{"id":"global","baseRate":6.875,"minRate":6.875,"minDscrThreshold":1.005,"rateMatrix":[{"id":"fico-ltv","rows":[{"id":"1","label":"780+","active":true,"values":{"55":0,"60":0,"65":0,"70":0,"75":0.125,"80":0.5}},{"id":"2","label":"760 - 779","active":true,"values":{"55":0,"60":0,"65":0.125,"70":0.25,"75":0.375,"80":0.625}},{"id":"3","label":"740 - 759","active":true,"values":{"55":0,"60":0.125,"65":0.25,"70":0.375,"75":0.5,"80":0.75}},{"id":"4","label":"720 - 739","active":true,"values":{"55":0,"60":0.25,"65":0.375,"70":0.5,"75":0.625,"80":0.875}},{"id":"5","label":"700 - 719","active":true,"values":{"55":0,"60":0.375,"65":0.5,"70":0.625,"75":0.875,"80":1}},{"id":"6","label":"680 - 699","active":true,"values":{"55":0.25,"60":0.375,"65":0.5,"70":0.625,"75":1,"80":1.75}},{"id":"7","label":"660 - 679","active":true,"values":{"55":0.625,"60":0.75,"65":0.875,"70":1,"75":null,"80":null}}],"title":"FICO vs LTV Rate Adjustments"},{"id":"state","rows":[{"id":"1","label":"Tier 2 States (AL, GA, KS, MN, MS, MO, NE, SD, WI, WY)","active":true,"values":{"55":0.375,"60":0.375,"65":0.375,"70":0.375,"75":null,"80":null}}],"title":"State Rate Adjustments"},{"id":"property-type","rows":[{"id":"1","label":"2-4 Unit","active":true,"values":{"55":0.125,"60":0.25,"65":0.25,"70":0.375,"75":0.375,"80":0.5}},{"id":"2","label":"SFR","active":true,"values":{"55":0,"60":0,"65":0,"70":0,"75":0,"80":0}},{"id":"3","label":"Condo","active":true,"values":{"55":0,"60":0,"65":0,"70":0,"75":0,"80":0}},{"id":"4","label":"5-8 Unit","active":true,"values":{"55":1,"60":1.125,"65":1.375,"70":null,"75":null,"80":null},"minDscr":1.3,"minNoteRate":7.5,"publicEnabled":true}],"title":"Property Type Rate Adjustments"},{"id":"dscr","rows":[{"id":"1","label":"DSCR < 1.00 (0.75 - 0.99)","active":true,"values":{"55":0.75,"60":0.75,"65":0.75,"70":null,"75":null,"80":null}},{"id":"2","label":"DSCR 1.00 - 1.15","active":true,"values":{"55":0,"60":0,"65":0.125,"70":0.125,"75":0.125,"80":0.25}},{"id":"3","label":"DSCR 1.15+","active":true,"values":{"55":0,"60":0,"65":0,"70":0,"75":0,"80":0}}],"title":"DSCR Rate Adjustments"},{"id":"loan-type","rows":[{"id":"1","label":"Cash Out Refinance","active":true,"values":{"55":0.25,"60":0.25,"65":0.25,"70":0.25,"75":0.375,"80":null}},{"id":"2","label":"Cash Out < $100,000","active":true,"values":{"55":0.125,"60":0.125,"65":0.125,"70":0.125,"75":0.125,"80":0.125}},{"id":"3","label":"Purchase","active":true,"values":{"55":-0.125,"60":-0.125,"65":-0.125,"70":-0.125,"75":-0.125,"80":-0.125}}],"title":"Loan Type Rate Adjustments"},{"id":"loan-amount","rows":[{"id":"1","label":"> $1,500,000","active":true,"values":{"55":0.5,"60":0.5,"65":0.5,"70":null,"75":null,"80":null}},{"id":"2","label":"$1,000,000 - $1,499,999.99","active":true,"values":{"55":0,"60":0,"65":0,"70":0,"75":0,"80":0}},{"id":"3","label":"$350,000 - $999,999.99","active":true,"values":{"55":-0.125,"60":-0.125,"65":-0.125,"70":-0.125,"75":-0.125,"80":-0.125}},{"id":"4","label":"$150,000 - $349,999.99","active":true,"values":{"55":0,"60":0,"65":0,"70":0,"75":0,"80":0}},{"id":"5","label":"$100,000 - $149,999.99","active":true,"values":{"55":0.25,"60":0.25,"65":0.25,"70":0.25,"75":0.25,"80":0.25}},{"id":"6","label":"< $100,000","active":true,"values":{"55":0.75,"60":0.75,"65":0.75,"70":0.75,"75":0.75,"80":0.75}}],"title":"Loan Amount Rate Adjustments"},{"id":"ppp","rows":[{"id":"1","label":"5 Year Prepayment Penalty","active":true,"values":{"55":0,"60":0,"65":0,"70":0,"75":0,"80":0}},{"id":"2","label":"3 Year Prepayment Penalty","active":true,"values":{"55":0.375,"60":0.375,"65":0.375,"70":0.375,"75":0.375,"80":0.375}},{"id":"3","label":"2 Year Prepayment Penalty","active":true,"values":{"55":0.5,"60":0.5,"65":0.5,"70":0.5,"75":0.5,"80":0.5}},{"id":"4","label":"1 Year Prepayment Penalty","active":true,"values":{"55":0.625,"60":0.625,"65":0.625,"70":0.625,"75":0.625,"80":0.625}},{"id":"5","label":"Zero Prepayment Penalty","active":true,"values":{"55":0.875,"60":0.875,"65":0.875,"70":0.875,"75":0.875,"80":0.875}}],"title":"Prepayment Penalty Rate Adjustments"}],"updatedAt":"2026-10-15T18:01:10.047Z","updatedBy":"Corey