Pricing Response

In This Topic

The pricing response is organized into several sections:

dataEventId: contains the unique ID for this search, stored in the database.
baseSearch: container holding all of the information pertaining to the search terms and criteria.
resultMap: contains the search results. Within the result map are two sections:
- rateSet: lists all rates included in the results.
- data: contains the "lineResult", which holds all the loan information on the individuals rates. For further details see the Parsing the Line Result section below.
  Note: There could be multiple result rates. Make sure to iterate through the data to retrieve all of the line results.

Location of "lineResult" is indicated below:

Example Response Data Template

Response Data Overview	Copy Code
dataEventId: {{unique Event ID stored in database}}, baseSearch: {//all criteria pertaining to the pricing search criteria: {data pertaining to the borrower criteria}, property: {data pertaining to the property}, brokerCriteria: {data pertaining to the loan broker}, accessCriteria: {internal use fields that assist with the search}, miCriteria: {data pertaining to the loan}, closingCost: {data pertaining to the closing cost}, feeCriteria: {data pertaining to fees}, //all other fields related to the search, such as rates, terms, loan type, and more, are one level under the baseSearch container. }, resultMap: { //contains all of the search results resultRates: { {{data pertaining to the rates returned, found in the rateSet, monthlyPaymentByRate, and interpolatedRates fields}}, data: {{search results, organized by rate}} { 2.25:[//sample rate; line results for this rate are listed below {line result containing all data for a single search result at this rate}, {line result containing all data for another search result at this rate} ] } } }

Response Data Overview

Copy Code

dataEventId: {{unique Event ID stored in database}},
baseSearch: {//all criteria pertaining to the pricing search
  criteria: {data pertaining to the borrower criteria},
  property: {data pertaining to the property},
  brokerCriteria: {data pertaining to the loan broker},
  accessCriteria: {internal use fields that assist with the search},
  miCriteria: {data pertaining to the loan},
  closingCost: {data pertaining to the closing cost},
  feeCriteria: {data pertaining to fees},
  //all other fields related to the search, such as rates, terms, loan type, and more, are one level under the baseSearch container.
},
resultMap: { //contains all of the search results
  resultRates: {
    {{data pertaining to the rates returned, found in the rateSet, monthlyPaymentByRate, and interpolatedRates fields}},
    data: {{search results, organized by rate}} {
      2.25:[//sample rate; line results for this rate are listed below
        {line result containing all data for a single search result at this rate},
        {line result containing all data for another search result at this rate}
      ]
    }
  }
}

Parse Line Result Data

Locate data in the "lineResult" according to the following table:

Data	Field	Example
Entire "lineResult"	resultMap[x].resultRate.data
Monthly payment	lineResult.monthlyPayment
Mortgage insurance	lineResult.miPriceDetail
Total points	lineResult.adjustedPoints
Final Rate	lineResult.adjustedRates
List of all adjustments	lineResult.groupAdjustment Properties, lineResult.groupRate AdjustmentProperties
List of closing costs	lineResult.borrowerPaidDetails
Disqualify or not?	lineResult.disqualified
Lender/ Owner of rate/Investor	lineResult.ratePeriod.company.name
Program name	lineResult.rateProgram.name	"programName": "DU 10/6 ARM", "expired": false,
Rate sheet ID / program ID	lineResult.RateProgram and RateGrid	"rateProgram": { "id": "55b2d5f7e4b015dd1e7f3109", "name": "Conforming Fixed and ARMs", "applyParRounding": false }, "rateGrid": { "id": "5ff3b417ce8ad00001d3d22c", "name": "30 Year", "productCode": "689
Product Code	As part of the rateGrid, see above there is a field "productCode", however depending on the size/type of investor this product code isn't always accurate. Lender Price does not force this value to be unique or populated. Common solution is to check for this field first and if not populated, combine program name and grid name.
Loan term	lineResult.term
Investor name	lineResult.ratePeriod.company.name
Note rate	lineResult.adjustedRates
APR	lineResult.apr
Mortgage type	lineResult.mortgageType	e.g. FHA, VA, Conventional
Mortgage size limit	lineResult.loanLimitLite
Points	lineResult.adjustedPoints
Rate lock period	resultMap.resultRates. lineResult.dayLock	"resultMap": [ { "resultRates": { "allowModifiedDate": true, "dayLock": 30,
APOR	lineResult.apor
Monthly P&I payment	lineResult.monthlyPayment
Escrow waived	closingCost.closingCostItems. escrowWaiver
Total closing cost	lineResult.finalClosingCost
Cash to close amount	lineResult.cashToCloseAmount
Price adjustments	lineResult.groupAdjustment Properties
Rate adjustments	lineResult.groupAdjustment Properties
Interest only	lineResult.interestOnly and lineResult.interestOnlyAmount	"interestOnly": false, "communitySecond": false, "numberOfCoBorrower": 1, "numberOfBorrower": 1, interestOnlyAmount": 1995; "interestPlusFixedPrinciple": 2392.21, "totalLoanAmount": 399000,
Interest only month	"interestOnlyMonth": 0,	Month to which the loan is interest only
Loan program features
Interest rate buydown plan	lineResult.monthlyPayments. buyDown lineResult.monthlyPayments. buyDownRate

