{
    "MIEstimatedRateQuote": {
        "combinedLTVs": [
            {
                "combinedLTVRatioPercent": 95
            }
        ],
        "createdDatetime": "2026-07-01T09:30:15.0",
        "loan": {
            "amortizationType": "Fixed",
            "balloonIndicator": false,
            "baseLoanAmount": 200000.00,
            "baseLTVRatioPercent": 95,
            "borrowerCount": 2,
            "buydownTemporarySubsidyFundingIndicator": false,
            "housingExpenseRatioPercent": 25,
            "loanAmortizationPeriodCount": 360,
            "loanIdentifiers": [
                {
                    "loanIdentifier": "12345",
                    "loanIdentifierType": "LenderLoan"
                }
            ],
            "loanLevelCreditScoreValue": "800",
            "loanMaturityPeriodCount": 360,
            "loanPurposeType": "Purchase",
            "relocationLoanIndicator": false,
            "totalDebtExpenseRatioPercent": 35,
            "underwriting": {
                "automatedUnderwritings": [
                    {
                        "automatedUnderwritingSystemType": "DesktopUnderwriter",
                        "desktopUnderwriterRecommendationType": "ApproveEligible"                       
                    }
                ]
            }
        },
        "MIApplicationRequest": {
            "MILenderIdentifier": "1234567890",
            "MIProducts": [
                {
                    "MICoveragePercent": 30,
                    "MIDurationType": "PeriodicMonthly",
                    "MIInitialPremiumAtClosingType": "Deferred",
                    "MIPremiumCalculationType": "Constant",
                    "MIPremiumRefundableType": "NotRefundable",
                    "MIPremiumSourceType": "Borrower",
                    "MIPremiumUpfrontPercent": 0                   
                }
            ],
            "MIServiceType": "RateQuote",
            "MITransactionIdentifier": "T123",
            "rateQuoteType": "Estimated"
        },
        "MISMOReferenceModelIdentifier": "3.5.0B344-20180402",
        "parties": [
            {
                "individual": {
                    "name": {
                        "firstName": "John",
                        "lastName": "Homeowner"
                    }
                },
                "roles": [
                    {
                        "borrower": {
                            "bankruptcyIndicator": false,
                            "employers": [
                                {
                                    "employmentBorrowerSelfEmployedIndicator": false
                                }
                            ],
                            "homeownerPastThreeYearsType": "No",
                            "priorPropertyForeclosureCompletedIndicator": false
                        }, "partyRoleType": "Borrower"
                    }
                ],
                "taxpayerIdentifiers": [
                    {
                        "taxpayerIdentifierType": "SocialSecurityNumber",
                        "taxpayerIdentifierValue": "999999999"
                    }
                ]
            },
            {
                "individual": {
                    "name": {
                        "firstName": "Mary",
                        "lastName": "Homeowner"
                    }
                },
                "roles": [
                    {
                        "borrower": {
                        	"bankruptcyIndicator": false,
                            "employers": [
                                {
                                    "employmentBorrowerSelfEmployedIndicator": false
                                }
                            ],
                            "homeownerPastThreeYearsType": "No",
                            "priorPropertyForeclosureCompletedIndicator": false
                        }, "partyRoleType": "Borrower"
                    }
                ],
                "taxpayerIdentifiers": [
                    {
                        "taxpayerIdentifierType": "SocialSecurityNumber",
                        "taxpayerIdentifierValue": "888888888"
                    }
                ]
            },
            {
                "legalEntity": {
                    "contacts": [
                        {
                            "contactPoints": [
                                {
                                    "contactPointEmailValue": "submitter@lender.com",
                                    "contactPointTelephoneValue": "4143335555"
                                }
                            ]
						}
					],
					"fullName": "Technology Provider"
				},
                "roles": [
                    {
                        "licenses": [
                            {
                                "licenseIdentifier": "555666"
                            }
                        ],
                        "partyRoleType": "SubmittingParty"
                    }
                ]
            },
            {
                "legalEntity": {
                    "fullName": "Secondary Company"
                },
                "roles": [
                    {
                        "partyRoleType": "Other",
                        "partyRoleTypeOtherDescription": "SecondaryProvider",
                        "partyRoleIdentifiers": [
                            {
                                "partyRoleIdentifier": "777"
                            }
                        ]
                    }
                ]
            }
        ],
        "subjectProperty": {
            "addressLineText": "123 Any Street",
            "attachmentType": "Detached",
            "cityName": "Milwaukee",
            "constructionMethodType": "SiteBuilt",
            "countyName": "Milwaukee",
            "financedUnitCount": 1,
            "postalCode": "53202",
            "propertyUsageType": "PrimaryResidence",
            "stateCode": "WI"
        }
    }
}