{
 "guardrail": "Aggregate historical analysis only. No individual scoring function exists or is saved.",
 "records_used": 859090,
 "raw_denial_rate": 0.2188,
 "mcfadden_r2_profile_only": 0.1712,
 "mcfadden_r2_with_lender": 0.276,
 "door_effect_share_of_explained": 0.3797,
 "overlay_residual_top15_strict": [
  {
   "lei": "549300YIQ7S7Z8PIHE53",
   "n": 22927,
   "denials": 18039,
   "actual": 0.787,
   "expected": 0.35,
   "overlay_residual_pp": 43.68,
   "name": "AMERISAVE MORTGAGE COMPANY"
  },
  {
   "lei": "549300NOCASXPA34X033",
   "n": 7931,
   "denials": 5321,
   "actual": 0.671,
   "expected": 0.313,
   "overlay_residual_pp": 35.831,
   "name": "Lakeview Loan Servicing, LLC"
  },
  {
   "lei": "549300ALNLUNS3Y53T24",
   "n": 11062,
   "denials": 7854,
   "actual": 0.71,
   "expected": 0.352,
   "overlay_residual_pp": 35.794,
   "name": "AMERICAN FINANCING CORPORATION"
  },
  {
   "lei": "549300R9S3MVDV4MGF56",
   "n": 14007,
   "denials": 8180,
   "actual": 0.584,
   "expected": 0.297,
   "overlay_residual_pp": 28.674,
   "name": "Carrington Mortgage Services LLC"
  },
  {
   "lei": "549300XY701IELCE5Q08",
   "n": 2354,
   "denials": 1164,
   "actual": 0.494,
   "expected": 0.273,
   "overlay_residual_pp": 22.144,
   "name": "Better Mortgage Corporation"
  },
  {
   "lei": "549300VCMRO4ST680C11",
   "n": 4680,
   "denials": 2608,
   "actual": 0.557,
   "expected": 0.339,
   "overlay_residual_pp": 21.822,
   "name": "Village Capital & Investment"
  },
  {
   "lei": "549300FNXYY540N23N64",
   "n": 19574,
   "denials": 11354,
   "actual": 0.58,
   "expected": 0.376,
   "overlay_residual_pp": 20.402,
   "name": "NEWREZ LLC"
  },
  {
   "lei": "SS1TRMSN6BRNMOREEV51",
   "n": 2861,
   "denials": 1154,
   "actual": 0.403,
   "expected": 0.245,
   "overlay_residual_pp": 15.816,
   "name": "Flagstar Bank NA"
  },
  {
   "lei": "KB1H1DSPRFMYMCUFXT09",
   "n": 2358,
   "denials": 1134,
   "actual": 0.481,
   "expected": 0.339,
   "overlay_residual_pp": 14.238,
   "name": "WELLS FARGO BANK NA"
  },
  {
   "lei": "7H6GLXDRUGQFU57RNE97",
   "n": 2889,
   "denials": 1244,
   "actual": 0.431,
   "expected": 0.299,
   "overlay_residual_pp": 13.2,
   "name": "JPMorgan Chase Bank, NA"
  },
  {
   "lei": "254900M2C4Q6DATP2889",
   "n": 3592,
   "denials": 1349,
   "actual": 0.376,
   "expected": 0.252,
   "overlay_residual_pp": 12.324,
   "name": "AdvantageFirst Lending Inc"
  },
  {
   "lei": "549300KBWX4NV5Q1E376",
   "n": 7334,
   "denials": 2487,
   "actual": 0.339,
   "expected": 0.252,
   "overlay_residual_pp": 8.666,
   "name": "NVR MORTGAGE FINANCE, INC."
  },
  {
   "lei": "EQTWLK1G7ODGC2MGLV11",
   "n": 2427,
   "denials": 977,
   "actual": 0.403,
   "expected": 0.319,
   "overlay_residual_pp": 8.314,
   "name": "REGIONS BANK"
  },
  {
   "lei": "549300AG64NHILB7ZP05",
   "n": 34519,
   "denials": 11933,
   "actual": 0.346,
   "expected": 0.265,
   "overlay_residual_pp": 8.046,
   "name": "loanDepot.com LLC"
  },
  {
   "lei": "549300LYRWPSYPK6S325",
   "n": 21891,
   "denials": 7151,
   "actual": 0.327,
   "expected": 0.249,
   "overlay_residual_pp": 7.717,
   "name": "FREEDOM MORTGAGE CORPORATION"
  }
 ],
 "overlay_residual_top15_lenient": [
  {
   "lei": "549300MHH03ICJYEPE85",
   "n": 5016,
   "denials": 572,
   "actual": 0.114,
   "expected": 0.327,
   "overlay_residual_pp": -21.334,
   "name": "549300MH\u2026"
  },
  {
   "lei": "549300S5YL3OH0IVCS62",
   "n": 7008,
   "denials": 828,
   "actual": 0.118,
   "expected": 0.311,
   "overlay_residual_pp": -19.318,
   "name": "549300S5\u2026"
  },
  {
   "lei": "549300RWXUAFD1WAE410",
   "n": 3145,
   "denials": 113,
   "actual": 0.036,
   "expected": 0.197,
   "overlay_residual_pp": -16.061,
