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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Wholesale Ratesheet"]
[]
[null,null,null,null,null,null,null,"19000 MacArthur Blvd, Suite 300",null,null,null,null,null,null,null,"30 Day Lock Period"]
[null,null,null,null,null,null,null,"Irvine, CA 92612",null,null,null,null,null,"Borrower Paid Compensation"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Effective Date:","2024-05-01"]
["Closed End Seconds",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Calculator does not verify eligibility.\nPlease use in conjunction with product matrix."]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inputs",{"$f":"O5","v":"2024-05-01"}]
["Base Rate / Base Price",null,null,null,null,"FICO/HCLTV Price Adjustments",null,null,null,null,null,null,null,null,null,null,null," Interest Rate →",null,0]
["Rate","Full Doc","Alt Doc",null,null,null,null,"HCLTV 00.01-50","HCLTV 50.01-55","HCLTV 55.01-60","HCLTV 60.01-65","HCLTV 65.01-70","HCLTV 70.01-75","HCLTV 75.01-80","HCLTV 80.01-85","HCLTV 85.01-90",null,"LTV Range",null,"Choose a Selection"]
[8.25,98.375,{"$error":"#N/A"},null,null,"≥ 800",null,0.375,0.25,0.125,-0.125,-0.25,-0.75,-1.625,-3.5,{"$error":"#N/A"},null,"FICO Range",null,"Choose a Selection",{"$f":"IF(T11=\"Choose a Selection\",0,IF(OR(T10='Feed(WS)'!B3:B5),INDEX(H11:H18,MATCH(T11,F11:F18,0)),INDEX(H11:P18,MATCH(T11,F11:F18,0),MATCH(T10,H10:P10,0))))","v":0}]
[8.375,98.625,{"$error":"#N/A"},null,null,"780 - 799",null,0.25,0.125,-0.125,-0.25,-0.375,-1,-1.875,-3.75,{"$error":"#N/A"},null,"Loan Program",null,"Choose a Selection",{"$f":"IF(T12=\"Choose a Selection\",0,INDEX($L$21:$L$22,MATCH($T$12,$J$21:$J$22,0)))","v":0}]
[8.5,98.875,98.375,null,null,"760 - 779",null,0.125,-0.125,-0.25,-0.375,-0.625,-1.375,-2.125,-4.25,{"$error":"#N/A"},null,"Doc Type",null,"Choose a Selection",{"$f":"IF(OR(T13=\"Choose a Selection\",T13='Feed(WS)'!C4,T13='Feed(WS)'!C5,T13='Feed(WS)'!C6),0,INDEX($H$22:$H$40,MATCH($T$13,$F$22:$F$40,0)))","v":0},{"$f":"'Feed(WS)'!B64","v":0}]
[8.625,99.125,98.625,null,null,"740 - 759",null,-0.125,-0.25,-0.375,-0.625,-1.125,-1.625,-2.75,-5.25,{"$error":"#N/A"},null,"Additional Adjustments",null,"Choose a Selection",{"$f":"IF(OR(T14=\"Choose a Selection\",T14='Feed(WS)'!D3),0,INDEX($H$22:$H$40,MATCH($T$14,$F$22:$F$40,0)))","v":0}]
[8.75,99.375,98.875,null,null,"720 - 739",null,-0.25,-0.375,-0.875,-1.125,-1.5,-2,-3.5,-6.5,{"$error":"#N/A"},null,"Citizenships",null,"Choose a Selection",{"$f":"IF(T15=\"Choose a Selection\",0,IF(OR(T15='Feed(WS)'!L3:L5),0,INDEX($H$22:$H$40,MATCH($T$15,$F$22:$F$40,0))))","v":0}]
[8.875,99.625,99.125,null,null,"700 - 719",null,-1,-1.25,-1.75,-2.25,-2.625,-2.875,-5,-7.75,{"$error":"#N/A"},null,"DTI",null,"Choose a Selection",{"$f":"IF(T16=\"Choose a Selection\",0,IF(OR(T16='Feed(WS)'!E6),0,INDEX($H$22:$H$40,MATCH($T$16,$F$22:$F$40,0))))","v":0}]
[9,99.875,99.375,null,null,"680 - 699",null,-2.5,-2.75,-3.25,-3.75,-4,-4.75,-7.25,{"$error":"#N/A"},{"$error":"#N/A"},null,"Loan Balance",null,"Choose a Selection",{"$f":"IF(OR(T17=\"Choose a Selection\",T17='Feed(WS)'!F3),0,INDEX($H$22:$H$40,MATCH($T$17,$F$22:$F$40,0)))","v":0}]
[9.125,100.125,99.625,null,null,"660 - 679",null,-3.5,-3.75,-4.25,-4.75,-5,-6.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Occupancy",null,"Choose a Selection",{"$f":"IF(T18=\"Choose a Selection\",0,IF(OR(T18='Feed(WS)'!I3),0,INDEX($H$22:$H$40,MATCH($T$18,$F$22:$F$40,0))))","v":0}]
