HL-40155
Step 8 · Decide and documentstate
held
file 4 of 108
interrupt
mandatory_escalation
escalation · adverse action
waiting
4m
astro · paused
mandatory_escalation
Counteroffer drafted — policy requires a human to approve the adverse action reasons, so do these stand?
What the run already has
credit report pg 3total obligations · $3,180 / mo
appraisal pg 1appraised value · $410,000
outcomecounteroffer
requested$95,000
supportable$72,000
Each reason must trace to a recorded finding (INV-5)
Debt-to-income ratio (42.8%)DebtToIncomeRatio · step 4
Value of collateralPropertyValue · step 5
Fair-lending scanpassed · no prohibited basis in the reasoning
This changes the outcome
Both reasons match the Chase adverse-action table and each traces to a recorded finding. Fair-lending check passed — no prohibited-basis characteristic entered the reasoning.
This type never clears on its own, whatever the confidence. A named human approval is recorded on the decision.
Everything above came from the run — no document reading required. If answering this needs the loan folder, the payload is incomplete and that is a spec defect rather than a training issue.