REV-026 / Northstar Community Bank

Consumer underwriting Q1–Q2 2026

Unsecured consumer installment · Nimbus v4.1 → v4.2 · Jan 1 – Jun 30, 2026

MCMaya Chen · prepared / Ellis Morgan · independent reviewer

Draft
Data qualification
Testing
Challenge
Management response
Retest
Complete

DATA QUALIFICATION

Reconcile the analyzed population.

12,481 rows · DS-026.2 · fnv1a32-1157db84

Reviewable only within explicit limits

Global missing proxy data is 6.10%; it is 34.84% in Partner Marketplace. All pricing values are unavailable in this dataset: pricing analysis is blocked. No source-bank reconciliation is claimed.

Coverage by channel

Channel	Rows	Missing proxy	Local missingness	Action
Partner Marketplace	2,184	761	34.84%	Withhold full-population inference
Branch	1,932	0	0.00%	Qualify configured population
Direct Web	8,151	0	0.00%	Qualify configured population
Not supplied	214	0	0.00%	Excluded from channel-specific tests

Source reconciliation

Source: Deterministic synthetic generator; no production ingestion
Duplicate application IDs: 0
Repeated-applicant excess records: 128
Decision versus application date: Separate UTC timestamps. Scope uses decision date.
Transformations: Filter scope → exclude non-final → first final per applicant → exclude missing proxy → identify sparse bands.
Pricing: 0% APR coverage; no pricing outcome inference

Data dictionary

Field	Type	Definition	Nullable
id	string	Application identifier, not applicant identity	No
applicantId	string	Applicant identity used for within-scope repeated-application exclusions	No
timestamp	string	Final decision timestamp (UTC); scope uses this field	No
applicationTimestamp	string	Application received timestamp (UTC); not used to select decision period	No
channel	string	Supplied synthetic decision-record field; see original row	No
product	string	Supplied synthetic decision-record field; see original row	No
amount	number	Supplied synthetic decision-record field; see original row	No
term	number	Supplied synthetic decision-record field; see original row	No
income	number	Supplied synthetic decision-record field; see original row	No
dti	number	Supplied synthetic decision-record field; see original row	No
bureau	number	Supplied synthetic decision-record field; see original row	No
utilization	number	Supplied synthetic decision-record field; see original row	No
delinquencies	number	Supplied synthetic decision-record field; see original row	No
inquiries	number	Supplied synthetic decision-record field; see original row	No
purpose	string	Supplied synthetic decision-record field; see original row	No
geography	string	Supplied synthetic decision-record field; see original row	No
pd	number	Synthetic probability-of-default model output in percent	No
score	number	Supplied synthetic decision-record field; see original row	No
version	string	Supplied synthetic decision-record field; see original row	No
threshold	number	Supplied synthetic decision-record field; see original row	No
rules	string	Supplied synthetic decision-record field; see original row	No
policy	string	Supplied synthetic decision-record field; see original row	No
override	string	Supplied synthetic decision-record field; see original row	No
overrideReason	string	Supplied synthetic decision-record field; see original row	No
actor	string	Supplied synthetic decision-record field; see original row	No
decision	string	Supplied synthetic decision-record field; see original row	No
reasons	array	Supplied synthetic decision-record field; see original row	No
mapper	string	Supplied synthetic decision-record field; see original row	No
source	string	Supplied synthetic decision-record field; see original row	No
cohort	string	Supplied fictional proxy class; not an observed protected attribute	Yes
provenance	string	Supplied synthetic decision-record field; see original row	No
proxyProbability	number	Illustrative source confidence; not a calibrated probability or reweighting input	Yes
integrity	string	Supplied synthetic decision-record field; see original row	No
riskBand	string	Predeclared bureau-score stratum; no post-outcome matching	No
pricingApr	object	Unavailable; pricing analysis is blocked	Yes
lineage	object\|null	Supplied synthetic decision-record field; see original row	Yes

Inspect exact eligibility and exclusions