When you see the 'pass decision' status, this means that the application passed your filters and then passed the model.  The underwriting ratios are not a "hard stop" and will not cause an application to pass or fail.  Based on the workflow, a model is requested and a decision has already been made by the time those ratios calculated.  The ‘fail’ flag in the underwriting ratio is simply a visual indicator to the loan officer that the ratio is potentially higher than normal.  

To find the decision on the underwriting ratios assessment requirements, you will need to look on the Loan Application Financial Summary screen.  

Refer to the help topics and booklets below for more information.