Isn't this going to mean people who are already unhealthy are going to pay higher premiums?" Though the law promises to end discrimination in coverage based on health status, Mr. Jost called the wellness provisions "a loophole big enough to drive a semi through," adding, "Insurers know darn well this will allow them to continue to underwrite based on health status".
"We told them we're not going to underwrite based on an increase in the current rent roll," Somerville told The Huffington Post.
Moody's said many lenders were underwriting loans based on optimistic projections of future rent growth, even when the leases were relatively new.
"We did the market analysis of this area, and this project," Mr. Grossman noted, "and we are underwriting it based on a superb plan for a historic building that will provide very high-quality housing units".
If you have bad credit, this can work to your advantage because the federal government does not underwrite student loans based on credit scores.
The reason that you potentially can lower your interest rate when you refinance student loans is that unlike the federal government, private student loan lenders underwrite student loans based on the borrower's underlying credit profile.
"My daughter could come up with an underwriting model based on what band you like and it would work fine right now," says SoFi's Mr Cagney.
Financing is once again available, but lenders are no longer underwriting loans based on projections of significant future rent growth or lease-up, as they did in the last cycle, and buyers must put up at least 20 percent of the equity, said Marcus Giancaterino, the global head of commercial real estate finance at Citigroup.
GreenSky's underwriting is based on the same income, FICO scores and credit bureau reports that banks have used for decades.
In all cases, banks set aside their underwriting standards based on what borrowers could prove they were earning with pay stubs, tax returns and the like.
PayPal financing risk underwriting is based on inherent PayPal data, but there isn't a good value proposition to get the user to connect the rest of their data (creepy factor), so the narrow data view leads to a narrow, limited product offering.
