With the recent shifts in lending standards, I’ve noticed a significant uptick in risky applications coming through. It’s becoming increasingly important to double-check income documentation and debt-to-income ratios. Has anyone else seen a similar trend in their reviews?
I’ve definitely seen a spike in risky applications too. It feels like those debt-to-income ratios are getting overlooked more often. Have you found any specific tools that help tighten the review process? 
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It’s wild how some lenders seem to be playing fast and loose with those ratios. I remember when they’d at least glance at income docs like they were gold. Have you or @n_greene88 noticed any common red flags that keep popping up in these applications?
And you’re right; those income docs seem to be getting less attention lately. I’ve even had clients overlook their debt-to-income ratios themselves before submitting, which is concerning. Have you thought about implementing stricter pre-screening measures? @n_greene88 might have some insights on this too.