Pricing Response

The pricing search response contains three top-level sections:

Section	Description
`dataEventId`	Unique ID for this search event, stored in the database
`baseSearch`	The search criteria that was used — this is the same object you sent in the request
`resultMap`	The actual pricing results, organized by rate

Response Structure

The response follows this hierarchy:

response
├── dataEventId          ← unique search event ID
├── baseSearch           ← your search criteria echoed back
│   ├── criteria         ← borrower info (FICO, LTV, loan amount, etc.)
│   ├── property         ← property details (state, type, etc.)
│   ├── brokerCriteria   ← broker settings (comp plan, sort, day locks)
│   ├── accessCriteria   ← internal search settings
│   ├── miCriteria       ← mortgage insurance criteria
│   ├── closingCost      ← closing cost breakdown
│   └── feeCriteria      ← fee settings
│
└── resultMap            ← array of result sets
    └── resultRates
        ├── rateSet              ← all rates returned (e.g. [2.25, 2.375, 2.5])
        ├── monthlyPaymentByRate ← monthly payment keyed by rate
        └── data                 ← pricing results grouped by rate
            ├── "2.25"  → [ lineResult, lineResult, ... ]
            ├── "2.375" → [ lineResult, lineResult, ... ]
            └── "2.5"   → [ lineResult, lineResult, ... ]

What is a lineResult?

Each lineResult is a single pricing option — one specific rate + program + investor combination. It contains everything about that option: the rate, points, monthly payment, adjustments, closing costs, program details, and more. This is the object you select and pass to subsequent steps (Set Scenario, Lock With Scenario).

note

There are typically multiple rates, and each rate can have multiple line results (different programs/investors at the same rate). Make sure to iterate through all of data to retrieve every available option.

Location of "lineResult" in the response:

Line Result Location

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.groupAdjustmentProperties`, `lineResult.groupRateAdjustmentProperties`
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 is not 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.groupAdjustmentProperties`
Rate adjustments	`lineResult.groupAdjustmentProperties`
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

Data	Field	Example
ARM initial fixed period (mos)	In general you can find most information under `lineResult.variableLoanDetail` or `lineResult.Arm`.	`lineResult.armCaps`: `"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.qualifyingRatePercent`	`"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.variableLoanDetail.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,`

Fields from Search (useful as part of response)

Data	Field	Example
Loan amount	`baseSearch.criteria.loanAmount`
Down payment	`baseSearch.criteria.downPaymentAmount`
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.lenderCredit`
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

{
  "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"]
}

Response Structure​

Location of "lineResult" in the response:​

Parse Line Result Data​

ARM Fields​

Fields from Search (useful as part of response)​

Example Line Result Data​