{"model":"channel_choice","endpoint":"/api/score_channel_choice","method":"POST","content_type":"application/json","info_endpoint":"/api/score_channel_choice/info","request":{"fields":[{"name":"borrower_fico","type":"number","required":false,"example":720},{"name":"co_borrower_fico","type":"number","required":false},{"name":"original_ltv","type":"number","required":false,"example":80},{"name":"original_cltv","type":"number","required":false,"example":80},{"name":"dti","type":"number","required":false,"example":38},{"name":"mi_percent","type":"number","required":false},{"name":"original_upb","type":"number","required":false,"example":350000},{"name":"original_interest_rate","type":"number","required":false,"example":6.5},{"name":"original_loan_term_months","type":"number","required":false},{"name":"number_of_units","type":"number","required":false,"example":1},{"name":"number_of_borrowers","type":"number","required":false,"example":2},{"name":"max_dq_status_1_6","type":"number","required":false},{"name":"dq_months_1_6","type":"number","required":false},{"name":"ever_60dq_1_6","type":"number","required":false},{"name":"ever_90dq_1_6","type":"number","required":false},{"name":"ever_modified_1_6","type":"number","required":false},{"name":"upb_decline_pct_1_6","type":"number","required":false},{"name":"obs_months_1_6","type":"number","required":false},{"name":"loan_purpose","type":"string","required":false,"allowed_values":["C","N","P","R","U"],"example":"C"},{"name":"channel","type":"string","required":false,"allowed_values":["9","B","C","R"],"example":"9"},{"name":"property_type","type":"string","required":false,"allowed_values":["CO","CP","LH","MH","PU","SF"],"example":"CO"},{"name":"occupancy","type":"string","required":false,"allowed_values":["I","O","P","S"],"example":"I"},{"name":"first_time_homebuyer","type":"string","required":false,"allowed_values":["9","N","Y"],"example":"9"},{"name":"product_type","type":"string","required":false,"allowed_values":["FRM","FRM15","FRM30"],"example":"FRM"},{"name":"property_valuation_method","type":"string","required":false,"allowed_values":["Full Appraisal","Not Available","Not Disclosed","Other","Unknown(FNM_SFP:R)","Waiver + Property Data","Waiver Only"],"example":"Full Appraisal"},{"name":"origination_year","type":"string","required":false,"allowed_values":["2013","2014","2015","2016","2017","2018","2019","2020","2021","2022","2023"],"example":"2013"},{"name":"origination_month","type":"string","required":false,"allowed_values":["01","02","03","04","05","06","07","08","09","10","11","12"],"example":"01"},{"name":"property_state","type":"string","required":false,"allowed_values_sample":["AK","AL","AR","AZ","CA","CO","CT","DC","DE","FL","GA","GU"],"allowed_values_count":54,"example":"AK"},{"name":"seller_name","type":"string","required":false,"allowed_values_sample":["ACADEMY MORTGAGE CORPORATION","ALLY BANK","AMERICAN INTERNET MORTGAGE, INC. DBA AIMLOAN.COM","AMERIHOME MORTGAGE COMPANY, LLC","AMERIHOMEMTGECOMPANY  CA 91367","AMERISAVE MORTGAGE CORPORATION","ARVEST BANK","AXIA FINANCIAL, LLC","BANK OF AMERICA, N.A.","BANK OF ENGLAND","BANKOFAMERICA,NA      NC 28255","BAY EQUITY, LLC"],"allowed_values_count":200,"example":"ACADEMY MORTGAGE CORPORATION"},{"name":"loss_per_repurchase_usd","type":"number","required":false,"example":200000.0,"description":"Override default $200,000 loss-per-repurchase assumption."},{"name":"loss_per_epd_usd","type":"number","required":false,"example":10000.0,"description":"Override default $10,000 loss-per-EPD assumption."}],"example_payload":{"borrower_fico":720,"original_ltv":80,"original_cltv":80,"dti":38,"original_upb":350000,"original_interest_rate":6.5,"number_of_units":1,"number_of_borrowers":2,"loan_purpose":"C","channel":"9","property_type":"CO","occupancy":"I","first_time_homebuyer":"9","product_type":"FRM","property_valuation_method":"Full Appraisal","origination_year":"2013","origination_month":"01","property_state":"AK","seller_name":"ACADEMY MORTGAGE CORPORATION","loss_per_repurchase_usd":200000.0,"loss_per_epd_usd":10000.0},"notes":"Do NOT send `source` — the endpoint scores both FNM_SFP and FRE internally."},"response":{"fields":[{"name":"fannie","type":"object","description":"{repurchase_probability, epd_probability, expected_repurchase_loss_usd, expected_epd_loss_usd, expected_total_loss_usd}"},{"name":"freddie","type":"object","description":"Same shape as `fannie`."},{"name":"delinquency_curves","type":"object","description":"Per-channel 12/24/36-mo cumulative EPD probabilities (if those horizon models are loaded)."},{"name":"expected_loss_differential_usd","type":"number","description":"Positive = Freddie is cheaper; negative = Fannie is cheaper."},{"name":"recommended_channel","type":"string","description":"FNM_SFP / FRE / EITHER."},{"name":"rationale","type":"string"}],"status_codes":{"200":"OK — scored.","429":"Rate limit exceeded (10 scoring calls/day per IP for anonymous; 20/day for signed-in free tier).","503":"Underlying model artifact missing on server."}}}