Lhfs

Version-controlled mortgage underwriting-overlay and rate-lock dataset plus a down-payment-assistance (DPA) second-lien portfolio: dated lender overlays on FHA/VA/USDA agency baselines (FICO floors, DTI caps by property type including manufactured-housing-specific carve-outs, 4506-C transcript requirements, lock-duration and lock-cancel-fee rules), keyed to program codes, and the originated/serviced second-lien book generated by administering state affordable-housing DPA programs on the lender's own capital.

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Coverage

Universe, instruments and categories.

Industry: Thrifts & Mortgage FinanceFinancial Exchanges & Data
Instruments: fixed_incomestructured_productsequities

Dataset card

Type: not stated
Format: Tabular (dated guideline grids and program-code tables, generated from relational origination/servicing systems)
Volume: Est. tens of thousands of originated loan records per year (roughly $380M revenue across a multi-state retail+wholesale book) and a serviced portfolio spanning multiple state DPA programs. Overlay-rule layer: est. hundreds of dated rule rows per revision x dozens of revisions, so low-thousands of versioned eligibility rows.
Users: ~5,000-20,000 broker/loan-officer channel participants (inferred from a 700-person originator/servicer running both national retail and wholesale channels; the firm's data is not consumer-login-gated).
History: 15 years
Update frequency: not stated
Growth: Active — this guideline sheet is date-stamped 9.1.2026 (within days of the current date) with versioned program codes, indicating a maintained monthly/quarterly revision cycle rather than a dormant product line.
Launched: est. 2000s-2008 for the lender (low corporate NMLS #1796 predates the modern registry era, consistent with an established California originator); the specific DPA program administered is a long-running California state housing program, so the underlying product line substantially predates 2026.
Delivery: not stated
Entity mapping: not stated
Sample: not stated
Point-in-time: not stated
Licence: not stated

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