[9.25,100.375,99.875,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property Type",null,"Choose a Selection",{"$f":"IF(T19=\"Choose a Selection\",0,IF(OR(T19='Feed(WS)'!H3),0,INDEX($H$22:$H$40,MATCH($T$19,$F$22:$F$40,0))))","v":0}]
[9.375,100.625,100.125,null,null,"Loan Level Price Adjustments",null,null,null,"Loan Program",null,null,null,"Max Price",null,null,null,"Loan Term",null,"30YR Fixed",{"$f":"INDEX($L$25:$L$27,MATCH($T$20,$J$25:$J$27,0))","v":0}]
[9.5,100.875,100.375,null,null,null,null,"LLPA",null,"Standalone Second",null,0,null,102,null,null,null,"State",null,"Choose a Selection",0]
[9.625,101.375,100.875,null,null,"Select Full Doc",null,1,null,"Concurrent Second",null,0,null,null,null,null,null,"Credit Event",null,"Choose a Selection",0]
[9.75,101.875,101.375,null,null,"Investment Property",null,-4,null,null,null,null,null,"NC Floor Price",null,null,null,"Housing History",null,"Choose a Selection",0]
[9.875,102.375,101.875,null,null,"Second Home",null,-1,null,"Loan Term",null,null,null,99.75,null,null,null,"Lock Term",null,"30 Day",{"$f":"INDEX($L$30:$L$32,MATCH($T$24,$J$30:$J$32,0))","v":0}]
[10,102.875,102.375,null,null,"2 - 4 Units",null,-0.5,null,"30YR Fixed",null,0,null,null,null,null,null,{"$f":"IF(U25=0,\"\",IF(U25=0.25,\"CES Special\",\"CES/State Special\"))","v":""},null,{"$f":"IF(U25=0,\"Not Applicable\",\"Yes\")","v":"Not Applicable"},{"$f":"IF(T10<>\"Choose a Selection\",IF(OR(T21='Feed(WS)'!N3,T21='Feed(WS)'!N5:N6),0.5,0.25),0)","v":0}]
[10.125,103.125,102.625,null,null,"Condo",null,-0.5,null,"20YR Fixed",null,0.125,null,"Max Rate (CA)",null,null,null,"  Total LLPA",null,null,{"$f":"SUM(U11:U25)+V13","v":0}]
[10.25,103.375,102.875,null,null,"$100,001-$125,000",null,0.25,null,"10YR Fixed",null,0.125,null,12.25,null,null,null,"  Gross Rate Sheet Price (Prior to LLPAs)",null,null,{"$f":"INDEX(A10:D55,MATCH(T9,A10:A55,0),MATCH(IF(T13='Feed(WS)'!C3,'Feed(WS)'!C4,T13),B10:D10,0)+1)","v":{"$error":"#N/A"}}]
[10.375,103.625,103.125,null,null,"$125,001-$150,000",null,0.375,null,null,null,null,null,null,null,null,null,"  Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)",null,null,{"$f":"IFERROR(IF(AND(T9<>'Feed(WS)'!K137,U29=N24),NA(),U27+U26),\"Minimum Rate\")","v":"Minimum Rate"}]
[10.5,103.875,103.375,null,null,"$150,001-$350,000",null,0.5,null,"Lock Days",null,null,null,"CES SPECIAL",null,null,null,"  Max YSP",null,null,{"$f":"'Feed(WS)'!E136","v":0}]
[10.625,104.125,103.625,null,null,"$350,001-$500,000",0,0.5,null,"15 Day",null,0,null,"25 BPS on all CES Loans\n*Can be combined with Select",null,null,null,"Final Price  →",null,null,{"$f":"IF(OR(U26=\"#NA\",U27=\"#NA\",U28=\"Minimum Rate\"),NA(),IF(AND(IF(U28>U29,U29,U28)<'Feed(WS)'!E147,T21='Feed(WS)'!N5),NA(),IF(U28>U29,U29,U28)))","v":{"$error":"#N/A"}}]
[10.75,104.375,103.875,null,null,"$500,001-$750,000",0,0,null,"30 Day",null,0,null,null,null,null,null,"• Borrower Paid Compensation Only, Max 2.000%\n• No Underwriting Fee Buyout"]
[10.875,104.625,104.125,null,null,"Asset Utilization",0,-0.5,null,"45 Day",null,-0.5,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(T10:T24=\"Choose a Selection\"),\"\",CONCATENATE('Feed(WS)'!I137,\" \",'Feed(WS)'!K137,\"%\"&\" @ \"&'Feed(WS)'!L137))","v":""}]
[11,104.875,104.375,null,null,"1099 Only",0,-0.5]
[11.125,105.125,104.625,null,null,"WVOE Only",0,-0.5,null,"Allowable Fees",null,null,null,"STATE SPECIAL"]
