Liabilities where Trade Closed Type has a value of Not Closed and Trade Category has a value of Real Estate)) |
|
Application Entity Total_Trades_Balance_Real_Estate_Open_Application |
(the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and Trade Category has a value of Real Estate) | |
|
Total Trades Balance Revolving Open Postloan |
Applicant Entity Total_Trades_Balance_Revolving_Open_Postloan_Applicant |
If the Application Loan Type has a value of Open End Then (Application Initial Loan Amount + (the Applicant's total Adjusted Balance * (Percentage Responsible / 100) in Liabilities where ITrade Closed Type has a value of Not Closed and (Account Type has a value of Credit Line, or Revolving))) Else (the Applicant's total Adjusted Balance * (Percentage Responsible / 100) in Liabilities whereTrade Closed Type has a value of Not Closed and (Account Type has a value of Credit Line, or Revolving))) |
|
Application Entity Total_Trades_Balance_Revolving_Open_Postloan_Application |
If the Application Loan Type has a value of Open End Then (Application Initial Loan Amount + (the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and (Account Type has a value of Credit Line, or Revolving))) Else (the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and (Account Type has a value of Credit Line, or Revolving) |
|
|
Total Trades Balance Revolving Open Preloan |
Applicant Entity Total_Trades_Balance_Revolving_Open_Preloan_Applicant |
(the Applicant's total Adjusted Balance * (Percentage Responsible / 100) in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and (Account Type has a value of Credit Line, or Revolving))) |
|
Application Entity Total_Trades_Balance_Revolving_Open_Preloan_Application |
(the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and (Account Type has a value of Credit Line, or Revolving) | |
|
Total Trades Balance Secured Open Postloan |
Applicant Entity Total_Trades_Balance_Secured_Open_Postloan_Applicant |
If the Application IsSecured is true Then (Application Initial Loan Amount + (the Applicant's total Adjusted Balance * (Percentage Responsible / 100) in Liabilities where Trade Closed Type has a value of Not Closed and IsSecured is true) Else (the Applicant's total Adjusted Balance * (Percentage Responsible / 100) in Liabilities whereTrade Closed Type has a value of Not Closed and IsSecured is true) |
|
Application Entity Total_Trades_Balance_Secured_Open_Postloan_Application |
If IsSecured is true Then (Application Initial Loan Amount + (the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and IsSecured is true) Else (the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and IsSecured is true) |
|
|
Total Trades Balance Secured Open Preloan |
Applicant Entity Total_Trades_Balance_Secured_Open_Preloan_Applicant |
(the Applicant's total (Adjusted Balance * (Percentage Responsible / 100)) in Liabilities where TradeClosedType has a value of Not Closed and IsSecured is true) |
|
Application Entity Total_Trades_Balance_Secured_Open_Preloan_Application |
(the Application's total (Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and TradeCloseType has a value of Not Closed and IsSecured is true) | |
|
Total Balance Unsecured Open Postloan |
Applicant Entity Total_Trades_Balance_Unsecured_Open_Postloan_Applicant |
If the Application IsSecured is false Then (Application Initial Loan Amount + (the Applicant's total Adjusted Balance * (Percentage Responsible / 100) in Liabilities where Trade Closed Type has a value of Not Closed and IsSecured is false) Else (the Applicant's total Adjusted Balance * (Percentage Responsible / 100) in Liabilities whereTrade Closed Type has a value of Not Closed and IsSecured is false) |
|
Application Entity Total_Trades_Balance_Unsecured_Open_Postloan_Application |
If IsSecured is false Then (Application Initial Loan Amount + (the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and IsSecured is false) Else (the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and IsSecured is false) |
|
|
Total Balance Unsecured Open Preloan |
Applicant Entity Total_Trades_Balance_Unsecured_Open_Preloan_Applicant |
(the Applicant's total (Adjusted Balance * (Percentage Responsible / 100)) in Liabilities where TradeClosedType has a value of Not Closed and IsSecured is false) |
|
Application Entity Total_Trades_Balance_Unsecured_Open_Preloan_Application |
(the Application's total (Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and TradeCloseType has a value of Not Closed and IsSecured is false) | |
|
Total Trades Balance Vehicle Open |
Applicant Entity Total_Trades_Balance_Vehicle_Open_Applicant |
(the Applicant's total (Adjusted Balance * (Percentage Responsible / 100) in Liabilities where Trade Closed Type has a value of Not Closed and (Trade Category has a value of Automobile, Boat/Yacht, or Recreational Vehicle (Camper, Motor Home)))) |
|
Application Entity Total_Trades_Balance_Vehicle_Open_Application |
(the Application's total Adjusted Balance in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and (Trade Category has a value of Automobile, Boat/Yacht, or Recreational Vehicle (Camper, Motor Home))) | |
