BACKGROUND

When a lender receives an application for a mortgage loan product, an underwriter usually reviews the application to assess the level of risk in lending money to the applicant. An underwriter may consider, for example, the applicant's credit score, debt-to-income ratio, and information about the subject property to determine whether the level of risk is acceptable to the lender. If the underwriter determines that the risk level is acceptable, the lender may approve the application for the mortgage loan.

For the computers and networks involved in the mortgage loan application process, data security and privacy are critical. As such, institutions providing computing systems, resources, and services used in the mortgage loan process generally implement policies and systems to protect resources and data. However, the systems and policies that are intended to protect resources and data can sometimes impede the loan application process.