[11.25,105.375,104.875,null,null,"1yr Self Employed",0,-0.5,null,"Click Here",null,null,null,"25 BPS on all CES Loans\n*Excludes California\n*Can be combined with CES Special and Select\n*Ends at the end of May"]
[11.375,105.625,105.125,null,null,"ITIN",null,-2.5]
[11.5,105.875,105.375,null,null,"Foreign Nat' With Fico",null,-1.5,null,null,null,null,null,null,null,null,null,"Temporary Guidance See Below\nExtension Cost\n\n2 bps / day\nExtension Cost\n\nCurrent lock extension costs/policies apply to all active locks, regardless of lock date\n\nAll 45 day locks are at a 50bp cost and are not eligible for lock extensions\n"]
[11.625,106.125,105.625,null,null,"DTI 00.01-43",null,0]
[11.75,106.375,105.875,null,null,"DTI 43.01-45",null,-0.5]
[11.875,106.625,106.125,null,null,"DTI 45.01-50",0,-1]
[12,106.875,106.375]
[12.125,107.125,106.625]
[12.25,107.375,106.875]
[12.375,107.625,107.125]
[12.5,107.875,107.375]
[12.625,108,107.5]
[12.75,108.125,107.625]
[12.875,108.25,107.75]
[13,108.375,107.875]
[13.125,108.5,108]
[13.25,108.625,108.125]
[13.375,108.75,108.25]
[13.5,108.875,108.375]
[13.625,109,108.5]
[13.75,109.125,108.625]

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["FICO","LTV","Doc Type","Additional Adjustments","DTI","Loan Amount","Prepayment Penalties","Property Type","Occupancy","Term","Lock Period","Citizenships","Loan Program","State","Credit Event","Housing History"]
["Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection"]
["≥ 800","HCLTV 00.01-40","Select Full Doc","None in this Dropdown","DTI 00.01-43",{"$f":"100000","v":100000},"No PPP","1 Unit","Primary","30YR Fixed","15 Day","US Citizen","Standalone Second","All Other States","Credit Event < 48 Months","0x30x12",null,null,null,null,null,null," "]
["780 - 799","HCLTV 40.01-45","Full Doc","Asset Utilization","DTI 43.01-45","$100,001-$125,000","12 Months","2 - 4 Units","Second Home","20YR Fixed","30 Day","Permanent Resident","Concurrent Second","California","Credit Event ≥ 48 and < 84 Months","0x30x24",null,null,null,null,null,null," "]
["760 - 779","HCLTV 45.01-50","Alt Doc","1099 Only","DTI 45.01-50","$125,001-$150,000","24 Months","Condo","Investment Property","10YR Fixed","45 Day","Non Perm Resident",null,"North Carolina","Credit Event ≥ 84 Months","Other",null,null,null,null,null,null," "]
["740 - 759","HCLTV 50.01-55","DSCR","WVOE Only","No DTI Program","$150,001-$350,000",null,null,null,null,null,"ITIN",null,"Tennessee",null,null,null,null,null,null,null,null," "]
["720 - 739","HCLTV 55.01-60",null,"1yr Self Employed",null,"$350,001-$500,000",null,null,null,null,null,"Foreign Nat' With Fico",null,null,null,null,null,null,null,null,null,null," "]
["700 - 719","HCLTV 60.01-65",null,"DSCR - STR",null,"$500,001-$750,000",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["680 - 699","HCLTV 65.01-70",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["660 - 679","HCLTV 70.01-75",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"HCLTV 75.01-80"]
