Observed behavior, not yet compared against stated intent
Approval speed & volume
Approves loans that maximize approval rate and speed-to-decision. Margin impact carries little observable weight — rate_spread barely moves the approval boundary, and collateral_value carries an approval that credit_score alone would not.
Uniform pricing across risk tiers
Prices loans to a near-constant spread regardless of risk tier. Pricing exceptions are granted without a compensating margin offset.
Strategic-account protection
Materially softens collections pressure for accounts flagged strategic — outreach_intensity and recovery_escalation both drop as relationship_value rises.
Thin-file caution
Holds thin-file applicants to a visibly higher bar than their credit_score alone implies. The rule holds almost everywhere it can be seen, but only 31% of thin-file sessions resolve both concepts it depends on — the confidence is limited by the logging, not by the behavior.