Retail Monitoring Reports

•  Production Reports

This report examines the operation of the retail channel. It is typically used to assess the underwriting and pricing performance per loan officer in a descending (default) or ascending order. In addition to the loan officer, processor, underwriter, channel or branch can also be target of evaluation. The report contains the following information for each investigative target:

•  Application and Loan Count

•  Origination rate

•  Denial rate

•  Fallout rate

•  Average Credit Score 1

•  Average Credit Score 2

•  Average APR

•  Average True Spread

•  Average HMDA Spread

• Overage/Underage Reports

The Overage/Underage Summary report summarizes the overage and underage by race in the retail sector. The investigation can be narrowed down to individual loan officer, processor, and underwriter or broadened to the branch or channel. It provides information on the incidence and average overage/underage and produces a disparity ratio for each.

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