Mirror Report — Retail Lending Latest report Version history
Organization: Meridian Trust ▸ Business Unit: Retail Lending ▸ Agent: All agents (3) As of: Run #14 Group by Domain concept Agent
Run #14 · Jul 29, 2026 · 09:14
Gap Report
3/3 Agents synced
Coverage
Of three stated priorities, one shows a confirmed divergence, one is consistent, and one lacks enough evidence to judge. The Credit Decisioning Agent is optimizing for approval speed, not the stated margin priority — the gap is concentrated in 214 large-balance approvals over the last 30 days.
1 divergent 1 consistent 1 insufficient evidence Business units — Lending: 2 priorities · Payments: 1 priority · 100% discovery coverage
Creditworthiness Divergent
Credit Decisioning Agent · 2,003 decisions
high confidence · 92% coverage Approvals track applicant_income & collateral_value; margin impact (rate_spread) carries little observable weight.
Decision Date Detail
DEC-88213 Jul 24 $2.4M approval · rate_spread −180bps vs risk tier
DEC-88190 Jul 22 $1.1M approval · rate_spread −140bps vs risk tier
DEC-88147 Jul 19 $3.0M approval · rate_spread −210bps vs risk tier
Pricing / margin Divergent
Pricing Exception Agent, Credit Decisioning Agent · 1,240 decisions
high confidence · 90% coverage rate_spread is flat across risk tiers — pricing does not widen with risk.
Decision Date Detail
DEC-90114 Jul 26 Tier-4 loan priced at tier-1 spread
DEC-90088 Jul 21 Exception granted with no margin offset
Account value Consistent
Collections Outreach Agent · 975 decisions
high confidence · 88% coverage strategic_account flag reliably lowers outreach intensity and repayment pressure.
Decision Date Detail
DEC-77012 Jul 25 Strategic account · outreach cadence reduced 60%
Decisions that widened the gap most — Protect margin over deal velocity
Decision Date Amount Margin Δ Gap score
DEC-88213 Jul 24 $2.4M −180bps 8.4
DEC-88190 Jul 22 $1.1M −140bps 6.9
DEC-88147 Jul 19 $3.0M −210bps 6.1