Worked Example — Conventional Purchase

A primary residence purchase in Miami, FL with a $750,000 home value, $675,000 loan amount, and $75,000 (10%) down payment. With a 780 credit score and 90% LTV, this borrower qualifies for top-tier conventional pricing.

About This Scenario:
At 90% LTV, PMI is required. A 780 credit score minimizes the PMI premium. This is a standard conventional purchase — no affordability programs are triggered.

Scenario Parameters

Parameter	Value
Loan Purpose	Purchase
Loan Type	Conventional
List Price / Home Value	$750,000
Loan Amount	$675,000
Down Payment	$75,000 (10%)
LTV	90%
Credit Score	780
State / City / ZIP	FL / Miami / 33130
Property Type	Single Family Home
Residency Type	Primary Home
Monthly Income	$12,000
Lock Period	30 days
Loan Term	30 years
loid	44
Loan Officer ID (loid)	6309

Request Payload

loan_type: "Conventional", down_payment explicit. aus: "NotSpecified" returns all eligible products.

POST https://api.bankingbridge.com/rateflow
Content-Type: application/json
x-api-key: uL6aLuwfcq1dUvEZTq3Gv2O0KgorNbYXXXXXXXX

{
  "lock_period": 30,
  "first_time_homebuyer": false,
  "loan_type": "Conventional",
  "list_price": 750000,
  "loan_purpose": "purchase",
  "loan_amount": 675000,
  "credit_score": 780,
  "state": "FL",
  "city": "Miami",
  "zipcode": "33130",
  "coords": { "lat": 0, "lng": 0 },
  "residency_type": "primary_home",
  "property_type": "single_family_home",
  "cash_out": 0,
  "down_payment": 75000,
  "waive_escrows": false,
  "monthly_income": 12000,
  "loid": 6309,
  "id": 44,
  "withCredentials": false,
  "min_credit": 780,
  "loan_term": 30,
  "aus": "NotSpecified"
}

cURL Example

curl -X POST "https://api.bankingbridge.com/rateflow" \
  -H "x-api-key: uL6aLuwfcq1dUvEZTq3Gv2O0KgorNbYXXXXXXXX" \
  -H "Content-Type: application/json" \
  -d '{
    "lock_period": 30,
    "first_time_homebuyer": false,
    "loan_type": "Conventional",
    "list_price": 750000,
    "loan_purpose": "purchase",
    "loan_amount": 675000,
    "credit_score": 780,
    "state": "FL",
    "city": "Miami",
    "zipcode": "33130",
    "residency_type": "primary_home",
    "property_type": "single_family_home",
    "cash_out": 0,
    "down_payment": 75000,
    "monthly_income": 12000,
    "loid": 6309,
    "id": 44,
    "min_credit": 780,
    "loan_term": 30,
    "aus": "NotSpecified"
  }'

JavaScript (fetch) Example

const response = await fetch("https://api.bankingbridge.com/rateflow", {
  method: "POST",
  headers: {
    "Content-Type": "application/json",
    "x-api-key": "uL6aLuwfcq1dUvEZTq3Gv2O0KgorNbYXXXXXXXX"
  },
  body: JSON.stringify({
    lock_period: 30,
    first_time_homebuyer: false,
    loan_type: "Conventional",
    list_price: 750000,
    loan_purpose: "purchase",
    loan_amount: 675000,
    credit_score: 780,
    state: "FL",
    city: "Miami",
    zipcode: "33130",
    residency_type: "primary_home",
    property_type: "single_family_home",
    cash_out: 0,
    down_payment: 75000,
    monthly_income: 12000,
    loid: 6309,
    id: 44,
    min_credit: 780,
    loan_term: 30,
    aus: "NotSpecified"
  })
});
const data = await response.json();
console.log(data.pricing_results);

Python (requests) Example

import requests

headers = {
  "Content-Type": "application/json",
  "x-api-key": "uL6aLuwfcq1dUvEZTq3Gv2O0KgorNbYXXXXXXXX"
}

payload = {
  "lock_period": 30,
  "first_time_homebuyer": False,
  "loan_type": "Conventional",
  "list_price": 750000,
  "loan_purpose": "purchase",
  "loan_amount": 675000,
  "credit_score": 780,
  "state": "FL",
  "city": "Miami",
  "zipcode": "33130",
  "residency_type": "primary_home",
  "property_type": "single_family_home",
  "cash_out": 0,
  "down_payment": 75000,
  "monthly_income": 12000,
  "loid": 6309,
  "id": 44,
  "min_credit": 780,
  "loan_term": 30,
  "aus": "NotSpecified"
}

response = requests.post(
  "https://api.bankingbridge.com/rateflow",
  json=payload,
  headers=headers
)
data = response.json()

Sample Response Structure

At 90% LTV, pmi_monthly is present. PMI cancels automatically at 78% LTV.

{
  "returncode": 0,
  "status": "success",
  "loid": 44,
  "pricing_results": [
    {
      "lender_name": "Example Lender A",
      "program_name": "Standard Conventional",
      "rate": 6.750,
      "apr": 6.923,
      "points": 0.00,
      "monthly_payment": 4376.19,
      "pmi_monthly": 168.75,
      "lock_period": 30
    }
  ]
}

Key Field Notes:

• down_payment: Explicit value improves LTV accuracy.
• pmi_monthly: Required at LTV > 80%. 780 score = lower-than-average PMI.
• aus: Set to "DU" (Fannie Mae) or "LPA" (Freddie Mac) to filter to AUS-specific products.