   "name": "ATLANTIC BAY MORTGAGE GROUP"
  },
  {
   "lei": "549300R7HGHP2I754087",
   "n": 3455,
   "denials": 190,
   "actual": 0.055,
   "expected": 0.213,
   "overlay_residual_pp": -15.809,
   "name": "TOWNE MORTGAGE COMPANY"
  },
  {
   "lei": "549300ZZME37MXI1EF14",
   "n": 2595,
   "denials": 122,
   "actual": 0.047,
   "expected": 0.201,
   "overlay_residual_pp": -15.35,
   "name": "DAS ACQUISITION COMPANY, LLC"
  },
  {
   "lei": "549300F8C5JA44WNMI75",
   "n": 3370,
   "denials": 163,
   "actual": 0.048,
   "expected": 0.202,
   "overlay_residual_pp": -15.318,
   "name": "American Neighborhood Mortgage Acceptance Company"
  },
  {
   "lei": "549300T9P3WXNMXX0I34",
   "n": 2468,
   "denials": 165,
   "actual": 0.067,
   "expected": 0.217,
   "overlay_residual_pp": -15.025,
   "name": "Ixonia Bank"
  },
  {
   "lei": "549300DD4R4SYK5RAQ92",
   "n": 14081,
   "denials": 832,
   "actual": 0.059,
   "expected": 0.208,
   "overlay_residual_pp": -14.899,
   "name": "MOVEMENT MORTGAGE, LLC"
  },
  {
   "lei": "549300MCIFZSDHUT8X63",
   "n": 4800,
   "denials": 195,
   "actual": 0.041,
   "expected": 0.181,
   "overlay_residual_pp": -14.086,
   "name": "NFM, INC"
  },
  {
   "lei": "549300RFLICNI75BG067",
   "n": 2005,
   "denials": 146,
   "actual": 0.073,
   "expected": 0.213,
   "overlay_residual_pp": -14.025,
   "name": "Luminate Bank"
  },
  {
   "lei": "549300MGPZBLQDIL7538",
   "n": 17941,
   "denials": 1467,
   "actual": 0.082,
   "expected": 0.22,
   "overlay_residual_pp": -13.838,
   "name": "FAIRWAY INDEPENDENT MORT CORP"
  },
  {
   "lei": "549300VZVN841I2ILS84",
   "n": 27016,
   "denials": 1719,
   "actual": 0.064,
   "expected": 0.199,
   "overlay_residual_pp": -13.521,
   "name": "CROSSCOUNTRY MORTGAGE, LLC"
  },
  {
   "lei": "549300ZWNETGFXTBBY03",
   "n": 2724,
   "denials": 117,
   "actual": 0.043,
   "expected": 0.178,
   "overlay_residual_pp": -13.517,
   "name": "CANOPY MORTGAGE, LLC"
  },
  {
   "lei": "5493002Y5XYV7DV1ZV88",
   "n": 2515,
   "denials": 177,
   "actual": 0.07,
   "expected": 0.204,
   "overlay_residual_pp": -13.407,
   "name": "Gold Star Mortgage Financial Group, Corporation"
  },
  {
   "lei": "549300GSCUJKJINRJ980",
   "n": 3024,
   "denials": 277,
   "actual": 0.092,
   "expected": 0.223,
   "overlay_residual_pp": -13.181,
   "name": "Ruoff Mortgage Company"
  }
 ],
 "reason_fingerprint_families": {
  "aile_1": {
   "baskin_sebep_kodu": "4.0",
   "sebep_payi": 0.274,
   "uye_sayisi": 12,
   "ornek_uyeler": [
    "254900M2C4Q6DATP2889",
    "549300EMNDEK4BA8WB53",
    "549300FGXN1K3HLB1R50",
    "549300HW662MN1WU8550",
    "549300JYXTZDSPJEPI44"
   ]
  },
  "aile_2": {
   "baskin_sebep_kodu": "1.0",
   "sebep_payi": 0.322,
   "uye_sayisi": 40,
   "ornek_uyeler": [
    "2549004FXPNKCLIN8250",
    "2WHM8VNJH63UN14OL754",
    "54930001NSTOD85LT125",
    "549300121SF0K2LN2804",
    "5493001GDRY0EL7VG372"
   ]
  },
  "aile_3": {
   "baskin_sebep_kodu": "7.0",
   "sebep_payi": 0.432,
   "uye_sayisi": 8,
   "ornek_uyeler": [
    "54930021WPEXNHYZUL09",
    "549300J7I82PNDVU8H22",
    "549300NFPC3Y4W3Y7R87",
    "549300NOCASXPA34X033",
    "549300R9S3MVDV4MGF56"
   ]
  },
  "aile_4": {
   "baskin_sebep_kodu": "3.0",
   "sebep_payi": 0.415,
   "uye_sayisi": 16,
   "ornek_uyeler": [
    "254900WEP08K7U7S3A80",
    "5493001HHBUTXHS7TZ96",
    "54930030Z1JWTP3SVD16",
    "549300ALNLUNS3Y53T24",
    "549300DD5QQUHO6PCH70"
   ]
  },
  "aile_5": {
   "baskin_sebep_kodu": "1.0",
   "sebep_payi": 0.499,
   "uye_sayisi": 18,
   "ornek_uyeler": [
    "254900DTLHVWQ7NP7R34",
    "254900ZFWS2106HWPH46",
    "5493001SXWZ4OFP8Z903",
    "5493002QI2ILHHZH8D20",
    "549300370QILXLFUWD20"
   ]
  }
 }
}