{
  "engine": "FRC-NEXUS v2 \u2014 Behavioral Divergence Transformer",
  "tagline": "FRC does not just model mortgage rules. It models how real-world lending behavior diverges from them.",
  "generated": "2026-05-29T16:05:15.203564",
  "model_performance": {
    "approval_auc": 0.7622,
    "divergence_mae": 0.1849,
    "note": "Dual-head: Head A predicts outcomes, Head B predicts behavioral divergence from agency rules"
  },
  "behavioral_topology": [
    {
      "lender_category": "conservative",
      "state": "GA",
      "agency_approval_rate": 1.0,
      "actual_approval_rate": 0.51,
      "behavioral_bend": 0.49,
      "model_divergence_score": 0.428,
      "signal_count": 51,
      "interpretation": "STRONG OVERLAY: market significantly stricter than agency"
    },
    {
      "lender_category": "conservative",
      "state": "CA",
      "agency_approval_rate": 1.0,
      "actual_approval_rate": 0.586,
      "behavioral_bend": 0.414,
      "model_divergence_score": 0.472,
      "signal_count": 58,
      "interpretation": "STRONG OVERLAY: market significantly stricter than agency"
    },
    {
      "lender_category": "conservative",
      "state": "FL",
      "agency_approval_rate": 1.0,
      "actual_approval_rate": 0.625,
      "behavioral_bend": 0.375,
      "model_divergence_score": 0.452,
      "signal_count": 56,
      "interpretation": "STRONG OVERLAY: market significantly stricter than agency"
    },
    {
      "lender_category": "conservative",
      "state": "NY",
      "agency_approval_rate": 1.0,
      "actual_approval_rate": 0.667,
      "behavioral_bend": 0.333,
      "model_divergence_score": 0.408,
      "signal_count": 60,
      "interpretation": "STRONG OVERLAY: market significantly stricter than agency"
    },
    {
      "lender_category": "conservative",
      "state": "AZ",
      "agency_approval_rate": 1.0,
      "actual_approval_rate": 0.679,
      "behavioral_bend": 0.321,
      "model_divergence_score": 0.404,
      "signal_count": 53,
      "interpretation": "STRONG OVERLAY: market significantly stricter than agency"
    },
    {
      "lender_category": "conservative",
      "state": "OH",
      "agency_approval_rate": 1.0,
      "actual_approval_rate": 0.684,
      "behavioral_bend": 0.316,
      "model_divergence_score": 0.364,
      "signal_count": 38,
      "interpretation": "STRONG OVERLAY: market significantly stricter than agency"
    },
    {
      "lender_category": "conservative",
      "state": "WA",
      "agency_approval_rate": 1.0,
      "actual_approval_rate": 0.729,
      "behavioral_bend": 0.271,
      "model_divergence_score": 0.361,
      "signal_count": 48,
      "interpretation": "STRONG OVERLAY: market significantly stricter than agency"
    },
    {
      "lender_category": "conservative",
      "state": "TX",
      "agency_approval_rate": 1.0,
      "actual_approval_rate": 0.77,
      "behavioral_bend": 0.23,
      "model_divergence_score": 0.364,
      "signal_count": 61,
      "interpretation": "STRONG OVERLAY: market significantly stricter than agency"
    }
  ],
  "hidden_divergence_rules": [
    {
      "lender_category": "conservative",
      "typical_credit": 659,
      "typical_dti": 41.0,
      "avg_divergence": 0.409,
      "count": 424,
      "hidden_rule": "credit~658, DTI~41.0% \u2192 market diverges 0.41 from agency expectation"
    },
    {
      "lender_category": "fha_flexible",
      "typical_credit": 659,
      "typical_dti": 42.7,
      "avg_divergence": 0.224,
      "count": 448,
      "hidden_rule": "credit~659, DTI~42.7% \u2192 market diverges 0.22 from agency expectation"
    },
    {
      "lender_category": "agency_standard",
      "typical_credit": 658,
      "typical_dti": 41.4,
      "avg_divergence": 0.223,
      "count": 270,
      "hidden_rule": "credit~657, DTI~41.4% \u2192 market diverges 0.22 from agency expectation"
    },
    {
      "lender_category": "credit_union",
      "typical_credit": 662,
      "typical_dti": 42.0,
      "avg_divergence": 0.222,
      "count": 363,
      "hidden_rule": "credit~661, DTI~42.0% \u2192 market diverges 0.22 from agency expectation"
    },
    {
      "lender_category": "portfolio",
      "typical_credit": 663,
      "typical_dti": 42.0,
      "avg_divergence": 0.22,
      "count": 267,
      "hidden_rule": "credit~663, DTI~42.0% \u2192 market diverges 0.22 from agency expectation"
    }
  ],
  "license": "CC BY 4.0"
}