|
Total Trades Balloon Open Postloan |
Applicant Entity Total_Trades_Balloon_Open_Postloan_Applicant |
(Application Balloon Amount + (the Applicant's total (Balloon Amount * (Percentage Responsible / 100) in Liabilities where Trade Closed Type has a value of Not Closed)) |
|
Application Entity Total_Trades_Balloon_Open_Postloan_Application |
(Application Balloon Amount + (the Application's total Balloon Amount in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed)) | |
|
Total Trades Balloon Open Preloan |
Applicant Entity Total_Trades_Balloon_Open_Preloan_Applicant |
(the Applicant's total (Balloon Amount * (Percentage Responsible / 100) in Liabilities where Trade Closed Type has a value of Not Closed)) |
|
Application Entity Total_Trades_Balloon_Open_Preloan_Application |
(the Application's total Balloon Amount in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed)) | |
|
Total Trades Limit Credit Cards Open |
Applicant Entity Total_Trades_Limit_Credit_Cards_Open_Applicant |
(the Applicant's total (Limit in Liabilities where Trade Closed Type has a value of Not Closed and Trade Category has a value of Credit Card, Department Store, or Miscellaneous Retail)) |
|
Application Entity Total_Trades_Limit_Credit_Cards_Open_Application |
(the Application's total Balloon Amount in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and Trade Category has a value of Credit Card, Department Store, or Miscellaneous Retail)) | |
|
Total Trades Limit Revolving Open Postloan |
Applicant Entity Total_Trades_Limit_Revolving_Open_Postloan_Applicant |
If the Application Loan Type has a value of Open End Then (Application Initial Loan Amount + (the Applicant's total Limit in Liabilities whereTrade Closed Type has a value of Not Closed and (Account Type has a value of Credit Line, or Revolving))) Else (the Applicant's total Limit in Liabilities where Trade Closed Type has a value of Not Closed and (Account Type has a value of Credit Line, or Revolving))) |
|
Application Entity Total_Trades_Limit_Revolving_Open_Postloan_Application |
If the Application Loan Type has a value of Open End Then (Application Initial Loan Amount + (the Application's total Limit in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and (Account Type has a value of Credit Line, or Revolving))) Else (the Application's total Limit in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and (Account Type has a value of Credit Line, or Revolving)) |
|
|
Total Trades Limit Revolving Open Preloan |
Applicant Entity Total_Trades_Limit_Revolving_Open_Preloan_Applicant |
(the Applicant's total Limit in Liabilities whereTrade Closed Type has a value of Not Closed and (Account Type has a value of Credit Line, or Revolving))) |
|
Application Entity l_Trades_Limit_Revolving_Open_Preloan_Application |
(the Application's total Limit in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and (Account Type has a value of Credit Line, or Revolving)) | |
|
Total Trades Limit Unsecured Open Postloan |
Applicant Entity Total_Trades_Limit_Unsecured_Open_Postloan_Applicant |
If the Application IsSecured is false Then (Application Initial Loan Amount + (the Applicant's total Limit * (Percentage Responsible / 100) in Liabilities where Trade Closed Type has a value of Not Closed and IsSecured is false) Else (the Applicant's total Limit * (Percentage Responsible / 100) in Liabilities whereTrade Closed Type has a value of Not Closed and IsSecured is false) |
|
Application Entity Total_Trades_Limit_Unsecured_Open_Postloan_Application |
If IsSecured is false Then (Application Initial Loan Amount + (the Application's total Limit in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and IsSecured is false) Else (the Application's total Limit in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and IsSecured is false) |
|
|
Total Trades Limit Unsecured Open Preloan |
Applicant Entity Total_Trades_Limit_Unsecured_Open_Preloan_Applicant |
(the Applicant's total (Adjusted Limit * (Percentage Responsible / 100)) in Liabilities where TradeClosedType has a value of Not Closed and IsSecured is false) |
|
Application Entity Total_Trades_Limit_Unsecured_Open_Preloan_Application |
(the Application's total (Adjusted Limit in Liabilities where IncludeInApplicationAggregates is true and TradeCloseType has a value of Not Closed and IsSecured is false) | |
|
Total Trades Payment Installment Open Postloan |
Applicant Entity Total_Trades_Payment_Installment_Open_Postloan_Applicant |
If Application LoanType has a value of “Closed End” Then (Set the aggregate “Total Trades Payment Installment Open Postloan” for the applicant to ((Application MonthlyPaymentAmount plus Application LoanRealEstate TotMthlyPaymentAmt) plus (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by TradeClosedType has a value of “Not Closed” and AccountType has a value of “Installment, Mortgage, Open/30 day)) Else (Set the aggregate “Total Trades Payment Installment Open Postloan” for the applicant to (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by TradeClosedType has a value of “Not Closed” and AccountType has a value of Installment, Mortgage, Open/30 day) |