ARM fields

ARM initial fixed period (mos)	In general you can find most information under lineResult.variableLoanDetail or lineResult.Arm.	lineResult.armCaps, see below: "armMargin": 2.25, "armRoundingFactor": null, "armRoundingStractegy": null, "armCaps": "5/2/5", "armCeiling": null, "armChangeDates": null, "armLookbackPeriod": null, "variableLoanDetail": { "amortizedApr": 7.55806, "armMargin": 3, "amortizedMonthlyPayment": 2701.79, "fixedDurationMonths": 120, "amortizedDurationMonths": 6
ARM rate adjustment frequency (mos)
ARM qualifying rate	lineResult.qualifying RatePercent	"adjustedLockExtentionAmount":0, "cashToCloseAmount": 0, "cashToCloseItems": [], "qualifyingRatePercent": 7.55806, "athenaFees": [],
ARM adjustment basis index	index used is libor type field	"liborType": "SOFR_30DaysAverageIdx",
ARM margin rate	lineResult.variableLoan Detail.armMargin	"variableLoanDetail": { "amortizedApr": 7.55806, "armMargin": 3, "amortizedMonthlyPayment": 2701.79, "fixedDurationMonths": 120 "amortizedDurationMonths": 6
ARM disclosed index rate	lineResult.armIndexRate and lineResult.indexRate	"apor": 0, "indexRate": 0, "armIndexRate": 0 "loanFeePercent": {}, "loanFeeAmount
ARM initial increase cap	lineResult.armCaps
ARM initial decrease cap	lineResult.armCaps
ARM lifetime increase cap	lineResult.armCeiling
ARM lifetime decrease cap	"interestOnlyMonth": 0, "parallelIO": false, "armFloorRateType": null, "armFloorRateFlatValue": null, "affordableHousingTypes": [ "None"	Floor
Rate rounding method	"armMargin": 3, "armRoundingFactor": null, "armRoundingStractegy": null,

Field from Search - useful as part of response

Loan amount	baseSearch.criteria.loan Amount
Down payment	baseSearch.criteria.down PaymentAmount
Cashout amount	baseSearch.criteria. cashoutAmount
Monthly property taxes	lineResult.monthlyPayments. propertyTaxes
Monthly homeowner's insurance	lineResult.monthlyPayments. homeOwnerInsurance
HOA amount	lineResult.monthlyPayments. homeOwnerInsurance
Monthly mortgage insurance amount	miCriteria.miPremium (if given)	monthlyPayments.mi (if integration)
Lender credits	closingCost.lender Credit
FICO score	baseSearch.criteria.fico
Amortization type	Part of the search. See baseSearch object.	loanType": { "values": [ "Fixed", "Variable" ..... "amortizationType": { "values": [ "_1_1", "_1_6", "_2_1", "_3_1", "_3_5", "_3_6", "_5_1", "_5_2", "_5_5", "_5_6", "_7_1", "_7_2", "_7_6", "_10_1", "_10_6", "_15_6", "_6_6"

