{"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"],"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","MH","PU","SF"],"example":"CO"},{"name":"occupancy","type":"string","required":false,"allowed_values":["I","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"],"example":"FRM"},{"name":"property_valuation_method","type":"string","required":false,"allowed_values":["Full Appraisal","Not Available","Other","Unknown(FNM_SFP:R)","Waiver + Property Data","Waiver Only"],"example":"Full Appraisal"},{"name":"origination_year","type":"string","required":false,"allowed_values":["2020","2021","2022","2023"],"example":"2020"},{"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":["AMERIHOME MORTGAGE COMPANY, LLC","AMERISAVE MORTGAGE CORPORATION","BANK OF AMERICA, N.A.","BETTER MORTGAGE CORPORATION","BROKER SOLUTIONS, INC. DBA NEW AMERICAN FUNDING","CALIBER HOME LOANS, INC.","CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP","CITIMORTGAGE, INC.","CITIZENS BANK, NA","CITIZENS BANK, NATIONAL ASSOCIATION","CMG MORTGAGE, INC","CMG MORTGAGE, INC."],"allowed_values_count":64,"example":"AMERIHOME MORTGAGE COMPANY, LLC"},{"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":"2020","origination_month":"01","property_state":"AK","seller_name":"AMERIHOME MORTGAGE COMPANY, LLC","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."}}}