[2026-01-23 00:05:38] local.INFO: Incomplete property details, redirecting to edit-property. {"property_id":1204,"user_id":1152} 
[2026-01-23 00:05:38] local.INFO: Mortgage info missing or incomplete, redirecting to mortgage-information. {"property_id":1204,"user_id":1152} 
[2026-01-23 00:06:33] local.INFO: Incomplete property details, redirecting to edit-property. {"property_id":1204,"user_id":1152} 
[2026-01-23 00:06:33] local.INFO: Mortgage info missing or incomplete, redirecting to mortgage-information. {"property_id":1204,"user_id":1152} 
[2026-01-23 03:38:52] local.INFO: Admin login successful: melissa@praxislendingsolutions.com  
[2026-01-23 03:39:16] local.INFO: Handling OTP login request {"email":"guna@birbals.com","partnerTokenId":null} 
[2026-01-23 03:39:16] local.INFO: sendTwoFactorCode: Starting OTP generation and send {"email":"guna@birbals.com","encryptedUserId":"L0RwQ1BLWTBDMTFxb2dVdHlHOEowQT09","trace":[{"file":"/home/infoxlnc2022/public_html/new-instarefi/app/Http/Controllers/Front/LoginController.php","line":145,"function":"sendTwoFactorCode","class":"App\\Http\\Controllers\\Front\\LoginController","type":"->"},{"file":"/home/infoxlnc2022/public_html/new-instarefi/app/Http/Controllers/Front/LoginController.php","line":51,"function":"handleOTPLogin","class":"App\\Http\\Controllers\\Front\\LoginController","type":"->"},{"file":"/home/infoxlnc2022/public_html/new-instarefi/vendor/laravel/framework/src/Illuminate/Routing/Controller.php","line":54,"function":"login_submit","class":"App\\Http\\Controllers\\Front\\LoginController","type":"->"},{"file":"/home/infoxlnc2022/public_html/new-instarefi/vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php","line":43,"function":"callAction","class":"Illuminate\\Routing\\Controller","type":"->"},{"file":"/home/infoxlnc2022/public_html/new-instarefi/vendor/laravel/framework/src/Illuminate/Routing/Route.php","line":259,"function":"dispatch","class":"Illuminate\\Routing\\ControllerDispatcher","type":"->"}]} 
[2026-01-23 03:39:16] local.INFO: sendTwoFactorCode: User found & two-factor code generated {"user_id":1122,"passcode":295499,"two_factor_expires_at":"2026-01-23 03:49:16"} 
[2026-01-23 03:39:16] local.INFO: sendTwoFactorCode: Verification route generated {"verificationRoute":"https://new-instarefi.xlnc.info/verify_otp/L0RwQ1BLWTBDMTFxb2dVdHlHOEowQT09"} 
[2026-01-23 03:39:17] local.INFO: sendTwoFactorCode: Notification sent {"user_id":1122,"notified_email":"guna@birbals.com"} 
[2026-01-23 03:39:17] local.INFO: OTP sent successfully {"email":"guna@birbals.com"} 
[2026-01-23 03:39:32] local.INFO: removeMortgageInsuranceAlerts started {"property_id":1173} 
[2026-01-23 03:39:32] local.INFO: Existing opportunity alerts deleted  
[2026-01-23 03:39:32] local.INFO: Fetched properties {"count":1} 
[2026-01-23 03:39:32] local.INFO: Processing property {"property_id":1173} 
[2026-01-23 03:39:32] local.INFO: Calculated remaining tenure {"TOTAL_TENURE_LEFT":180} 
[2026-01-23 03:39:32] local.INFO: Closest loan terms {"search_loan_term":[180]} 
[2026-01-23 03:39:32] local.INFO: Assigned loan officer {"assigned_to":40} 
[2026-01-23 03:39:32] local.INFO: Preparing request for LenderPrice API {"params":{"creditScore":742.0,"propertyType":"Townhome (PUD)","occupancyType":"Primary","zip":"85083","homeValue":7000000.0,"currentLoanBalance":368294.0,"current_rate":6.875,"terms":[15],"state_code":"AZ","mortgageTypes":"Conventional","numberOfUnit":1,"assigned_loan_officer":40}} 
[2026-01-23 03:39:32] local.INFO: calculateLTV Inputs - Loan Amount: 368294, Appraised Value: 7000000  
[2026-01-23 03:39:32] local.INFO: calculateLTV Inputs after type casting - Loan Amount: 368294, Appraised Value: 7000000  
[2026-01-23 03:39:32] local.INFO:  ---------------- LenderpriceID - Sal.Ali----40  
[2026-01-23 03:39:32] local.DEBUG: Request Array {"companyId":"62c32579ce8ad000010a5f06","date":null,"loanPurposeCriteria":["Refinance"],"criteria":{"purchasePrice":0,"loanAmount":368294.0,"appraisedValue":7000000.0,"subordinateLoanAmount":0,"pmiType":"None","loanPurpose":"Refinance","mortgageTypes":["Conventional"],"propertyUse":"PrimaryResidence","fico":742.0,"monthlyDebt":5333,"monthlyIncome":16667},"accessCriteria":{"companyIds":[],"userContext":{"username":"Sal.Ali"}},"filter":{"programNames":[],"productCode":[],"getRateGridFilterReason":false},"brokerCriteria":{"dayLocks":30,"ausList":["DU","LP"],"closingCostRange":{"closestToPar":false},"minimunCompensation":-1.5,"maxCompensation":0.5},"maxListingPerRate":1,"property":{"address":{"zip":"85083","state":"AZ"},"propertyType":"PlannedUnitDevelopment","numberOfUnit":1},"termsCriteria":[15],"varLoanTypeCriteria":[]} 
[2026-01-23 03:39:32] local.INFO: Fetching LenderPrice token {"force":true} 
[2026-01-23 03:39:33] local.INFO: New LenderPrice token saved  
[2026-01-23 03:39:33] local.ERROR: Token response: {"valid":"2026-01-24T03:39:33.109Z","secret":"k4F7wsQoYsxDbZvALXKAuZmyTRaBSp9tVZTseoFIf1MtFVNEtOeqP9K+veOYpCov"}  
[2026-01-23 03:39:33] local.ERROR: Token response decoded: k4F7wsQoYsxDbZvALXKAuZmyTRaBSp9tVZTseoFIf1MtFVNEtOeqP9K+veOYpCov  
[2026-01-23 03:39:33] local.INFO: LenderPrice Token Retrieved - k4F7wsQoYsxDbZvALXKAuZmyTRaBSp9tVZTseoFIf1MtFVNEtOeqP9K+veOYpCov  
[2026-01-23 03:39:33] local.INFO: Making API request {"url":"https://ppe-rapi.lenderprice.com/rest/pricing/multisearch/667ae5e1ce8ad000011a9ea2"} 
[2026-01-23 03:39:33] local.INFO: Making API request - requestJSON - {"companyId":"62c32579ce8ad000010a5f06","date":null,"loanPurposeCriteria":["Refinance"],"criteria":{"purchasePrice":0,"loanAmount":368294,"appraisedValue":7000000,"subordinateLoanAmount":0,"pmiType":"None","loanPurpose":"Refinance","mortgageTypes":["Conventional"],"propertyUse":"PrimaryResidence","fico":742,"monthlyDebt":5333,"monthlyIncome":16667},"accessCriteria":{"companyIds":[],"userContext":{"username":"Sal.Ali"}},"filter":{"programNames":[],"productCode":[],"getRateGridFilterReason":false},"brokerCriteria":{"dayLocks":30,"ausList":["DU","LP"],"closingCostRange":{"closestToPar":false},"minimunCompensation":-1.5,"maxCompensation":0.5},"maxListingPerRate":1,"property":{"address":{"zip":"85083","state":"AZ"},"propertyType":"PlannedUnitDevelopment","numberOfUnit":1},"termsCriteria":[15],"varLoanTypeCriteria":[]}  
[2026-01-23 03:39:33] local.INFO: Making API request - token - k4F7wsQoYsxDbZvALXKAuZmyTRaBSp9tVZTseoFIf1MtFVNEtOeqP9K+veOYpCov  
[2026-01-23 03:39:35] local.DEBUG: API Response {"response":"{\"dataEventId\":\"6972ed75d783d20001f14989-49194\",\"baseSearch\":{\"allowModifiedDate\":true,\"titleVendorQuestions\":[],\"useExternalFees\":true,\"showTitleQuestion\":true,\"debugLevel\":\"WARNING\",\"pricingOrigin\":\"ApiPricing\",\"lenderAutoPrice\":false,\"loanAmountCriteria\":[368294.0],\"termsCriteria\":[15],\"termsInMonths\":false,\"loanPurposeCriteria\":[\"Refinance\"],\"loanTypeCriteria\":[\"Fixed\"],\"varLoanTypeCriteria\":[],\"titleVendors\":[],\"name\":\"InstaMortgage Inc./667ae5e1ce8ad000011a9ea2\",\"companyId\":\"62c32579ce8ad000010a5f06\",\"criteria\":{\"id\":\"6972ed75d783d20001f14982\",\"purchasePrice\":0.0,\"loanAmount\":368294.0,\"rehabBudget\":0.0,\"totalLoanAmount\":400000.0,\"computeApr\":true,\"totalLoanAmountByMortgageType\":{\"Conventional\":368294.0},\"totalLoanAmountByFHALoanType\":{},\"subordinateLoanAmount\":0.0,\"pmiType\":\"None\",\"monthlyIncome\":16667.0,\"monthlyDebt\":5333.0,\"ami\":109600.0,\"incomeAmiRatio\":1.8248540145985401,\"lmiData\":{\"id\":null,\"lmiSubsidyId\":null,\"lmiTract\":0,\"borLimit\":0.0,\"chaseAA\":false,\"msa\":null,\"lmiType\":null,\"commTract\":null},\"dutyToServe\":false,\"lineAmount\":0.0,\"drawAmount\":0.0,\"constructionDrawAmount\":0.0,\"renovationCost\":0.0,\"cashoutAmount\":0.0,\"appraisedValue\":7000000.0,\"isFirstLienSame\":\"\",\"monthlyReserve\":0.0,\"employeeLoan\":\"\",\"dscr\":0.0,\"caseAssignementDate\":\"2026-01-23T03:39:33.347Z\",\"docType\":\"FullDoc\",\"closedEnd\":false,\"balloon\":false,\"rural\":false,\"firstTimeHomeBuyer\":false,\"selfEmployed\":false,\"nonWarrantableProject\":false,\"renovationLoan\":false,\"communitySecond\":false,\"numberOfCoBorrower\":1,\"numberOfBorrower\":1,\"loanYear\":15,\"loanPurpose\":\"Refinance\",\"fhaEndorsementDate\":\"2026-01-23T03:39:33.347Z\",\"loanType\":\"Fixed\",\"paymentInterestType\":\"FullPITI\",\"helocCriteria\":{\"applyLineAmount\":false},\"mortgageTypes\":[\"Conventional\"],\"mortgageLimitMapByYear\":{\"2026\":{\"mortgageLimitFHA\":\"Conforming\",\"mortgageLimit\":\"Conforming\",\"fhaMortgageLimit\":557750.0}},\"highBalanceCountyMappedByYear\":{\"2026\":false},\"mortgageLimitForLatestYear\":{\"mortgageLimitFHA\":\"Conforming\",\"mortgageLimit\":\"Conforming\",\"fhaMortgageLimit\":557750.0,\"year\":2026,\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0},\"mortgageLimit\":\"Conforming\",\"fhaMortgageLimit\":557750.0,\"propertyUse\":\"PrimaryResidence\",\"ownProperties\":0,\"veteranType\":\"Active_Or_Veteran\",\"vaUsageType\":\"First_Use\",\"ufmipFinanced\":\"YES\",\"propertyValuationType\":\"Full_Appraisal\",\"calculatedfeeAmount\":0.0,\"calculatedFeeByMortgageType\":{},\"calculatedFeeByFHALoanType\":{},\"affinityCode\":\"\",\"affinityCodes\":[],\"specialMortgageOptions\":[],\"inclusive\":false,\"varaiableLoanTypes\":[],\"fico\":742,\"fhaLoanTypes\":[\"STANDARD\"],\"vaLoanTypes\":[\"ALL\"],\"cemaIndicator\":false,\"downPaymentAmount\":0.0,\"compensationType\":\"LenderCompPlan\",\"studentLoanIndicator\":false,\"appraisalConditionAsIs\":true,\"totalLoanAmountByVaType\":{},\"normalHelocBehavior\":true,\"interestOnly\":false,\"payoffStatusIndicatorFirstLien\":false,\"payoffStatusIndicatorSecondLien\":false,\"existingFirstLien\":true,\"subordinate\":false,\"assumption\":false,\"assumptionRate\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"occupancyRate\":0.0,\"firstLienPaymentAmount\":0.0,\"subordinateSubType\":\"NONE\",\"useCustomerTotalLoanAmount\":false,\"helocLtvComputationLogic\":\"LP\",\"rtlproduct\":false,\"reversemortgage\":false,\"ltv\":0.05261,\"cltv\":0.05261,\"dti\":0.31997,\"highBalanceCounty\":false,\"lenderFeeWaiver\":false,\"escrowWaiver\":false,\"hcltvDrawAmount\":0.0,\"hcltvLineAmount\":0.05261,\"valueOfCollateral\":7000000.0,\"ext\":false},\"property\":{\"allowModifiedDate\":true,\"address\":{\"longitude\":null,\"latitude\":null,\"censustract\":\"\",\"street\":\"\",\"streetCont\":\"\",\"city\":\"\",\"zip\":\"85083\",\"zipExt\":\"\",\"state\":\"AZ\",\"province\":\"\",\"county\":\"04013\",\"countyName\":\"MARICOPA\",\"country\":\"US\",\"countyFips\":\"04013\",\"stateFips\":\"\",\"msa\":null,\"defaultZipFipsComboOnMismatch\":false},\"propertyType\":\"PlannedUnitDevelopment\",\"numberOfUnit\":1,\"bedrooms\":0,\"bathrooms\":0.0,\"finishedSqFt\":0.0,\"lotSizeSqFt\":0.0,\"lotSizeAcre\":0.0,\"yearBuilt\":0,\"mls\":\"\",\"totalRooms\":0,\"propertyDescription\":\"\",\"price\":0.0,\"priceDate\":\"\",\"hoa\":0.0,\"taxAssessment\":0.0,\"taxAssessmentYear\":\"\",\"propertyTaxPercent\":0.0,\"propertyTaxYear\":\"\",\"lastSoldPrice\":0.0,\"lastSoldDate\":\"\",\"jsonImages\":[],\"links\":[],\"forSale\":false,\"features\":[],\"constructions\":[],\"facts\":[]},\"brokerCriteria\":{\"allowModifiedDate\":true,\"searchContext\":{},\"minimunCompensation\":-1.5,\"maxCompensation\":0.5,\"scriptWeight\":100,\"overrideExistingComplan\":false,\"lockGroups\":[],\"excludeLockGroups\":[],\"pointsFinancedDollarAmount\":0.0,\"adjCodeToExclude\":[],\"adjNameToExclude\":[],\"adjIdToExclude\":[],\"rateTypes\":[],\"subRateTypes\":[],\"qmTypes\":[],\"view\":\"LenderPaid\",\"businessSourceType\":\"BST_NA\",\"feeServicerList\":[],\"adjustments\":[],\"rangeComplan\":{\"@class\":\"com.cre8techlabs.entity.range.DoubleRangeGeLe\",\"from\":null,\"to\":null},\"sortStrategy\":\"APR\",\"priceBucketList\":[],\"resultPerBucket\":1,\"executionType\":\"BestEfforts\",\"useExecutionType\":false,\"dayLocks\":30,\"dayLocksList\":[7,15,30,45,60,70,75,90,120],\"ausList\":[\"LP\",\"DU\"],\"ausIndicator\":\"\",\"closingCostRange\":{\"@class\":\"com.cre8techlabs.entity.broker.BrokerCriteria$RangeClosingCost\",\"from\":null,\"to\":null,\"closestToPar\":false,\"closestToTargetValue\":null,\"infinite\":true},\"displayConventionalRate\":false},\"accessCriteria\":{\"marketPlaceSearch\":false,\"dataLog\":true,\"userContext\":{\"overrided\":true,\"username\":\"Sal.Ali\",\"groupType\":\"AddToCurrentUser\"},\"companyIds\":[],\"companyMap\":{},\"ratePeriodMap\":{},\"overrideNode\":25,\"fieldsToRemove\":[]},\"miCriteria\":{\"mode\":\"Reducer\",\"miCompanyId\":null,\"miCompanyName\":null,\"amortizationType\":\"FullyAmmortized\",\"loanType\":\"Fixed\",\"duLpDecision\":\"DU_Approve_Eligible\",\"buyDownPercent\":\"None\",\"originationChannel\":\"Retail\",\"loanProgram\":null,\"renewalType\":\"Constant\",\"paymentPlan\":\"EZMonthly\",\"paymentType\":\"Monthly\",\"borrowerFicoScore\":null,\"coBorrowerFicoScore\":null,\"varaiableLoanType\":null,\"monthlyPlanRefundable\":false,\"singlePlanRefundable\":false,\"splitPlanRefundable\":false,\"annualPlanRefundable\":false,\"borrowerNonTraditionalCredit\":false,\"coBorrowerNonTraditionalCredit\":false,\"borrowerSelfEmployed\":false,\"coBorrowerSelfEmployed\":false,\"buydownUpfrontAmount\":null,\"needCoBorrower\":false,\"overrideDTI\":null,\"overrideDSCR\":null,\"initialPremiumAtClosing\":\"Deferred\",\"rateQuoteAllProductIndicator\":false,\"rateQuoteProductComparisonIndicator\":false,\"miPremiumFinancedIndicator\":false,\"premiumRatePlanType\":\"Level\",\"miRateSource\":null,\"miCoverage\":null,\"miCoverages\":[],\"miPremium\":null,\"useDefaultEstimatedMi\":false,\"companyToken\":\"Placeholder\",\"numberOfDeferredPayments\":0},\"dynamicPropertiesMap\":{},\"rateGridIds\":[],\"rateProgramIds\":[],\"ratePeriodIds\":[\"6557cf91ce8ad000012b25b3\"],\"ratePeriodIdOverride\":\"6557cf91ce8ad000012b25b3\",\"investors\":[],\"investorIds\":[],\"test\":false,\"skipAdjustments\":false,\"filter\":{\"programNames\":[],\"productCode\":[],\"getRateGridFilterReason\":false,\"ineligibleProduct\":false,\"priceIneligibleProduct\":false,\"rateFilter\":{\"condition\":null,\"filters\":[]}},\"globalGroupAdjustmentMap\":{},\"disqualifyAsync\":false,\"disqualifyFullResult\":true,\"showDisqualify\":false,\"showDisqualifyRules\":false,\"sortAscPoints\":true,\"showUnmatchCompPlan\":false,\"feeCriteria\":{},\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"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\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"multiSearchClosingCostList\":[],\"showInterpolatedPricing\":false,\"targetInterpolatedPrices\":[],\"onlyShowTargetPrice\":false,\"onlyShowTargetRate\":false,\"showAllDayLocksForInterpolatedRates\":false,\"rates\":[],\"rateRange\":{\"@class\":\"com.cre8techlabs.entity.range.DoubleRangeLeGt\",\"from\":null,\"to\":null,\"null\":true},\"maxListingPerRate\":1,\"computedExpirationDate\":\"2026-02-24T07:59:59.999Z\",\"showPayeeDetail\":false,\"requestId\":\"6972ed75ecd6700001d4f43d\",\"allDayLocks\":false,\"dayLocksCriteria\":[],\"encounteredUserGroups\":{\"633e5f35ce8ad00001b13c9d\":{\"className\":\"com.cre8techlabs.entity.user.group.CompanyUserGroup\",\"userGroupName\":\"Loan Officer - Insta Mortgage\",\"startDate\":\"2026-01-08T17:12:01.459Z\",\"endDate\":null,\"userGroupId\":\"633e5f35ce8ad00001b13c9d\",\"canViewBrokerMargin\":false},\"65ba6da8ce8ad00001e4857e\":{\"className\":\"com.cre8techlabs.entity.user.group.CompanyUserGroup\",\"userGroupName\":\"Flex User 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[2026-01-23 03:39:35] local.INFO: Processing API response  
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
[2026-01-23 03:39:35] local.INFO: Checking rate: 4.99 -> Converted as: 4.99  
[2026-01-23 03:39:35] local.INFO: Matched rate: 4.99  
[2026-01-23 03:39:35] local.INFO: Checking rate: 5 -> Converted as: 5.0  
[2026-01-23 03:39:35] local.INFO: Matched rate: 5.0  
[2026-01-23 03:39:35] local.INFO: Checking rate: 5.125 -> Converted as: 5.125  
[2026-01-23 03:39:35] local.INFO: Matched rate: 5.125  
[2026-01-23 03:39:35] local.INFO: Checking rate: 5.25 -> Converted as: 5.25  
[2026-01-23 03:39:35] local.INFO: Matched rate: 5.25  
[2026-01-23 03:39:35] local.INFO: Checking rate: 5.375 -> Converted as: 5.375  
[2026-01-23 03:39:35] local.INFO: Matched rate: 5.375  
[2026-01-23 03:39:35] local.INFO: Checking rate: 5.49 -> Converted as: 5.49  
[2026-01-23 03:39:35] local.INFO: Matched rate: 5.49  
[2026-01-23 03:39:35] local.INFO: Checking rate: 5.5 -> Converted as: 5.5  
[2026-01-23 03:39:35] local.INFO: Matched rate: 5.5  
[2026-01-23 03:39:35] local.INFO: Checking rate: 5.625 -> Converted as: 5.625  
[2026-01-23 03:39:35] local.INFO: Matched rate: 5.625  
[2026-01-23 03:39:35] local.INFO: Checking rate: 5.75 -> Converted as: 5.75  
[2026-01-23 03:39:35] local.INFO: Matched rate: 5.75  
[2026-01-23 03:39:35] local.INFO: Checking rate: 5.875 -> Converted as: 5.875  
[2026-01-23 03:39:35] local.INFO: Matched rate: 5.875  
[2026-01-23 03:39:35] local.INFO: Checking rate: 6 -> Converted as: 6.0  
[2026-01-23 03:39:35] local.INFO: Matched rate: 6.0  
[2026-01-23 03:39:35] local.INFO: Checking rate: 6.125 -> Converted as: 6.125  
