We use combined DTI for underwriting purposes. Regardless of whether joint applicants are married, unmarried, living in the same household, etc. we would need to be consistent with this underwriting practice and consider combined DTI? We shouldn’t look at individual DTI on unmarried joint applicants who for example don’t live at the same household?
What happens during a loan participation?
Our customer just sent a wire to purchase $50,000 in Bitcoin. Shall I be concerned?
Can a bank who's general practice is to pay provisional credit at day 10 provide it early under special circumstances for a customer?
How long should we keep complaint letters?