{"model":"denial","endpoint":"/api/score_denial","method":"POST","content_type":"application/json","info_endpoint":"/api/score_denial/info","request":{"fields":[{"name":"loan_amount","type":"number","required":false},{"name":"income","type":"number","required":false},{"name":"property_value","type":"number","required":false},{"name":"cltv","type":"number","required":false,"example":105},{"name":"loan_to_income_ratio","type":"number","required":false},{"name":"loan_to_value_ratio_at_app","type":"number","required":false},{"name":"total_units","type":"number","required":false},{"name":"activity_year","type":"string","required":false,"allowed_values":[2018,2019,2020,2021,2022,2023],"example":2018},{"name":"loan_type","type":"string","required":false,"allowed_values":["1","2","3","4"],"example":"1"},{"name":"loan_purpose","type":"string","required":false,"allowed_values":["1","2","31","32","4","5"],"example":"1"},{"name":"lien_status","type":"string","required":false,"allowed_values":["1","2"],"example":"1"},{"name":"preapproval","type":"string","required":false,"allowed_values":["1","2"],"example":"1"},{"name":"occupancy_type","type":"string","required":false,"allowed_values":["1","2","3"],"example":"1"},{"name":"construction_method","type":"string","required":false,"allowed_values":["1","2"],"example":"1"},{"name":"open_end_line_of_credit","type":"string","required":false,"allowed_values":["1","1111","2"],"example":"1"},{"name":"business_or_commercial_purpose","type":"string","required":false,"allowed_values":["1","1111","2"],"example":"1"},{"name":"reverse_mortgage","type":"string","required":false,"allowed_values":["1","1111","2"],"example":"1"},{"name":"conforming_loan_limit","type":"string","required":false,"allowed_values":["C","NA","NC","U"],"example":"C"},{"name":"derived_loan_product_type","type":"string","required":false,"allowed_values":["Conventional:First Lien","Conventional:Subordinate Lien","FHA:First Lien","FHA:Subordinate Lien","FSA/RHS:First Lien","FSA/RHS:Subordinate Lien","VA:First Lien","VA:Subordinate Lien"],"example":"Conventional:First Lien"},{"name":"derived_dwelling_category","type":"string","required":false,"allowed_values":["Multifamily:Manufactured","Multifamily:Site-Built","Single Family (1-4 Units):Manufactured","Single Family (1-4 Units):Site-Built"],"example":"Multifamily:Manufactured"},{"name":"derived_ethnicity","type":"string","required":false,"allowed_values":["Ethnicity Not Available","Free Form Text Only","Hispanic or Latino","Joint","Not Hispanic or Latino"],"example":"Ethnicity Not Available"},{"name":"derived_race","type":"string","required":false,"allowed_values":["2 or more minority races","American Indian or Alaska Native","Asian","Black or African American","Free Form Text Only","Joint","Native Hawaiian or Other Pacific Islander","Race Not Available","White"],"example":"2 or more minority races"},{"name":"derived_sex","type":"string","required":false,"allowed_values":["Female","Joint","Male","Sex Not Available"],"example":"Female"},{"name":"applicant_credit_score_type","type":"string","required":false,"allowed_values":["1","11","1111","2","3","4","5","6","7","8","9"],"example":"1"},{"name":"co_applicant_credit_score_type","type":"string","required":false,"allowed_values":["1","10","11","1111","2","3","4","5","6","7","8","9"],"example":"1"},{"name":"manufactured_home_secured_property_type","type":"string","required":false,"allowed_values":["1","1111","2","3"],"example":"1"},{"name":"manufactured_home_land_property_interest","type":"string","required":false,"allowed_values":["1","1111","2","3","4","5"],"example":"1"},{"name":"debt_to_income_ratio","type":"string","required":false,"allowed_values_sample":["20%-<30%","30%-<36%","36","37","38","39","40","41","42","43","44","45"],"allowed_values_count":21,"example":"20%-<30%"},{"name":"state_code","type":"string","required":false,"allowed_values_sample":["AK","AL","AR","AS","AZ","CA","CO","CT","DC","DE","FL","FM"],"allowed_values_count":59,"example":"AK"},{"name":"lei","type":"string","required":false,"allowed_values_sample":["01J4SO3XTWZF4PP38209","03D0JEWFDFUS0SEEKG89","213800QUAI2VH5YM6310","213800XR2TCBQJSF1X93","254900CN1DD55MJDFH69","254900HA4DQWAE0W3342","254900NTAC4H10MGSU23","254900TTZ395IC926125","254900UL88QFG0E40516","254900WEP08K7U7S3A80","254900ZFWS2106HWPH46","2WHM8VNJH63UN14OL754"],"allowed_values_count":201,"example":"01J4SO3XTWZF4PP38209"},{"name":"derived_msa_md","type":"string","required":false,"allowed_values_sample":["0","10420","10580","10740","10900","11244","11260","11460","11700","12060","12260","12420"],"allowed_values_count":201,"example":"0"}],"example_payload":{"cltv":105,"activity_year":2018,"loan_type":"1","loan_purpose":"1","lien_status":"1","preapproval":"1","occupancy_type":"1","construction_method":"1","open_end_line_of_credit":"1","business_or_commercial_purpose":"1","reverse_mortgage":"1","conforming_loan_limit":"C","derived_loan_product_type":"Conventional:First Lien","derived_dwelling_category":"Multifamily:Manufactured","derived_ethnicity":"Ethnicity Not Available","derived_race":"2 or more minority races","derived_sex":"Female","applicant_credit_score_type":"1","co_applicant_credit_score_type":"1","manufactured_home_secured_property_type":"1","manufactured_home_land_property_interest":"1","debt_to_income_ratio":"20%-<30%","state_code":"AK","lei":"01J4SO3XTWZF4PP38209","derived_msa_md":"0"},"notes":"All fields are optional — missing values are imputed as nulls and routed through the model's native handling. Send only the fields you have."},"response":{"fields":[{"name":"model","type":"string","description":"Model identifier."},{"name":"model_version","type":"string"},{"name":"raw_score","type":"number","description":"Pre-calibration model score."},{"name":"denial_probability","type":"number","description":"Calibrated probability (0-1)."},{"name":"probability","type":"number","description":"Alias of denial_probability."},{"name":"risk_band","type":"string","description":"BASE / P90 / P95 / P99 (test-set quantile bucket)."},{"name":"recommendation","type":"string","description":"Plain-English action tied to the risk band."},{"name":"score_thresholds","type":"object"},{"name":"scored_at","type":"string","description":"ISO-8601 UTC timestamp."}],"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":"Model artifact missing on server."}}}