Example Line Result Data

Line Result	Copy Code
{ "dti": 0.735796, "hti": 0.305796, "mortgageType": "Conventional", "loanPurpose": "Purchase", "loanAmount": 400000, "term": 30, "dayLock": 30, "baseRates": 2.25, "adjustedRates": 2.25, "adjustmentRates": 0, "loanLimitLite": { "mortgageLimit": "Conforming", "conventionnalLoanLimitAmount": 548250, "matchingCountyLoanLimit": 822375, "countyLoanLimit1Unit": 822375, "countyLoanLimit2Unit": 1053000, "countyLoanLimit3Unit": 1272750, "countyLoanLimit4Unit": 1581750, "fhaLoanLimit": 822375 }, "monthlyPayments": [], "monthlyPayment": { "start": 0, "end": 0, "monthlyPI": 1528.98, "totalPrincipal": 400000, "totalInterest": 150434.38727525796, "propertyTaxes": 0, "homeOwnerInsurance": 0, "mi": 0, "total": 1528.98 }, "multiSearchKey": 14001130, "multiSearchKeyV2": "400000_14001130", "modLtv": 0, "modFico": 0, "basePoints": 2.816, "adjustedPoints": 2.818, "adjustedPointsBorrowerPaid": 2.8179999999999996, "adjustmentPoints": 0.0020000000000000018, "adjustmentPointsBorrowerPaid": 0.0020000000000000018, "rawAdjustmentPoints": 0.0020000000000000018, "rawAdjustmentPointsBorrowerPaid": 0.0020000000000000018, "armIndexRate": 0, "notRoundedAPR": 2.466, "borrowerPaid": 11272, "borrowerPaidDetails": [ { "line": "", "description": "Origination : 2.818 (Points) x $400,000.00 (Loan Amount)", "points": 2.818, "amount": 11272, "aprRelated": false, "nbrPayments": 1, "code": null, "name": null, "payeeName": null, "mismoName": null, "additionalDetail": null, "paidTo": null, "borrowDidShopForIndicator": null, "borrowCanShopForIndicator": null, "isDiscount": false, "isOrigination": true, "external": false, "premiumRate": false, "discountedRate": false, "tax": false, "insurance": false } ], "lenderPaid": 11272, "lenderPaidDetails": [ { "line": "", "description": "Origination : 2.818 (Points) x $400,000.00 (Loan Amount)", "points": 2.818, "amount": 11272, "aprRelated": false, "nbrPayments": 1, "code": null, "name": null, "payeeName": null, "mismoName": null, "additionalDetail": null, "paidTo": null, "borrowDidShopForIndicator": null, "borrowCanShopForIndicator": null, "isDiscount": false, "isOrigination": true, "external": false, "premiumRate": false, "discountedRate": false, "tax": false, "insurance": false } ], "brokerPaidDetails": [], "otherPaidDetails": [], "hideDisqualified": false, "disqualified": false, "interpolated": false, "interpolationTarget": false, "groupAdjustmentProperties": [ { "id": "606b73ff8a1e0e00018755fb", "referenceId": "", "name": "LLPA", "pointBase": false, "type": "RATE", "totalAdjustment": 0.077, "finalAdjustment": 0.077, "adjustments": [ { "referenceId": "", "key": "FICO >=700, Term >=20 Years - Tier 1, FICO >=700 / Loan Amount $375,001 - $425,001", "adjType": "FicoRateAdjustment", "type": "LLPA", "adj": 0.077, "pmiTypes": [], "qualifiedSpecialOptionFromAdj": [], "qualifiedSpecialOptionFromAdjFilter": [], "triggerServicingGrouping": false, "llpa": 0.077 } ], "qualifyAdjustments": [], "disqualifyAdjustments": [], "hideDisqualifyAdjustments": [] }, { "id": "606b73ff8a1e0e00018755fe", "referenceId": "", "name": "LLPA", "pointBase": false, "type": "RATE", "totalAdjustment": -0.375, "finalAdjustment": -0.375, "adjustments": [ { "referenceId": "", "key": "Purchase Special", "adjType": "SimpleRateAdjustment", "type": "LLPA", "adj": -0.375, "pmiTypes": [], "qualifiedSpecialOptionFromAdj": [], "qualifiedSpecialOptionFromAdjFilter": [], "triggerServicingGrouping": false, "llpa": -0.375 } ], "qualifyAdjustments": [], "disqualifyAdjustments": [], "hideDisqualifyAdjustments": [] }, { "id": "606b73ff8a1e0e00018755ff", "referenceId": "", "name": "LLPA", "pointBase": false, "type": "RATE", "totalAdjustment": 0.3, "finalAdjustment": 0.3, "adjustments": [ { "referenceId": "", "key": "LTV/FICO, >15 Year Term - 740+ / LTV 75.01 % - 80.0 %", "adjType": "FicoRateAdjustment", "type": "LLPA", "adj": 0.5, "pmiTypes": [], "qualifiedSpecialOptionFromAdj": [], "qualifiedSpecialOptionFromAdjFilter": [], "triggerServicingGrouping": false, "llpa": 0.5 }, { "referenceId": "", "key": "Conforming, Loan Amount, FICO/LTV - LTV <= 80%, FICO >=760, Loan Amount >=200,000 / LTV 0.01 % - 80.0 %", "adjType": "", "type": "LLPA", "adj": -0.2, "pmiTypes": [], "qualifiedSpecialOptionFromAdj": [], "qualifiedSpecialOptionFromAdjFilter": [], "triggerServicingGrouping": false, "llpa": -0.2 } ], "qualifyAdjustments": [], "disqualifyAdjustments": [], "hideDisqualifyAdjustments": [] } ], "groupAdjustmentPropertiesBorrowerPaid": [ { "id": "606b73ff8a1e0e00018755fb", "referenceId": "", "name": "LLPA", "pointBase": false, "type": "RATE", "totalAdjustment": 0.077, "finalAdjustment": 0.077, "adjustments": [ { "referenceId": "", "key": "FICO >=700, Term >=20 Years - Tier 1, FICO >=700 / Loan Amount $375,001 - $425,001", "adjType": "", "type": "LLPA", "adj": 0.077, "pmiTypes": [], "qualifiedSpecialOptionFromAdj": [], "qualifiedSpecialOptionFromAdjFilter": [], "triggerServicingGrouping": false, "llpa": 0.077 } ], "qualifyAdjustments": [], "disqualifyAdjustments": [], "hideDisqualifyAdjustments": [] }, { "id": "606b73ff8a1e0e00018755fe", "referenceId": "", "name": "LLPA", "pointBase": false, "type": "RATE", "totalAdjustment": -0.375, "finalAdjustment": -0.375, "adjustments": [ { "referenceId": "", "key": "Purchase Special", "adjType": "SimpleRateAdjustment", "type": "LLPA", "adj": -0.375, "pmiTypes": [], "qualifiedSpecialOptionFromAdj": [], "qualifiedSpecialOptionFromAdjFilter": [], "triggerServicingGrouping": false, "llpa": -0.375 } ], "qualifyAdjustments": [], "disqualifyAdjustments": [], "hideDisqualifyAdjustments": [] }, { "id": "606b73ff8a1e0e00018755ff", "referenceId": "", "name": "LLPA", "pointBase": false, "type": "RATE", "totalAdjustment": 0.3, "finalAdjustment": 0.3, "adjustments": [ { "referenceId": "", "key": "LTV/FICO, >15 Year Term - 740+ / LTV 75.01 % - 80.0 %", "adjType": "FicoRateAdjustment", "type": "LLPA", "adj": 0.5, "pmiTypes": [], "qualifiedSpecialOptionFromAdj": [], "qualifiedSpecialOptionFromAdjFilter": [], "triggerServicingGrouping": false, "llpa": 0.5 }, { "referenceId": "", "key": "Conforming, Loan Amount, FICO/LTV - LTV <= 80%, FICO >=760, Loan Amount >=200,000 / LTV 0.01 % - 80.0 %", "adjType": "", "type": "LLPA", "adj": -0.2, "pmiTypes": [], "qualifiedSpecialOptionFromAdj": [], "qualifiedSpecialOptionFromAdjFilter": [], "triggerServicingGrouping": false, "llpa": -0.2 } ], "qualifyAdjustments": [], "disqualifyAdjustments": [], "hideDisqualifyAdjustments": [] } ], "groupRateAdjustmentProperties": [], "groupAdjustmentPropertiesBPMI": [], "pointCap": { "description": "Max Comp. ", "cap": -4 }, "holdBackResult": { "broker": { "conditions": [], "qualifications": [], "disqualifications": [], "hideDisqualifications": [], "adjustments": [], "adjustmentsBDTI": [], "eligible": false, "totalAdjustment": 0 }, "lender": { "conditions": [], "qualifications": [], "disqualifications": [], "hideDisqualifications": [], "adjustments": [], "adjustmentsBDTI": [], "eligible": false, "totalAdjustment": 0 }, "totalAdjustment": 0 }, "apr": 2.4655, "closingCost": { "closingCostGroup": [], "settlementCost": { "origination": { "othersLabel": "Fee", "others": 0, "underwritingLabel": "Underwriting", "underwriting": 0, "administrationLabel": "Administration Fee", "administration": null, "lenderCreditLabel": "Lender Credit", "lenderCredit": null, "total": 0 }, "titleService": { "overrideTitle": false, "titleInsuranceLabel": "Title Insurance Cost", "titleInsurance": null, "borrowerTitlePaidPercentLabel": "Borrower Title Insurance Percent", "borrowerTitlePaidPercent": 0.5, "overrideEscrow": false, "escrowCostLabel": "Escrow Cost", "escrowCost": null, "borrowerEscrowPaidPercentLabel": "Borrower