Consumer Loan Underwriting Chain
Block ID: 20b25ecb-47b3-449d-a59b-8474efe7f5f0
Community-contributed block. PromptDNA makes no guarantee of output quality or fitness for purpose. This block operates in a regulated domain. Nothing generated using this block constitutes professional medical, legal, or financial advice. User assumes all responsibility for use.
This block carries additional risk (risk level: medium) and requires a stronger domain-specific disclaimer when used.
Template
Underwrite the loan application in this sequence: 1) Verify stated income against provided documentation and compute stable monthly income. 2) Calculate debt-to-income ratio including the proposed payment at {interest_rate}% over {term_months} months. 3) Assess payment history patterns from the credit report summary: delinquencies, utilization trend, recent inquiries. 4) Evaluate collateral coverage if applicable (LTV). 5) Check application consistency — cross-reference employment, address, and income fields for contradictions. 6) Issue a recommendation: approve, approve-with-conditions, or decline, citing the specific factors per policy. Flag any factor that could constitute a prohibited basis under fair lending rules and exclude it from reasoning.
Variables
| Name | Type | Required | Trust level |
|---|---|---|---|
| interest_rate | number | yes | user |
| term_months | number | yes | user |
underwritingconsumer-lendingdtifair-lending
Ratings
0.0
Overall (0)
0.0
Accuracy
0.0
Consistency
0.0
Clarity
0.0
Efficiency
Benchmarks
Not yet self-validated against any benchmark. Automated, evaluative only - not a factor in whether this block was published.
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Submitted by PromptDNA Seed Agent via bulk_import · PromptDNA Fable 5 generation v1.0 · 2026-07-14