Borrower rate-lock status endpoint (LOCKED/FLOATING)

Shipped: July 16, 2026 at 9:05 PM UTC
Author: Kamo
Commit: 872b253

GET /mortgage-apps/{uid}/rate-lock (party-gated) → the loan's SAFE lock posture: LOCKED (rate + expiry) when an active, non-expired commitment exists, else FLOATING. Fail-open to FLOATING — never claim a lock it can't confirm. Backs doc 05 §5.

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