Your standard, set by policy, tuned by how you operate. Not learned from your loans. Flightline pins itself to the institution’s program, applies it identically, and sharpens its calibration over time without ever training on customer data.
Three configuration lanes let each institution pin the standard to its own policy: what gets evaluated, how findings classify, how aggressively they surface. The institution writes the rules. Flightline applies them identically, every file.
Which programs, products, and overlay sets apply. A Fannie DU-approved conventional file is not checked against FHA handbook rules it does not need. An FHA file is not held to the conventional DTI threshold.
Critical, High, Medium, Low, defined by your policy, not ours. A stale paystub can be a Medium at one institution and a Critical at another. Flightline applies whichever definition you chose, without drift.
Threshold bands on DTI, LTV, reserves, compensating factors. The rubric reads the numbers deterministically; the sensitivity is tuned to your overlay. Raise the bar or lower it. The review will still land in the same place every time.
The rubric is not static. Flightline adapts continuously, two ways. To how your team operates, how senior reviewers dispose of findings, which lanes your overlay treats more conservatively, where your practice runs sharper than the default. And to the shape of your portfolio, since an institution that specializes in self-employed, VA, or manufactured-home files does not need to be reviewed the same way as one that does not. The review sharpens against the work you actually do.
Flightline aligns to the shape of your QC program. It does not learn from your customers. The signal that tunes the rubric is structural, not content. The data that stays inside your tenant stays inside your tenant.
Every finding cites the selling guide, FHA handbook, VA circular, or federal regulation as published on the review date. Not the version current when the file is reopened two audits later. Every update is in the rubric before its effective date, with documented runway.
Inconsistent application of overlays across protected classes is precedent-setting risk. A portfolio reviewed against a single, aligned, versioned, sealed standard produces the documented decision-making fair-lending monitoring requires, without a separate analytics effort. Inconsistency across files, vendors, or reviewers is the exposure. Alignment closes it.
Send us ten files. We’ll show you what your standard looks like applied identically. Same business day. Every finding proven. Every report sealed.
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