[quote=moneymaker]Anyone care to post a current YSP chart, haven’t seen one in a long time.[/quote]

There is no ‘standard’ chart.. it’s not a secret and
there are some online lenders that show credits at different rates, it’s always a % of the loan amount.
It can give you an idea. There are pricing hits for lower credit scores, equity, rental property etc, so there is not just one rate that fits everybody.

3rd party costs don’t change a lot with a lower loan amount which is why a $400K loan has enough credit to cover all costs but a $200K loan at the same rate may not have enough credit to cover all costs.

Each lender prices differently, but it can be a spread of anywhere from .25% to .875% (of the loan amount) for each movement of .125% in rate.

One lender may have .75 spread between 3.50% & 3.625%
and only .375 between 3.625% & 3.75%
another lender could be very different