{"model":"epo_6mo","endpoint":"/api/score_epo_6mo","method":"POST","content_type":"application/json","info_endpoint":"/api/score_epo_6mo/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":"loan_purpose","type":"string","required":false,"allowed_values":["C","P","R"],"example":"C"},{"name":"channel","type":"string","required":false,"allowed_values":["B","C","R"],"example":"B"},{"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":["N","Y"],"example":"N"},{"name":"product_type","type":"string","required":false,"allowed_values":["FRM"],"example":"FRM"},{"name":"property_valuation_method","type":"string","required":false,"allowed_values":["Full Appraisal","Unknown(FNM_SFP:R)","Waiver + Property Data","Waiver Only"],"example":"Full Appraisal"},{"name":"origination_year","type":"string","required":false,"allowed_values":["2018","2019","2020","2021","2022","2023"],"example":"2018"},{"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":"expected_market_rate_6mo","type":"number","required":false,"description":"Optional. Broker's forecast of the prevailing market rate 6 months from now (percent, e.g. 5.5 for 5.5%). Defaults to today's OB Conforming 30YR median lock rate (flat-rate forecast). Used to compute refi_incentive_m6 = loan_interest_rate - expected_market_rate_6mo.","example":6.0}],"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":"B","property_type":"CO","occupancy":"I","first_time_homebuyer":"N","product_type":"FRM","property_valuation_method":"Full Appraisal","origination_year":"2018","origination_month":"01","property_state":"AK"},"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 (exposed for transparency; NOT a probability)."},{"name":"risk_band","type":"string","description":"BASE / P90 / P95 / P99 (test-set quantile bucket)."},{"name":"risk_percentile","type":"string","description":"Human-readable tier label (e.g., 'top 1% risk', 'within baseline')."},{"name":"recommendation","type":"string","description":"Plain-English action tied to the risk band."},{"name":"output_shape","type":"string","description":"Constant 'tier_only' — this model returns tier ranking, not raw probability."},{"name":"calibration_note","type":"string","description":"Explanation of why raw probability is suppressed."},{"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."}}}