|
Application Entity Total_Trades_Payment_Installment_Open_Postloan_Application |
If LoanType has a value of “Closed End” Then (Set the aggregate “Total Trades Payment Installment Open Postloan” for the application to ((MonthlyPaymentAmount plus LoanRealEstate TotMthlyPaymentAmt) plus (the total of AdjustedMonthlyPayment in Liabilities filtered by IncludeInApplicationAggregate is true and TradeClosedType has a value of “Not Closed” and AccountType has a value of “Installment, Mortgage, Open/30 day”)) Else (Set the aggregate “Total Trades Payment Installment Open Postloan” for the application to (the total of AdjustedMonthlyPayment in Liabilities filtered by IncludeInApplicationAggregate is true and TradeClosedType has a value of “Not Closed” and AccountType has a value of “Installment, Mortgage, Open/30 day”) |
|
|
Total Trades Payment Installment Open Preloan |
Applicant Entity Total_Trades_Payment_Installment_Open_Preloan_Applicant |
(the Applicant's total Adjusted Monthly Payment * (Percentage Responsible / 100) in Liabilities where (Trade Closed Type has a value of Not Closed and Account Type has a value of Installment, Mortgage, Open/30 Day))) |
|
Application Entity Total_Trades_Payment_Installment_Open_Preloan_Application |
(the Application's total Adjusted Monthly Payment in Liabilities where IncludeInApplicationAggregates is true and (Trade Closed Type has a value of Not Closed and Account Type has a value of Installment, Mortgage, Open/30 Day)) | |
|
Total Trades Payment Open Postloan |
Applicant Entity Total_Trades_Payment_Open_Postloan_Applicant |
Set the aggregate “Total Trades Payment Open Postloan” for the applicant to ((Application MonthlyPaymentAmount plus Application LoanRealEstate TotMthlyPaymentAmt) plus (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by TradeClosedType has a value of “Not Closed”)) |
|
Application Entity Total_Trades_Payment_Open_Postloan_Application |
Set the aggregate “Total Trades Payment Open Postloan” for the application to ((MonthlyPaymentAmount plus LoanRealEstate TotMthlyPaymentAmt) plus (the total of AdjustedMonthlyPayment in Liabilities filtered by IncludeInApplicationAggregate is true and TradeClosedType has a value of “Not Closed”)) | |
|
Total Trades Payment Open Preloan |
Applicant Entity Total_Trades_Payment_Open_Preloan_Applicant |
(the Applicant's total Adjusted Monthly Payment * (Percentage Responsible / 100) in Liabilities where (Trade Closed Type has a value of Not Closed))) |
|
Application Entity Total_Trades_Payment_Open_Preloan_Application |
(the Application's total Adjusted Monthly Payment in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed) | |
|
Total Trades Payment Revolving Open Postloan |
Applicant Entity Total_Trades_Payment_Revolving_Open_Postloan_Applicant |
If Application LoanType has a value of “Open End”
Then (Set the aggregate “Total Trades Payment Revolving Open Postloan” for the applicant to ((Application MonthlyPaymentAmount plus Application LoanRealEstate TotMthlyPaymentAmt) plus (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by TradeClosedType has a value of “Not Closed” and AccountType has a value of “Credit Line, Revolving”)) Else (Set the aggregate “Total Trades Payment Revolving Open Postloan” for the applicant to (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by TradeClosedType has a value of “Not Closed” and AccountType has a value of “Credit Line, Revolving”) |
|
Application Entity Total_Trades_Payment_Revolving_Open_Postloan_Application |
If LoanType has a value of “Open End”
Then (Set the aggregate “Total Trades Payment Revolving Open Postloan” for the application to ((MonthlyPaymentAmount plus LoanRealEstate TotMthlyPaymentAmt) plus (the total of AdjustedMonthlyPayment in Liabilities filtered by IncludeInApplicationAggregate is true and TradeClosedType has a value of “Not Closed” and AccountType has a value of “Credit Line, Revolving”)) Else (Set the aggregate “Total Trades Payment Revolving Open Postloan” for the application to (the total of AdjustedMonthlyPayment in Liabilities filtered by IncludeInApplicationAggregate is true and TradeClosedType has a value of “Not Closed” and AccountType has a value of “Credit Line, Revolving”) |
|
|
Total Trades Payment Revolving Open Preloan |
Applicant Entity Total_Trades_Payment_Revolving_Open_Preloan_Applicant |
(the Applicant's total Adjusted Monthly Payment * (Percentage Responsible / 100) in Liabilities whereTrade Closed Type has a value of Not Closed and (Account Type has a value of Credit Line, or Revolving))) |
|
Application Entity Total_Trades_Payment_Revolving_Open_Preloan_Application |
(the Application's total Adjusted Monthly Payment in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and (Account Type has a value of Credit Line, or Revolving)) | |
|
Total Trades Payment Secured Open Postloan |
Applicant Entity Total_Trades_Payment_Secured_Open_Postloan_Applicant |
