Price is a stack, not a single number
Base rate + credit LLPA + LTV + occupancy + property type + jumbo vs conforming. That stack is why a 740 FICO Irvine jumbo and a 760 FICO Chula Vista VA loan do not price the same.
Kevin runs the stack against multiple investors and sends you the payment, not just the rate, so you can compare apples to apples.