Response Schema

Every API response follows the same top-level structure regardless of loan type.

Top-Level Fields

Field	Type	Description
returncode	integer	0 = success; non-zero indicates an error
status	string	"success" or "error"
loid	integer	Echo of the loid from your request
loan_details	object	Echo of the parsed loan parameters including computed LTV
pricing_results	array	Ordered array of lender pricing objects (lowest to highest rate)

pricing_results Object Fields

Field	Type	Description
lender_name	string	Name of the lending institution. Consistent across all results in a single response (see LoanSifter pricing note in Overview).
program_name	string	Product program name (e.g., HomeReady, Jumbo 30-Year Fixed, 7/6 ARM)
rate	number	Interest rate (note rate) as a percentage
apr	number	Annual Percentage Rate including fees
points	number	Discount/origination points. 0 = par; positive = cost; negative = credit
monthly_payment	number	Estimated principal + interest payment in USD
term	integer	Loan term in years
pmi_monthly	number	Monthly PMI in USD (Conventional loans with LTV > 80%)
mip_monthly	number	Monthly MIP in USD (FHA loans)
va_funding_fee	number	VA funding fee as a decimal (VA loans)
funding_fee_amount	number	VA funding fee dollar amount (VA loans)
dscr_ratio	number	Minimum DSCR required (Non-QM DSCR loans)
prepay_penalty	string	Prepayment penalty schedule (Non-QM loans)
io_option	boolean	Interest-only option available (Non-QM loans)
arm_caps	string	Cap structure as "initial/periodic/lifetime" (ARM loans). E.g., "5/1/5"
index	string	Benchmark index for ARM adjustments (e.g., SOFR)
margin	number	Fixed spread added to index at each ARM adjustment
fully_indexed_rate	number	Current index + margin; useful for TRID worst-case disclosure (ARM loans)
lock_period	integer	Rate lock period in days for this quote