The Lender Spotlight team works very hard to be as accurate as we possibly can when entering rates. However, as you are likely aware, mortgages have multiple variables and definitions that sometimes take time to translate precisely into Spotlight. To maintain the highest accuracy, our team had to develop ways to simplify all the variables to narrow down the results that appear when you search on Lender Spotlight.

The LTV is a great example of this. When you select the filters and have a file with 80.1% LTV, will Spotlight give you insured results? Our LTV ranges code is inclusive at the top but also exclusive at the bottom. Our platform will exclude all insured options if you have a file with precisely 80 LTV. However, if it's 80.01% LTV, it will include it. The bottom ranges always have .01% appended to make this clear to users.

If you have any questions, please click the chat button in Spotlight.