{"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"],"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":66,"example":"AMERIHOME MORTGAGE COMPANY, LLC"}],"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":"9","product_type":"FRM","property_valuation_method":"Full Appraisal","origination_year":"2020","origination_month":"01","property_state":"AK","seller_name":"AMERIHOME MORTGAGE COMPANY, LLC"},"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."}}}