[2026-01-23 03:39:35] local.INFO: Matched rate: 6.125  
[2026-01-23 03:39:35] local.INFO: Checking rate: 6.25 -> Converted as: 6.25  
[2026-01-23 03:39:35] local.INFO: Matched rate: 6.25  
[2026-01-23 03:39:35] local.INFO: Checking rate: 6.375 -> Converted as: 6.375  
[2026-01-23 03:39:35] local.INFO: Matched rate: 6.375  
[2026-01-23 03:39:35] local.INFO: Checking rate: 6.5 -> Converted as: 6.5  
[2026-01-23 03:39:35] local.INFO: Matched rate: 6.5  
[2026-01-23 03:39:35] local.INFO: Checking rate: 6.625 -> Converted as: 6.625  
[2026-01-23 03:39:35] local.INFO: Matched rate: 6.625  
[2026-01-23 03:39:35] local.INFO: Checking rate: 6.75 -> Converted as: 6.75  
[2026-01-23 03:39:35] local.INFO: Matched rate: 6.75  
[2026-01-23 03:39:35] local.INFO: Checking rate: 6.875 -> Converted as: 6.875  
[2026-01-23 03:39:35] local.INFO: Matched rate: 6.875  
[2026-01-23 03:39:35] local.INFO: Checking rate: 7 -> Converted as: 7.0  
[2026-01-23 03:39:35] local.INFO: Matched rate: 7.0  
[2026-01-23 03:39:35] local.INFO: Available keys in data: ["4.99","5.0","5.125","5.25","5.375","5.49","5.5","5.625","5.75","5.875","6.0","6.125","6.25","6.375","6.5","6.625","6.75","6.875","7.0"]  
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[2026-01-23 03:39:35] local.INFO: Checking rate: {"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1381.09999999999990905052982270717620849609375,"adjustedPoints":0.375,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2910.53000000000020008883439004421234130859375,"miPayment":0,"points":0.375,"amount":1381.09999999999990905052982270717620849609375,"totalPrincipal":368294,"totalInterest":155600.67000000001280568540096282958984375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1381.09999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2910.53000000000020008883439004421234130859375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2910.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365396.25,"totalInterest":155588.619999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2910.53000000000020008883439004421234130859375},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2909.8000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2897.75,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2909.8000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $368,294.00 (Loan Amount)","points":0.375,"amount":1381.09999999999990905052982270717620849609375,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-01-23 03:39:35] local.INFO: Checking rate: {"product":"15 YR FIXED","term":180,"rate":5,"closingCosts":920.740000000000009094947017729282379150390625,"adjustedPoints":0.25,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2912.4499999999998181010596454143524169921875,"miPayment":0,"points":0.25,"amount":920.740000000000009094947017729282379150390625,"totalPrincipal":368294,"totalInterest":155945.77999999999883584678173065185546875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":5,"fico":742,"apr":5.038000000000000255795384873636066913604736328125,"finalClosingCost":920.740000000000009094947017729282379150390625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2912.4499999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5,"monthlyPI":-2912.4499999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365394.849999999976716935634613037109375,"totalInterest":155933.7000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2912.4499999999998181010596454143524169921875},{"start":180,"end":180,"rate":5,"monthlyPI":-2911.23000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2899.15000000000009094947017729282379150390625,"totalInterest":12.0800000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2911.23000000000001818989403545856475830078125}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $368,294.00 (Loan Amount)","points":0.25,"amount":920.740000000000009094947017729282379150390625,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-01-23 03:39:35] local.INFO: Checking rate: {"product":"15 YR FIXED","term":180,"rate":5.125,"closingCosts":-460.3700000000000045474735088646411895751953125,"adjustedPoints":-0.125,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2936.48000000000001818989403545856475830078125,"miPayment":0,"points":-0.125,"amount":-460.3700000000000045474735088646411895751953125,"totalPrincipal":368294,"totalInterest":160273.26999999998952262103557586669921875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-460.3700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2936.48000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.125,"monthlyPI":-2936.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365369.140000000013969838619232177734375,"totalInterest":160260.77999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2936.48000000000001818989403545856475830078125},{"start":180,"end":180,"rate":5.125,"monthlyPI":-2937.34999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2924.86000000000012732925824820995330810546875,"totalInterest":12.4900000000000002131628207280300557613372802734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2937.34999999999990905052982270717620849609375}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $368,294.00 (Loan Amount)","points":-0.125,"amount":-460.3700000000000045474735088646411895751953125,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-01-23 03:39:35] local.INFO: Checking rate: {"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1381.09999999999990905052982270717620849609375,"adjustedPoints":-0.375,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2960.6300000000001091393642127513885498046875,"miPayment":0,"points":-0.375,"amount":-1381.09999999999990905052982270717620849609375,"totalPrincipal":368294,"totalInterest":164620.369999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1381.09999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2960.6300000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2960.6300000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365345.2999999999883584678173065185546875,"totalInterest":164607.47000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2960.6300000000001091393642127513885498046875},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2961.59999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2948.6999999999998181010596454143524169921875,"totalInterest":12.9000000000000003552713678800500929355621337890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2961.59999999999990905052982270717620849609375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $368,294.00 (Loan Amount)","points":-0.375,"amount":-1381.09999999999990905052982270717620849609375,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-01-23 03:39:35] local.INFO: Selected rate for term 180: {"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1381.09999999999990905052982270717620849609375,"adjustedPoints":-0.375,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2960.6300000000001091393642127513885498046875,"miPayment":0,"points":-0.375,"amount":-1381.09999999999990905052982270717620849609375,"totalPrincipal":368294,"totalInterest":164620.369999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1381.09999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2960.6300000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2960.6300000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365345.2999999999883584678173065185546875,"totalInterest":164607.47000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2960.6300000000001091393642127513885498046875},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2961.59999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2948.6999999999998181010596454143524169921875,"totalInterest":12.9000000000000003552713678800500929355621337890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2961.59999999999990905052982270717620849609375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $368,294.00 (Loan Amount)","points":-0.375,"amount":-1381.09999999999990905052982270717620849609375,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-01-23 03:39:35] local.INFO: Final selected rates for term 180: [{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1381.09999999999990905052982270717620849609375,"adjustedPoints":0.375,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2910.53000000000020008883439004421234130859375,"miPayment":0,"points":0.375,"amount":1381.09999999999990905052982270717620849609375,"totalPrincipal":368294,"totalInterest":155600.67000000001280568540096282958984375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1381.09999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2910.53000000000020008883439004421234130859375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2910.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365396.25,"totalInterest":155588.619999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2910.53000000000020008883439004421234130859375},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2909.8000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2897.75,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2909.8000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $368,294.00 (Loan Amount)","points":0.375,"amount":1381.09999999999990905052982270717620849609375,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1381.09999999999990905052982270717620849609375,"adjustedPoints":-0.375,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2960.6300000000001091393642127513885498046875,"miPayment":0,"points":-0.375,"amount":-1381.09999999999990905052982270717620849609375,"totalPrincipal":368294,"totalInterest":164620.369999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1381.09999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2960.6300000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2960.6300000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365345.2999999999883584678173065185546875,"totalInterest":164607.47000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2960.6300000000001091393642127513885498046875},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2961.59999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2948.6999999999998181010596454143524169921875,"totalInterest":12.9000000000000003552713678800500929355621337890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2961.59999999999990905052982270717620849609375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $368,294.00 (Loan Amount)","points":-0.375,"amount":-1381.09999999999990905052982270717620849609375,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]  
[2026-01-23 03:39:35] local.INFO: ----------------Filtered data--------------{"filteredData":[{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1381.09999999999990905052982270717620849609375,"adjustedPoints":0.375,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2910.53000000000020008883439004421234130859375,"miPayment":0,"points":0.375,"amount":1381.09999999999990905052982270717620849609375,"totalPrincipal":368294,"totalInterest":155600.67000000001280568540096282958984375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1381.09999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2910.53000000000020008883439004421234130859375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2910.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365396.25,"totalInterest":155588.619999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2910.53000000000020008883439004421234130859375},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2909.8000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2897.75,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2909.8000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $368,294.00 (Loan Amount)","points":0.375,"amount":1381.09999999999990905052982270717620849609375,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1381.09999999999990905052982270717620849609375,"adjustedPoints":-0.375,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2960.6300000000001091393642127513885498046875,"miPayment":0,"points":-0.375,"amount":-1381.09999999999990905052982270717620849609375,"totalPrincipal":368294,"totalInterest":164620.369999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1381.09999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2960.6300000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2960.6300000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365345.2999999999883584678173065185546875,"totalInterest":164607.47000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2960.6300000000001091393642127513885498046875},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2961.59999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2948.6999999999998181010596454143524169921875,"totalInterest":12.9000000000000003552713678800500929355621337890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2961.59999999999990905052982270717620849609375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $368,294.00 (Loan Amount)","points":-0.375,"amount":-1381.09999999999990905052982270717620849609375,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]}  
[2026-01-23 03:39:35] local.INFO: ----------------result data--------------{"result":[{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1381.09999999999990905052982270717620849609375,"adjustedPoints":0.375,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2910.53000000000020008883439004421234130859375,"miPayment":0,"points":0.375,"amount":1381.09999999999990905052982270717620849609375,"totalPrincipal":368294,"totalInterest":155600.67000000001280568540096282958984375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1381.09999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2910.53000000000020008883439004421234130859375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2910.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365396.25,"totalInterest":155588.619999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2910.53000000000020008883439004421234130859375},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2909.8000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2897.75,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2909.8000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $368,294.00 (Loan Amount)","points":0.375,"amount":1381.09999999999990905052982270717620849609375,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1381.09999999999990905052982270717620849609375,"adjustedPoints":-0.375,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2960.6300000000001091393642127513885498046875,"miPayment":0,"points":-0.375,"amount":-1381.09999999999990905052982270717620849609375,"totalPrincipal":368294,"totalInterest":164620.369999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1381.09999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2960.6300000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2960.6300000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365345.2999999999883584678173065185546875,"totalInterest":164607.47000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2960.6300000000001091393642127513885498046875},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2961.59999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2948.6999999999998181010596454143524169921875,"totalInterest":12.9000000000000003552713678800500929355621337890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2961.59999999999990905052982270717620849609375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $368,294.00 (Loan Amount)","points":-0.375,"amount":-1381.09999999999990905052982270717620849609375,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]}  
[2026-01-23 03:39:35] local.INFO: Fetched lender price offers {"count":2} 
[2026-01-23 03:39:35] local.INFO: Processing new offer {"rate":4.9900000000000002131628207280300557613372802734375} 
[2026-01-23 03:39:35] local.INFO: Offer qualifies for alert {"current_rate":6.875,"new_rate":4.9900000000000002131628207280300557613372802734375} 
[2026-01-23 03:39:35] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 368294  
[2026-01-23 03:39:35] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 368294, onePercent - 3682.94  
[2026-01-23 03:39:35] local.INFO: Creating opportunity alert {"property_id":1173} 
[2026-01-23 03:39:35] local.INFO: Processing new offer {"rate":5.25} 
[2026-01-23 03:39:35] local.INFO: Offer qualifies for alert {"current_rate":6.875,"new_rate":5.25} 
[2026-01-23 03:39:35] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 368294  
[2026-01-23 03:39:35] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 368294, onePercent - 3682.94  
[2026-01-23 03:39:35] local.INFO: Creating opportunity alert {"property_id":1173} 
[2026-01-23 03:39:35] local.INFO: Processed borrower notification {"property_id":1173} 
[2026-01-23 03:39:35] local.INFO: removeMortgageInsuranceAlerts completed  
[2026-01-23 03:39:35] local.INFO: Starting takeCashOutAlerts function {"property_id":1173} 
[2026-01-23 03:39:35] local.INFO: Deleted previous take_cash_out alerts  
[2026-01-23 03:39:35] local.INFO: Executing SQL for primary residence {"query":"

