{
 "generated": "2026-09-07",
 "model_version": "frc-mix-expectation-v1.1",
 "method": "Indirect standardisation on state x amount x income x DTI x CLTV cells (cells n<25 fall back to national). z = (observed - expected)/sqrt(n*p*(1-p)); ratio CI by Byar approximation.",
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   "lender_name": "FAIRWAY INDEPENDENT MORTGAGE CORPORATION",
   "name_source": "GLEIF legal name"
  },
  {
   "lei": "549300GKFNPRWNS0GF29",
   "apps_in_model": 15082,
   "observed_denials": 892,
   "expected_denials": 2155.3,
   "excess_denials": -1263.3,
   "observed_expected_ratio": 0.414,
   "ratio_ci95_low": 0.387,
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   "standardized_residual_z": -29.39,
   "profile_coverage_pct": 92.9,
   "flag": "below_expectation_ci_excludes_1",
   "lender_name": "CMG MORTGAGE, INC.",
   "name_source": "GLEIF legal name"
  },
  {
   "lei": "549300DD4R4SYK5RAQ92",
   "apps_in_model": 12819,
   "observed_denials": 760,
   "expected_denials": 2011.1,
   "excess_denials": -1251.1,
   "observed_expected_ratio": 0.378,
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   "ratio_ci95_high": 0.406,
   "standardized_residual_z": -30.38,
   "profile_coverage_pct": 89.8,
   "flag": "below_expectation_ci_excludes_1",
   "lender_name": "MOVEMENT MORTGAGE, LLC",
   "name_source": "GLEIF legal name"
  },
  {
   "lei": "549300AQ3T62GXDU7D76",
   "apps_in_model": 21690,
   "observed_denials": 1446,
   "expected_denials": 3205.0,
   "excess_denials": -1759.0,
   "observed_expected_ratio": 0.451,
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   "ratio_ci95_high": 0.475,
   "standardized_residual_z": -33.66,
   "profile_coverage_pct": 93.1,
   "flag": "below_expectation_ci_excludes_1",
   "lender_name": "GUILD MORTGAGE COMPANY LLC",
   "name_source": "GLEIF legal name"
  },
  {
   "lei": "549300VZVN841I2ILS84",
   "apps_in_model": 25378,
   "observed_denials": 1568,
   "expected_denials": 4222.4,
   "excess_denials": -2654.4,
   "observed_expected_ratio": 0.371,
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   "ratio_ci95_high": 0.39,
   "standardized_residual_z": -44.74,
   "profile_coverage_pct": 85.8,
   "flag": "below_expectation_ci_excludes_1",
   "lender_name": "CROSSCOUNTRY MORTGAGE, LLC",
   "name_source": "GLEIF legal name"
  }
 ]
}