question_id string | loan_id string | test_case_number int64 | question string | answer string | answer_type string | pii bool | bank_statement string | ulad_du string |
|---|---|---|---|---|---|---|---|---|
1-1 | 85670492709 | 1 | Scan the provided bank statements for any recurring payments or debit transactions made to known BNPL providers. | none | txn_id_list | false | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
1-2 | 85670492709 | 1 | Do the payroll deposit entries match with the primary borrower's employer names stated in employment history? | yes | boolean | false | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
1-3 | 85670492709 | 1 | Identify any large deposits on the borrower’s bank statements. | plaid-1-00011, plaid-1-00030, plaid-1-00035, plaid-1-00068 | txn_id_list | false | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
1-4 | 85670492709 | 1 | Do the bank statements show evidence of rental payments? | plaid-1-00010, plaid-1-00033 | txn_id_list | false | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
1-5 | 85670492709 | 1 | Compare the borrower’s address on the account statement with the current address on the loan application. | yes | boolean | true | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
1-6 | 85670492709 | 1 | Scan the provided bank statements for any recurring payments that indicate a liability for child support, alimony, or wage garnishment. If found, confirm whether the payments were specifically disclosed on the loan application. | plaid-1-00005, plaid-1-00037 | txn_id_list | false | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
1-7 | 85670492709 | 1 | Verify if a deposit matching the gift amount stated on the loan application is reflected in the borrower’s bank statements. | plaid-1-00011 | txn_id_list | false | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
1-8 | 85670492709 | 1 | Review the account activity for any deposits that appear to be from a secured loan. | plaid-1-00030 | txn_id_list | false | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
1-9 | 85670492709 | 1 | Verify that the payroll deposits on the bank statements exactly match the net pay amounts on any of the borrower’s corresponding pay stubs provided. | no | boolean | false | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
1-10 | 85670492709 | 1 | Which deposits on the bank statement, if any, appear to originate from a cryptocurrency source? | plaid-1-00035 | txn_id_list | false | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
2-1 | 86881713506 | 2 | Scan the provided bank statements for any recurring payments or debit transactions made to known BNPL providers. | plaid-2-00052, plaid-2-00022, plaid-2-00017, plaid-2-00046 | txn_id_list | false | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
2-2 | 86881713506 | 2 | Do the payroll deposit entries match with the primary borrower's employer names stated in employment history? | yes | boolean | false | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
2-3 | 86881713506 | 2 | Do the statements reflect any unusually large or irregular deposits requiring documentation? | plaid-2-00037, plaid-2-00049 | txn_id_list | false | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
2-4 | 86881713506 | 2 | Is there evidence of rental payment(s) being made any accounts? | plaid-2-00029, plaid-2-00006 | txn_id_list | false | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
2-5 | 86881713506 | 2 | Compare the borrower’s address on the account statement with the current address on the loan application. | no | boolean | true | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
2-6 | 86881713506 | 2 | Are there any overdraft or NSF (non-sufficient funds) fees present in the account activity? | plaid-2-00007 | txn_id_list | false | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
2-7 | 86881713506 | 2 | Is there an unexplained deposit in a bank's transaction history that could be a sign of unsecured borrowed funds? | plaid-2-00037 | txn_id_list | false | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
2-8 | 86881713506 | 2 | Are there recurring debt payments that are not disclosed on the loan application or appearing on the credit report? | plaid-2-00022, plaid-2-00052, plaid-2-00046, plaid-2-00017, plaid-2-00016, plaid-2-00045, plaid-2-00043, plaid-2-00014, plaid-2-00039, plaid-2-00034 | txn_id_list | false | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
2-9 | 86881713506 | 2 | Does the account account reflect any large cash deposits or show a pattern of cash deposits that appears excessive? | plaid-2-00021, plaid-2-00048 | txn_id_list | false | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
2-10 | 86881713506 | 2 | Is there a consistent pattern of deposits on the asset statement that could represent an undisclosed other income source? | plaid-2-00033, plaid-2-00009 | txn_id_list | false | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
3-1 | 84192307554 | 3 | Scan the provided bank statements for any recurring payments or debit transactions made to known BNPL providers. | none | txn_id_list | false | {"seed": "test-case-3-parsed-from-pdf", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 460.05, "currency": "USD", "numbers": {"account": "36155551212"}, "transactions": [{"date_transacted": "2025-07-05", "date_posted": "2025-07-05", "amount": 150.67, "description": "Withdrawal f... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
3-2 | 84192307554 | 3 | Do the payroll deposit entries match with the primary borrower's employer names stated in employment history? | yes | boolean | false | {"seed": "test-case-3-parsed-from-pdf", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 460.05, "currency": "USD", "numbers": {"account": "36155551212"}, "transactions": [{"date_transacted": "2025-07-05", "date_posted": "2025-07-05", "amount": 150.67, "description": "Withdrawal f... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