[null,"HCLTV 80.01-85",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"HCLTV 85.01-90",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Disqualifiers",null,null,null,"Full Doc Disqualifiers",null,"Alt Doc Disqualifiers",null,"Select Full Doc Disqualifiers",null,"DSCR Disqualifiers",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["NAs on DTI >45% on LTVs>80%",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T10=B12:B13),'Closed End Seconds (FL)'!T16=E5),NA(),\"\")","v":""},null,null,"NAs on Primary/100k-350k/LTVs>85%/FICOs<720",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I3),OR('Closed End Seconds (FL)'!T10=B13),OR('Closed End Seconds (FL)'!T11=A8:A10)),NA(),\"\")","v":""},"NAs on Primary/100k-350k/LTVs>85%",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I3),OR('Closed End Seconds (FL)'!T10=B13),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""},"NAs on Primary/100k-350k/LTVs>80%/All FICOs",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I3),OR('Closed End Seconds (FL)'!T10=B12:B13),OR('Closed End Seconds (FL)'!T11=A3:A10),OR('Closed End Seconds (FL)'!T13=C3)),NA(),\"\")","v":""},"NAs on NOO/100k-350k/LTVs>75%",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B11:B13),OR('Closed End Seconds (FL)'!T13=C6)),NA(),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,"NAs on Primary/100k-350k/LTVs>80%/FICOs<700",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I3),OR('Closed End Seconds (FL)'!T10=B12:B13),OR('Closed End Seconds (FL)'!T11=A9:A10)),NA(),\"\")","v":""},"NAs on Primary/100k-350k/LTVs>80%/FICOs<720",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I3),OR('Closed End Seconds (FL)'!T10=B12:B13),OR('Closed End Seconds (FL)'!T11=A8:A10),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""},"NAs on Primary/100k-350k/LTVs>75%/FICOs<700",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I3),OR('Closed End Seconds (FL)'!T10=B11:B13),OR('Closed End Seconds (FL)'!T11=A9:A10),OR('Closed End Seconds (FL)'!T13=C3)),NA(),\"\")","v":""},"NAs on NOO/100k-350k/LTVs>70%/FICOs<720",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B10:B13),OR('Closed End Seconds (FL)'!T11=A8:A10),OR('Closed End Seconds (FL)'!T13=C6)),NA(),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Nas on TN state",{"$f":"IF('Closed End Seconds (FL)'!T21=N6,NA(),\"\")","v":""},null,null,"NAs on Primary/100k-350k/LTVs>75%/FICOs<680",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I3),OR('Closed End Seconds (FL)'!T10=B11:B13),OR('Closed End Seconds (FL)'!T11=A10)),NA(),\"\")","v":""},"NAs on Primary/100k-350k/LTVs>75%/FICOs<700",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I3),OR('Closed End Seconds (FL)'!T10=B11:B13),OR('Closed End Seconds (FL)'!T11=A9:A10),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""},"NAs on Primary/350k-500k/LTVs>75%",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I3),OR('Closed End Seconds (FL)'!T10=B11:B13),OR('Closed End Seconds (FL)'!T13=C3)),NA(),\"\")","v":""},"NAs on NOO/100k-350k/LTVs>65%/FICOs<700",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B9:B13),OR('Closed End Seconds (FL)'!T11=A9:A10),OR('Closed End Seconds (FL)'!T13=C6)),NA(),\"\")","v":""}]
["2-4 Units/Condo NAs LTVs>75%",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T10=B11:B13),OR('Closed End Seconds (FL)'!T19=H4:H5)),NA(),\"\")","v":""},null,null,"NAs on Primary/350k-500k/LTVs>80%",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I3),OR('Closed End Seconds (FL)'!T10=B12:B13)),NA(),\"\")","v":""},"NAs on Primary/100k-350k/LTVs>70%/FICOs<680",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I3),OR('Closed End Seconds (FL)'!T10=B10:B13),OR('Closed End Seconds (FL)'!T11=A10),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""},"NAs on Primary/350k-500k/FICOs<720",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I3),OR('Closed End Seconds (FL)'!T11=A8:A10),OR('Closed End Seconds (FL)'!T13=C3)),NA(),\"\")","v":""},"NAs on NOO/100k-350k/LTVs>60%/FICOs<680",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B8:B13),OR('Closed End Seconds (FL)'!T11=A10),OR('Closed End Seconds (FL)'!T13=C6)),NA(),\"\")","v":""}]