If Application IsSecured is true Then (Set the aggregate “Total Trades Payment Secured Open Postloan” for the applicant to ((Application MonthlyPaymentAmount plus Application LoanRealEstate TotMthlyPaymentAmt) plus (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by TradeClosedType has a value of “Not Closed” and IsSecured is true)) Else (Set the aggregate “Total Trades Payment Secured Open Postloan” for the applicant to (the total of (AdjustedMonthlyPayment multiplied by (PercentageResponsible divided by 100)) in Liabilities filtered by TradeClosedType has a value of “Not Closed” and IsSecured is true) |
|
Application Entity Total_Trades_Payment_Secured_Open_Postloan_Application |
If IsSecured is true Then( Set the aggregate “Total Trades Payment Secured Open Postloan” for the application to ((MonthlyPaymentAmount plus LoanRealEstate TotMthlyPaymentAmt) plus (the total of AdjustedMonthlyPayment in Liabilities filtered by IncludeInApplicationAggregate is true and TradeClosedType has a value of “Not Closed” and IsSecured is true)) Else (Set the aggregate “Total Trades Payment Secured Open Postloan” for the application to (the total of AdjustedMonthlyPayment in Liabilities filtered by IncludeInApplicationAggregate is true and TradeClosedType has a value of “Not Closed” and IsSecured is true) |
|
|
Total Trades Payment Secured Open Preloan |
Applicant Entity |
(the Applicant's total (Adjusted Monthly Payment * (Percentage Responsible / 100)) in Liabilities where TradeClosedType has a value of Not Closed and IsSecured is true) |
|
Application Entity |
(the Application's total (Adjusted Monthly Payment in Liabilities where IncludeInApplicationAggregates is true and TradeCloseType has a value of Not Closed and IsSecured is true) | |
|
Total Trade Payment Unsecured Open Postloan |
Applicant Entity Total_Trades_Payment_Unsecured_Open_Postloan_Applicant |
If the Application IsSecured is false Then (Application Monthly Payment Amount + (the Applicant's total Adjusted Monthly Payment * (Percentage Responsible / 100) in Liabilities whereTrade Closed Type has a value of Not Closed and IsSecured is false) Else (the Applicant's total Adjusted Monthly Payment * (Percentage Responsible / 100) in Liabilities whereTrade Closed Type has a value of Not Closed and IsSecured is false) |
|
Application Entity Total_Trades_Payment_Unsecured_Open_Postloan_Application |
If IsSecured is false Then (Application Monthly Payment Amount + (the Application's total Adjusted Monthly Payment in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and IsSecured is false)) Else (the Application's total Adjusted Monthly Payment in Liabilities where IncludeInApplicationAggregates is true and Trade Closed Type has a value of Not Closed and IsSecured is false) |
|
|
Total Trades Payment Unsecured Open Preloan |
Applicant Entity Total_Trades_Payment_Unsecured_Open_Preloan_Applicant |
(the Applicant's total (Adjusted Monthly Payment * (Percentage Responsible / 100)) in Liabilities where TradeClosedType has a value of Not Closed and IsSecured is false) |
|
Application Entity Total_Trades_Payment_Unsecured_Open_Preloan_Application |
(the Application's total (Adjusted Monthly Payment in Liabilities where IncludeInApplicationAggregates is true and TradeCloseType has a value of Not Closed and IsSecured is false) | |
|
Total Trades Payment Vehicle Open |
Applicant Entity Total_Trades_Payment_Vehicle_Open_Applicant |
(the Applicant's total Adjusted Monthly Payment * (Percentage Responsible / 100) in Liabilities where (Trade Closed Type has a value of Not Closed and Trade Category has a value of Automobile, Boat/Yacht, Recreational Vehicle (Camper, Motor Home))) |
|
Application Entity Total_Trades_Payment_Vehicle_Open_Application |
(the Application's total Adjusted Monthly Payment in Liabilities where IncludeInApplicationAggregates is true and (Trade Closed Type has a value of Not Closed and Trade Category has a value of Automobile, Boat/Yacht, Recreational Vehicle (Camper, Motor Home))) |
|
Aggregates are assigned at the sub-product level. |
Review the aggregates for any amounts of values that do not align with the institution’s lending or new account guidelines to assist in rendering a decision.
Aggregates may change during the following application events:
|
Concurrent application values are added during the Decision process. This can cause aggregate values to differ between the first calculate and decision because additional liabilities are added by the decision. |
 |
If desired, system administrators can author a rule using The Applicant with the Highest/Lowest Aggregate Value template to set application details based on the applicant with the highest or lowest value for a specific aggregate. For more information, please see the rule vocabulary template example for The Applicant with the Highest or Lowest Aggregate or Ratio Value in the Administrator Guide. |
Depending on the configuration of the underwriting review screen, a panel may be assigned to display applicant and application ratios such as Debt To Income Pre-Loan, Debt To Income Post-Loan, Loan To Value, and Revolving Debt.
