01
Credit underwriting is the process a lender uses to evaluate whether to extend credit and on what terms based on the risk of repayment.
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02
Underwriting can consider credit history and scores, income and employment, existing debts and DTI, collateral and LTV, loan amount, term, and other product-specific information.
supported03
Credit score is one underwriting input rather than a complete lending decision because lenders can consider additional capacity, collateral, and product information.
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