{
  "schema_version": "pma-lender-matrix/v1",
  "owner": "PMA / SolVida",
  "last_updated": "2026-06-25",
  "purpose": "Canonical lender/guideline/pricing-routing matrix for PMAFIN calculators, Luna mortgage reasoning, and LOS/ARIVE handoff.",
  "source_module": "src/content/lenderMatrix.ts",
  "los_integration_policy": {
    "system_of_record": "ARIVE LOS",
    "pricing_mode": "simulated_matrix_until_live_lender_pricing_api",
    "borrower_facing_rule": "Never present matrix output as a commitment to lend. Always verify guidelines, pricing, lock timing, docs, AUS/underwriting and lender approval.",
    "sensitive_data_rule": "Borrower PII, credit, assets, income documents and Plaid/CIC data must route through PMA protected intake and backend audit logs."
  },
  "lenders": [
    { "key": "uwm", "los_code": "UWM", "programs": ["conventional", "fha", "bankStatement12", "bankStatement1099", "profitAndLoss", "dscr", "heloan", "heloc"], "target": "arive", "pricing_lane": "wholesale_pricing", "submit_lane": "uwm_submit" },
    { "key": "tls", "los_code": "TLS", "programs": ["conventional", "fha", "bankStatement12", "bankStatement1099", "profitAndLoss", "dscr", "heloan", "heloc"], "target": "arive", "pricing_lane": "wholesale_pricing", "submit_lane": "arive_submit" },
    { "key": "windsor", "los_code": "WINDSOR", "programs": ["conventional", "bankStatement12", "bankStatement1099", "profitAndLoss", "dscr"], "target": "partner_portal", "pricing_lane": "matrix_quote", "submit_lane": "portal_submit" },
    { "key": "newrez", "los_code": "NEWREZ", "programs": ["conventional", "fha", "bankStatement12", "bankStatement1099", "profitAndLoss", "dscr"], "target": "arive", "pricing_lane": "wholesale_pricing", "submit_lane": "arive_submit" },
    { "key": "lendz", "los_code": "LENDZ", "programs": ["bankStatement12", "bankStatement1099", "profitAndLoss", "dscr", "foreignNational", "itin"], "target": "partner_portal", "pricing_lane": "matrix_quote", "submit_lane": "portal_submit" },
    { "key": "deephaven", "los_code": "DEEPHAVEN", "programs": ["bankStatement12", "bankStatement1099", "profitAndLoss", "dscr", "foreignNational", "itin"], "target": "partner_portal", "pricing_lane": "matrix_quote", "submit_lane": "portal_submit" },
    { "key": "cake", "los_code": "CAKE", "programs": ["bankStatement12", "bankStatement1099", "profitAndLoss", "dscr", "heloan", "heloc"], "target": "partner_portal", "pricing_lane": "matrix_quote", "submit_lane": "portal_submit" },
    { "key": "button", "los_code": "BUTTON", "programs": ["heloan", "heloc"], "target": "partner_portal", "pricing_lane": "second_lien_quote", "submit_lane": "portal_submit" },
    { "key": "pennymac", "los_code": "PENNYMAC", "programs": ["conventional", "fha", "bankStatement12", "bankStatement1099", "profitAndLoss", "heloan", "heloc"], "target": "arive", "pricing_lane": "wholesale_pricing", "submit_lane": "arive_submit" },
    { "key": "velocity", "los_code": "VELOCITY", "programs": ["commercial", "dscr", "hardMoney", "fixAndFlip", "heloan"], "target": "partner_portal", "pricing_lane": "commercial_quote", "submit_lane": "portal_submit" },
    { "key": "figure", "los_code": "FIGURE", "programs": ["heloc"], "target": "partner_portal", "pricing_lane": "second_lien_quote", "submit_lane": "portal_submit" },
    { "key": "homexpress", "los_code": "HOMEXPRESS", "programs": ["bankStatement12", "bankStatement1099", "profitAndLoss", "dscr", "foreignNational", "itin"], "target": "partner_portal", "pricing_lane": "matrix_quote", "submit_lane": "portal_submit" },
    { "key": "orion_lending", "los_code": "ORION", "programs": ["conventional", "fha"], "target": "arive", "pricing_lane": "wholesale_pricing", "submit_lane": "arive_submit" },
    { "key": "rocket-pro", "los_code": "ROCKET_PRO", "programs": ["conventional", "fha"], "target": "arive", "pricing_lane": "wholesale_pricing", "submit_lane": "arive_submit" }
  ]
}