3-3 | 84192307554 | 3 | Do the statements reflect any unusually large or irregular deposits requiring documentation? | none | txn_id_list | false | {"seed": "test-case-3-parsed-from-pdf", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 460.05, "currency": "USD", "numbers": {"account": "36155551212"}, "transactions": [{"date_transacted": "2025-07-05", "date_posted": "2025-07-05", "amount": 150.67, "description": "Withdrawal f... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
3-4 | 84192307554 | 3 | Is there evidence of rental payment(s) being made from the account? | none | txn_id_list | false | {"seed": "test-case-3-parsed-from-pdf", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 460.05, "currency": "USD", "numbers": {"account": "36155551212"}, "transactions": [{"date_transacted": "2025-07-05", "date_posted": "2025-07-05", "amount": 150.67, "description": "Withdrawal f... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
3-5 | 84192307554 | 3 | Compare the borrower’s address on the account statement with the current address on the loan application. Note any discrepancy. | no | boolean | true | {"seed": "test-case-3-parsed-from-pdf", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 460.05, "currency": "USD", "numbers": {"account": "36155551212"}, "transactions": [{"date_transacted": "2025-07-05", "date_posted": "2025-07-05", "amount": 150.67, "description": "Withdrawal f... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
3-6 | 84192307554 | 3 | Review all asset statements to determine if any account is a joint account. If a joint account is identified, confirm whether all listed account holders are also listed as borrowers on the loan application. | 3434, 7878 | account_id_list | false | {"seed": "test-case-3-parsed-from-pdf", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 460.05, "currency": "USD", "numbers": {"account": "36155551212"}, "transactions": [{"date_transacted": "2025-07-05", "date_posted": "2025-07-05", "amount": 150.67, "description": "Withdrawal f... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
3-7 | 84192307554 | 3 | Check the bank account activity for a withdrawal that matches the earnest money deposit (EMD) amount specified in the purchase contract. If a matching transaction is found, provide the transaction date, amount, and any available recipient details to confirm its purpose. | plaid-3-00028 | txn_id_list | false | {"seed": "test-case-3-parsed-from-pdf", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 460.05, "currency": "USD", "numbers": {"account": "36155551212"}, "transactions": [{"date_transacted": "2025-07-05", "date_posted": "2025-07-05", "amount": 150.67, "description": "Withdrawal f... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
3-8 | 84192307554 | 3 | Scan the borrower's bank statements for any payments to creditors that are not listed on either the credit report or the loan application. If found, identify the name of the creditor and the payment amount. | plaid-3-00002, plaid-3-00041, plaid-3-00036 | txn_id_list | false | {"seed": "test-case-3-parsed-from-pdf", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 460.05, "currency": "USD", "numbers": {"account": "36155551212"}, "transactions": [{"date_transacted": "2025-07-05", "date_posted": "2025-07-05", "amount": 150.67, "description": "Withdrawal f... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
3-9 | 84192307554 | 3 | Compare the borrower’s employer name to any payroll deposits on the bank statements. Note any potential undisclosed employment income. | plaid-3-00033, plaid-3-00008, plaid-3-00019, plaid-3-00038, plaid-3-00011 | txn_id_list | false | {"seed": "test-case-3-parsed-from-pdf", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 460.05, "currency": "USD", "numbers": {"account": "36155551212"}, "transactions": [{"date_transacted": "2025-07-05", "date_posted": "2025-07-05", "amount": 150.67, "description": "Withdrawal f... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
4-1 | 80731120165 | 4 | Scan the provided bank statements for any recurring payments or debit transactions made to known BNPL providers. | plaid-4-00025, plaid-4-00011 | txn_id_list | false | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
4-2 | 80731120165 | 4 | Do the payroll deposit entries match with the primary borrower's employer names stated in employment history? | no | boolean | false | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
4-3 | 80731120165 | 4 | Do the statements reflect any unusually large or irregular deposits requiring documentation? | plaid-4-00028, plaid-4-00069 | txn_id_list | false | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
4-4 | 80731120165 | 4 | Is there evidence of rental payment(s) being made from the account? | plaid-4-00004, plaid-4-00017, plaid-4-00060 | txn_id_list | false | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
4-5 | 80731120165 | 4 | Compare the borrower’s address on the account statement with the current address on the loan application. | yes | boolean | true | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
4-6 | 80731120165 | 4 | What accounts are business accounts instead of personal accounts? | 9921 | account_id_list | false | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
4-7 | 80731120165 | 4 | Based on the transaction history, are there any deposits that suggest funds from a private savings club or similar informal arrangement? | plaid-4-00029, plaid-4-00024, plaid-4-00010 | txn_id_list | false | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
