# Lender Credit Rate Tradeoff Source Map

Separate a closing-cost credit from a grant or a free reduction in borrowing cost.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
Loan Estimate/Closing Disclosure,lender credit,rate alternatives,loan type and holding-period scenarios.

## Workflow
1. Record credit and interest-rate terms from the same offer.
2. Distinguish rate-connected credits from compensation/promotional credits that may differ.
3. Compare like lender/loan offers with matched points or credits.
4. Return documented tradeoffs,not an affordability or refinance decision.

## Output contract
offer | credit | reason | interest_rate | matched_comparator | holding_period | hold

## Fictional acceptance test
Fictional 1000 credit accompanies a higher offeredrate. Do not call 1000 free savings. A compensation credit with no rate connection needs its own source rather than the default tradeoff assumption.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.consumerfinance.gov/ask-cfpb/how-should-i-use-lender-credits-and-points-also-called-discount-points-en-136/

Checked October 15, 2026. Oct15 live AIS Search Console: marketing Copilot37 impressions, Planable/Claude45, Planable/ChatGPT24, campaignbrief12, investoragent19, MuseIndia115, cashflowforecasting13. Social calendar/reporting topics follow parent-query leads; other professions follow documented workflow needs, not measured exact intent. Site impressions are not monthly volumes; exact topic volume is unmeasured.