| Ratio Name | Rule Entity Level and Name | Calculation |
| Annual Unsecured Debt to Income Postloan |
Applicant Entity Annual_Unsecured_DTI_Postloan_Applicant |
If Applicant's Total Income = 0 Then 0 Else (Applicant's Total Trades Payment Unsecured Open Postloan / Applicant's Total Income) * 12 |
|
|
Application Entity Annual_Unsecured_DTI_Postloan_Application |
If Application's Total Income = 0 Then 0 Else (Application's Total Trades Payment Unsecured Open Postloan / Application's Total Income) * 12 |
|
Annual Unsecured Debt to Income Preloan |
Applicant Entity Annual_Unsecured_DTI_Preloan_Applicant |
If Applicant’s Total Income = 0 Then 0 Else (Applicant's Total Trades Payment Unsecured Open Preloan / Applicant’s Total Income) * 12 |
|
|
Application Entity Annual_Unsecured_DTI_Preloan_Application |
If Application’s Total Income = 0 Then 0 Else (Application's Total Trades Payment Unsecured Open Preloan / Application’s Total Income) * 12 |
|
Capacity Postloan |
Applicant Entity Capacity_Postloan_Applicant |
If Applicant’s Total Trades Limit Revolving Open Postloan = 0 Then 0 Else Applicant's Total Trades Balance Revolving Open Postloan / Applicant's Total Trades Limit Revolving Open Postloan |
|
|
Application Entity Capacity_Postloan_Application |
If Application’s Total Trades Limit Revolving Open Postloan = 0 Then 0 Else Application's Total Trades Balance Revolving Open Postloan / Application's Total Trades Limit Revolving Open Postloan |
|
Capacity Preloan |
Applicant Entity Capacity_Preloan_Applicant |
If Applicant’s Total Trades Limit Revolving Open Preloan = 0 Then 0 Else Applicant's Total Trades Balance Revolving Open Preloan / Applicant's Total Trades Limit Revolving Open Preloan |
|
|
Application Entity Capacity_Preloan_Application |
If Application’s Total Trades Limit Revolving Open Preloan = 0 Then 0 Else Application's Total Trades Balance Revolving Open Preloan / Application's Total Trades Limit Revolving Open Preloan |
|
Combined Loan To Value |
Application Entity Combined_LTV_Application |
If (Total Collateral Value – total Liens) = 0 then 0 Else (If Application is Decisioned, Disbursed or is in Pending Disbursement status then Combined LTV = (FinalLoanAmount + TotalLienAmount) / TotalColateralValue Else Combined LTV = (InitialLoanAmount + TotalLienAmount) / TotalColateralValue |
|
Debt To Income Expenses Postloan |
Applicant Entity DTI_Expenses_Postloan_Applicant |
If Applicant's Total Income = 0 Then 0 Else Application Total Expenses Payment Postloan / Application Total Income |
|
|
Application Entity DTI_Expenses_Postloan_Application |
If Application's Total Income = 0 then 0 Else Application Total Expenses Payment Postloan / Application Total Income |
|
Debt to Income Expenses Preloan |
Applicant Entity DTI_Expenses_Preloan_Applicant |
If Applicant's Total Income = 0 Then 0 Else Applicant Total Expenses Payment Preloan / Applicant Total Income |
|
|
Application Entity DTI_Expenses_Preloan_Application |
If Application 'sTotal Income = 0 then 0 Else Application's Total Expenses Payment Preloan / Application's Total Income |
|
Debt To Income Trades Open Postloan |
Applicant Entity DTI_Trades_Open_Postloan_Applicant |
If Applicant's Total Income = 0 Then 0 Else Applicant's Total Trades Payment Open Postloan /Applicant's Total Income |
|
|
Application Entity DTI_Trades_Open_Postloan_Application |
If Application 'sTotal Income = 0 then 0 Else Application's Total Trades Payment Open Postloan / Application'sTotal Income |
| Debt To Income Trades Open Preloan |
Applicant Entity DTI_Trades_Open_Preloan_Applicant |
If Applicant's Total Income = 0 Then 0 Else Applicant's Total Trades Payment Open Preloan / Applicant's Total Income |
|
Application Entity DTI_Trades_Open_Preloan_Application |
If Application's Total Income = 0 then 0 Else Application's Total Trades Payment Open Preloan / Application'sTotal Income |
|
| Housing Debt To Income Postloan |
Applicant Entity Housing_DTI_Postloan_Applicant |
If Applicant's Total Income = 0 Then 0 Else Applicant's Total Expenses Payment Housing Postloan / Applicant's Total Income |
|
Application Entity Housing_DTI_Postloan_Application |
If Application 'sTotal Income = 0 then 0 Else Application's Total Expenses Payment Housing Postloan / Application's Total Income |
|
| Housing Debt To Income Preloan |
Applicant Entity Housing_DTI_Preloan_Applicant |
If Applicant's Total Income = 0 Then 0 Else Applicant's Total Expenses Payment Housing Preloan / Applicant's Total Income |
|
Application Entity Housing_DTI_Preloan_Application |
If Application 'sTotal Income = 0 then 0 Else Application's Total Expenses Payment Housing Preloan / Application's Total Income |
|
| Loan Payment to Income |
Applicant Entity Loan_Payment_To_Income_Applicant
|
If Applicant's Total Income = 0 Then 0 Else Application Payment Amount / Applicant's Total Income |
|
Application Entity Loan_Payment_To_Income_Application |
If Application's Total Income = 0 then 0 Else Application Payment Amount / Application's Total Income |
|
| Loan To Value |
Application Entity LTV_Application |
