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While decision components vary by underwriting configuration, common components include:

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Identity verification

Verifies stakeholder identities against government databases and credit bureaus.
  • Validates name, date of birth, SSN/TIN
  • Checks for identity fraud indicators
  • Produces status outcomes: VERIFIED, FAILED, REVIEW_REQUIRED

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TIN match

Validates business Tax Identification Number (EIN) with IRS records.
  • Confirms business legal name matches IRS records
  • Verifies TIN is valid and active
  • Produces status outcomes: MATCH, MISMATCH, REVIEW_REQUIRED

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Bank account verification

Verifies bank account ownership and validity.
  • Confirms account is active and accessible
  • Validates routing and account numbers
  • May use micro-deposits or third-party verification
  • Produces status outcomes: VERIFIED, FAILED, PENDING

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Credit assessment

Evaluates business and stakeholder creditworthiness.
  • Retrieves credit scores and reports
  • Assesses credit history
  • Produces assessment outcomes: credit score, risk rating
ScenarioBen’s keyboard business application completes automated processing. The identity verification and TIN match components both return VERIFIED status. However, the bank account verification component returns REVIEW_REQUIRED because the account was recently opened. The application moves to Pending status, and an underwriter reviews the bank account documentation.

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Decision component schema

The decision component schema defines the structure and expected fields for each component type. Query the schema using the schema field on UnderwritingApplication to understand:
  • Available decision components
  • Expected fields for each component
  • Field data types and validation rules

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Query decision components schema

The schema helps you understand what decision components will run and what data they evaluate.
The decision components schema is useful for building integrations that display underwriting status and results to end users in a structured way.
query UnderwritingApplication($input: UnderwritingApplicationInput!) {
  underwritingApplications(input: $input) {
    items {
      id
      schema {
        id
        version
        underwritingDecisionComponentSchemas {
          id
          label
          underwritingDecisionComponentItemSchemas {
            id
            label
            underwritingDecisionComponentFieldSchemas {
              id
              label
              helperText
              isRequired
              isReadOnly
              fieldType
            }
          }
        }
      }
    }
  }
}