Manual QC vs. Flightline
Full-file secondary market review. Deterministic, repeatable, documented.
01The Difference
Manual QC is a human memory system. Flightline is a recorded QC standard applied the same way every time. When policy updates, the standard updates. When someone asks why a loan cleared, the record already exists.
Dimension
Manual QC (BPO)
Flightline
Unit of work
Checklist + reviewer narrative
Eligibility determination + cited findings
Consistency
Reviewer-dependent
Policy-executed, repeatable
Math
Re-keyed, error-prone
Recomputed, evidence-linked
Overlays
Tribal knowledge
Versioned, enforced
Audit trail
Assembled after
Generated as byproduct of review
Timing
Days later
Same day, pre-close or post-close
02Depth
Replacement-grade review.
Full recalculation. Full policy stack. Cited findings. Structured defect classification.
REVIEW ARTIFACT — INCOME DETERMINATION
Document Facts Extracted
W-2 Income$94,200
Paystub YTD$63,150
Annualized$94,725
Bank deposit avg$7,850/mo
Bonus history18 mo documented
Recalculated Income
Base salary$7,850/mo
Bonus (24-mo avg)$1,200/mo
RSUexcluded
per FNMA B3-3.1-09
Qualifying income$9,050/mo
Eligibility Impact
DTI = (PITIA $3,482 + debts $612) / $9,050
= 45.2%
AUS ceiling45.0%
Overlay cap43.0%
Not eligible under overlay
Decision Summary
Agency eligible under AUS. Fails Overlay 2.3 DTI cap (45.2% vs 43.0%). Exception required with documented compensating factors.
Record FL-7216Policy Overlay v2.3 (eff. Jan 15, 2026)Reviewed Feb 22, 2026 14:07 PT
EXCEPTION03Get Started
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