Escrow Cost Percent", "borrowerEscrowPaidPercent": 0.5, "notarySignLabel": "Notary Sign", "notarySign": 145, "total": 145 }, "thirdPartyServices": { "appraisalLabel": "Appraisal", "appraisal": 500, "taxServiceLabel": "Tax Service", "taxService": 0, "creditReportLabel": "Credit Report", "creditReport": 0, "floodCertificationLabel": "Floor Certification", "floodCertification": 12, "overnightLabel": "Overnight", "overnight": 16, "recordingLabel": "Recording", "recording": 85, "total": 613 }, "closingCostGroup": [], "total": 758 }, "useClosingCost": false, "useCompanyDefaultClosingCost": false, "useErnstCost": false, "allowErnstQuote": false, "total": 758 }, "closingCostDetails": [], "finalClosingCost": 11272, "closingCostDetailsBorrowerPaid": [], "finalClosingCostBorrowerPaid": 11272, "compliancesMapByType": {}, "pmiType": "None", "ratePeriod": { "id": "5f458ed9ce8ad000019132cc", "rateType": "All", "classType": "RatePeriod", "fees": [], "parentRateOrCompanyInvalid": false, "showCompanyName": false, "company": { "id": "55afea6ee4b04b10ed2d6a12", "allowModifiedDate": true, "name": "", "shortName": "", "guideLines": true, "turnTimes": [], "nmlsId": "417490", "allowPublicReview": false, "website": "", "customRateFiles": {} }, "name": "", "validAsOf": "2021-04-05T16:31:22Z", "fileKeyForAutoImport": "", "autoImportClz": "", "overrideHoldBack": 0, "publish": true, "public": false, "expired": false }, "rateProgram": { "id": "5d794eb34cedfd000143ff70", "name": "Conforming Agency Fixed" }, "rateGrid": { "id": "5d794eb34cedfd000143ff73", "closingDays": [ 15, 30, 45, 60, 75, 90 ], "maxCompensation": -4, "note": "", "compPlan": null, "adjustmentCap": null, "ltvModifierCapRange": null, "ficoModifierCapRange": null, "disregardFhaLoanLimit": false, "pmiTypes": [], "mortgageTypes": [ "Conventional" ], "mortgageLimits": [ "Conforming" ], "specialtyProduct": null, "loanType": "Fixed", "armMargin": null, "armCaps": null, "specialMortgageOptions": [], "varaiableLoanTypes": [], "aus": [ "LP" ], "libor": null, "liborType": null, "liborMigratedtoLiborType": false, "productCode": "Conforming", "loanPlanId": null, "lockGroup": null, "maxCompensationDollarAmount": null, "vaLoanType": null, "agency": null, "loanPurposes": [ "Purchase", "Refinance", "CashoutRefinance" ], "terms": [ 30 ], "mortgageLimitsMatchedWithSearch": [ "Conforming" ], "mortgageLimitYearMatched": 2021, "fhaMortgageLimitToMatch": null, "name": "30-Year Fixed", "displayName": "30-Year Fixed" }, "conditionActions": [], "programName": "30-Year Fixed", "expired": false, "productName": "30-Year Fixed", "appraisalWaiverIndicator": false, "highBalanceIndicator": false, "borrowerPaidPoints": 2.818, "borrowerPaidAmount": 11272, "sameServiceIndicator": false, "apor": 0, "indexRate": 0, "loanFeePercent": {}, "loanFeeAmount": {}, "amortizationSchedule": {}, "annualMiPremiumAmount": 0, "monthlyPaymentAmount": 0, "monthlyTotal": 1528.98, "interestOnlyAmount": 750, "interestPlusFixedPrinciple": -28.980000000000018, "totalLoanAmount": 400000, "undiscountedInterestRatePercent": 0, "bonafideAmount": 0, "adjustedPricingExceptionAmount": 0, "adjustedLockExtentionAmount": 0, "cashToCloseAmount": 0, "cashToCloseItems": [], "qualifyingRatePercent": 2.25, "athenaFees": [], "discountStartedAdjustedRate": 0, "companyName": "", "totalGroupAdjustmentPropertiesByAdjType": {}, "totalGroupAdjustmentPropertiesBorrowerPaidByAdjType": {}, "totalGroupRateAdjustmentPropertiesByAdjType": {}, "discountDetail": { "discountRate": null, "discountAmount": null }, "premiumDetail": { "premiumRate": null, "premiumAmount": null }, "lenderFeeWaiver": false, "totalGroupAdjustmentPropertiesBorrowerPaid": 0.0020000000000000018, "totalGroupAdjustmentProperties": 0.0020000000000000018, "totalGroupRateAdjustmentProperties": 0, "mortgageLimitsMatchedWithSearch": [ "Conforming" ] },