["NAs on 2nd Home/2-4 Units",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T18=I4),OR('Closed End Seconds (FL)'!T19=H4)),NA(),\"\")","v":""},null,null,"NAs on Primary/350k-500k/LTVs>75%/FICOs<700",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I3),OR('Closed End Seconds (FL)'!T10=B11:B13),OR('Closed End Seconds (FL)'!T11=A9:A10)),NA(),\"\")","v":""},"NAs on Primary/350k-500k/LTVs>75%",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I3),OR('Closed End Seconds (FL)'!T10=B11:B13),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""},"NAs on Primary/>500k/FICOs<720",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F8),OR('Closed End Seconds (FL)'!T18=I3),OR('Closed End Seconds (FL)'!T11=A8:A10),OR('Closed End Seconds (FL)'!T13=C3)),NA(),\"\")","v":""},"NAs on NOO/350k-500k/LTVs>65%",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B9:B13),OR('Closed End Seconds (FL)'!T13=C6)),NA(),\"\")","v":""}]
["Nas Select Credit Event ≥ 48 and < 84 Months",{"$f":"IF(AND('Closed End Seconds (FL)'!T13=C3,'Closed End Seconds (FL)'!T22=O4),NA(),\"\")","v":""},null,null,"NAs on Primary/350k-500k/LTVs>70%/FICOs<680",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I3),OR('Closed End Seconds (FL)'!T10=B10:B13),OR('Closed End Seconds (FL)'!T11=A10)),NA(),\"\")","v":""},"NAs on Primary/350k-500k/LTVs>70%/FICOs<740",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I3),OR('Closed End Seconds (FL)'!T10=B10:B13),OR('Closed End Seconds (FL)'!T11=A7:A10),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""},"NAs on all other Doc types/>500k",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F8),OR('Closed End Seconds (FL)'!T13=C4:C6)),NA(),\"\")","v":""},"NAs on NOO/350k-500k/LTVs>60%/FICOs<720",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B8:B13),OR('Closed End Seconds (FL)'!T11=A8:A10),OR('Closed End Seconds (FL)'!T13=C6)),NA(),\"\")","v":""}]
["NAs Credit Event < 48 Months",{"$f":"IF('Closed End Seconds (FL)'!T22=O3,NA(),\"\")","v":""},null,null,"NAs on NOO/100k-350k/LTVs>80%",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B12:B13)),NA(),\"\")","v":""},"NAs on Primary/350k-500k/LTVs>65%/FICOs<700",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I3),OR('Closed End Seconds (FL)'!T10=B9:B13),OR('Closed End Seconds (FL)'!T11=A9:A10),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""},"2-4 Units/ NAs LTVs>65%",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T10=B9:B13),OR('Closed End Seconds (FL)'!T19=H4),OR('Closed End Seconds (FL)'!T17=F8)),NA(),\"\")","v":""},"NAs on NOO/350k-500k/LTVs>55%/FICOs<700",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B7:B13),OR('Closed End Seconds (FL)'!T11=A9:A10),OR('Closed End Seconds (FL)'!T13=C6)),NA(),\"\")","v":""}]
["Nas Select on 0x30x12",{"$f":"IF(AND('Closed End Seconds (FL)'!T13=C3,'Closed End Seconds (FL)'!T23=P3),NA(),\"\")","v":""},null,null,"NAs on NOO/100k-350k/LTVs>75%/FICOs<700",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B11:B13),OR('Closed End Seconds (FL)'!T11=A9:A10)),NA(),\"\")","v":""},"NAs on Primary/350k-500k/LTVs>60%/FICOs<680",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I3),OR('Closed End Seconds (FL)'!T10=B8:B13),OR('Closed End Seconds (FL)'!T11=A10),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""},null,null,"NAs on NOO/350k-500k/LTVs>50%/FICOs<680",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B6:B13),OR('Closed End Seconds (FL)'!T11=A10),OR('Closed End Seconds (FL)'!T13=C6)),NA(),\"\")","v":""}]