            SELECT 

                P.id AS property_id, 

                P.user_id, 

                P.address, 

                P.city, 

                P.zipcode, 

                P.current_estimated_home_value, 

                P.occupancy, 

                P.property_type, 

                M.id AS mortgage_id, 

                M.mortgage_start_date, 

                M.loan_term, 

                M.original_loan_balance, 

                M.current_interest_rate, 

                M.current_loan_balance,

                (P.current_estimated_home_value * (80 / 100)) AS xx,  

                ((P.current_estimated_home_value * (80 / 100)) - M.current_loan_balance) AS potential_cash_out_value, 

                P.assigned_to

            FROM 

                `mortgage_information` AS M

            LEFT JOIN 

                `properties` AS P

            ON 

                M.property_id = P.id

            WHERE 

                P.current_estimated_home_value > 0 

                AND M.current_loan_balance > 0 

                AND M.current_loan_balance < (P.current_estimated_home_value * (80 / 100))

                AND P.occupancy LIKE '%Primary%'

                AND (

                    SELECT COUNT(*) 

                    FROM `opportunity_alerts`

                    WHERE 

                        property_id = P.id 

                        AND mortgage_id = M.id 

                        AND current_estimated_home_value = P.current_estimated_home_value

                        AND current_loan_balance = M.current_loan_balance 

                        AND occupancy LIKE '%Primary%' 

                        AND alert_type = 'take_cash_out'

                ) = 0

                AND P.deleted_at IS NULL

                AND (

                    SELECT COUNT(*) 

                    FROM `mortgage_information` AS subM 

                    WHERE subM.property_id = P.id

                ) = 1



         AND P.id = '1173' "} 
[2026-01-23 03:39:35] local.INFO: Fetched primary residence records {"count":1} 
[2026-01-23 03:39:35] local.INFO: Processing primary residence property {"property_id":1173} 
[2026-01-23 03:39:35] local.INFO: Rounded potential cash out value {"property_id":1173,"original_value":500000,"rounded_value":500000.0} 
[2026-01-23 03:39:35] local.INFO: Calculated financial data {"potential_cash_out_value":500000.0,"remaining_term":180,"current_monthly_payment":3285.0,"interest_remaining":223006.0} 
[2026-01-23 03:39:35] local.INFO: Created opportunity alert {"property_id":1173} 
[2026-01-23 03:39:35] local.INFO: Executing SQL for secondary residence {"query":"

            SELECT 

            P.id AS property_id, 

            P.user_id, 

            P.address, 

            P.city, 

            P.zipcode, 

            P.current_estimated_home_value, 

            P.occupancy, 

            P.property_type, 

            M.id AS mortgage_id, 

            M.mortgage_start_date, 

            M.loan_term, 

            M.original_loan_balance, 

            M.current_interest_rate, 

            M.current_loan_balance,

            (P.current_estimated_home_value * (60 / 100)) AS xx,  

            ((P.current_estimated_home_value * (75 / 100)) - M.current_loan_balance) AS potential_cash_out_value, 

            P.assigned_to

        FROM 

            `mortgage_information` AS M

        LEFT JOIN 

            `properties` AS P

        ON 

            M.property_id = P.id

        WHERE 

            P.current_estimated_home_value > 0 

            AND M.current_loan_balance > 0 

            AND M.current_loan_balance < (P.current_estimated_home_value * (60 / 100))

            AND P.occupancy IN ('Investment Property, Land') 

            AND P.property_type IN ('Single Family Residence', 'Condominium')

            AND (

                SELECT COUNT(*) 

                FROM `opportunity_alerts`

                WHERE 

                    property_id = P.id 

                    AND mortgage_id = M.id 

                    AND current_estimated_home_value = P.current_estimated_home_value

                    AND current_loan_balance = M.current_loan_balance 

                    AND occupancy = P.occupancy 

                    AND P.property_type = P.property_type  

                    AND alert_type = 'take_cash_out'

            ) = 0

            AND P.deleted_at IS NULL

            AND (

                SELECT COUNT(*) 

