Supported Rate Sheet Criteria and Operators

Last updated: February 23, 2026

Supported Rate Sheet Criteria:

  • Debt to Income Ratio

  • Income

    • The income criteria is for monthly income.

  • Payment to Income Ratio

  • Front End Loan to Value (excl. TT&L and ancillary)

  • Unsecured Ratio

  • Disposable Income

    • Formula = 75% of income

  • Unsecured DTI

  • Max CU Unsecured Total by Monthly Income

  • FI-Specific Total Unsecured Debt

  • Age of oldest trade

  • Number of trades

  • Number of inquiries within the last 6 months

  • Discretionary Income (Net)

    • Formula = Inputted Monthly Income − Total Fixed Monthly Obligations. Where Total Fixed Monthly Obligations include Debt payments from their credit report and inputted Monthly Rent Payment

  • Number of public records

Supported Operators:

  • is less than

  • is less than or equal to

  • is greater than

  • is greater than or equal to

  • is equal to

  • is equal to