4-8 | 80731120165 | 4 | Scan the provided account activity for any deposits originating from a payday loan or similar high-interest lending source. | plaid-4-00015 | txn_id_list | false | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
4-9 | 80731120165 | 4 | Review the account statements for any accounts designated as a custodial account. | 7788 | account_id_list | false | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
4-10 | 80731120165 | 4 | Examine the account records for any deposits that could be of foreign origin. | plaid-4-00028 | txn_id_list | false | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-06-30", "date_posted": "2025-07-01", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
5-1 | 89811904866 | 5 | Scan the provided bank statements for any recurring payments or debit transactions made to known BNPL providers. | none | txn_id_list | false | {"seed": "andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 56400, "currency": "USD", "numbers": {"account": "111222333000"}, "transactions": [{"date_transacted": "2025-07-02", "date_posted": "2025-07-03", "amount": -5000... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
5-2 | 89811904866 | 5 | Do the payroll deposit entries match with the primary borrower's employer names stated in employment history? | yes | boolean | false | {"seed": "andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 56400, "currency": "USD", "numbers": {"account": "111222333000"}, "transactions": [{"date_transacted": "2025-07-02", "date_posted": "2025-07-03", "amount": -5000... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
5-3 | 89811904866 | 5 | Do the statements reflect any unusually large or irregular deposits requiring documentation? | none | txn_id_list | false | {"seed": "andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 56400, "currency": "USD", "numbers": {"account": "111222333000"}, "transactions": [{"date_transacted": "2025-07-02", "date_posted": "2025-07-03", "amount": -5000... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
5-4 | 89811904866 | 5 | Is there evidence of rental payment(s) being made from the account? | none | txn_id_list | false | {"seed": "andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 56400, "currency": "USD", "numbers": {"account": "111222333000"}, "transactions": [{"date_transacted": "2025-07-02", "date_posted": "2025-07-03", "amount": -5000... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
5-5 | 89811904866 | 5 | Verify that the borrower’s address on their bank statements aligns with the current address or mailing address provided on the loan application. | no | boolean | false | {"seed": "andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 56400, "currency": "USD", "numbers": {"account": "111222333000"}, "transactions": [{"date_transacted": "2025-07-02", "date_posted": "2025-07-03", "amount": -5000... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
5-6 | 89811904866 | 5 | Do all bank statements include the financial institution name & account number? | no | boolean | false | {"seed": "andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 56400, "currency": "USD", "numbers": {"account": "111222333000"}, "transactions": [{"date_transacted": "2025-07-02", "date_posted": "2025-07-03", "amount": -5000... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
5-7 | 89811904866 | 5 | Are there any provided retirement accounts that can be used as a source of funds for the mortgage? | 6677 | account_id_list | false | {"seed": "andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 56400, "currency": "USD", "numbers": {"account": "111222333000"}, "transactions": [{"date_transacted": "2025-07-02", "date_posted": "2025-07-03", "amount": -5000... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
5-8 | 89811904866 | 5 | Do the rental income deposits shown on the bank statements align with the gross rental income reported for the property(ies) listed on the loan application (both subject and REO)? | yes | boolean | false | {"seed": "andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 56400, "currency": "USD", "numbers": {"account": "111222333000"}, "transactions": [{"date_transacted": "2025-07-02", "date_posted": "2025-07-03", "amount": -5000... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
5-9 | 89811904866 | 5 | Does the statement reflect the mortgage payment needed to confirm current payment history? | yes | boolean | false | {"seed": "andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 56400, "currency": "USD", "numbers": {"account": "111222333000"}, "transactions": [{"date_transacted": "2025-07-02", "date_posted": "2025-07-03", "amount": -5000... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
9-1 | 83352063666 | 9 | Do the statements reflect any unusually large or irregular deposits requiring documentation? | plaid-9-00028 | txn_id_list | false | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
9-2 | 83352063666 | 9 | Examine the account records for any deposits that could be of foreign origin. | plaid-9-00028 | txn_id_list | false | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
9-3 | 83352063666 | 9 | Are there any provided retirement accounts that can be used as a source of funds for the mortgage? | none | account_id_list | false | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
9-4 | 83352063666 | 9 | What accounts are business accounts instead of personal accounts? | 9921 | account_id_list | false | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
9-5 | 83352063666 | 9 | Review the account statements for any accounts designated as a custodial account. | 7788 | account_id_list | false | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
