AI ee Kediska Amaahda Amaahda

Jawaabaha iyo sharraxaadaha waxay soo baxayaan markaad qaadanayso kediska.

1. Muxuu soo celinayaa nidaamka hoos-qorista tooska ah sida Fannie Mae's Desktop Underwriter?
   • Oggolaanshaha amaahda ee kama dambaysta ah, ee si sharci ah loo qabanayo
   • Talo iyo shuruudo loogu talagalay in qofka wax qora uu caddeeyo
   • Warbixinta qiimaynta oo uu saxeexay qiimeeye shati haysta
   • Dhibcaha credit ee bedelay FICO
2. Waa maxay sababta deyn bixiyuhu u dalban karo qiimeeyn buuxda xitaa marka qiyaasta AVM la heli karo?
   • AVM-yadu waa sharci-darro deymaha dib-u-maalgelinta
   • Cabbirka kalsoonida AVM ee hantidaas waa mid hooseeysa
   • Qiimaynta had iyo jeer way ka jaban tahay AVM-yada
   • AVM-yadu waxay kaliya u shaqeeyaan hantida ganacsiga
3. Nooca hantida AVM ay u badan tahay inuu si liidata u qiimeeyo?
   • Guri caadi ah oo ku yaal xaafad leh iibyo badan oo dhowaan dhacay
   • Guryo guri oo ku yaal dhismo weyn oo leh iibsi joogto ah
   • Hanti aan caadi ahayn oo miyi ah oo leh iibyo la mid ah oo yar
   • A newer suburban home similar to its neighbors
4. What is the main job of intelligent document processing in a loan file?
   • Setting the loan's interest rate
   • Classifying pages, extracting fields and cross-checking figures
   • Negotiating the home's purchase price
   • Choosing which borrowers to market to
5. According to the CFPB's position, what happens when a lender's credit model is too complex to explain easily?
   • The lender is exempt from giving denial reasons
   • The lender must still give applicants specific reasons for a denial
   • The lender may cite 'algorithm decision' as the reason
   • The applicant must request reasons in writing within a year
6. Why can location data create fair-lending risk in mortgage models?
   • Location data is usually inaccurate
   • Because of redlining history, location can act as a proxy for race
   • Federal law bans using addresses in lending
   • Location has no link to property values
7. What lesson does the 2021 shutdown of Zillow Offers illustrate?
   • AVMs are always more accurate than appraisers
   • Valuation forecast errors can carry real financial cost
   • Home prices cannot be modeled at all
   • Document processing caused the losses
8. What is a 'less discriminatory alternative' search?
   • Looking for borrowers from underserved areas to market to
   • Finding a model that performs nearly as well with smaller disparities
   • Replacing all models with manual underwriting
   • Removing credit history from applications