                FROM `mortgage_information` AS subM 

                WHERE subM.property_id = P.id

            ) = 1



         AND P.id = '1173' "} 
[2026-01-23 03:39:35] local.INFO: Fetched secondary residence records {"count":0} 
[2026-01-23 03:39:35] local.INFO: Completed takeCashOutAlerts function  
[2026-01-23 03:39:35] local.INFO: LRST (Lower your payment) - Starting lowerRateSameTermAlerts process {"propertyId":1173,"userId":1122} 
[2026-01-23 03:39:35] local.INFO: Fetching user IDs  {"userId":1122} 
[2026-01-23 03:39:35] local.INFO: Retrieved user IDs {"userIds":[1122]} 
[2026-01-23 03:39:35] local.INFO: Fetching mortgages for users {"userIds":[1122],"propertyId":1173} 
[2026-01-23 03:39:35] local.INFO: Filtered mortgages retrieved {"totalGroups":1} 
[2026-01-23 03:39:35] local.INFO: LRST (Lower your payment) - Fetched mortgages {"count":1} 
[2026-01-23 03:39:35] local.INFO: LRST (Lower your payment) - Processing Mortgage {"mortgage_id":791,"subordinate_loan_amount":0} 
[2026-01-23 03:39:35] local.INFO: LRST (Lower your payment) - Calculated remaining term {"remaining_term":180} 
[2026-01-23 03:39:35] local.INFO: LRST (Lower your payment) - apiPayload {"payload":{"creditScore":742.0,"propertyType":"Townhome (PUD)","occupancyType":"Primary","zip":"85083","homeValue":7000000.0,"currentLoanBalance":368294.0,"current_rate":6.875,"terms":[15],"state_code":"AZ","mortgageTypes":"FHA","numberOfUnit":null,"assigned_loan_officer":40,"subordinateLoanAmount":0}} 
[2026-01-23 03:39:35] local.INFO: LRST (Lower your payment) - Calling Lender Price API {"payload":{"creditScore":742.0,"propertyType":"Townhome (PUD)","occupancyType":"Primary","zip":"85083","homeValue":7000000.0,"currentLoanBalance":368294.0,"current_rate":6.875,"terms":[15],"state_code":"AZ","mortgageTypes":"FHA","numberOfUnit":null,"assigned_loan_officer":40,"subordinateLoanAmount":0}} 
[2026-01-23 03:39:35] local.INFO: Preparing request for LenderPrice API {"params":{"creditScore":742.0,"propertyType":"Townhome (PUD)","occupancyType":"Primary","zip":"85083","homeValue":7000000.0,"currentLoanBalance":368294.0,"current_rate":6.875,"terms":[15],"state_code":"AZ","mortgageTypes":"FHA","numberOfUnit":null,"assigned_loan_officer":40,"subordinateLoanAmount":0}} 
[2026-01-23 03:39:35] local.INFO: calculateLTV Inputs - Loan Amount: 368294, Appraised Value: 7000000  
[2026-01-23 03:39:35] local.INFO: calculateLTV Inputs after type casting - Loan Amount: 368294, Appraised Value: 7000000  
[2026-01-23 03:39:35] local.INFO:  ---------------- LenderpriceID - Sal.Ali----40  
[2026-01-23 03:39:35] local.DEBUG: Request Array {"companyId":"62c32579ce8ad000010a5f06","date":null,"loanPurposeCriteria":["Refinance"],"criteria":{"purchasePrice":0,"loanAmount":368294.0,"appraisedValue":7000000.0,"subordinateLoanAmount":0,"pmiType":"None","loanPurpose":"Refinance","mortgageTypes":["Conventional"],"propertyUse":"PrimaryResidence","fico":742.0,"monthlyDebt":5333,"monthlyIncome":16667},"accessCriteria":{"companyIds":[],"userContext":{"username":"Sal.Ali"}},"filter":{"programNames":[],"productCode":[],"getRateGridFilterReason":false},"brokerCriteria":{"dayLocks":30,"ausList":["DU","LP"],"closingCostRange":{"closestToPar":false},"minimunCompensation":-1.5,"maxCompensation":0.5},"maxListingPerRate":1,"property":{"address":{"zip":"85083","state":"AZ"},"propertyType":"PlannedUnitDevelopment","numberOfUnit":1},"termsCriteria":[15],"varLoanTypeCriteria":[]} 
[2026-01-23 03:39:35] local.INFO: Fetching LenderPrice token {"force":true} 
[2026-01-23 03:39:35] local.INFO: New LenderPrice token saved  
[2026-01-23 03:39:35] local.ERROR: Token response: {"valid":"2026-01-24T03:39:35.608Z","secret":"k4F7wsQoYsxDbZvALXKAuZmyTRaBSp9tVZTseoFIf1NoLbRwNh5FBDz7Ir8rWtqE"}  
[2026-01-23 03:39:35] local.ERROR: Token response decoded: k4F7wsQoYsxDbZvALXKAuZmyTRaBSp9tVZTseoFIf1NoLbRwNh5FBDz7Ir8rWtqE  
[2026-01-23 03:39:35] local.INFO: LenderPrice Token Retrieved - k4F7wsQoYsxDbZvALXKAuZmyTRaBSp9tVZTseoFIf1NoLbRwNh5FBDz7Ir8rWtqE  
[2026-01-23 03:39:35] local.INFO: Making API request {"url":"https://ppe-rapi.lenderprice.com/rest/pricing/multisearch/667ae5e1ce8ad000011a9ea2"} 
[2026-01-23 03:39:35] local.INFO: Making API request - requestJSON - {"companyId":"62c32579ce8ad000010a5f06","date":null,"loanPurposeCriteria":["Refinance"],"criteria":{"purchasePrice":0,"loanAmount":368294,"appraisedValue":7000000,"subordinateLoanAmount":0,"pmiType":"None","loanPurpose":"Refinance","mortgageTypes":["Conventional"],"propertyUse":"PrimaryResidence","fico":742,"monthlyDebt":5333,"monthlyIncome":16667},"accessCriteria":{"companyIds":[],"userContext":{"username":"Sal.Ali"}},"filter":{"programNames":[],"productCode":[],"getRateGridFilterReason":false},"brokerCriteria":{"dayLocks":30,"ausList":["DU","LP"],"closingCostRange":{"closestToPar":false},"minimunCompensation":-1.5,"maxCompensation":0.5},"maxListingPerRate":1,"property":{"address":{"zip":"85083","state":"AZ"},"propertyType":"PlannedUnitDevelopment","numberOfUnit":1},"termsCriteria":[15],"varLoanTypeCriteria":[]}  
[2026-01-23 03:39:35] local.INFO: Making API request - token - k4F7wsQoYsxDbZvALXKAuZmyTRaBSp9tVZTseoFIf1NoLbRwNh5FBDz7Ir8rWtqE  
[2026-01-23 03:39:37] local.DEBUG: API Response {"response":"{\"dataEventId\":\"6972ed7784ce78000109513e-33187\",\"baseSearch\":{\"allowModifiedDate\":true,\"titleVendorQuestions\":[],\"useExternalFees\":true,\"showTitleQuestion\":true,\"debugLevel\":\"WARNING\",\"pricingOrigin\":\"ApiPricing\",\"lenderAutoPrice\":false,\"loanAmountCriteria\":[368294.0],\"termsCriteria\":[15],\"termsInMonths\":false,\"loanPurposeCriteria\":[\"Refinance\"],\"loanTypeCriteria\":[\"Fixed\"],\"varLoanTypeCriteria\":[],\"titleVendors\":[],\"name\":\"InstaMortgage Inc./667ae5e1ce8ad000011a9ea2\",\"companyId\":\"62c32579ce8ad000010a5f06\",\"criteria\":{\"id\":\"6972ed7784ce780001095137\",\"purchasePrice\":0.0,\"loanAmount\":368294.0,\"rehabBudget\":0.0,\"totalLoanAmount\":400000.0,\"computeApr\":true,\"totalLoanAmountByMortgageType\":{\"Conventional\":368294.0},\"totalLoanAmountByFHALoanType\":{},\"subordinateLoanAmount\":0.0,\"pmiType\":\"None\",\"monthlyIncome\":16667.0,\"monthlyDebt\":5333.0,\"ami\":109600.0,\"incomeAmiRatio\":1.8248540145985401,\"lmiData\":{\"id\":null,\"lmiSubsidyId\":null,\"lmiTract\":0,\"borLimit\":0.0,\"chaseAA\":false,\"msa\":null,\"lmiType\":null,\"commTract\":null},\"dutyToServe\":false,\"lineAmount\":0.0,\"drawAmount\":0.0,\"constructionDrawAmount\":0.0,\"renovationCost\":0.0,\"cashoutAmount\":0.0,\"appraisedValue\":7000000.0,\"isFirstLienSame\":\"\",\"monthlyReserve\":0.0,\"employeeLoan\":\"\",\"dscr\":0.0,\"caseAssignementDate\":\"2026-01-23T03:39:35.825Z\",\"docType\":\"FullDoc\",\"closedEnd\":false,\"balloon\":false,\"rural\":false,\"firstTimeHomeBuyer\":false,\"selfEmployed\":false,\"nonWarrantableProject\":false,\"renovationLoan\":false,\"communitySecond\":false,\"numberOfCoBorrower\":1,\"numberOfBorrower\":1,\"loanYear\":15,\"loanPurpose\":\"Refinance\",\"fhaEndorsementDate\":\"2026-01-23T03:39:35.825Z\",\"loanType\":\"Fixed\",\"paymentInterestType\":\"FullPITI\",\"helocCriteria\":{\"applyLineAmount\":false},\"mortgageTypes\":[\"Conventional\"],\"mortgageLimitMapByYear\":{\"2026\":{\"mortgageLimitFHA\":\"Conforming\",\"mortgageLimit\":\"Conforming\",\"fhaMortgageLimit\":557750.0}},\"highBalanceCountyMappedByYear\":{\"2026\":false},\"mortgageLimitForLatestYear\":{\"mortgageLimitFHA\":\"Conforming\",\"mortgageLimit\":\"Conforming\",\"fhaMortgageLimit\":557750.0,\"year\":2026,\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0},\"mortgageLimit\":\"Conforming\",\"fhaMortgageLimit\":557750.0,\"propertyUse\":\"PrimaryResidence\",\"ownProperties\":0,\"veteranType\":\"Active_Or_Veteran\",\"vaUsageType\":\"First_Use\",\"ufmipFinanced\":\"YES\",\"propertyValuationType\":\"Full_Appraisal\",\"calculatedfeeAmount\":0.0,\"calculatedFeeByMortgageType\":{},\"calculatedFeeByFHALoanType\":{},\"affinityCode\":\"\",\"affinityCodes\":[],\"specialMortgageOptions\":[],\"inclusive\":false,\"varaiableLoanTypes\":[],\"fico\":742,\"fhaLoanTypes\":[\"STANDARD\"],\"vaLoanTypes\":[\"ALL\"],\"cemaIndicator\":false,\"downPaymentAmount\":0.0,\"compensationType\":\"LenderCompPlan\",\"studentLoanIndicator\":false,\"appraisalConditionAsIs\":true,\"totalLoanAmountByVaType\":{},\"normalHelocBehavior\":true,\"interestOnly\":false,\"payoffStatusIndicatorFirstLien\":false,\"payoffStatusIndicatorSecondLien\":false,\"existingFirstLien\":true,\"subordinate\":false,\"assumption\":false,\"assumptionRate\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"occupancyRate\":0.0,\"firstLienPaymentAmount\":0.0,\"subordinateSubType\":\"NONE\",\"useCustomerTotalLoanAmount\":false,\"helocLtvComputationLogic\":\"LP\",\"rtlproduct\":false,\"reversemortgage\":false,\"dti\":0.31997,\"ltv\":0.05261,\"cltv\":0.05261,\"highBalanceCounty\":false,\"lenderFeeWaiver\":false,\"escrowWaiver\":false,\"hcltvDrawAmount\":0.0,\"hcltvLineAmount\":0.05261,\"valueOfCollateral\":7000000.0,\"ext\":false},\"property\":{\"allowModifiedDate\":true,\"address\":{\"longitude\":null,\"latitude\":null,\"censustract\":\"\",\"street\":\"\",\"streetCont\":\"\",\"city\":\"\",\"zip\":\"85083\",\"zipExt\":\"\",\"state\":\"AZ\",\"province\":\"\",\"county\":\"04013\",\"countyName\":\"MARICOPA\",\"country\":\"US\",\"countyFips\":\"04013\",\"stateFips\":\"\",\"msa\":null,\"defaultZipFipsComboOnMismatch\":false},\"propertyType\":\"PlannedUnitDevelopment\",\"numberOfUnit\":1,\"bedrooms\":0,\"bathrooms\":0.0,\"finishedSqFt\":0.0,\"lotSizeSqFt\":0.0,\"lotSizeAcre\":0.0,\"yearBuilt\":0,\"mls\":\"\",\"totalRooms\":0,\"propertyDescription\":\"\",\"price\":0.0,\"priceDate\":\"\",\"hoa\":0.0,\"taxAssessment\":0.0,\"taxAssessmentYear\":\"\",\"propertyTaxPercent\":0.0,\"propertyTaxYear\":\"\",\"lastSoldPrice\":0.0,\"lastSoldDate\":\"\",\"jsonImages\":[],\"links\":[],\"forSale\":false,\"features\":[],\"constructions\":[],\"facts\":[]},\"brokerCriteria\":{\"allowModifiedDate\":true,\"searchContext\":{},\"minimunCompensation\":-1.5,\"maxCompensation\":0.5,\"scriptWeight\":100,\"overrideExistingComplan\":false,\"lockGroups\":[],\"excludeLockGroups\":[],\"pointsFinancedDollarAmount\":0.0,\"adjCodeToExclude\":[],\"adjNameToExclude\":[],\"adjIdToExclude\":[],\"rateTypes\":[],\"subRateTypes\":[],\"qmTypes\":[],\"view\":\"LenderPaid\",\"businessSourceType\":\"BST_NA\",\"feeServicerList\":[],\"adjustments\":[],\"rangeComplan\":{\"@class\":\"com.cre8techlabs.entity.range.DoubleRangeGeLe\",\"from\":null,\"to\":null},\"sortStrategy\":\"APR\",\"priceBucketList\":[],\"resultPerBucket\":1,\"executionType\":\"BestEfforts\",\"useExecutionType\":false,\"dayLocks\":30,\"dayLocksList\":[7,15,30,45,60,70,75,90,120],\"ausList\":[\"LP\",\"DU\"],\"ausIndicator\":\"\",\"closingCostRange\":{\"@class\":\"com.cre8techlabs.entity.broker.BrokerCriteria$RangeClosingCost\",\"from\":null,\"to\":null,\"closestToPar\":false,\"closestToTargetValue\":null,\"infinite\":true},\"displayConventionalRate\":false},\"accessCriteria\":{\"marketPlaceSearch\":false,\"dataLog\":true,\"userContext\":{\"overrided\":true,\"username\":\"Sal.Ali\",\"groupType\":\"AddToCurrentUser\"},\"companyIds\":[],\"companyMap\":{},\"ratePeriodMap\":{},\"overrideNode\":25,\"fieldsToRemove\":[]},\"miCriteria\":{\"mode\":\"Reducer\",\"miCompanyId\":null,\"miCompanyName\":null,\"amortizationType\":\"FullyAmmortized\",\"loanType\":\"Fixed\",\"duLpDecision\":\"DU_Approve_Eligible\",\"buyDownPercent\":\"None\",\"originationChannel\":\"Retail\",\"loanProgram\":null,\"renewalType\":\"Constant\",\"paymentPlan\":\"EZMonthly\",\"paymentType\":\"Monthly\",\"borrowerFicoScore\":null,\"coBorrowerFicoScore\":null,\"varaiableLoanType\":null,\"monthlyPlanRefundable\":false,\"singlePlanRefundable\":false,\"splitPlanRefundable\":false,\"annualPlanRefundable\":false,\"borrowerNonTraditionalCredit\":false,\"coBorrowerNonTraditionalCredit\":false,\"borrowerSelfEmployed\":false,\"coBorrowerSelfEmployed\":false,\"buydownUpfrontAmount\":null,\"needCoBorrower\":false,\"overrideDTI\":null,\"overrideDSCR\":null,\"initialPremiumAtClosing\":\"Deferred\",\"rateQuoteAllProductIndicator\":false,\"rateQuoteProductComparisonIndicator\":false,\"miPremiumFinancedIndicator\":false,\"premiumRatePlanType\":\"Level\",\"miRateSource\":null,\"miCoverage\":null,\"miCoverages\":[],\"miPremium\":null,\"useDefaultEstimatedMi\":false,\"companyToken\":\"Placeholder\",\"numberOfDeferredPayments\":0},\"dynamicPropertiesMap\":{},\"rateGridIds\":[],\"rateProgramIds\":[],\"ratePeriodIds\":[\"6557cf91ce8ad000012b25b3\"],\"ratePeriodIdOverride\":\"6557cf91ce8ad000012b25b3\",\"investors\":[],\"investorIds\":[],\"test\":false,\"skipAdjustments\":false,\"filter\":{\"programNames\":[],\"productCode\":[],\"getRateGridFilterReason\":false,\"ineligibleProduct\":false,\"priceIneligibleProduct\":false,\"rateFilter\":{\"condition\":null,\"filters\":[]}},\"globalGroupAdjustmentMap\":{},\"disqualifyAsync\":false,\"disqualifyFullResult\":true,\"showDisqualify\":false,\"showDisqualifyRules\":false,\"sortAscPoints\":true,\"showUnmatchCompPlan\":false,\"feeCriteria\":{},\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"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\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"multiSearchClosingCostList\":[],\"showInterpolatedPricing\":false,\"targetInterpolatedPrices\":[],\"onlyShowTargetPrice\":false,\"onlyShowTargetRate\":false,\"showAllDayLocksForInterpolatedRates\":false,\"rates\":[],\"rateRange\":{\"@class\":\"com.cre8techlabs.entity.range.DoubleRangeLeGt\",\"from\":null,\"to\":null,\"null\":true},\"maxListingPerRate\":1,\"computedExpirationDate\":\"2026-02-24T07:59:59.999Z\",\"showPayeeDetail\":false,\"requestId\":\"6972ed77eb108000014274aa\",\"allDayLocks\":false,\"dayLocksCriteria\":[],\"encounteredUserGroups\":{\"633e5f35ce8ad00001b13c9d\":{\"className\":\"com.cre8techlabs.entity.user.group.CompanyUserGroup\",\"userGroupName\":\"Loan Officer - Insta Mortgage\",\"startDate\":\"2026-01-08T17:12:01.459Z\",\"endDate\":null,\"userGroupId\":\"633e5f35ce8ad00001b13c9d\",\"canViewBrokerMargin\":false},\"65ba6da8ce8ad00001e4857e\":{\"className\":\"com.cre8techlabs.entity.user.group.CompanyUserGroup\",\"userGroupName\":\"Flex User Group\",\"startDate\":\"2024-07-11T16:29:13.547Z\",\"endDate\":null,\"userGroupId\":\"65ba6da8ce8ad00001e4857e\",\"canViewBrokerMargin\":false}},\"useApplicationDateAsPricingDate\":false,\"listAllRateProducts\":false,\"fields\":[],\"externalCompensation\":{\"compPlanDollarRange\":{\"from\":null,\"to\":null},\"overrideComplan\":0.0,\"overrideComplanFlatFee\":0.0},\"useExternalCompensation\":false,\"byPassCap\":false,\"useCurrentBasePricing\":false,\"loanPurpose\":{\"values\":[\"Refinance\"],\"type\":\"com.cre8techlabs.entity.rate.LoanPurpose\"},\"loanType\":{\"values\":[\"Fixed\"],\"type\":\"com.cre8techlabs.entity.rate.LoanType\"},\"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\",\"_6m_6\",\"_1m_1m\",\"_15_1\",\"_3_3\",\"_6_1\"],\"type\":\"com.cre8techlabs.entity.rate.VaraiableLoanType\"},\"mortgageTypes\":{\"values\":[\"Conventional\"],\"type\":\"com.cre8techlabs.entity.rate.MortgageType\"},\"fhaLoanTypes\":{\"values\":[\"STANDARD\"],\"type\":\"com.cre8techlabs.entity.rate.FHALoanType\"},\"multi\":true,\"fhaloanTypeCriteria\":[\"STANDARD\"]},\"disqualifyCount\":0,\"resultMap\":[{\"resultRates\":{\"allowModifiedDate\":true,\"dayLock\":30,\"disqualifyCount\":0,\"dayLocksList\":[],\"rateSet\":[4.99,5.0,5.125,5.25,5.375,5.49,5.5,5.625,5.75,5.875,6.0,6.125,6.25,6.375,6.5,6.625,6.75,6.875,7.0],\"monthlyPaymentMapByRate\":{\"4.99\":2910.53,\"5.0\":2912.45,\"5.125\":2936.48,\"5.25\":2960.63,\"5.375\":2984.9,\"5.49\":3007.32,\"5.5\":3009.27,\"5.625\":3033.75,\"5.75\":3058.35,\"5.875\":3083.06,\"6.0\":3107.87,\"6.125\":3132.8,\"6.25\":3157.84,\"6.375\":3182.98,\"6.5\":3208.24,\"6.625\":3233.6,\"6.75\":3259.07,\"6.875\":3284.65,\"7.0\":3310.33},\"data\":{\"4.99\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":4.99,\"dti\":0.4946,\"hti\":0.17463,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":368294.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":4.99,\"baseRates\":4.99,\"adjustedRates\":4.99,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":4.99,\"monthlyPI\":-2910.53,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-365396.25,\"totalInterest\":155588.62,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2910.53},{\"start\":180,\"end\":180,\"rate\":4.99,\"monthlyPI\":-2909.8,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2897.75,\"totalInterest\":12.05,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2909.8}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2910.53,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":368294.0,\"totalInterest\":155600.67,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2910.53},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05261,\"cltv\":0.05261,\"hcltvLineAmount\":0.05261,\"hcltvDrawAmount\":0.05261,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":2.425,\"rawBasePoints\":1.257,\"adjustedPoints\":0.375,\"adjustedPointsBorrowerPaid\":0.375,\"adjustmentPoints\":-2.05,\"adjustmentPointsBorrowerPaid\":-2.05,\"rawAdjustmentPoints\":-2.05,\"rawAdjustmentPointsBorrowerPaid\":-2.05,\"armIndexRate\":0.0,\"notRoundedAPR\":5.047,\"borrowerPaid\":1381.1,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.375 (Points) x $368,294.00 (Loan Amount)\",\"points\":0.375,\"amount\":1381.1,\"type\":\"Origination\",\"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,\"includeInQmCriteria\":false,\"discountedRate\":false,\"premiumRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":1381.1,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":0.375,\"borrowerPaidMinusCompDollarAmount\":1381.103,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.375 (Points) x $368,294.00 (Loan Amount)\",\"points\":0.375,\"amount\":1381.1,\"type\":\"Origination\",\"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,\"includeInQmCriteria\":false,\"discountedRate\":false,\"premiumRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional 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[2026-01-23 03:39:37] local.INFO: Processing API response  
