Open the explorer to see what sits in each domain, how much of the file it carries, and where the published taxonomy stops and the proprietary model begins.
Most declines and most overpayments trace back to something that was already sitting in the application on day one — unread, or read too late.
The same file is scored under each lender’s own income calculation, qualifying rate and property policy. One borrower produces dozens of different qualifying pictures depending on who is looking at it.
A blank point is recorded as blank, never inferred. The engine returns a ranked list of exactly which missing points would change the outcome, so an agent chases three documents instead of fourteen.
Income reconstructed from T1 lines, rental offsets and add-backs is marked as derived, with the source it came from, so nothing enters a submission that the agent has not been able to see the basis for.
You can tell a client exactly what informed their recommendation. You cannot hand a competitor the model — and neither can we.
We publish the domains and how many points sit in each, because you should be able to tell a client what informed their recommendation. What each point is worth, and how they interact, is the part we don't publish.
Bring a real deal to the demo and we will show you every point it populated and every one it could not.