If Total Collateral Value = 0 then 0 Else (If Application is Decisioned, Disbursed or is in Pending Disbursement status then LTV = FinalLoanAmount / TotalColateralValue Else LTV = InitialLoanAmount / TotalColateralValue |
| Revolving Balance To Annual Income Postloan |
Applicant Entity Revolving_Balance_To_Annual_Income_Postloan_Applicant |
If Applicant's Total Income = 0 Then 0 Else Applicant's Total Trades Balances Revolving Open Postloan / (Applicant's Total Income * 12) |
|
Application Entity Revolving_Balance_To_Annual_Income_Postloan_Application |
If Application 'sTotal Income = 0 then 0 Else Application's Total Trades Balances Revolving Open Postloan / (Application's Total Income * 12) |
|
| Revolving Balance To Annual Income Preloan |
Applicant Entity Revolving_Balance_To_Annual_Income_Preloan_Applicant |
If Applicant's Total Income = 0 Then 0 Else Applicant's Total Trades Balances Revolving Open Preloan / (Applicant's Total Income * 12) |
|
Application Entity Revolving_Balance_To_Annual_Income_Preloan_Application |
If Application 'sTotal Income = 0 then 0 Else Application's Total Trades Balances Revolving Open Preloan / (Application's Total Income * 12) |
|
| Revolving Debt To Income Postloan |
Applicant Entity Revolving_DTI_Postloan_Applicant |
If Applicant's Total Income = 0 Then 0 Else Applicant's Total Trades Payment Revolving Open Postloan / Applicant's Total Income |
|
Application Entity Revolving_DTI_Postloan_Application |
If Application 'sTotal Income = 0 then 0 Else Application's Total Trades Payment Revolving Open Postloan / Application's Total Income |
|
| Revolving Debt To Income Preloan |
Applicant Entity Revolving_DTI_Preloan_Applicant |
If Applicant's Total Income = 0 Then 0 Else Applicant's Total Trades Payment Revolving Open Preloan / Applicant's Total Income |
|
Application Entity Revolving_DTI_Preloan_Application |
If Application 'sTotal Income = 0 then 0 Else Application's Total Trades Payment Revolving Open Preloan / Application's Total Income |
|
| Revolving Limit To Annual Income Postloan |
Applicant Entity Revolving_Limit_To_Annual_Income_Postloan_Applicant |
If Applicant's Total Income = 0 Then 0 Else Applicant's Total Trades Limit Revolving Open Postloan / (Applicant's Total Income *12) |
|
Application Entity Revolving_Limit_To_Annual_Income_Postloan_Application |
If Applicant's Total Income = 0 Then 0 Else Application's Total Trades Limit Revolving Open Postloan / (Application's Total Income *12) |
|
| Revolving Limit To Annual Income Preloan |
Applicant Entity Revolving_Limit_To_Annual_Income_Preloan_Applicant |
If Applicant's Total Income = 0 Then 0 Else Applicant's Total Trades Limit Revolving Open Preloan / (Applicant's Total Income *12) |
|
Application Entity Revolving_Limit_To_Annual_Income_Preloan_Application |
If Applicant's Total Income = 0 Then 0 Else Application's Total Trades Limit Revolving Open Preloan / (Application's Total Income *12) |
|
| Unsecured Balance To Annual Income Postloan |
Applicant Entity Unsecured_Balance_To_Annual_Income_Postloan_Applicant |
If Applicant's Total Income = 0 Then 0 Else Applicant's Total Expenses Balance Unsecured Postloan / (Applicant's Total Income *12) |
|
Application Entity Unsecured_Balance_To_Annual_Income_Postloan_Application |
If Applicant's Total Income = 0 Then 0 Else Application's Total Expenses Balance Unsecured Postloan / (Application's Total Income *12) |
|
| Unsecured Balance To Annual Income Preloan |
Applicant Entity Unsecured_Balance_To_Annual_Income_Preloan_Applicant |
If Applicant's Total Income = 0 Then 0 Else Applicant's Total Expenses Balance Unsecured Preloan / (Applicant's Total Income *12) |
|
Application Entity Unsecured_Balance_To_Annual_Income_Preloan_Application |
If Applicant's Total Income = 0 Then 0 Else Application's Total Expenses Balance Unsecured Preloan / (Application's Total Income *12) |
|
| Unsecured Balance To Annual Income FI Postloan |
Applicant Entity Unsecured_Balance_To_Annual_Income_FI_Postloan_Applicant |
If Applicant's Total Income = 0 Then 0 Else Applicant's Total Expenses Balance Unsecured FI Postloan / (Applicant's Total Income *12) |
|
Application Entity Unsecured_Balance_To_Annual_Income_FI_Postloan_Application |
If Applicant's Total Income = 0 Then 0 Else Application's Total Expenses Balance Unsecured FI Postloan / (Application's Total Income *12) |
|
| Unsecured Balance To Annual Income FI Preloan |
Applicant Entity Unsecured_Balance_To_Annual_Income_FI_Preloan_Applicant |
If Applicant's Total Income = 0 Then 0 Else Applicant's Total Expenses Balance Unsecured FI Preloan / (Applicant's Total Income *12) |
|
Application Entity Unsecured_Balance_To_Annual_Income_FI_Preloan_Application |
If Applicant's Total Income = 0 Then 0 Else Application's Total Expenses Balance Unsecured FI Preloan / (Application's Total Income *12) |
|
| Unsecured Debt To Income Postloan |
Applicant Entity Unsecured_DTI_Postloan_Applicant |
If Applicant's Total Income = 0 Then 0 Else Applicant's Total Trades Payment Unsecured Open Postloan / (Applicant's Total Income *12) |
|
Application Entity Unsecured_DTI_Postloan_Application |
