WIREFRAME — Mortgage Broker Pre-Qualification Stress-Test Dashboard

Six adversarial checks — every claim in the application is treated as unverified

Income Verification Flag

CRA NOA line 15000 shows $128,400 total; claimed $142,000 includes $13,600 in unsubstantiated bonus/commission (no T4A on file).

−$13,600 gap

Debt Service Reject

At B-20 stress rate 6.89% on verified income $128,400: GDS 42.1% (threshold 39%), TDS 48.3% (threshold 44%). Both ratios fail.

GDS/TDS fail

Property Valuation Flag

Appraisal $780,000 < purchase $785,000. CMHC uses the lower value for LTV; $5,000 shortfall on down payment adequacy.

−$5,000 shortfall

Employment Flag

Primary letter 234 days old (> 90-day standard); co-borrower probationary at 4 months; T4 gap in 2024–2025.

Stale · probation

Down Payment Source Reject

$26,500 of $78,500 appears as a recent deposit with no source documentation. CMHC requires full sourcing for insured mortgages.

$26,500 unsourced

Documentation Flag

Missing: co-borrower recent pay stub (within 30 days), current property tax assessment, employment letter refresh.

3 items missing

Cards reveal in sequence during the demo. Status by pill + border, not colour alone: Pass = supported · Flag = cure before submission · Reject = lender will decline. Every finding is traceable (see audit drawer).

Exception report — claimed qualification vs supporting evidence

Item	Check	Finding	Claimed	Supported	Delta	Source
Income	Income	NOA line 15000 totals $128,400 (primary $84,200 + co-borrower $44,200); $13,600 gap from uncorroborated commission	$142,000/yr	$128,400/yr	−$13,600	CRA NOA · T4
GDS	Debt Service	At B-20 stress rate 6.89%: PITH + heat + tax = $5,580/mo ÷ verified $10,700/mo = 42.1% (threshold 39%)	35.2%	42.1%	+6.9pp	OSFI B-20
TDS	Debt Service	GDS numerator + $780/mo debts = $6,360 ÷ $10,700 = 48.3% (threshold 44%)	41.8%	48.3%	+6.5pp	OSFI B-20
Appraisal	Property	Appraised $780,000 < purchase $785,000; CMHC LTV on lower value; down payment shortfall $5,000	$785,000	$780,000	−$5,000	CMHC · appraisal
Down pmt	Down Payment	$26,500 recent deposit (May 3) with no gift letter, transfer record, or other source documentation	$78,500	$52,000	−$26,500	Bank stmts · CMHC sourcing
Docs	Documentation	Co-borrower pay stub missing (must be within 30 days); property tax assessment not current year; employment letter > 90 days	Complete	3 items missing	—	Lender checklist
Adjudication: 3 cure · 3 do-not-submit (of 6 checks) — application unsupported as submitted; income $142K → $128K; GDS 35% → 42%; TDS 42% → 48%					both fail	B-20 + CMHC

Recommended position

Submit as-is

Cure before submission

Do not submit

Stress-test trigger: B-20 qualifying test fails — at the OSFI stress rate of 6.89% on verified income ($128,400), both GDS (42.1% vs 39%) and TDS (48.3% vs 44%) exceed thresholds. Any CMHC-approved lender will decline. Additionally, $26,500 of the down payment is unsourced — CMHC requires full documentation for insured mortgages.

Export audit trail (PDF) Generate submission memo (stub) Accept / override flags

Audit drawer (on click): Source = OSFI Guideline B-20 (October 2017, amended June 2021): "The minimum qualifying rate for uninsured and insured mortgages is the greater of the mortgage contract rate plus 2%, or 5.25%." At contract rate 4.89%: qualifying rate = max(6.89%, 5.25%) = 6.89%. Monthly payment at 6.89% on $706,500 (25-year amortization) ≈ $4,980. PITH + heating ($200/mo) + property tax ($400/mo) = $5,580. Verified gross monthly income = $128,400 / 12 = $10,700. GDS = $5,580 / $10,700 = 42.1% (exceeds 39%). TDS = ($5,580 + $780) / $10,700 = 48.3% (exceeds 44%). Recommendation: do not submit — cure income documentation or reduce the purchase price / mortgage amount before resubmission.

Why self-hosted (the wedge): the borrower file — SIN, NOA, credit report, employment, bank statements — is reviewed entirely on the broker's own Canadian-resident box (ca-box, OVHcloud Beauharnois, Quebec). Nothing touches a US multi-tenant cloud. PIPEDA §4.1.3 keeps consent with the individual; OSFI B-20 stress-test compliance is deterministic and auditable. DW is the adversarial pre-submission verification layer — it sits beside the broker's origination platform, it does not replace it.

Pre-submission review — this brokerage

34%

of 86 applications reviewed YTD required income cure, stress-test recalculation, or down payment sourcing before submission — the audit-ready record that FSRA/RECA expects, and that solo brokerages track in spreadsheets and email.

Bars = applications flagged per month · amber = above-threshold months.

Mockup only — illustrative figures, no live engine. Final figures come from the six-check engine per DESIGN-mortgage-broker-prequalification-stress-test-verification.md. Scope: pre-submission stress-test and document verification — not a credit decisioning engine or full origination platform.

Application MPQ-2847

Pre-submission review — this brokerage