{"model":"epd","endpoint":"/api/score_epd","method":"POST","content_type":"application/json","info_endpoint":"/api/score_epd/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":"source","type":"string","required":false,"allowed_values":["FNM_SFP","FRE"],"example":"FNM_SFP"},{"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":" "},{"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","AMERIHOME MORTGAGE COMPANY, LLC","AMERIHOMEMTGECOMPANY  CA 91367","AMERISAVE MORTGAGE CORPORATION","ARVEST BANK","ASSOCIATED BANK, N.A.","AXIA FINANCIAL, LLC","BANK OF AMERICA, N.A.","BANKOFAMERICA,NA      NC 28255","BAY EQUITY, LLC","BETTER MORTGAGE CORPORATION"],"allowed_values_count":200,"example":"ACADEMY MORTGAGE CORPORATION"}],"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,"source":"FNM_SFP","loan_purpose":"C","channel":"9","property_type":"CO","occupancy":"I","first_time_homebuyer":" ","product_type":"FRM","property_valuation_method":"Full Appraisal","origination_year":"2013","origination_month":"01","property_state":"AK","seller_name":"ACADEMY MORTGAGE CORPORATION"},"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":"epd_probability","type":"number","description":"Calibrated probability (0-1)."},{"name":"probability","type":"number","description":"Alias of epd_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."}}}