["Nas on other for Housing History",{"$f":"IF('Closed End Seconds (FL)'!T23=P5,NA(),\"\")","v":""},null,null,"NAs on NOO/100k-350k/LTVs>70%/FICOs<680",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B10:B13),OR('Closed End Seconds (FL)'!T11=A10)),NA(),\"\")","v":""},"NAs on NOO/100k-350k/LTVs>75%",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B11:B13),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""}]
["NA for Max Rate",{"$f":"IF(E143=\"\",\"\",IF('Closed End Seconds (FL)'!T9>E143,NA(),\"\"))","v":""},null,null,"NAs on NOO/350k-500k/LTVs>75%",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B11:B13)),NA(),\"\")","v":""},"NAs on NOO/100k-350k/LTVs>70%/FICOs<720",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B10:B13),OR('Closed End Seconds (FL)'!T11=A8:A10),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""}]
[null,null,null,null,"NAs on NOO/350k-500k/LTVs>70%/FICOs<720",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B10:B13),OR('Closed End Seconds (FL)'!T11=A8:A10)),NA(),\"\")","v":""},"NAs on NOO/100k-350k/LTVs>65%/FICOs<700",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B9:B13),OR('Closed End Seconds (FL)'!T11=A9:A10),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""}]
[null,null,null,null,"NAs on NOO/350k-500k/LTVs>65%/FICOs<700",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B9:B13),OR('Closed End Seconds (FL)'!T11=A9:A10)),NA(),\"\")","v":""},"NAs on NOO/100k-350k/LTVs>60%/FICOs<680",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B8:B13),OR('Closed End Seconds (FL)'!T11=A10),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""},"NAs NOO and Second Home",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T13=C3),OR('Closed End Seconds (FL)'!T18=I4:I5)),NA(),\"\")","v":""}]
[null,null,null,null,"NAs on NOO/350k-500k/LTVs>60%/FICOs<680",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B8:B13),OR('Closed End Seconds (FL)'!T11=A10)),NA(),\"\")","v":""},"NAs on NOO/350k-500k/LTVs>65%",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B9:B13),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""},"NAs 2-4 Units",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T13=C3),OR('Closed End Seconds (FL)'!T19=H4)),NA(),\"\")","v":""}]
[null,null,null,null,"NAs on 2nd Home/100k-350k/LTVs>80%",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I4),OR('Closed End Seconds (FL)'!T10=B12:B13)),NA(),\"\")","v":""},"NAs on NOO/350k-500k/LTVs>60%/FICOs<720",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B8:B13),OR('Closed End Seconds (FL)'!T11=A8:A10),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""},"NAs Concurrent",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T13=C3),OR('Closed End Seconds (FL)'!T12=M4)),NA(),\"\")","v":""}]
[null,null,null,null,"NAs on 2nd Home/100k-350k/LTVs>75%/FICOs<700",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I4),OR('Closed End Seconds (FL)'!T10=B11:B13),OR('Closed End Seconds (FL)'!T11=A9:A10)),NA(),\"\")","v":""},"NAs on NOO/350k-500k/LTVs>55%/FICOs<700",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B7:B13),OR('Closed End Seconds (FL)'!T11=A9:A10),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""},"Nas on <680 FICO",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T11=A10),OR('Closed End Seconds (FL)'!T13=C3)),NA(),\"\")","v":""}]