If Applicant's Total Income = 0 Then 0 Else Application's Total Trades Payment Unsecured Open Postloan / (Application's Total Income *12) |
|
| Unsecured Debt To Income Preloan |
Applicant Entity Unsecured_DTI_Preloan_Applicant |
If Applicant's Total Income = 0 Then 0 Else Applicant's Total Trades Payment Unsecured Open Preloan / (Applicant's Total Income *12) |
|
Application Entity Unsecured_DTI_Preloan_Application |
If Applicant's Total Income = 0 Then 0 Else Application's Total Trades Payment Unsecured Open Preloan / (Application's Total Income *12) |
|
Ratios are assigned at the sub-product level. |
Review the ratios for any values that do not align with the institution’s lending or new account guidelines to assist in rendering a decision.
Ratios may change during the following application events:
|
Concurrent application values are added during the Decision process. This can cause ratio values to differ between the first calculate and decision because additional liabilities added are by the decision. |
|
If desired, system administrators can author a rule using The Applicant with the Highest/Lowest Ratio Value template to set application details based on the applicant with the highest or lowest value for a specific ratio. For more information, please see the rule vocabulary template example for The Applicant with the Highest or Lowest Aggregate or Ratio Value in the Administrator Guide. |
Review the ratios for any values that do not align with the institution’s lending or new account guidelines prior to rendering a decision.
The Scores panel displays all score models associated to the application and the specific scores for each applicant. It also shows what the Average, High, and Low scores are for the application.
Review the scores for any values that do not align with the institution’s lending or new account guidelines prior to rendering a decision
The Loan Review Indicators and Account Review Indicators panels display various indicators to highlight the status of particular decision criteria and allow institutions to review any indicators that do not align with their lending or new account guidelines prior to rendering a decision.
Within the Loan Review Indicators panel, all of the review indicators related to an application's Loan decision are displayed in alpha-numeric order by name.
Within the Account Review Indicators panel, all of the review indicators related to an application's Account decision are displayed.
Depending on the configuration of the Underwriting Review screen, the Loan Review Indicators and/or Account Review Indicators panel may be assigned to display review indicators such as:
| Icon | Description |
|
|
The application has successfully passed that decision criteria. |
|
|
The application needs to be reviewed further to make a decision based on that criteria. |
|
|
The application has failed that decision criteria. |
|
When a counteroffer is accepted, the original review indicators that are attached to an application are replaced by new counteroffer review indicators. |
Each time an application is decisioned, the review indicators assigned to the application type's decision models are executed and populate in the Loan Review Indicators or Account Review Indicators panel. When an application is re-decisioned, the previous review indicators are cleared and new indicators are applied according to the updated application criteria.
|
When a decision is removed from an application, the existing review indicators remain on the application; they do not get cleared. |
However, if both an account and loan decision are required for an application, there are instances where indicators for the loan decision are not removed.
The table below provides an overview of the behavior for review indicators when an application includes both an account and loan decision:
| Loan Decision | Loan Review Indicators Set | Account Decision | Account Review Indicators Set | Behavior of Indicators on Re-Decision |
|
Decision - None Status - Pending Review |
Loan Review Indicators are set on the application and populate in the Loan Review Indicators panel. |
Decision - None Status - In Progress |
No Account Review Indicators are set on the application. |
Loan Review Indicators - When the application is re-decisioned, all existing Loan review indicators are cleared and new Loan review indicators are applied according to the updated application criteria.
Account Review Indicators - Nothing occurs since an Account decision was not rendered and no Account review indicators existed on the application. |
|
Decision - Approved Status - Decisioned |
Loan Review Indicators are set on the application and populate in the Loan Review Indicators panel. |
Decision - None Status - Pending Review |
Account Review Indicators are set on the application and populate in the Account Review Indicators panel. |
Loan Review Indicators - When the application is re-decisioned for the Account decision, the existing Loan review indicators remain on the application. The loan review indicators are not cleared since the loan was already decisioned.