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
[2026-01-23 03:39:38] local.INFO: Checking rate: 4.99 -> Converted as: 4.99  
[2026-01-23 03:39:38] local.INFO: Matched rate: 4.99  
[2026-01-23 03:39:38] local.INFO: Checking rate: 5 -> Converted as: 5.0  
[2026-01-23 03:39:38] local.INFO: Matched rate: 5.0  
[2026-01-23 03:39:38] local.INFO: Checking rate: 5.125 -> Converted as: 5.125  
[2026-01-23 03:39:38] local.INFO: Matched rate: 5.125  
[2026-01-23 03:39:38] local.INFO: Checking rate: 5.25 -> Converted as: 5.25  
[2026-01-23 03:39:38] local.INFO: Matched rate: 5.25  
[2026-01-23 03:39:38] local.INFO: Checking rate: 5.375 -> Converted as: 5.375  
[2026-01-23 03:39:38] local.INFO: Matched rate: 5.375  
[2026-01-23 03:39:38] local.INFO: Checking rate: 5.49 -> Converted as: 5.49  
[2026-01-23 03:39:38] local.INFO: Matched rate: 5.49  
[2026-01-23 03:39:38] local.INFO: Checking rate: 5.5 -> Converted as: 5.5  
[2026-01-23 03:39:38] local.INFO: Matched rate: 5.5  
[2026-01-23 03:39:38] local.INFO: Checking rate: 5.625 -> Converted as: 5.625  
[2026-01-23 03:39:38] local.INFO: Matched rate: 5.625  
[2026-01-23 03:39:38] local.INFO: Checking rate: 5.75 -> Converted as: 5.75  
[2026-01-23 03:39:38] local.INFO: Matched rate: 5.75  
[2026-01-23 03:39:38] local.INFO: Checking rate: 5.875 -> Converted as: 5.875  
[2026-01-23 03:39:38] local.INFO: Matched rate: 5.875  
[2026-01-23 03:39:38] local.INFO: Checking rate: 6 -> Converted as: 6.0  
[2026-01-23 03:39:38] local.INFO: Matched rate: 6.0  
[2026-01-23 03:39:38] local.INFO: Checking rate: 6.125 -> Converted as: 6.125  
[2026-01-23 03:39:38] local.INFO: Matched rate: 6.125  
[2026-01-23 03:39:38] local.INFO: Checking rate: 6.25 -> Converted as: 6.25  
[2026-01-23 03:39:38] local.INFO: Matched rate: 6.25  
[2026-01-23 03:39:38] local.INFO: Checking rate: 6.375 -> Converted as: 6.375  
[2026-01-23 03:39:38] local.INFO: Matched rate: 6.375  
[2026-01-23 03:39:38] local.INFO: Checking rate: 6.5 -> Converted as: 6.5  
[2026-01-23 03:39:38] local.INFO: Matched rate: 6.5  
[2026-01-23 03:39:38] local.INFO: Checking rate: 6.625 -> Converted as: 6.625  
[2026-01-23 03:39:38] local.INFO: Matched rate: 6.625  
[2026-01-23 03:39:38] local.INFO: Checking rate: 6.75 -> Converted as: 6.75  
[2026-01-23 03:39:38] local.INFO: Matched rate: 6.75  
[2026-01-23 03:39:38] local.INFO: Checking rate: 6.875 -> Converted as: 6.875  
[2026-01-23 03:39:38] local.INFO: Matched rate: 6.875  
[2026-01-23 03:39:38] local.INFO: Checking rate: 7 -> Converted as: 7.0  
[2026-01-23 03:39:38] local.INFO: Matched rate: 7.0  
[2026-01-23 03:39:38] local.INFO: Available keys in data: ["4.99","5.0","5.125","5.25","5.375","5.49","5.5","5.625","5.75","5.875","6.0","6.125","6.25","6.375","6.5","6.625","6.75","6.875","7.0"]  
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[2026-01-23 03:39:38] local.INFO: Checking rate: {"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1381.09999999999990905052982270717620849609375,"adjustedPoints":0.375,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2910.53000000000020008883439004421234130859375,"miPayment":0,"points":0.375,"amount":1381.09999999999990905052982270717620849609375,"totalPrincipal":368294,"totalInterest":155600.67000000001280568540096282958984375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1381.09999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2910.53000000000020008883439004421234130859375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2910.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365396.25,"totalInterest":155588.619999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2910.53000000000020008883439004421234130859375},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2909.8000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2897.75,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2909.8000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $368,294.00 (Loan Amount)","points":0.375,"amount":1381.09999999999990905052982270717620849609375,"type":"Origination","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,"includeInQmCriteria":false,"discountedRate":false,"premiumRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-01-23 03:39:38] local.INFO: Checking rate: {"product":"15 YR FIXED","term":180,"rate":5,"closingCosts":920.740000000000009094947017729282379150390625,"adjustedPoints":0.25,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2912.4499999999998181010596454143524169921875,"miPayment":0,"points":0.25,"amount":920.740000000000009094947017729282379150390625,"totalPrincipal":368294,"totalInterest":155945.77999999999883584678173065185546875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":5,"fico":742,"apr":5.038000000000000255795384873636066913604736328125,"finalClosingCost":920.740000000000009094947017729282379150390625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2912.4499999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5,"monthlyPI":-2912.4499999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365394.849999999976716935634613037109375,"totalInterest":155933.7000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2912.4499999999998181010596454143524169921875},{"start":180,"end":180,"rate":5,"monthlyPI":-2911.23000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2899.15000000000009094947017729282379150390625,"totalInterest":12.0800000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2911.23000000000001818989403545856475830078125}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $368,294.00 (Loan Amount)","points":0.25,"amount":920.740000000000009094947017729282379150390625,"type":"Origination","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,"includeInQmCriteria":false,"discountedRate":false,"premiumRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-01-23 03:39:38] local.INFO: Checking rate: {"product":"15 YR FIXED","term":180,"rate":5.125,"closingCosts":-460.3700000000000045474735088646411895751953125,"adjustedPoints":-0.125,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2936.48000000000001818989403545856475830078125,"miPayment":0,"points":-0.125,"amount":-460.3700000000000045474735088646411895751953125,"totalPrincipal":368294,"totalInterest":160273.26999999998952262103557586669921875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-460.3700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2936.48000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.125,"monthlyPI":-2936.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365369.140000000013969838619232177734375,"totalInterest":160260.77999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2936.48000000000001818989403545856475830078125},{"start":180,"end":180,"rate":5.125,"monthlyPI":-2937.34999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2924.86000000000012732925824820995330810546875,"totalInterest":12.4900000000000002131628207280300557613372802734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2937.34999999999990905052982270717620849609375}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $368,294.00 (Loan Amount)","points":-0.125,"amount":-460.3700000000000045474735088646411895751953125,"type":"Origination","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,"includeInQmCriteria":false,"discountedRate":false,"premiumRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-01-23 03:39:38] local.INFO: Checking rate: {"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1381.09999999999990905052982270717620849609375,"adjustedPoints":-0.375,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2960.6300000000001091393642127513885498046875,"miPayment":0,"points":-0.375,"amount":-1381.09999999999990905052982270717620849609375,"totalPrincipal":368294,"totalInterest":164620.369999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1381.09999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2960.6300000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2960.6300000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365345.2999999999883584678173065185546875,"totalInterest":164607.47000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2960.6300000000001091393642127513885498046875},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2961.59999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2948.6999999999998181010596454143524169921875,"totalInterest":12.9000000000000003552713678800500929355621337890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2961.59999999999990905052982270717620849609375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $368,294.00 (Loan Amount)","points":-0.375,"amount":-1381.09999999999990905052982270717620849609375,"type":"Origination","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,"includeInQmCriteria":false,"discountedRate":false,"premiumRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-01-23 03:39:38] local.INFO: Selected rate for term 180: {"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1381.09999999999990905052982270717620849609375,"adjustedPoints":-0.375,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2960.6300000000001091393642127513885498046875,"miPayment":0,"points":-0.375,"amount":-1381.09999999999990905052982270717620849609375,"totalPrincipal":368294,"totalInterest":164620.369999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1381.09999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2960.6300000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2960.6300000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365345.2999999999883584678173065185546875,"totalInterest":164607.47000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2960.6300000000001091393642127513885498046875},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2961.59999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2948.6999999999998181010596454143524169921875,"totalInterest":12.9000000000000003552713678800500929355621337890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2961.59999999999990905052982270717620849609375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $368,294.00 (Loan Amount)","points":-0.375,"amount":-1381.09999999999990905052982270717620849609375,"type":"Origination","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,"includeInQmCriteria":false,"discountedRate":false,"premiumRate":false,"tax":false,"insurance":false}]}}  
[2026-01-23 03:39:38] local.INFO: Final selected rates for term 180: [{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1381.09999999999990905052982270717620849609375,"adjustedPoints":0.375,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2910.53000000000020008883439004421234130859375,"miPayment":0,"points":0.375,"amount":1381.09999999999990905052982270717620849609375,"totalPrincipal":368294,"totalInterest":155600.67000000001280568540096282958984375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1381.09999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2910.53000000000020008883439004421234130859375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2910.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365396.25,"totalInterest":155588.619999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2910.53000000000020008883439004421234130859375},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2909.8000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2897.75,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2909.8000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $368,294.00 (Loan Amount)","points":0.375,"amount":1381.09999999999990905052982270717620849609375,"type":"Origination","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,"includeInQmCriteria":false,"discountedRate":false,"premiumRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1381.09999999999990905052982270717620849609375,"adjustedPoints":-0.375,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2960.6300000000001091393642127513885498046875,"miPayment":0,"points":-0.375,"amount":-1381.09999999999990905052982270717620849609375,"totalPrincipal":368294,"totalInterest":164620.369999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1381.09999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2960.6300000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2960.6300000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365345.2999999999883584678173065185546875,"totalInterest":164607.47000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2960.6300000000001091393642127513885498046875},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2961.59999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2948.6999999999998181010596454143524169921875,"totalInterest":12.9000000000000003552713678800500929355621337890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2961.59999999999990905052982270717620849609375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $368,294.00 (Loan Amount)","points":-0.375,"amount":-1381.09999999999990905052982270717620849609375,"type":"Origination","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,"includeInQmCriteria":false,"discountedRate":false,"premiumRate":false,"tax":false,"insurance":false}]}}]  
[2026-01-23 03:39:38] local.INFO: ----------------Filtered data--------------{"filteredData":[{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1381.09999999999990905052982270717620849609375,"adjustedPoints":0.375,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2910.53000000000020008883439004421234130859375,"miPayment":0,"points":0.375,"amount":1381.09999999999990905052982270717620849609375,"totalPrincipal":368294,"totalInterest":155600.67000000001280568540096282958984375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1381.09999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2910.53000000000020008883439004421234130859375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2910.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365396.25,"totalInterest":155588.619999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2910.53000000000020008883439004421234130859375},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2909.8000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2897.75,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2909.8000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $368,294.00 (Loan Amount)","points":0.375,"amount":1381.09999999999990905052982270717620849609375,"type":"Origination","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,"includeInQmCriteria":false,"discountedRate":false,"premiumRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1381.09999999999990905052982270717620849609375,"adjustedPoints":-0.375,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2960.6300000000001091393642127513885498046875,"miPayment":0,"points":-0.375,"amount":-1381.09999999999990905052982270717620849609375,"totalPrincipal":368294,"totalInterest":164620.369999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1381.09999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2960.6300000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2960.6300000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365345.2999999999883584678173065185546875,"totalInterest":164607.47000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2960.6300000000001091393642127513885498046875},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2961.59999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2948.6999999999998181010596454143524169921875,"totalInterest":12.9000000000000003552713678800500929355621337890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2961.59999999999990905052982270717620849609375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $368,294.00 (Loan Amount)","points":-0.375,"amount":-1381.09999999999990905052982270717620849609375,"type":"Origination","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,"includeInQmCriteria":false,"discountedRate":false,"premiumRate":false,"tax":false,"insurance":false}]}}]}  
