Underwriting Analytics
Decision engine performance, risk factor analysis, and approval patterns
Applications Processed
1,240
↑+6% MoM
Auto-Approved
42%
↑+3.5%
Manual Review
38%
↓-2.1%
Declined
20%
→Stable
Risk Factor Scoring
Credit Score Distribution
1,240Apps
Excellent (750+)28
Good (700-749)34
Fair (650-699)22
Below 65016
Auto vs Manual Decisions (6 months)
Auto
Manual
Oct
145
Oct (M)
98
Nov
152
Nov (M)
92
Dec
138
Dec (M)
105
Jan
160
Jan (M)
88
Feb
168
Feb (M)
95
Mar
174
Mar (M)
82
Approval Rate by DTI × Credit Score (%)
750+
700-749
650-699
< 650
DTI < 30%
96
92
78
52
DTI 30-36%
88
82
65
38
DTI 36-43%
72
64
48
22
DTI 43%+
45
35
20
8