Product
Flightline works from the documents: statements footed, income recomputed, each document checked against the others. Every finding carries its evidence and the requirement behind it, and rolls up into the view of the program your leadership asks for.
Every review ends in a loan audit report you can put in the file: what was reviewed, the disposition, each finding with its evidence and the requirement it applied, and the response recorded against it.
Loan audit report · Edition 1| Finding | Severity | Status |
|---|---|---|
| Qualifying income overstated | Material | Open finding |
| Appraisal repair condition | Moderate | Resolved in file |
| Initial disclosure timing | Low | Under review |
Each test is recorded with its question, its answer and the evidence it used, so your team can check the logic behind every conclusion, test by test. This is the Tests workspace on a sample file.
Not completed means the check could not finish; no conclusion is available.
10 controls have document/page references; 12 have quoted requirements. These counts show attached supporting evidence. They do not show how many checks were completed.
The agreed review scope, excluded checks, completion history and review version are not recorded in this preview. A result alone does not confirm that every required check was completed.
The deposit funding cash to close follows a new tradeline the 1003 does not list.
Recorded test assessmentA $12,400 deposit lands two days after a new personal-loan tradeline that the application does not list
Borrowed funds secured or unsecured must be documented as a liability of the borrower and are not an acceptable source of funds to close without that documentation.Effective Jan 1, 2026
Written in the language of the guides, and run on each file they apply to. Which tests apply depends on the program, the property and the transaction.
Test counts and names from the standard catalog. Your QC plan sets which apply.
Before a finding is published, a second automated review tries to rebuild it from the source documents and the guideline. If it cannot, the finding goes back and does not publish. What reaches your team is a finding that stood up to that check: what was found, and each path that would resolve it.
How a finding is builtEvery loan reviewed that month, with its findings, their severity and the number of tests run on it, so the depth of the review is on the page. Then the patterns across loans, and the corrective action when a finding repeats.
| Loan | Program · Channel | Tests run | Findings | Highest severity |
|---|---|---|---|---|
| 2026-0412 | Conventional · Retail | 214 | 0 | — |
| 2026-0417 | FHA · Wholesale | 231 | 2 | Material |
| 2026-0421 | VA · Retail | 198 | 1 | Low |
| 2026-0426 | Conventional · Wholesale | 207 | 1 | Moderate |
| 2026-0433 | Jumbo · Correspondent | 189 | 0 | — |
Illustrative. First 5 of 412 loans shown.
Every finding carries its program, channel, region, review area and the test that raised it. Flightline compares each segment with the rest of your reviewed loans and flags the ones running hot, so you know where to look next and which corrective action to open.
| Program | Income | Assets | Credit | Appraisal | Compliance | Closing |
|---|---|---|---|---|---|---|
| Conventional | 2.1 | 1.8 | 1.4 | 1.0 | 0.7 | 0.5 |
| FHA | 6.8 | 2.6 | 2.2 | 1.9 | 1.0 | 0.8 |
| VA | 2.4 | 1.9 | 1.1 | 2.9 | 0.6 | 0.7 |
| Jumbo | 1.8 | 3.9 | 1.2 | 1.5 | 0.4 | 0.3 |
| Non-QM | 3.6 | 2.8 | 2.5 | 1.1 | 1.6 | 0.9 |
| All reviewed loans | 2.9 | 2.1 | 1.6 | 1.2 | 0.8 | 0.6 |
2.3× the portfolio rate. Most frequent test: YTD earnings consistency.
2.4× the portfolio rate. Most frequent test: comparable selection.
1.9× the portfolio rate. Most frequent test: large deposit sourcing.
Illustrative figures.
Each finding is measured against the agency and investor requirements that apply to the loan, then your overlays, then your QC plan. It cites the requirement it applied, to the section, as it stood on the review date. Guides change; a citation to the wrong edition does not survive a rebuttal.
When your QC plan says the question is what applied at application or closing instead, the review follows it.
The handbooks and selling guides that apply to the loan’s program.
Where your standard is tighter than the guide, yours is the one tested.
What you review, at which control point, and how findings are rated.
The fastest way to judge Flightline is on a loan your team already knows. We’ll show you what it finds, and you decide whether it holds.