[2026-01-23 03:39:38] local.INFO: ----------------result data--------------{"result":[{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1381.09999999999990905052982270717620849609375,"adjustedPoints":0.375,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2910.53000000000020008883439004421234130859375,"miPayment":0,"points":0.375,"amount":1381.09999999999990905052982270717620849609375,"totalPrincipal":368294,"totalInterest":155600.67000000001280568540096282958984375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1381.09999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2910.53000000000020008883439004421234130859375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2910.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365396.25,"totalInterest":155588.619999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2910.53000000000020008883439004421234130859375},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2909.8000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2897.75,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2909.8000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $368,294.00 (Loan Amount)","points":0.375,"amount":1381.09999999999990905052982270717620849609375,"type":"Origination","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,"includeInQmCriteria":false,"discountedRate":false,"premiumRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1381.09999999999990905052982270717620849609375,"adjustedPoints":-0.375,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2960.6300000000001091393642127513885498046875,"miPayment":0,"points":-0.375,"amount":-1381.09999999999990905052982270717620849609375,"totalPrincipal":368294,"totalInterest":164620.369999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1381.09999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2960.6300000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2960.6300000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365345.2999999999883584678173065185546875,"totalInterest":164607.47000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2960.6300000000001091393642127513885498046875},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2961.59999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2948.6999999999998181010596454143524169921875,"totalInterest":12.9000000000000003552713678800500929355621337890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2961.59999999999990905052982270717620849609375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $368,294.00 (Loan Amount)","points":-0.375,"amount":-1381.09999999999990905052982270717620849609375,"type":"Origination","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,"includeInQmCriteria":false,"discountedRate":false,"premiumRate":false,"tax":false,"insurance":false}]}}]}  
[2026-01-23 03:39:38] local.INFO: LRST (Lower your payment) - Lender Price API response received for LRST {"response":{"Illuminate\\Support\\Collection":[{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1381.09999999999990905052982270717620849609375,"adjustedPoints":0.375,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":2910.53000000000020008883439004421234130859375,"miPayment":0.0,"points":0.375,"amount":1381.09999999999990905052982270717620849609375,"totalPrincipal":368294.0,"totalInterest":155600.67000000001280568540096282958984375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294.0,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742.0,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1381.09999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR 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[2026-01-23 03:39:38] local.INFO: Starting processApiResponseforLRST {"mortgage_id":791,"user_id":1122,"property_id":1173,"remaining_term":180} 
[2026-01-23 03:39:38] local.INFO: Processing API response {"api_rate":4.9900000000000002131628207280300557613372802734375,"current_interest_rate":6.875} 
[2026-01-23 03:39:38] local.INFO: Calculated savings {"current_monthly_payment":3285.0,"new_monthly_payment":2910.53000000000020008883439004421234130859375,"monthly_savings":374.46999999999979991116560995578765869140625,"savings_threshold":100} 
[2026-01-23 03:39:38] local.INFO: Calculated interest savings {"current_total_interest":6187500.0,"new_total_interest":155600.67000000001280568540096282958984375,"interest_savings":6031899.33000000007450580596923828125} 
[2026-01-23 03:39:38] local.INFO: Starting storeAlert {"user_id":1122,"property_id":1173,"remaining_term":180,"alert_type":"lower_rate_same_term"} 
[2026-01-23 03:39:38] local.INFO: Interest Savings Calculation {"property_id":null,"interest_savings":6031899.33000000007450580596923828125,"current_monthly_payment":3285.0,"remainingTerm":180,"current_loan_balance":368294.0,"old_interest":223006.0,"new_interest":155600.67000000001280568540096282958984375} 
[2026-01-23 03:39:38] local.INFO: Total Savings Calculation {"proposed_interest_cost":155601.400000000023283064365386962890625,"total_saving":67404.599999999976716935634613037109375} 
[2026-01-23 03:39:38] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 368294  
[2026-01-23 03:39:38] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 368294, onePercent - 3682.94  
[2026-01-23 03:39:38] local.INFO:  ---------------- in store alert margin- 3682.94  
[2026-01-23 03:39:38] local.INFO:  ---------------- in store alert cost_or_credit- 6559.04  
[2026-01-23 03:39:38] local.INFO:  ---------------- in store alert cost_or_credit- 6559.04  
[2026-01-23 03:39:38] local.INFO: Storing alert for user {"user_id":1122,"new_rate":4.9900000000000002131628207280300557613372802734375,"new_term":180} 
[2026-01-23 03:39:38] local.INFO: Successfully stored alert {"user_id":1122} 
[2026-01-23 03:39:38] local.INFO: Stored alert for mortgage {"mortgage_id":791,"api_rate":4.9900000000000002131628207280300557613372802734375,"monthly_savings":374.46999999999979991116560995578765869140625,"interest_savings":6031899.33000000007450580596923828125} 
[2026-01-23 03:39:38] local.INFO: Processing API response {"api_rate":5.25,"current_interest_rate":6.875} 
[2026-01-23 03:39:38] local.INFO: Calculated savings {"current_monthly_payment":3285.0,"new_monthly_payment":2960.6300000000001091393642127513885498046875,"monthly_savings":324.3699999999998908606357872486114501953125,"savings_threshold":100} 
[2026-01-23 03:39:38] local.INFO: Calculated interest savings {"current_total_interest":6187500.0,"new_total_interest":164620.369999999995343387126922607421875,"interest_savings":6022879.629999999888241291046142578125} 
[2026-01-23 03:39:38] local.INFO: Starting storeAlert {"user_id":1122,"property_id":1173,"remaining_term":180,"alert_type":"lower_rate_same_term"} 
[2026-01-23 03:39:38] local.INFO: Interest Savings Calculation {"property_id":null,"interest_savings":6022879.629999999888241291046142578125,"current_monthly_payment":3285.0,"remainingTerm":180,"current_loan_balance":368294.0,"old_interest":223006.0,"new_interest":164620.369999999995343387126922607421875} 
[2026-01-23 03:39:38] local.INFO: Total Savings Calculation {"proposed_interest_cost":164619.400000000023283064365386962890625,"total_saving":58386.599999999976716935634613037109375} 
[2026-01-23 03:39:38] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 368294  
[2026-01-23 03:39:38] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 368294, onePercent - 3682.94  
[2026-01-23 03:39:38] local.INFO:  ---------------- in store alert margin- 3682.94  
[2026-01-23 03:39:38] local.INFO:  ---------------- in store alert cost_or_credit- 3796.84  
[2026-01-23 03:39:38] local.INFO:  ---------------- in store alert cost_or_credit- 3796.84  
[2026-01-23 03:39:38] local.INFO: Storing alert for user {"user_id":1122,"new_rate":5.25,"new_term":180} 
[2026-01-23 03:39:38] local.INFO: Successfully stored alert {"user_id":1122} 
[2026-01-23 03:39:38] local.INFO: Stored alert for mortgage {"mortgage_id":791,"api_rate":5.25,"monthly_savings":324.3699999999998908606357872486114501953125,"interest_savings":6022879.629999999888241291046142578125} 
[2026-01-23 03:39:38] local.INFO: Completed processApiResponseforLRST {"mortgage_id":791,"user_id":1122} 
[2026-01-23 03:39:38] local.INFO: LRST (Lower your payment) - Finished processing Mortgage {"mortgage_id":791} 
[2026-01-23 03:39:38] local.INFO: LRST (Lower your payment) - Completed lowerRateSameTermAlerts process  
[2026-01-23 03:39:38] local.INFO: LRNST (Lower interest cost) - Starting lowerRateNotSameTermAlerts process {"property_id":1173,"user_id":1122} 
[2026-01-23 03:39:38] local.INFO: Fetching user IDs  {"userId":1122} 
[2026-01-23 03:39:38] local.INFO: Retrieved user IDs {"userIds":[1122]} 
[2026-01-23 03:39:38] local.INFO: Fetching mortgages for users {"userIds":[1122],"propertyId":1173} 
[2026-01-23 03:39:38] local.INFO: Filtered mortgages retrieved {"totalGroups":1} 
[2026-01-23 03:39:38] local.INFO: LRNST (Lower interest cost) - Processing Mortgage {"mortgage_id":791,"user_id":1122,"property_id":1173} 
[2026-01-23 03:39:38] local.INFO: LRNST (Lower interest cost) - Calculated loan balances {"current_loan_balance":368294.0,"original_loan_balance_80_prct":400000.0} 
[2026-01-23 03:39:38] local.INFO: LRNST (Lower interest cost) - Eligible for lower interest cost analysis {"current_loan_balance":368294.0,"original_loan_balance_80_prct":400000.0} 
[2026-01-23 03:39:38] local.INFO: LRNST (Lower interest cost) - Determined loan terms for API request {"terms_criteria":[10]} 
[2026-01-23 03:39:38] local.INFO: LRNST (Lower interest cost) - Calling LenderPrice API {"api_request":{"creditScore":742.0,"propertyType":"Townhome (PUD)","occupancyType":"Primary","zip":"85083","homeValue":7000000.0,"currentLoanBalance":368294.0,"current_rate":6.875,"terms":[10],"state_code":"AZ","mortgageTypes":"FHA","numberOfUnit":null,"assigned_loan_officer":40,"subordinateLoanAmount":0}} 
[2026-01-23 03:39:38] local.INFO: Preparing request for LenderPrice API {"params":{"creditScore":742.0,"propertyType":"Townhome (PUD)","occupancyType":"Primary","zip":"85083","homeValue":7000000.0,"currentLoanBalance":368294.0,"current_rate":6.875,"terms":[10],"state_code":"AZ","mortgageTypes":"FHA","numberOfUnit":null,"assigned_loan_officer":40,"subordinateLoanAmount":0}} 
[2026-01-23 03:39:38] local.INFO: calculateLTV Inputs - Loan Amount: 368294, Appraised Value: 7000000  
[2026-01-23 03:39:38] local.INFO: calculateLTV Inputs after type casting - Loan Amount: 368294, Appraised Value: 7000000  
[2026-01-23 03:39:38] local.INFO:  ---------------- LenderpriceID - Sal.Ali----40  
[2026-01-23 03:39:38] local.DEBUG: Request Array {"companyId":"62c32579ce8ad000010a5f06","date":null,"loanPurposeCriteria":["Refinance"],"criteria":{"purchasePrice":0,"loanAmount":368294.0,"appraisedValue":7000000.0,"subordinateLoanAmount":0,"pmiType":"None","loanPurpose":"Refinance","mortgageTypes":["Conventional"],"propertyUse":"PrimaryResidence","fico":742.0,"monthlyDebt":5333,"monthlyIncome":16667},"accessCriteria":{"companyIds":[],"userContext":{"username":"Sal.Ali"}},"filter":{"programNames":[],"productCode":[],"getRateGridFilterReason":false},"brokerCriteria":{"dayLocks":30,"ausList":["DU","LP"],"closingCostRange":{"closestToPar":false},"minimunCompensation":-1.5,"maxCompensation":0.5},"maxListingPerRate":1,"property":{"address":{"zip":"85083","state":"AZ"},"propertyType":"PlannedUnitDevelopment","numberOfUnit":1},"termsCriteria":[10],"varLoanTypeCriteria":[]} 
[2026-01-23 03:39:38] local.INFO: Fetching LenderPrice token {"force":true} 
[2026-01-23 03:39:38] local.INFO: New LenderPrice token saved  
[2026-01-23 03:39:38] local.ERROR: Token response: {"valid":"2026-01-24T03:39:38.188Z","secret":"k4F7wsQoYsxDbZvALXKAuZmyTRaBSp9tVZTseoFIf1NLUwdSdIvGXgsnyBBuQL1w"}  
[2026-01-23 03:39:38] local.ERROR: Token response decoded: k4F7wsQoYsxDbZvALXKAuZmyTRaBSp9tVZTseoFIf1NLUwdSdIvGXgsnyBBuQL1w  
[2026-01-23 03:39:38] local.INFO: LenderPrice Token Retrieved - k4F7wsQoYsxDbZvALXKAuZmyTRaBSp9tVZTseoFIf1NLUwdSdIvGXgsnyBBuQL1w  
[2026-01-23 03:39:38] local.INFO: Making API request {"url":"https://ppe-rapi.lenderprice.com/rest/pricing/multisearch/667ae5e1ce8ad000011a9ea2"} 
[2026-01-23 03:39:38] local.INFO: Making API request - requestJSON - {"companyId":"62c32579ce8ad000010a5f06","date":null,"loanPurposeCriteria":["Refinance"],"criteria":{"purchasePrice":0,"loanAmount":368294,"appraisedValue":7000000,"subordinateLoanAmount":0,"pmiType":"None","loanPurpose":"Refinance","mortgageTypes":["Conventional"],"propertyUse":"PrimaryResidence","fico":742,"monthlyDebt":5333,"monthlyIncome":16667},"accessCriteria":{"companyIds":[],"userContext":{"username":"Sal.Ali"}},"filter":{"programNames":[],"productCode":[],"getRateGridFilterReason":false},"brokerCriteria":{"dayLocks":30,"ausList":["DU","LP"],"closingCostRange":{"closestToPar":false},"minimunCompensation":-1.5,"maxCompensation":0.5},"maxListingPerRate":1,"property":{"address":{"zip":"85083","state":"AZ"},"propertyType":"PlannedUnitDevelopment","numberOfUnit":1},"termsCriteria":[10],"varLoanTypeCriteria":[]}  
[2026-01-23 03:39:38] local.INFO: Making API request - token - k4F7wsQoYsxDbZvALXKAuZmyTRaBSp9tVZTseoFIf1NLUwdSdIvGXgsnyBBuQL1w  
[2026-01-23 03:39:40] local.DEBUG: API Response {"response":"{\"dataEventId\":\"6972ed7aaad96700012fcf08-36588\",\"baseSearch\":{\"allowModifiedDate\":true,\"titleVendorQuestions\":[],\"useExternalFees\":true,\"showTitleQuestion\":true,\"debugLevel\":\"WARNING\",\"pricingOrigin\":\"ApiPricing\",\"lenderAutoPrice\":false,\"loanAmountCriteria\":[368294.0],\"termsCriteria\":[10],\"termsInMonths\":false,\"loanPurposeCriteria\":[\"Refinance\"],\"loanTypeCriteria\":[\"Fixed\"],\"varLoanTypeCriteria\":[],\"titleVendors\":[],\"name\":\"InstaMortgage Inc./667ae5e1ce8ad000011a9ea2\",\"companyId\":\"62c32579ce8ad000010a5f06\",\"criteria\":{\"id\":\"6972ed7aaad96700012fcf01\",\"purchasePrice\":0.0,\"loanAmount\":368294.0,\"rehabBudget\":0.0,\"totalLoanAmount\":400000.0,\"computeApr\":true,\"totalLoanAmountByMortgageType\":{\"Conventional\":368294.0},\"totalLoanAmountByFHALoanType\":{},\"subordinateLoanAmount\":0.0,\"pmiType\":\"None\",\"monthlyIncome\":16667.0,\"monthlyDebt\":5333.0,\"ami\":109600.0,\"incomeAmiRatio\":1.8248540145985401,\"lmiData\":{\"id\":null,\"lmiSubsidyId\":null,\"lmiTract\":0,\"borLimit\":0.0,\"chaseAA\":false,\"msa\":null,\"lmiType\":null,\"commTract\":null},\"dutyToServe\":false,\"lineAmount\":0.0,\"drawAmount\":0.0,\"constructionDrawAmount\":0.0,\"renovationCost\":0.0,\"cashoutAmount\":0.0,\"appraisedValue\":7000000.0,\"isFirstLienSame\":\"\",\"monthlyReserve\":0.0,\"employeeLoan\":\"\",\"dscr\":0.0,\"caseAssignementDate\":\"2026-01-23T03:39:38.426Z\",\"docType\":\"FullDoc\",\"closedEnd\":false,\"balloon\":false,\"rural\":false,\"firstTimeHomeBuyer\":false,\"selfEmployed\":false,\"nonWarrantableProject\":false,\"renovationLoan\":false,\"communitySecond\":false,\"numberOfCoBorrower\":1,\"numberOfBorrower\":1,\"loanYear\":10,\"loanPurpose\":\"Refinance\",\"fhaEndorsementDate\":\"2026-01-23T03:39:38.426Z\",\"loanType\":\"Fixed\",\"paymentInterestType\":\"FullPITI\",\"helocCriteria\":{\"applyLineAmount\":false},\"mortgageTypes\":[\"Conventional\"],\"mortgageLimitMapByYear\":{\"2026\":{\"mortgageLimitFHA\":\"Conforming\",\"mortgageLimit\":\"Conforming\",\"fhaMortgageLimit\":557750.0}},\"highBalanceCountyMappedByYear\":{\"2026\":false},\"mortgageLimitForLatestYear\":{\"mortgageLimitFHA\":\"Conforming\",\"mortgageLimit\":\"Conforming\",\"fhaMortgageLimit\":557750.0,\"year\":2026,\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0},\"mortgageLimit\":\"Conforming\",\"fhaMortgageLimit\":557750.0,\"propertyUse\":\"PrimaryResidence\",\"ownProperties\":0,\"veteranType\":\"Active_Or_Veteran\",\"vaUsageType\":\"First_Use\",\"ufmipFinanced\":\"YES\",\"propertyValuationType\":\"Full_Appraisal\",\"calculatedfeeAmount\":0.0,\"calculatedFeeByMortgageType\":{},\"calculatedFeeByFHALoanType\":{},\"affinityCode\":\"\",\"affinityCodes\":[],\"specialMortgageOptions\":[],\"inclusive\":false,\"varaiableLoanTypes\":[],\"fico\":742,\"fhaLoanTypes\":[\"STANDARD\"],\"vaLoanTypes\":[\"ALL\"],\"cemaIndicator\":false,\"downPaymentAmount\":0.0,\"compensationType\":\"LenderCompPlan\",\"studentLoanIndicator\":false,\"appraisalConditionAsIs\":true,\"totalLoanAmountByVaType\":{},\"normalHelocBehavior\":true,\"interestOnly\":false,\"payoffStatusIndicatorFirstLien\":false,\"payoffStatusIndicatorSecondLien\":false,\"existingFirstLien\":true,\"subordinate\":false,\"assumption\":false