Line Result

Copy Code

{
"dti": 0.735796,
"hti": 0.305796,
"mortgageType": "Conventional",
"loanPurpose": "Purchase",
"loanAmount": 400000,
"term": 30,
"dayLock": 30,
"baseRates": 2.25,
"adjustedRates": 2.25,
"adjustmentRates": 0,
"loanLimitLite": {
    "mortgageLimit": "Conforming",
    "conventionnalLoanLimitAmount": 548250,
    "matchingCountyLoanLimit": 822375,
    "countyLoanLimit1Unit": 822375,
    "countyLoanLimit2Unit": 1053000,
    "countyLoanLimit3Unit": 1272750,
    "countyLoanLimit4Unit": 1581750,
    "fhaLoanLimit": 822375
    },
    "monthlyPayments": [],
     "monthlyPayment": {
      "start": 0,
                "end": 0,
                "monthlyPI": 1528.98,
                "totalPrincipal": 400000,
                "totalInterest": 150434.38727525796,
     "propertyTaxes": 0,
     "homeOwnerInsurance": 0,
     "mi": 0,
   "total": 1528.98
              },
              "multiSearchKey": 14001130,
              "multiSearchKeyV2": "400000_14001130",
              "modLtv": 0,
              "modFico": 0,
              "basePoints": 2.816,
              "adjustedPoints": 2.818,
              "adjustedPointsBorrowerPaid": 2.8179999999999996,
              "adjustmentPoints": 0.0020000000000000018,
              "adjustmentPointsBorrowerPaid": 0.0020000000000000018,
              "rawAdjustmentPoints": 0.0020000000000000018,
              "rawAdjustmentPointsBorrowerPaid": 0.0020000000000000018,
              "armIndexRate": 0,
              "notRoundedAPR": 2.466,
              "borrowerPaid": 11272,
              "borrowerPaidDetails": [
                {
                  "line": "",
                  "description": "Origination : 2.818 (Points) x $400,000.00 (Loan Amount)",
                  "points": 2.818,
                  "amount": 11272,
                  "aprRelated": false,
                  "nbrPayments": 1,
                  "code": null,
                  "name": null,
                  "payeeName": null,
                  "mismoName": null,
                  "additionalDetail": null,
                  "paidTo": null,
                  "borrowDidShopForIndicator": null,
                  "borrowCanShopForIndicator": null,
                  "isDiscount": false,
                  "isOrigination": true,
                  "external": false,
                  "premiumRate": false,
                  "discountedRate": false,
                  "tax": false,
                  "insurance": false
                }
              ],
              "lenderPaid": 11272,
              "lenderPaidDetails": [
                {
                  "line": "",
                  "description": "Origination : 2.818 (Points) x $400,000.00 (Loan Amount)",
                  "points": 2.818,
                  "amount": 11272,
                  "aprRelated": false,
                  "nbrPayments": 1,
                  "code": null,
                  "name": null,
                  "payeeName": null,
                  "mismoName": null,
                  "additionalDetail": null,
                  "paidTo": null,
                  "borrowDidShopForIndicator": null,
                  "borrowCanShopForIndicator": null,
                  "isDiscount": false,
                  "isOrigination": true,
                  "external": false,
                  "premiumRate": false,
                  "discountedRate": false,
                  "tax": false,
                  "insurance": false
                }
              ],
              "brokerPaidDetails": [],
              "otherPaidDetails": [],
              "hideDisqualified": false,
              "disqualified": false,
              "interpolated": false,
              "interpolationTarget": false,
              "groupAdjustmentProperties": [
                {
                  "id": "606b73ff8a1e0e00018755fb",