[null,null,null,null,"NAs on 2nd Home/100k-350k/LTVs>60%/FICOs<680",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I4),OR('Closed End Seconds (FL)'!T10=B8:B13),OR('Closed End Seconds (FL)'!T11=A10)),NA(),\"\")","v":""},"NAs on NOO/350k-500k/LTVs>50%/FICOs<680",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I5),OR('Closed End Seconds (FL)'!T10=B6:B13),OR('Closed End Seconds (FL)'!T11=A10),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""}]
[null,null,null,null,"NAs on 2nd Home/350k-500k/LTVs>70%",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I4),OR('Closed End Seconds (FL)'!T10=B10:B13)),NA(),\"\")","v":""},"NAs on 2nd Home/100k-350k/LTVs>75%",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I4),OR('Closed End Seconds (FL)'!T10=B11:B13),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""}]
[null,null,null,null,"NAs on 2nd Home/350k-500k/LTVs>65%/FICOs<700",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I4),OR('Closed End Seconds (FL)'!T10=B9:B13),OR('Closed End Seconds (FL)'!T11=A9:A10)),NA(),\"\")","v":""},"NAs on 2nd Home/100k-350k/LTVs>70%/FICOs<720",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I4),OR('Closed End Seconds (FL)'!T10=B10:B13),OR('Closed End Seconds (FL)'!T11=A8:A10),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""}]
[null,null,null,null,"NAs on 2nd Home/350k-500k/LTVs>60%/FICOs<680",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I4),OR('Closed End Seconds (FL)'!T10=B8:B13),OR('Closed End Seconds (FL)'!T11=A10)),NA(),\"\")","v":""},"NAs on 2nd Home/100k-350k/LTVs>65%/FICOs<700",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I4),OR('Closed End Seconds (FL)'!T10=B9:B13),OR('Closed End Seconds (FL)'!T11=A9:A10),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""}]
[null,null,null,null,null,null,"NAs on 2nd Home/100k-350k/LTVs>60%/FICOs<680",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F4:F6),OR('Closed End Seconds (FL)'!T18=I4),OR('Closed End Seconds (FL)'!T10=B8:B13),OR('Closed End Seconds (FL)'!T11=A10),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""}]
[null,null,null,null,null,null,"NAs on 2nd Home/350k-500k/LTVs>65%",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I4),OR('Closed End Seconds (FL)'!T10=B9:B13),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""}]
[null,null,null,null,null,null,"NAs on 2nd Home/350k-500k/LTVs>60%/FICOs<720",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I4),OR('Closed End Seconds (FL)'!T10=B8:B13),OR('Closed End Seconds (FL)'!T11=A8:A10),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""}]
[null,null,null,null,null,null,"NAs on 2nd Home/350k-500k/LTVs>55%/FICOs<700",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I4),OR('Closed End Seconds (FL)'!T10=B7:B13),OR('Closed End Seconds (FL)'!T11=A9:A10),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""}]
[null,null,null,null,null,null,"NAs on 2nd Home/350k-500k/LTVs>50%/FICOs<680",{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T17=F7),OR('Closed End Seconds (FL)'!T18=I4),OR('Closed End Seconds (FL)'!T10=B6:B13),OR('Closed End Seconds (FL)'!T11=A10),OR('Closed End Seconds (FL)'!T13=C5)),NA(),\"\")","v":""}]
[null,{"$f":"IF(AND(OR('Closed End Seconds (FL)'!T10=B11:B12),OR('Closed End Seconds (FL)'!T20=J5:J6,'Closed End Seconds (FL)'!T20=J9,'Closed End Seconds (FL)'!T20=J12)),NA(),\"\")","v":""}]
