Loan Underwriting Ratios Demo
Access key financial ratios used in mortgage underwriting, then certify results,
providing lenders with certifiable metrics to mitigate default risk.
Access key financial ratios used in mortgage underwriting, then certify results, providing lenders with certifiable metrics to mitigate default risk.
Access key financial ratios used in mortgage underwriting, then certify results,
providing lenders with certifiable metrics to mitigate default risk.
Consistent
Same input → same output
Consistent
Same input → same output
Fast
Get an answer instantly
Fast
Get an answer instantly
Results
Proof + results + constraints
Results
Proof + trace + constraints
Results
Proof + trace + constraints
Certified
Certified before release
Certified
Certified before release
Certified
Certified before release
Scenario + Inputs
Overview
Select an input dataset, modify scenario values, and verify key loan metrics like loan-to-value ratio, debt-to-income ratio, and reserve months to assess borrower risk.
What this demo shows
CERTIFIED
We can prove the math behind the checks (even if a check is TRUE or FALSE).
NOT CERTIFIED
We cannot prove at least one check, so we fail closed.
TRUE / FALSE
Whether a rule passed. Loan approval is a separate decision.
Loaded scenario
Sample A (CERTIFIED, all TRUE)
Workflow: Income ratios (DTI/PTI)
Property + loan
Property value
Down payment
Annual rate
6.25%
Term (years)
Loan amount
$487,500.00
Monthly P&I (demo)
$3,001.62
Escrows + reserves
Monthly taxes
Monthly insurance
Monthly HOA
Liquid reserves
Monthly PITI
$3,816.62
Reserves coverage
22.27 months
Borrower / cashflow
Monthly gross income
Monthly debts
Annual NOI
This demo certifies math control checks. It does not approve or deny loans.
Policy Controls
Mode: Income ratios (DTI/PTI)Overview
Modify tolerance levels for ratio checks. Certification failure indicates debt ratios may signal a risk of default.
LTV max
Reserves minimum
DTI max
PTI max
Derived metrics (informational)
LTV
Loan-to-value
75.00%
DTI
Debt-to-income
31.55%
PTI
Payment-to-income
27.26%
Reserves
Months of PITI
22.27
Policy controls define thresholds. Certification determines whether each check is provable.
Result Summary
Overview
Once certification is complete, receive a receipt showing the derived ratio results and traceable inputs.
—
Run certification to generate a receipt.
Run stats
Kernel version
—
Execution time
—
Checks
—
Checks performed
Run certification to populate checks.
Scenario + Inputs
Overview
Select an input dataset, modify scenario values, and verify key loan metrics like loan-to-value ratio, debt-to-income ratio, and reserve months to assess borrower risk.
What this demo shows
CERTIFIED
We can prove the math behind the checks (even if a check is TRUE or FALSE).
NOT CERTIFIED
We cannot prove at least one check, so we fail closed.
TRUE / FALSE
Whether a rule passed. Loan approval is a separate decision.
Loaded scenario
Sample A (CERTIFIED, all TRUE)
Workflow: Income ratios (DTI/PTI)
Property + loan
Property value
Down payment
Annual rate
6.25%
Term (years)
Loan amount
$487,500.00
Monthly P&I (demo)
$3,001.62
Escrows + reserves
Monthly taxes
Monthly insurance
Monthly HOA
Liquid reserves
Monthly PITI
$3,816.62
Reserves coverage
22.27 months
Borrower / cashflow
Monthly gross income
Monthly debts
Annual NOI
This demo certifies math control checks. It does not approve or deny loans.
Policy Controls
Mode: Income ratios (DTI/PTI)Overview
Modify tolerance levels for ratio checks. Certification failure indicates debt ratios may signal a risk of default.
LTV max
Reserves minimum
DTI max
PTI max
Derived metrics (informational)
LTV
Loan-to-value
75.00%
DTI
Debt-to-income
31.55%
PTI
Payment-to-income
27.26%
Reserves
Months of PITI
22.27
Policy controls define thresholds. Certification determines whether each check is provable.
Result Summary
Overview
Once certification is complete, receive a receipt showing the derived ratio results and traceable inputs.
—
Run certification to generate a receipt.
Run stats
Kernel version
—
Execution time
—
Checks
—
Checks performed
Run certification to populate checks.