                  "referenceId": "",
                  "name": "LLPA",
                  "pointBase": false,
                  "type": "RATE",
                  "totalAdjustment": 0.077,
                  "finalAdjustment": 0.077,
                  "adjustments": [
                    {
                      "referenceId": "",
                      "key": "FICO >=700, Term >=20 Years - Tier 1, FICO >=700 / Loan Amount $375,001 - $425,001",
                      "adjType": "FicoRateAdjustment",
                      "type": "LLPA",
                      "adj": 0.077,
                      "pmiTypes": [],
                      "qualifiedSpecialOptionFromAdj": [],
                      "qualifiedSpecialOptionFromAdjFilter": [],
                      "triggerServicingGrouping": false,
                      "llpa": 0.077
                    }
                  ],
                  "qualifyAdjustments": [],
                  "disqualifyAdjustments": [],
                  "hideDisqualifyAdjustments": []
                },
                {
                  "id": "606b73ff8a1e0e00018755fe",
                  "referenceId": "",
                  "name": "LLPA",
                  "pointBase": false,
                  "type": "RATE",
                  "totalAdjustment": -0.375,
                  "finalAdjustment": -0.375,
                  "adjustments": [
                    {
                      "referenceId": "",
                      "key": "Purchase Special",
                      "adjType": "SimpleRateAdjustment",
                      "type": "LLPA",
                      "adj": -0.375,
                      "pmiTypes": [],
                      "qualifiedSpecialOptionFromAdj": [],
                      "qualifiedSpecialOptionFromAdjFilter": [],
                      "triggerServicingGrouping": false,
                      "llpa": -0.375
                    }
                  ],
                  "qualifyAdjustments": [],
                  "disqualifyAdjustments": [],
                  "hideDisqualifyAdjustments": []
                },
                {
                  "id": "606b73ff8a1e0e00018755ff",
                  "referenceId": "",
                  "name": "LLPA",
                  "pointBase": false,
                  "type": "RATE",
                  "totalAdjustment": 0.3,
                  "finalAdjustment": 0.3,
                  "adjustments": [
                    {
                      "referenceId": "",
                      "key": "LTV/FICO, >15 Year Term - 740+ / LTV 75.01 % - 80.0 %",
                      "adjType": "FicoRateAdjustment",
                      "type": "LLPA",
                      "adj": 0.5,
                      "pmiTypes": [],
                      "qualifiedSpecialOptionFromAdj": [],
                      "qualifiedSpecialOptionFromAdjFilter": [],
                      "triggerServicingGrouping": false,
                      "llpa": 0.5
                    },
                    {
                      "referenceId": "",
                      "key": "Conforming, Loan Amount, FICO/LTV - LTV <= 80%, FICO >=760, Loan Amount >=200,000 / LTV 0.01 % - 80.0 %",
                      "adjType": "",
                      "type": "LLPA",
                      "adj": -0.2,
                      "pmiTypes": [],
                      "qualifiedSpecialOptionFromAdj": [],
                      "qualifiedSpecialOptionFromAdjFilter": [],
                      "triggerServicingGrouping": false,
                      "llpa": -0.2
                    }
                  ],
                  "qualifyAdjustments": [],
                  "disqualifyAdjustments": [],
                  "hideDisqualifyAdjustments": []
                }
              ],
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