What changes
Where the hours go today, what the page takes on from the loan file to approval, what stays with your people, and what a leader can measure.
Updated 2026-09-26
What changes
A difficult file has two slow parts. The income, which one person turns from a stack of documents into a qualifying figure with the guide open beside them. And the structure, which waits for DU or LP to come back short and then for the restructure specialist: read the report, choose a move from experience, change the loan in EASE, rerun, wait, read the next report.
The page takes on both, starting from the loan file, before the first AUS run. The judgment stays with your people, and the real AUS still decides.
What the page takes on
- The reading. The loan file and every document read once into facts, each anchored to its field or to the words on its page. DU and LP reports in their published layouts are read by code in a fraction of a second.
- The income. The qualifying monthly figure under the agency rules for that income type and program, with the rule and the page behind every step.
- The checks. The loan's terms worked out from the loan file, and every published limit checked against them before any AUS run: DTI, LTV, the county loan limit, the eligibility matrix, funds to close and reserves, each with its arithmetic and its rule.
- The options. Every structure the file allows, searched and ranked for the borrower: no extra cash at closing first, then the least, then the fewest changes, then your shop's order. Where several limits fail at once, one combined change that clears them all.
- The rounds. The AUS's answer read back in and the next option worked out from it, round after round, until the loan is approved or no legitimate change is left.
What stays with your people
- The run. The loan officer copies the option for EASE, enters it, and runs DU or LP there.
- The choice. Every option comes with the borrower's cash, the payment, the DTI and the LTV after it. The loan officer and the borrower choose.
- The grey cases. A fact the files cannot settle is asked once, with the page it came from.
- The exceptions. A result goes to an assigned specialist with one link, for the files where every legitimate change has closed.
What a leader can measure
From the first month, from the events your environment keeps and the follow-up your people record on each result.
| Measure | What it shows |
|---|---|
| Non-approve files resolved without the specialist | How much of the restructure queue the page absorbs |
| Time from the AUS's answer to the next option | The wait the specialist's queue used to add |
| Rounds to approval | Whether the first option tends to be the right one |
| First-option success | Whether the ranking is working, and where your outcome history reorders it |
| Escalation rate | The share of files that still reach a specialist |
| Agreed exhaustion | How often a specialist agrees that no legitimate change was left |
| Income accepted without correction | How often the income figure stands as worked out |
| Time from documents to the figure | Minutes on a packet, measured in your own environment |