McGinnis","derivedPricingModel":{"low":6.88,"high":8.5,"gridCells":[{"rate":6.88,"isFloor":true,"ficoLabel":"780+","ltvBucket":"55","isGridNull":false},{"rate":6.88,"isFloor":true,"ficoLabel":"780+","ltvBucket":"60","isGridNull":false},{"rate":6.88,"isFloor":true,"ficoLabel":"780+","ltvBucket":"65","isGridNull":false},{"rate":6.88,"isFloor":true,"ficoLabel":"780+","ltvBucket":"70","isGridNull":false},{"rate":6.88,"isFloor":true,"ficoLabel":"780+","ltvBucket":"75","isGridNull":false},{"rate":7.25,"isFloor":false,"ficoLabel":"780+","ltvBucket":"80","isGridNull":false},{"rate":6.88,"isFloor":true,"ficoLabel":"760 – 779","ltvBucket":"55","isGridNull":false},{"rate":6.88,"isFloor":true,"ficoLabel":"760 – 779","ltvBucket":"60","isGridNull":false},{"rate":6.88,"isFloor":true,"ficoLabel":"760 – 779","ltvBucket":"65","isGridNull":false},{"rate":7,"isFloor":false,"ficoLabel":"760 – 779","ltvBucket":"70","isGridNull":false},{"rate":7.13,"isFloor":false,"ficoLabel":"760 – 779","ltvBucket":"75","isGridNull":false},{"rate":7.38,"isFloor":false,"ficoLabel":"760 – 779","ltvBucket":"80","isGridNull":false},{"rate":6.88,"isFloor":true,"ficoLabel":"740 – 759","ltvBucket":"55","isGridNull":false},{"rate":6.88,"isFloor":true,"ficoLabel":"740 – 759","ltvBucket":"60","isGridNull":false},{"rate":7,"isFloor":false,"ficoLabel":"740 – 759","ltvBucket":"65","isGridNull":false},{"rate":7.13,"isFloor":false,"ficoLabel":"740 – 759","ltvBucket":"70","isGridNull":false},{"rate":7.25,"isFloor":false,"ficoLabel":"740 – 759","ltvBucket":"75","isGridNull":false},{"rate":7.5,"isFloor":false,"ficoLabel":"740 – 759","ltvBucket":"80","isGridNull":false},{"rate":6.88,"isFloor":true,"ficoLabel":"720 – 739","ltvBucket":"55","isGridNull":false},{"rate":7,"isFloor":false,"ficoLabel":"720 – 739","ltvBucket":"60","isGridNull":false},{"rate":7.13,"isFloor":false,"ficoLabel":"720 – 739","ltvBucket":"65","isGridNull":false},{"rate":7.25,"isFloor":false,"ficoLabel":"720 – 739","ltvBucket":"70","isGridNull":false},{"rate":7.38,"isFloor":false,"ficoLabel":"720 – 739","ltvBucket":"75","isGridNull":false},{"rate":7.63,"isFloor":false,"ficoLabel":"720 – 739","ltvBucket":"80","isGridNull":false},{"rate":6.88,"isFloor":true,"ficoLabel":"700 – 719","ltvBucket":"55","isGridNull":false},{"rate":7.13,"isFloor":false,"ficoLabel":"700 – 719","ltvBucket":"60","isGridNull":false},{"rate":7.25,"isFloor":false,"ficoLabel":"700 – 719","ltvBucket":"65","isGridNull":false},{"rate":7.38,"isFloor":false,"ficoLabel":"700 – 719","ltvBucket":"70","isGridNull":false},{"rate":7.63,"isFloor":false,"ficoLabel":"700 – 719","ltvBucket":"75","isGridNull":false},{"rate":7.75,"isFloor":false,"ficoLabel":"700 – 719","ltvBucket":"80","isGridNull":false},{"rate":7,"isFloor":false,"ficoLabel":"680 – 699","ltvBucket":"55","isGridNull":false},{"rate":7.13,"isFloor":false,"ficoLabel":"680 – 699","ltvBucket":"60","isGridNull":false},{"rate":7.25,"isFloor":false,"ficoLabel":"680 – 699","ltvBucket":"65","isGridNull":false},{"rate":7.38,"isFloor":false,"ficoLabel":"680 – 699","ltvBucket":"70","isGridNull":false},{"rate":7.75,"isFloor":false,"ficoLabel":"680 – 699","ltvBucket":"75","isGridNull":false},{"rate":8.5,"isFloor":false,"ficoLabel":"680 – 699","ltvBucket":"80","isGridNull":false},{"rate":7.38,"isFloor":false,"ficoLabel":"660 – 679","ltvBucket":"55","isGridNull":false},{"rate":7.5,"isFloor":false,"ficoLabel":"660 – 679","ltvBucket":"60","isGridNull":false},{"rate":7.63,"isFloor":false,"ficoLabel":"660 – 679","ltvBucket":"65","isGridNull":false},{"rate":7.75,"isFloor":false,"ficoLabel":"660 – 679","ltvBucket":"70","isGridNull":false},{"rate":null,"isFloor":false,"ficoLabel":"660 – 679","ltvBucket":"75","isGridNull":true},{"rate":null,"isFloor":false,"ficoLabel":"660 – 679","ltvBucket":"80","isGridNull":true}],"sourceHash":"a8376a60","modelVersion":1,"effectiveAsOf":"2026-10-15T18:01:10.047Z","anchorScenario":{"type":"multiple_combinations","floorRate":6.88},"boundaryValues":{"minDscr":1.005,"minFico":660,"maxLtvBuckets":["55","60","65","70","75","80"],"ineligiblePropertyTypes":["mixed_use","commercial"]}},"derivedModelVersion":1}