Lesson 24 of the free Quibank NMLS SAFE course. Three things sit between a complete file and a loan you can actually close, and the exam tests them as a hierarchy: what the machine says, what the law requires, and what the product may contain.
Free practice questions: https://quibank.com/en/mlo
Episode page: https://quibank.com/en/podcast/nmls-safe-mlo-course-24-underwriting-decision-aus-atr-qm