,\"assumptionRate\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"occupancyRate\":0.0,\"firstLienPaymentAmount\":0.0,\"subordinateSubType\":\"NONE\",\"useCustomerTotalLoanAmount\":false,\"helocLtvComputationLogic\":\"LP\",\"rtlproduct\":false,\"reversemortgage\":false,\"ltv\":0.05261,\"cltv\":0.05261,\"lenderFeeWaiver\":false,\"escrowWaiver\":false,\"highBalanceCounty\":false,\"dti\":0.31997,\"hcltvDrawAmount\":0.0,\"hcltvLineAmount\":0.05261,\"valueOfCollateral\":7000000.0,\"ext\":false},\"property\":{\"allowModifiedDate\":true,\"address\":{\"longitude\":null,\"latitude\":null,\"censustract\":\"\",\"street\":\"\",\"streetCont\":\"\",\"city\":\"\",\"zip\":\"85083\",\"zipExt\":\"\",\"state\":\"AZ\",\"province\":\"\",\"county\":\"04013\",\"countyName\":\"MARICOPA\",\"country\":\"US\",\"countyFips\":\"04013\",\"stateFips\":\"\",\"msa\":null,\"defaultZipFipsComboOnMismatch\":false},\"propertyType\":\"PlannedUnitDevelopment\",\"numberOfUnit\":1,\"bedrooms\":0,\"bathrooms\":0.0,\"finishedSqFt\":0.0,\"lotSizeSqFt\":0.0,\"lotSizeAcre\":0.0,\"yearBuilt\":0,\"mls\":\"\",\"totalRooms\":0,\"propertyDescription\":\"\",\"price\":0.0,\"priceDate\":\"\",\"hoa\":0.0,\"taxAssessment\":0.0,\"taxAssessmentYear\":\"\",\"propertyTaxPercent\":0.0,\"propertyTaxYear\":\"\",\"lastSoldPrice\":0.0,\"lastSoldDate\":\"\",\"jsonImages\":[],\"links\":[],\"forSale\":false,\"features\":[],\"constructions\":[],\"facts\":[]},\"brokerCriteria\":{\"allowModifiedDate\":true,\"searchContext\":{},\"minimunCompensation\":-1.5,\"maxCompensation\":0.5,\"scriptWeight\":100,\"overrideExistingComplan\":false,\"lockGroups\":[],\"excludeLockGroups\":[],\"pointsFinancedDollarAmount\":0.0,\"adjCodeToExclude\":[],\"adjNameToExclude\":[],\"adjIdToExclude\":[],\"rateTypes\":[],\"subRateTypes\":[],\"qmTypes\":[],\"view\":\"LenderPaid\",\"businessSourceType\":\"BST_NA\",\"feeServicerList\":[],\"adjustments\":[],\"rangeComplan\":{\"@class\":\"com.cre8techlabs.entity.range.DoubleRangeGeLe\",\"from\":null,\"to\":null},\"sortStrategy\":\"APR\",\"priceBucketList\":[],\"resultPerBucket\":1,\"executionType\":\"BestEfforts\",\"useExecutionType\":false,\"dayLocks\":30,\"dayLocksList\":[7,15,30,45,60,70,75,90,120],\"ausList\":[\"LP\",\"DU\"],\"ausIndicator\":\"\",\"closingCostRange\":{\"@class\":\"com.cre8techlabs.entity.broker.BrokerCriteria$RangeClosingCost\",\"from\":null,\"to\":null,\"closestToPar\":false,\"closestToTargetValue\":null,\"infinite\":true},\"displayConventionalRate\":false},\"accessCriteria\":{\"marketPlaceSearch\":false,\"dataLog\":true,\"userContext\":{\"overrided\":true,\"username\":\"Sal.Ali\",\"groupType\":\"AddToCurrentUser\"},\"companyIds\":[],\"companyMap\":{},\"ratePeriodMap\":{},\"overrideNode\":25,\"fieldsToRemove\":[]},\"miCriteria\":{\"mode\":\"Reducer\",\"miCompanyId\":null,\"miCompanyName\":null,\"amortizationType\":\"FullyAmmortized\",\"loanType\":\"Fixed\",\"duLpDecision\":\"DU_Approve_Eligible\",\"buyDownPercent\":\"None\",\"originationChannel\":\"Retail\",\"loanProgram\":null,\"renewalType\":\"Constant\",\"paymentPlan\":\"EZMonthly\",\"paymentType\":\"Monthly\",\"borrowerFicoScore\":null,\"coBorrowerFicoScore\":null,\"varaiableLoanType\":null,\"monthlyPlanRefundable\":false,\"singlePlanRefundable\":false,\"splitPlanRefundable\":false,\"annualPlanRefundable\":false,\"borrowerNonTraditionalCredit\":false,\"coBorrowerNonTraditionalCredit\":false,\"borrowerSelfEmployed\":false,\"coBorrowerSelfEmployed\":false,\"buydownUpfrontAmount\":null,\"needCoBorrower\":false,\"overrideDTI\":null,\"overrideDSCR\":null,\"initialPremiumAtClosing\":\"Deferred\",\"rateQuoteAllProductIndicator\":false,\"rateQuoteProductComparisonIndicator\":false,\"miPremiumFinancedIndicator\":false,\"premiumRatePlanType\":\"Level\",\"miRateSource\":null,\"miCoverage\":null,\"miCoverages\":[],\"miPremium\":null,\"useDefaultEstimatedMi\":false,\"companyToken\":\"Placeholder\",\"numberOfDeferredPayments\":0},\"dynamicPropertiesMap\":{},\"rateGridIds\":[],\"rateProgramIds\":[],\"ratePeriodIds\":[\"6557cf91ce8ad000012b25b3\"],\"ratePeriodIdOverride\":\"6557cf91ce8ad000012b25b3\",\"investors\":[],\"investorIds\":[],\"test\":false,\"skipAdjustments\":false,\"filter\":{\"programNames\":[],\"productCode\":[],\"getRateGridFilterReason\":false,\"ineligibleProduct\":false,\"priceIneligibleProduct\":false,\"rateFilter\":{\"condition\":null,\"filters\":[]}},\"globalGroupAdjustmentMap\":{},\"disqualifyAsync\":false,\"disqualifyFullResult\":true,\"showDisqualify\":false,\"showDisqualifyRules\":false,\"sortAscPoints\":true,\"showUnmatchCompPlan\":false,\"feeCriteria\":{},\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"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\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor 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[2026-01-23 03:39:40] local.INFO: Processing API response  
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
[2026-01-23 03:39:40] local.INFO: Checking rate: 4.99 -> Converted as: 4.99  
[2026-01-23 03:39:40] local.INFO: Matched rate: 4.99  
[2026-01-23 03:39:40] local.INFO: Checking rate: 5 -> Converted as: 5.0  
[2026-01-23 03:39:40] local.INFO: Matched rate: 5.0  
[2026-01-23 03:39:40] local.INFO: Checking rate: 5.125 -> Converted as: 5.125  
[2026-01-23 03:39:40] local.INFO: Matched rate: 5.125  
[2026-01-23 03:39:40] local.INFO: Checking rate: 5.25 -> Converted as: 5.25  
[2026-01-23 03:39:40] local.INFO: Matched rate: 5.25  
[2026-01-23 03:39:40] local.INFO: Checking rate: 5.375 -> Converted as: 5.375  
[2026-01-23 03:39:40] local.INFO: Matched rate: 5.375  
[2026-01-23 03:39:40] local.INFO: Checking rate: 5.49 -> Converted as: 5.49  
[2026-01-23 03:39:40] local.INFO: Matched rate: 5.49  
[2026-01-23 03:39:40] local.INFO: Checking rate: 5.5 -> Converted as: 5.5  
[2026-01-23 03:39:40] local.INFO: Matched rate: 5.5  
[2026-01-23 03:39:40] local.INFO: Checking rate: 5.625 -> Converted as: 5.625  
[2026-01-23 03:39:40] local.INFO: Matched rate: 5.625  
[2026-01-23 03:39:40] local.INFO: Checking rate: 5.75 -> Converted as: 5.75  
[2026-01-23 03:39:40] local.INFO: Matched rate: 5.75  
[2026-01-23 03:39:40] local.INFO: Checking rate: 5.875 -> Converted as: 5.875  
[2026-01-23 03:39:40] local.INFO: Matched rate: 5.875  
[2026-01-23 03:39:40] local.INFO: Checking rate: 5.99 -> Converted as: 5.99  
[2026-01-23 03:39:40] local.INFO: Matched rate: 5.99  
[2026-01-23 03:39:40] local.INFO: Checking rate: 6 -> Converted as: 6.0  
[2026-01-23 03:39:40] local.INFO: Matched rate: 6.0  
[2026-01-23 03:39:40] local.INFO: Checking rate: 6.125 -> Converted as: 6.125  
[2026-01-23 03:39:40] local.INFO: Matched rate: 6.125  
[2026-01-23 03:39:40] local.INFO: Checking rate: 6.25 -> Converted as: 6.25  
[2026-01-23 03:39:40] local.INFO: Matched rate: 6.25  
[2026-01-23 03:39:40] local.INFO: Checking rate: 6.375 -> Converted as: 6.375  
[2026-01-23 03:39:40] local.INFO: Matched rate: 6.375  
[2026-01-23 03:39:40] local.INFO: Checking rate: 6.49 -> Converted as: 6.49  
[2026-01-23 03:39:40] local.INFO: Matched rate: 6.49  
[2026-01-23 03:39:40] local.INFO: Checking rate: 6.5 -> Converted as: 6.5  
[2026-01-23 03:39:40] local.INFO: Matched rate: 6.5  
[2026-01-23 03:39:40] local.INFO: Available keys in data: ["5.25","5.375","5.5","5.625","5.75","5.875","5.99","6.0","4.99","5.0","5.125","5.49","6.125","6.25","6.375","6.49","6.5"]  
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[2026-01-23 03:39:40] local.INFO: Initially selected rate for term 120: {"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":460.3700000000000045474735088646411895751953125,"adjustedPoints":0.125,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":3904.53000000000020008883439004421234130859375,"miPayment":0,"points":0.125,"amount":460.3700000000000045474735088646411895751953125,"totalPrincipal":368294,"totalInterest":100249.460000000006402842700481414794921875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":460.3700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3904.53000000000020008883439004421234130859375,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3904.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364405.78000000002793967723846435546875,"totalInterest":100233.289999999993597157299518585205078125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3904.53000000000020008883439004421234130859375},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3904.38999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3888.21999999999979991116560995578765869140625,"totalInterest":16.1700000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3904.38999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $368,294.00 (Loan Amount)","points":0.125,"amount":460.3700000000000045474735088646411895751953125,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-01-23 03:39:40] local.INFO: Checking rate: {"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":460.3700000000000045474735088646411895751953125,"adjustedPoints":0.125,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":3904.53000000000020008883439004421234130859375,"miPayment":0,"points":0.125,"amount":460.3700000000000045474735088646411895751953125,"totalPrincipal":368294,"totalInterest":100249.460000000006402842700481414794921875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":460.3700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3904.53000000000020008883439004421234130859375,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3904.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364405.78000000002793967723846435546875,"totalInterest":100233.289999999993597157299518585205078125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3904.53000000000020008883439004421234130859375},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3904.38999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3888.21999999999979991116560995578765869140625,"totalInterest":16.1700000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3904.38999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $368,294.00 (Loan Amount)","points":0.125,"amount":460.3700000000000045474735088646411895751953125,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-01-23 03:39:40] local.INFO: Checking rate: {"product":"10 YR FIXED","term":120,"rate":5,"closingCosts":460.3700000000000045474735088646411895751953125,"adjustedPoints":0.125,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":3906.329999999999927240423858165740966796875,"miPayment":0,"points":0.125,"amount":460.3700000000000045474735088646411895751953125,"totalPrincipal":368294,"totalInterest":100465.4400000000023283064365386962890625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":10,"baseRates":5,"fico":742,"apr":5.02709999999999990194510246510617434978485107421875,"finalClosingCost":460.3700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3906.329999999999927240423858165740966796875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5,"monthlyPI":-3906.329999999999927240423858165740966796875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364404.0399999999790452420711517333984375,"totalInterest":100449.229999999995925463736057281494140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3906.329999999999927240423858165740966796875},{"start":120,"end":120,"rate":5,"monthlyPI":-3906.170000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3889.9600000000000363797880709171295166015625,"totalInterest":16.21000000000000085265128291212022304534912109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3906.170000000000072759576141834259033203125}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $368,294.00 (Loan Amount)","points":0.125,"amount":460.3700000000000045474735088646411895751953125,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-01-23 03:39:40] local.INFO: Checking rate: {"product":"10 YR FIXED","term":120,"rate":5.125,"closingCosts":-460.3700000000000045474735088646411895751953125,"adjustedPoints":-0.125,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":3928.8699999999998908606357872486114501953125,"miPayment":0,"points":-0.125,"amount":-460.3700000000000045474735088646411895751953125,"totalPrincipal":368294,"totalInterest":103170.520000000004074536263942718505859375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":10,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-460.3700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3928.8699999999998908606357872486114501953125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.125,"monthlyPI":-3928.8699999999998908606357872486114501953125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364381.71999999997206032276153564453125,"totalInterest":103153.8099999999976716935634613037109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3928.8699999999998908606357872486114501953125},{"start":120,"end":120,"rate":5.125,"monthlyPI":-3928.989999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3912.28000000000020008883439004421234130859375,"totalInterest":16.71000000000000085265128291212022304534912109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3928.989999999999781721271574497222900390625}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $368,294.00 (Loan Amount)","points":-0.125,"amount":-460.3700000000000045474735088646411895751953125,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-01-23 03:39:40] local.INFO: Checking rate: {"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-460.3700000000000045474735088646411895751953125,"adjustedPoints":-0.125,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":3951.489999999999781721271574497222900390625,"miPayment":0,"points":-0.125,"amount":-460.3700000000000045474735088646411895751953125,"totalPrincipal":368294,"totalInterest":105884.669999999998253770172595977783203125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-460.3700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3951.489999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3951.489999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364359.849999999976716935634613037109375,"totalInterest":105867.460000000006402842700481414794921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3951.489999999999781721271574497222900390625},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3951.36000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3934.15000000000009094947017729282379150390625,"totalInterest":17.21000000000000085265128291212022304534912109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3951.36000000000012732925824820995330810546875}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $368,294.00 (Loan Amount)","points":-0.125,"amount":-460.3700000000000045474735088646411895751953125,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-01-23 03:39:40] local.INFO: Selected rate for term 120: {"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-460.3700000000000045474735088646411895751953125,"adjustedPoints":-0.125,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":3951.489999999999781721271574497222900390625,"miPayment":0,"points":-0.125,"amount":-460.3700000000000045474735088646411895751953125,"totalPrincipal":368294,"totalInterest":105884.669999999998253770172595977783203125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-460.3700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3951.489999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3951.489999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364359.849999999976716935634613037109375,"totalInterest":105867.460000000006402842700481414794921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3951.489999999999781721271574497222900390625},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3951.36000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3934.15000000000009094947017729282379150390625,"totalInterest":17.21000000000000085265128291212022304534912109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3951.36000000000012732925824820995330810546875}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $368,294.00 (Loan Amount)","points":-0.125,"amount":-460.3700000000000045474735088646411895751953125,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-01-23 03:39:40] local.INFO: Final selected rates for term 120: [{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":460.3700000000000045474735088646411895751953125,"adjustedPoints":0.125,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":3904.53000000000020008883439004421234130859375,"miPayment":0,"points":0.125,"amount":460.3700000000000045474735088646411895751953125,"totalPrincipal":368294,"totalInterest":100249.460000000006402842700481414794921875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":460.3700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3904.53000000000020008883439004421234130859375,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3904.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364405.78000000002793967723846435546875,"totalInterest":100233.289999999993597157299518585205078125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3904.53000000000020008883439004421234130859375},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3904.38999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3888.21999999999979991116560995578765869140625,"totalInterest":16.1700000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3904.38999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $368,294.00 (Loan Amount)","points":0.125,"amount":460.3700000000000045474735088646411895751953125,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-460.3700000000000045474735088646411895751953125,"adjustedPoints":-0.125,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":3951.489999999999781721271574497222900390625,"miPayment":0,"points":-0.125,"amount":-460.3700000000000045474735088646411895751953125,"totalPrincipal":368294,"totalInterest":105884.669999999998253770172595977783203125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-460.3700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3951.489999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3951.489999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364359.849999999976716935634613037109375,"totalInterest":105867.460000000006402842700481414794921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3951.489999999999781721271574497222900390625},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3951.36000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3934.15000000000009094947017729282379150390625,"totalInterest":17.21000000000000085265128291212022304534912109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3951.36000000000012732925824820995330810546875}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $368,294.00 (Loan Amount)","points":-0.125,"amount":-460.3700000000000045474735088646411895751953125,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]  