["Total",{"$f":"SUM(B39:B63)+SUM(F39:F57)+SUM(H39:H62)+SUM(L39:L46)+SUM(J39:J63)+SUM(Z43:Z45)+SUM(AD43)","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Base Rate / Base Price",null,null,null,null,null,null,"Base Rate / Base Price"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,"NAN-Q\n Prequals",null,null,"Phone:","Email Only"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","EZQual@LSMortgage.com"]
[null,null,"Current Turn Times",null,null,null,null,null,null,null,null,null,null,"U/W Loan \nScenarios NAN-Q",null,null,"Phone:","Email Only"]
[null,null,"Stage",null,"Turn Times",null,"Department Hours",null,null,"Cutoff Time",null,null,null,null,null,null,"Email:","NANQScenario@LSMortgage.com"]
[null,null,"PreQual",null,"24-48 Hours",null,"PreQual Desk Hours: 8:00 AM-5:00 PM PST",null,null,"3:00 PM PST",null,null,null,"Submission Desk",null,null,"Phone:","Email Only"]
[null,null,"Set-up",null,"24-48 Hours",null,"Setup Desk Hours: 8:00 AM-6:00 PM PST",null,null,null,null,null,null,null,null,null,"Email:","Submissions_LS@LSMortgage.com"]
[null,null,"New Underwrite",null,"24-48 Hours",null,"Underwriting Hours: 7:00 AM-6:00 PM PST",null,null,"3:00 PM PST",null,null,null,"Lock Desk:",null,null,"Phone:","949-679-7059"]
[null,null,"Conditions Review",null,"24-48 Hours",null,"Underwriting Hours: 7:00 AM-6:00 PM PST",null,null,"3:00 PM PST",null,null,null,null,null,null,"Email:","LockDesk@LSMortgage.com"]
[null,null,"Part \"A\" QC",null,"48-72 Hours",null,"PreQual Desk Hours: 8:00 AM-5:00 PM PST",null,null,"3:30 PM PST",null,null,null,"CD Desk:",null,null,"Phone:","Email Only"]
[null,null,"Lock Desk",null,"SameDay",null,"Lock Desk Hours are: 8:30 AM - 5:00 PM PST",null,null,"5:00 PM PST",null,null,null,null,null,null,"Email:","CD@LSMortgage.com"]
[null,null,"CTC Review",null,"SameDay",null,"Underwriting Hours: 7:00 AM-6:00 PM PST",null,null,"1:00 PM PST",null,null,null,"Funding Department:",null,null,"Phone:","Email Only"]
[null,null,"CD",null,"SameDay",null,"CD Desk Hours: 7:30 AM-6:00 PM PST",null,null,"12:00 PM PST",null,null,null,null,null,null,"Email:","Funding@LSMortgage.com"]
[null,null,"DOCS",null,"SameDay",null,"DOCS Desk Hours: 7:30 AM-6:00 PM PST",null,null,"12:00 PM PST",null,null,null,"Management \nEscalations",null,null,"Name:","David Racer / Operations"]
[null,null,"Funding",null,"SameDay",null,"Funding Desk Hours: 5:30 AM-5:00 PM PST",null,null,"12:30 PM PST",null,null,null,null,null,null,"Email:","DRacer@LSMortgage.com"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Name:","Natalie Hernandez / Closing"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","NHernandez@LSMortgage.com"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Name:","Nikki Allen / Underwriting"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","NAllen@LSMortgage.com"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Name:","Adam Elway / Capital Markets"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","AElway@LSMortgage.com"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Name:","Moe Aziz / Secondary"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","MAziz@LSMortgage.com"]
[]
[]
[]
[]
[null,"RATES AND LLPAs ARE SUBJECT TO CHANGE WITHOUT NOTICE.  "]
[null,"THIS INFORMATION IS INTENDED FOR PROFESSIONAL OR BUSINESS USE ONLY.  NOT FOR CONSUMER DISTRIBUTION."]

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