RMI Reasons & Rate

Refreshed last 30 days · metric: RMI Actions Rate

Current

22.0%

Target 5.0%

Period avg

20.3%

min 17.2% · max 23.5%

vs Target

+17.0pp

Last 30 days

vs Benchmark

+5%

Above peer state avg.

30d trend

30 datapoints
D-29— target 5.0%D-0

Breakdowns

By reason

  • Legal name mismatch32.0%
  • Illegible W-918.0%
  • Bank ownership14.0%
  • Address inconsistency9.0%
  • TIN mismatch7.0%

By analyst

  • Jordan Lee24.0%
  • Marcus Okafor18.0%
  • Priya Iyer16.0%
  • Sara Klein12.0%

Top contributors

  1. 1

    Top driver: AI Validation lane

    38% of cases pass first time

    +4pp
  2. 2

    Top blocker: TIN mismatch

    12% require RMI

    +1pp
  3. 3

    Bright spot: Direct deposit

    Adoption climbing

    +2pp

Narrative

Over the last 30d window, RMI Reasons & Rate (RMI Actions Rate) tracked at 22.0% against a target of 5.0%. Cumulative volume passed through above target on 17 of the days in the window. Variability stays inside acceptable noise bands; the auto-deflection rate and the dual-approval queue are the two largest contributors.