[2026-01-23 03:39:40] local.INFO: ----------------Filtered data--------------{"filteredData":[{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":460.3700000000000045474735088646411895751953125,"adjustedPoints":0.125,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":3904.53000000000020008883439004421234130859375,"miPayment":0,"points":0.125,"amount":460.3700000000000045474735088646411895751953125,"totalPrincipal":368294,"totalInterest":100249.460000000006402842700481414794921875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":460.3700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3904.53000000000020008883439004421234130859375,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3904.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364405.78000000002793967723846435546875,"totalInterest":100233.289999999993597157299518585205078125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3904.53000000000020008883439004421234130859375},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3904.38999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3888.21999999999979991116560995578765869140625,"totalInterest":16.1700000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3904.38999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $368,294.00 (Loan Amount)","points":0.125,"amount":460.3700000000000045474735088646411895751953125,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-460.3700000000000045474735088646411895751953125,"adjustedPoints":-0.125,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":3951.489999999999781721271574497222900390625,"miPayment":0,"points":-0.125,"amount":-460.3700000000000045474735088646411895751953125,"totalPrincipal":368294,"totalInterest":105884.669999999998253770172595977783203125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-460.3700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3951.489999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3951.489999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364359.849999999976716935634613037109375,"totalInterest":105867.460000000006402842700481414794921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3951.489999999999781721271574497222900390625},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3951.36000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3934.15000000000009094947017729282379150390625,"totalInterest":17.21000000000000085265128291212022304534912109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3951.36000000000012732925824820995330810546875}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $368,294.00 (Loan Amount)","points":-0.125,"amount":-460.3700000000000045474735088646411895751953125,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]}  
[2026-01-23 03:39:40] local.INFO: ----------------result data--------------{"result":[{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":460.3700000000000045474735088646411895751953125,"adjustedPoints":0.125,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":3904.53000000000020008883439004421234130859375,"miPayment":0,"points":0.125,"amount":460.3700000000000045474735088646411895751953125,"totalPrincipal":368294,"totalInterest":100249.460000000006402842700481414794921875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":460.3700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3904.53000000000020008883439004421234130859375,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3904.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364405.78000000002793967723846435546875,"totalInterest":100233.289999999993597157299518585205078125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3904.53000000000020008883439004421234130859375},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3904.38999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3888.21999999999979991116560995578765869140625,"totalInterest":16.1700000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3904.38999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $368,294.00 (Loan Amount)","points":0.125,"amount":460.3700000000000045474735088646411895751953125,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-460.3700000000000045474735088646411895751953125,"adjustedPoints":-0.125,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":3951.489999999999781721271574497222900390625,"miPayment":0,"points":-0.125,"amount":-460.3700000000000045474735088646411895751953125,"totalPrincipal":368294,"totalInterest":105884.669999999998253770172595977783203125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-460.3700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3951.489999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3951.489999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364359.849999999976716935634613037109375,"totalInterest":105867.460000000006402842700481414794921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3951.489999999999781721271574497222900390625},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3951.36000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3934.15000000000009094947017729282379150390625,"totalInterest":17.21000000000000085265128291212022304534912109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3951.36000000000012732925824820995330810546875}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $368,294.00 (Loan Amount)","points":-0.125,"amount":-460.3700000000000045474735088646411895751953125,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]}  
[2026-01-23 03:39:40] local.INFO: LRNST (Lower interest cost) - Lender Price API response received for LRNST {"response":{"Illuminate\\Support\\Collection":[{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":460.3700000000000045474735088646411895751953125,"adjustedPoints":0.125,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":3904.53000000000020008883439004421234130859375,"miPayment":0.0,"points":0.125,"amount":460.3700000000000045474735088646411895751953125,"totalPrincipal":368294.0,"totalInterest":100249.460000000006402842700481414794921875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294.0,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742.0,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":460.3700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC 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: -0.125 (Points) x $368,294.00 (Loan Amount)","points":-0.125,"amount":-460.3700000000000045474735088646411895751953125,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]}} 
[2026-01-23 03:39:40] local.INFO: Starting processApiResponseforLRNST {"user_id":1122,"property_id":1173,"remaining_term":180} 
[2026-01-23 03:39:40] local.INFO: Processing API response {"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":460.3700000000000045474735088646411895751953125,"adjustedPoints":0.125,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":3904.53000000000020008883439004421234130859375,"miPayment":0.0,"points":0.125,"amount":460.3700000000000045474735088646411895751953125,"totalPrincipal":368294.0,"totalInterest":100249.460000000006402842700481414794921875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294.0,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742.0,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":460.3700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3904.53000000000020008883439004421234130859375,"mi":0.0,"monthlyPayments":[{"stdClass":{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3904.53000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364405.78000000002793967723846435546875,"totalInterest":100233.289999999993597157299518585205078125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3904.53000000000020008883439004421234130859375}},{"stdClass":{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3904.38999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3888.21999999999979991116560995578765869140625,"totalInterest":16.1700000000000017053025658242404460906982421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3904.38999999999987267074175179004669189453125}}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"stdClass":{"line":"","description":"Origination : 0.125 (Points) x $368,294.00 (Loan Amount)","points":0.125,"amount":460.3700000000000045474735088646411895751953125,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}}]}} 
[2026-01-23 03:39:40] local.INFO: Calculated financials {"current_loan_balance":368294.0,"current_monthly_payment":3285.0} 
[2026-01-23 03:39:40] local.INFO: Interest Savings Calculation {"property_id":null,"interest_savings":122756.0,"current_monthly_payment":3285.0,"remainingTerm":180,"current_loan_balance":368294.0,"old_interest":223006.0,"new_interest":100250.0} 
[2026-01-23 03:39:40] local.INFO: Storing alert for lower rate, not same term {"new_rate":4.9900000000000002131628207280300557613372802734375,"new_term":120} 
[2026-01-23 03:39:40] local.INFO: Starting storeAlert {"user_id":1122,"property_id":1173,"remaining_term":180,"alert_type":"lower_rate_not_same_term"} 
[2026-01-23 03:39:40] local.INFO: Interest Savings Calculation {"property_id":null,"interest_savings":122756.0,"current_monthly_payment":3285.0,"remainingTerm":180,"current_loan_balance":368294.0,"old_interest":223006.0,"new_interest":100249.460000000006402842700481414794921875} 
[2026-01-23 03:39:40] local.INFO: Total Savings Calculation {"proposed_interest_cost":100249.6000000000349245965480804443359375,"total_saving":122756.3999999999650754034519195556640625} 
[2026-01-23 03:39:40] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 368294  
[2026-01-23 03:39:40] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 368294, onePercent - 3682.94  
[2026-01-23 03:39:40] local.INFO:  ---------------- in store alert margin- 3682.94  
[2026-01-23 03:39:40] local.INFO:  ---------------- in store alert cost_or_credit- 5638.31  
[2026-01-23 03:39:40] local.INFO:  ---------------- in store alert cost_or_credit- 5638.31  
[2026-01-23 03:39:40] local.INFO: Storing alert for user {"user_id":1122,"new_rate":4.9900000000000002131628207280300557613372802734375,"new_term":120} 
[2026-01-23 03:39:40] local.INFO: Successfully stored alert {"user_id":1122} 
[2026-01-23 03:39:40] local.INFO: Processing API response {"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-460.3700000000000045474735088646411895751953125,"adjustedPoints":-0.125,"adjustmentPoints":-2.04999999999999982236431605997495353221893310546875,"monthlyPayment":3951.489999999999781721271574497222900390625,"miPayment":0.0,"points":-0.125,"amount":-460.3700000000000045474735088646411895751953125,"totalPrincipal":368294.0,"totalInterest":105884.669999999998253770172595977783203125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":368294.0,"term":10,"baseRates":5.25,"fico":742.0,"apr":5.25,"finalClosingCost":-460.3700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3951.489999999999781721271574497222900390625,"mi":0.0,"monthlyPayments":[{"stdClass":{"start":1,"end":119,"rate":5.25,"monthlyPI":-3951.489999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364359.849999999976716935634613037109375,"totalInterest":105867.460000000006402842700481414794921875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3951.489999999999781721271574497222900390625}},{"stdClass":{"start":120,"end":120,"rate":5.25,"monthlyPI":-3951.36000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3934.15000000000009094947017729282379150390625,"totalInterest":17.21000000000000085265128291212022304534912109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3951.36000000000012732925824820995330810546875}}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"stdClass":{"line":"","description":"Origination : -0.125 (Points) x $368,294.00 (Loan Amount)","points":-0.125,"amount":-460.3700000000000045474735088646411895751953125,"type":"Origination","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,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}}]}} 
[2026-01-23 03:39:40] local.INFO: Calculated financials {"current_loan_balance":368294.0,"current_monthly_payment":3285.0} 
[2026-01-23 03:39:40] local.INFO: Interest Savings Calculation {"property_id":null,"interest_savings":117121.0,"current_monthly_payment":3285.0,"remainingTerm":180,"current_loan_balance":368294.0,"old_interest":223006.0,"new_interest":105885.0} 
[2026-01-23 03:39:40] local.INFO: Storing alert for lower rate, not same term {"new_rate":5.25,"new_term":120} 
[2026-01-23 03:39:40] local.INFO: Starting storeAlert {"user_id":1122,"property_id":1173,"remaining_term":180,"alert_type":"lower_rate_not_same_term"} 
[2026-01-23 03:39:40] local.INFO: Interest Savings Calculation {"property_id":null,"interest_savings":117121.0,"current_monthly_payment":3285.0,"remainingTerm":180,"current_loan_balance":368294.0,"old_interest":223006.0,"new_interest":105884.669999999998253770172595977783203125} 
[2026-01-23 03:39:40] local.INFO: Total Savings Calculation {"proposed_interest_cost":105884.7999999999883584678173065185546875,"total_saving":117121.2000000000116415321826934814453125} 
[2026-01-23 03:39:40] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 368294  
[2026-01-23 03:39:40] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 368294, onePercent - 3682.94  
[2026-01-23 03:39:40] local.INFO:  ---------------- in store alert margin- 3682.94  
[2026-01-23 03:39:40] local.INFO:  ---------------- in store alert cost_or_credit- 4717.57  
[2026-01-23 03:39:40] local.INFO:  ---------------- in store alert cost_or_credit- 4717.57  
[2026-01-23 03:39:40] local.INFO: Storing alert for user {"user_id":1122,"new_rate":5.25,"new_term":120} 
[2026-01-23 03:39:40] local.INFO: Successfully stored alert {"user_id":1122} 
[2026-01-23 03:39:40] local.INFO: Completed processApiResponseforLRNST {"user_id":1122} 
[2026-01-23 03:39:40] local.INFO: LRNST (Lower interest cost) - Completed lowerRateNotSameTermAlerts process  
[2026-01-23 04:37:18] local.INFO: Admin login successful: melissa@praxislendingsolutions.com  
[2026-01-23 04:55:24] local.WARNING: Admin login failed: Invalid credentials (melissa@praxislendingsolutions.com)  
[2026-01-23 04:55:50] local.INFO: Admin login successful: melissa@praxislendingsolutions.com  
[2026-01-23 05:03:51] local.INFO: Admin login successful: melissa@praxislendingsolutions.com  
[2026-01-23 05:09:26] local.INFO: Admin login successful: melissa@praxislendingsolutions.com  
[2026-01-23 05:30:12] local.INFO: Admin login successful: melissa@praxislendingsolutions.com  
[2026-01-23 21:32:09] local.INFO: Admin login successful: melissa@praxislendingsolutions.com  
[2026-01-23 21:32:56] local.INFO: Admin login successful: melissa@praxislendingsolutions.com  
[2026-01-23 21:33:29] local.INFO: Admin login successful: melissa@praxislendingsolutions.com  
[2026-01-23 21:40:02] local.INFO: Admin login successful: melissa@praxislendingsolutions.com