Review Document
Applicant Name:
Date:
Loan Amount:
TYPE OF REQUEST (Please check one)


Home Improvement
Refinance
X Purchase
 Other
REASON FOR DECLINATION (Please check one)

Derogatory Credit – Includes delinquent credit, garnishments, attachments, foreclosures,
repossessions, bankruptcies, and other.

Capacity Ratio/Too many existing credit obligations

Scope: FAIR
ISAAC
BEACON
REVIEWER DECISION AND SUGGESTION (Please check one or more)
Agree with loan decision

Compensating factors with recommendation and action ________________________
_____________________________________________________________________
_____________________________________________________________________

Counteroffer with recommendation and action _______________________________
_____________________________________________________________________
Other: Per our Bank’s Guidelines for our loan programs. This loan does not adhere to our
loan program policies
Reviewed By: _________________________
Date: _________________