9-6 | 83352063666 | 9 | Compare the borrower’s address on the account statement with the current address on the loan application. | yes | boolean | true | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
9-7 | 83352063666 | 9 | Scan the provided bank statements for any recurring payments or debit transactions made to known BNPL providers. | plaid-9-00025, plaid-9-00011 | txn_id_list | false | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
9-8 | 83352063666 | 9 | Based on the transaction history, are there any deposits that suggest funds from a private savings club or similar informal arrangement? | plaid-9-00029, plaid-9-00024, plaid-9-00010 | txn_id_list | false | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
9-9 | 83352063666 | 9 | Is there evidence of rental payment(s) being made from the account? | plaid-9-00017, plaid-9-00004 | txn_id_list | false | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
9-10 | 83352063666 | 9 | Scan the provided account activity for any deposits originating from a payday loan or similar high-interest lending source. | plaid-9-00015 | txn_id_list | false | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
9-11 | 83352063666 | 9 | Do the payroll deposit entries match with the primary borrower's employer names stated in employment history? | yes | boolean | false | {"plaid_files": [{"seed": "pp-lp-platypus-4acct-final-affirm-credit-001", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205600, "currency": "USD", "numbers": {"account": "001122334411"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 9... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
7-1 | 81613557991 | 7 | Do the statements reflect any unusually large or irregular deposits requiring documentation? | plaid-7-00037 | txn_id_list | false | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
7-2 | 81613557991 | 7 | Does the account account reflect any large cash deposits or show a pattern of cash deposits that appears excessive? | plaid-7-00021, plaid-7-00048 | txn_id_list | false | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
7-3 | 81613557991 | 7 | Compare the borrower’s address on the account statement with the current address on the loan application. | yes | boolean | true | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
7-4 | 81613557991 | 7 | Scan the provided bank statements for any recurring payments or debit transactions made to known BNPL providers. | plaid-7-00017, plaid-7-00046, plaid-7-00022, plaid-7-00052 | txn_id_list | false | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
7-5 | 81613557991 | 7 | Are there recurring debt payments that are not disclosed on the loan application or appearing on the credit report? | plaid-7-00014, plaid-7-00043, plaid-7-00016, plaid-7-00045, plaid-7-00017, plaid-7-00046, plaid-7-00022, plaid-7-00052, plaid-7-00034, plaid-7-00039 | txn_id_list | false | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
7-6 | 81613557991 | 7 | Is there evidence of rental payment(s) being made any accounts? | plaid-7-00029, plaid-7-00006 | txn_id_list | false | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
7-7 | 81613557991 | 7 | Is there an unexplained deposit in a bank's transaction history that could be a sign of unsecured borrowed funds? | plaid-7-00037 | txn_id_list | false | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
7-8 | 81613557991 | 7 | Is there a consistent pattern of deposits on the asset statement that could represent an undisclosed other income source? | yes | boolean | false | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
7-9 | 81613557991 | 7 | Is there a consistent pattern of deposits on the asset statement that could represent an undisclosed other income source? | plaid-7-00009, plaid-7-00033 | txn_id_list | false | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
7-10 | 81613557991 | 7 | Do the payroll deposit entries match with the primary borrower's employer names stated in employment history? | yes | boolean | false | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
7-11 | 81613557991 | 7 | Are there any overdraft or NSF (non-sufficient funds) fees present in the account activity? | plaid-7-00007 | txn_id_list | false | {"seed": "mortgage-ai-multi-acct-mortgage-demo-002-2mo", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 130908, "currency": "USD", "numbers": {"account": "111222333444", "ach_routing": "011000015"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
6-1 | 86744679655 | 6 | Identify any large deposits on the borrower’s bank statements. | plaid-6-00011, plaid-6-00030, plaid-6-00035 | txn_id_list | false | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
6-2 | 86744679655 | 6 | Which deposits on the bank statement, if any, appear to originate from a cryptocurrency source? | plaid-6-00035 | txn_id_list | false | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
6-3 | 86744679655 | 6 | Verify if a deposit matching the gift amount stated on the loan application is reflected in the borrower’s bank statements. | plaid-6-00011 | txn_id_list | false | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
6-4 | 86744679655 | 6 | Compare the borrower’s address on the account statement with the current address on the loan application. | no | boolean | true | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
6-5 | 86744679655 | 6 | Scan the provided bank statements for any recurring payments or debit transactions made to known BNPL providers. | none | txn_id_list | false | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
6-6 | 86744679655 | 6 | Scan the provided bank statements for any recurring payments that indicate a liability for child support, alimony, or wage garnishment. If found, confirm whether the payments were specifically disclosed on the loan application. | plaid-6-00005, plaid-6-00037 | txn_id_list | false | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
