{
  "generated": "2026-05-29T15:52:44.865278",
  "engine": "FRC-NEXUS MortgageTransformer v1.0",
  "training_auc": 0.9462,
  "data_points": 1500,
  "hidden_overlays": [
    {
      "type": "HIDDEN_OVERLAY",
      "lender_category": "agency_standard",
      "state": "TX",
      "signal_count": 2,
      "avg_denial_prob": 1.0,
      "pattern": "credit~706, DTI~50.8% \u2014 model flags high denial risk despite agency eligibility",
      "confidence": 1.0
    },
    {
      "type": "HIDDEN_OVERLAY",
      "lender_category": "conservative",
      "state": "AZ",
      "signal_count": 3,
      "avg_denial_prob": 1.0,
      "pattern": "credit~646, DTI~49.2% \u2014 model flags high denial risk despite agency eligibility",
      "confidence": 1.0
    },
    {
      "type": "HIDDEN_OVERLAY",
      "lender_category": "conservative",
      "state": "GA",
      "signal_count": 9,
      "avg_denial_prob": 1.0,
      "pattern": "credit~658, DTI~46.2% \u2014 model flags high denial risk despite agency eligibility",
      "confidence": 1.0
    },
    {
      "type": "HIDDEN_OVERLAY",
      "lender_category": "conservative",
      "state": "OH",
      "signal_count": 8,
      "avg_denial_prob": 1.0,
      "pattern": "credit~641, DTI~44.3% \u2014 model flags high denial risk despite agency eligibility",
      "confidence": 1.0
    },
    {
      "type": "HIDDEN_OVERLAY",
      "lender_category": "conservative",
      "state": "FL",
      "signal_count": 6,
      "avg_denial_prob": 0.999,
      "pattern": "credit~653, DTI~46.2% \u2014 model flags high denial risk despite agency eligibility",
      "confidence": 1.0
    }
  ],
  "overlay_forecasts": [
    {
      "lender_category": "agency_standard",
      "trend": "TIGHTENING",
      "delta": 0.195,
      "forecast": "Denial rate increased 19% H2 vs H1 \u2014 overlay tightening likely continuing",
      "confidence": 0.95
    }
  ],
  "regional_anomalies": [],
  "note": "Hidden overlays discovered by ML \u2014 not documented in any official guideline",
  "license": "CC BY 4.0"
}