{"model":"fair_lending_disparate_impact_audit","endpoint":"/api/score_di_air","method":"POST","content_type":"application/json","info_endpoint":"/api/score_di_air/info","request":{"fields":[{"name":"lei","type":"string","required":false,"description":"20-char Legal Entity Identifier. Preferred over lender_name (unambiguous)."},{"name":"lender_name","type":"string","required":false,"description":"Fuzzy lender name lookup. Returns candidates if ambiguous. Supply lei OR lender_name."},{"name":"activity_year","type":"integer","required":false,"description":"HMDA activity year, 2018-2025. Defaults to latest (2025)."}],"example_payload":{"lender_name":"Rocket Mortgage","activity_year":2025}},"response":{"fields":[{"name":"lei","type":"string"},{"name":"lender_name","type":"string"},{"name":"activity_year","type":"integer"},{"name":"n_applications_decisioned","type":"integer"},{"name":"overall_approval_rate_pct","type":"number"},{"name":"race","type":"object","description":"Per-race-group breakdown with AIR vs White reference."},{"name":"ethnicity","type":"object","description":"Hispanic vs Non-Hispanic AIR."},{"name":"sex","type":"object","description":"Female (+ joint) vs Male AIR."},{"name":"passes_4_5ths_overall","type":"boolean","description":"True if all groups pass the 4/5ths rule."},{"name":"flags_4_5ths_violations","type":"array","description":"Any groups with AIR < 0.80."},{"name":"methodology","type":"object"},{"name":"disclaimer","type":"string"}],"status_codes":{"200":"OK — audit computed.","400":"Bad payload (missing lei/lender_name, invalid year, or no HMDA data for that LEI+year).","401":"Sign-in required.","429":"Rate limit exceeded."}}}