VERIFY THE DECISION RECORD
The decision is yours. The record behind it should be clear.
LendlyX returns reason-coded findings, sources, evidence locations, and review history so lender teams can understand what passed, what deserves a second look, and why—without handing over the final decision.
DECISION SUPPORT, NOT DECISION REPLACEMENT
LendlyX organizes the evidence and findings. The lender owns policy, exceptions, disposition, approval or denial, and movement of funds.
DECISION RECORD LX-1048
What the reviewer needs to know next
Status
Pass, second-review, or fail status returned
VERIFIED
Reason
Why the status changed is stated clearly
SECOND REVIEW
Source + evidence
Source and evidence location stay attached
PASS
Disposition
Lender action and history remain in the record
NOT REQUESTED
A complete finding has four parts
Status tells the reviewer where to look. Reason, source, evidence, and disposition explain what happened and preserve the lender’s judgment.
01
Status
INPUT Analysis outcome and severity
TEST Result mapping and review state
RETURN Pass, second-review, or fail
02
Reason
INPUT Test context and policy-relevant explanation
TEST Reason clarity and relationship to the evidence
RETURN Human-readable reason code
03
Source + evidence
INPUT Source references and evidence locations
TEST Traceability from finding to supporting source
RETURN Linked source and evidence context
04
Disposition + history
INPUT Reviewer action, notes, and timestamps
TEST Record association and review-history continuity
RETURN Lender disposition and audit trail
ILLUSTRATIVE DECISION FINDING
FINDING-014 · SECOND REVIEW
SECOND REVIEW
WHAT CHANGED
A visible appraisal value differs from the corresponding source-data value.
WHY IT MATTERS
The variance does not make the lending decision. It identifies the evidence the authorized reviewer should assess before applying policy.
EVIDENCE
The record connects the visible location, source field, guideline context, and current review status.
REVIEWER ACTION
Review the source, apply lender policy, and record the disposition.
DEFENSIBILITY LIVES IN THE CONTEXT
A status without a reason cannot carry the weight of the decision.
LendlyX keeps the finding, evidence, source, reviewer action, and history together while the lender retains authority over the outcome.
→ What changed?
→ Why does it matter?
→ Which evidence supports the status?
→ What should the reviewer do next?
From finding to lender-owned record
The analysis remains explainable, the evidence remains traceable, and the lender’s decision remains distinct from the system output.
01
Receive the analysis result
Map the result to pass, second-review, or fail status.
02
Attach reasons + evidence
Keep sources, evidence locations, and reason codes attached.
03
Route authorized review
Present the finding to the appropriate lender reviewer.
04
Preserve lender disposition
Record the lender’s action and maintain the review history.
LendlyX makes the record easier to review. The lender makes the decision.
See LendlyX in your workflow →