6-7 | 86744679655 | 6 | Do the bank statements show evidence of any rental payments? | plaid-6-00010, plaid-6-00033 | txn_id_list | false | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
6-8 | 86744679655 | 6 | Do the payroll deposit entries match with the primary borrower's employer names stated in employment history? | yes | boolean | false | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
6-9 | 86744679655 | 6 | Verify that the borrower’s payroll deposits in the bank statements are consistent with the income and employment information on the application. | plaid-6-00050, plaid-6-00032, plaid-6-00014 | txn_id_list | false | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
6-10 | 86744679655 | 6 | Verify that the payroll deposits on the bank statements exactly match the net pay amounts on any of the borrower’s corresponding pay stubs provided. | no | boolean | false | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
6-11 | 86744679655 | 6 | Verify that the payroll deposits on the bank statements exactly match the net pay amounts on any of the borrower’s corresponding pay stubs provided. | plaid-6-00050, plaid-6-00032, plaid-6-00014 | txn_id_list | false | {"seed": "john-homeowner-mortgage-test-003", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 205500, "currency": "USD", "numbers": {"account": "220011003344"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 92.18, "description": "ONLINE ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
10-1 | 81301535410 | 10 | Do the statements reflect any unusually large or irregular deposits requiring documentation? | none | txn_id_list | false | {"seed": "andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 56400, "currency": "USD", "numbers": {"account": "111222333000"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 300, ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
10-2 | 81301535410 | 10 | Verify that the borrower’s address on their bank statements aligns with the current address or mailing address provided on the loan application. | no | boolean | false | {"seed": "andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 56400, "currency": "USD", "numbers": {"account": "111222333000"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 300, ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
10-3 | 81301535410 | 10 | Which list of bank statements do not include the financial institution name & account number? | yes | boolean | false | {"seed": "andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 56400, "currency": "USD", "numbers": {"account": "111222333000"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 300, ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
10-4 | 81301535410 | 10 | Scan the provided bank statements for any recurring payments or debit transactions made to known BNPL providers. | none | txn_id_list | false | {"seed": "andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 56400, "currency": "USD", "numbers": {"account": "111222333000"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 300, ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
10-5 | 81301535410 | 10 | Is there evidence of rental payment(s) being made from the account? | none | txn_id_list | false | {"seed": "andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 56400, "currency": "USD", "numbers": {"account": "111222333000"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 300, ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
10-6 | 81301535410 | 10 | Does the statement reflect the mortgage payment needed to confirm current payment history? | plaid-10-00042, plaid-10-00023, plaid-10-00041, plaid-10-00022 | txn_id_list | false | {"seed": "andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 56400, "currency": "USD", "numbers": {"account": "111222333000"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 300, ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
10-7 | 81301535410 | 10 | Does the statement reflect the mortgage payment needed to confirm current payment history? | yes | boolean | false | {"seed": "andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 56400, "currency": "USD", "numbers": {"account": "111222333000"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 300, ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
10-8 | 81301535410 | 10 | Do the payroll deposit entries match with the primary borrower's employer names stated in employment history? | yes | boolean | false | {"seed": "andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 56400, "currency": "USD", "numbers": {"account": "111222333000"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 300, ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
10-9 | 81301535410 | 10 | Do the rental income deposits shown on the bank statements align with the gross rental income reported for the property(ies) listed on the loan application (both subject and REO)? | plaid-10-00020, plaid-10-00039, plaid-10-00025, plaid-10-00044 | txn_id_list | false | {"seed": "andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31", "override_accounts": [{"type": "depository", "subtype": "checking", "starting_balance": 56400, "currency": "USD", "numbers": {"account": "111222333000"}, "transactions": [{"date_transacted": "2025-07-20", "date_posted": "2025-07-21", "amount": 300, ... | <MESSAGE xmlns="http://www.mismo.org/residential/2009/schemas" xmlns:ULAD="http://www.datamodelextension.org/Schema/ULAD" xmlns:DU="http://www.datamodelextension.org/Schema/DU" xmlns:xlink="http://www.w3.org/1999/xlink" MISMOReferenceModelIdentifier="3.4.032420160128">
<ABOUT_VERSIONS>
<ABOUT_VERSION>
<Abou... |
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