Account Review Indicators - When the application is re-decisioned, all existing Account review indicators are cleared and new Account review indicators are applied according to the updated application criteria. |
|
Decision - Approved Status - Decisioned |
Loan Review Indicators are set on the application and populate in the Loan Review Indicators panel. | Decision - Approved Status - Decisioned | Account Review Indicators are set on the application and populate in the Account Review Indicators panel. | If the decision is removed from the application, all Loan and Account review indicators are cleared and new Loan and Account review indicators are applied when the application is re-decisioned. |
Depending on the configuration of the underwriting review screen, a panel may be assigned that allows users to view any applications to which the current applicants are associated, such as those from a third party or promotional offer.
Users are able to open an application from the list by double-clicking the appropriate row in the grid.
Depending on the configuration of the underwriting review screen, a panel may be assigned that allows users to view the collateral associated with the current application.
|
For more information on collateral, see the Collateral topic within the Origination section. |
Depending on the configuration of the underwriting review screen, a panel may be assigned that allows users to view the information associated with the vehicle that was traded in.
The Stipulations panel may be assigned to allow users to view and maintain the conditions required to approve and/or disburse an application.
|
For more information on stipulations, see the Stipulations Panel topic within the Decision Processing section. |
The To-dos panel may be assigned to allow users to view all outstanding To-dos and Stipulations that are required to decision or disburse the current application, as well as complete manual To-dos.
|
For more information on the To-Dos panel, see the To-Do Panel topic within the Decision Processing section. |
The Fees panel may be assigned to allow users to add and maintain application and processing fees while completing an application’s underwriting review process.
|
For more information on the Fees panel, see the Fees Panel topic within the Decision Processing section. |
The Counteroffer panel enables users to create one or more counteroffers that contain alternative loan terms that are more desirable to the institution.
This panel contains a toolbar that allows users to perform the following functions:
| Icon | Title | Description | ||||||
|
|
Add |
Allows a user to create a counteroffer to the application. When counteroffer is added to the application. |
||||||
|
|
Edit |
Allows a user to edit a counteroffer currently on the application.
|
||||||
|
|
Delete |
Allows a user to remove a counteroffer from the application. When a counteroffer is deleted, a row is removed from the counteroffer grid.
|
||||||
|
|
Send to Third Party |
Allows a user to send the selected counteroffer to the indirect connector that submitted the application.
|
Each counteroffer populates as a separate row within a grid containing the following columns:
| Column Name | Description |
| Status |
Indicates whether the counteroffer was accepted or rejected. |
| Approved Amount | Indicates the countered loan amount. |
| Term | Indicates the countered loan term (months). |
| Interest Rate | Indicates the countered interest rate. |
| Payment | Indicates the countered payment amount. |
| Goals | A check box that indicates if the counteroffer has goal aggregates and/or ratios. |
| Stipulations | A check box that indicates if the counteroffer has stipulations. |
| Comments | A check box that indicates if the counteroffer has comments. |
| Requires Review | A check box that indicates if the counteroffer requires underwriting review. |
| Counteroffer Decision | Indicates the counteroffer decision. |
|
The Counteroffer panel may be assigned to any user-defined application screen. It may also be assigned to its own exclusive screen. |
Depending on the configuration of the underwriting review screen, users may be able to create one or more counteroffers that contain alternative loan terms that are more desirable to the institution.
From the counteroffers panel, users are able to view and maintain counteroffers.
|
For more information on maintaining counteroffers, see the Counteroffer topic within the Decision Processing section. |
If configured by the system administrator, the Cross-sells panel may appear within the Underwriting Review screen to provide users with the ability to review cross-sells that currently exist on the application, as well as create additional non-loan cross-sells.
By default, the Cross-sells panel displays existing cross-sells within product cards. If the application does not have any existing cross-sells, a message is displayed indicating that the user must regenerate the opportunities within the Cross-sell screen in order for cross-sells to appear within the panel.
|
If configured within System Management > Origination > Screens, the Cross-sells panel may contain tabs, which separate Non-loan Cross-sell opportunites from Loan Cross-sell opportunities.
|
Clicking 
within the Cross-sells panel allows users to select the desired non-loan cross-sell product and enter details about the new cross-sell to add to the application.
|
is enabled and disabled according to the Add Non-loan Cross-sell editability option configured by a system administrator in System Management > Origination > Editability. |
|
Non-loan cross-sells marked as Active within System Management > Origination > Cross-sell Products are displayed within the Add Non-loan Cross-sell drop-down. |
Clicking 
within the Cross-sells panel allows users to refresh the Underwriting Review screen.
|
Unlike the Cross-sells screen, the Cross-sells panel does not include the Liabilities tab or the Regenerate Opportunities button. |
|
For more information on adding cross-sells to an application, please see the Cross-Sells topic within the Approval section of this guide. |
List of Aggregates
