{"model":"gnma_epd","endpoint":"/api/score_gnma_epd","method":"POST","content_type":"application/json","info_endpoint":"/api/score_gnma_epd/info","request":{"fields":[{"name":"credit_score","type":"number","required":false,"example":720},{"name":"ltv","type":"number","required":false,"example":80},{"name":"cltv","type":"number","required":false,"example":105},{"name":"dti","type":"number","required":false,"example":38},{"name":"opb","type":"number","required":false},{"name":"loan_interest_rate","type":"number","required":false,"example":6.5},{"name":"original_loan_term_months","type":"number","required":false},{"name":"number_of_borrowers","type":"number","required":false,"example":2},{"name":"upfront_mip_rate","type":"number","required":false,"example":1.75},{"name":"annual_mip_rate","type":"number","required":false,"example":0.55},{"name":"agency","type":"string","required":false,"allowed_values":["F","N","R","V"],"example":"F"},{"name":"loan_purpose","type":"string","required":false,"allowed_values":["1","2","3","4","5"],"example":"1"},{"name":"refinance_type","type":"string","required":false,"allowed_values":["1","2","3"],"example":"1"},{"name":"property_type","type":"string","required":false,"allowed_values":["1","2","3","4"],"example":"1"},{"name":"first_time_home_buyer","type":"string","required":false,"allowed_values":["N","Y"],"example":"N"},{"name":"third_party_origination_type","type":"string","required":false,"allowed_values":["1","2","3"],"example":"1"},{"name":"down_payment_assistance","type":"string","required":false,"allowed_values":["N","Y"],"example":"N"},{"name":"buy_down_status","type":"string","required":false,"allowed_values":["N","Y"],"example":"N"},{"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":"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":"msa","type":"string","required":false},{"name":"seller_issuer_id","type":"string","required":false,"allowed_values_sample":["1442","1798","1811","1864","1977","1990","1997","2397","2454","2520","2546","2706"],"allowed_values_count":201,"example":"1442"}],"example_payload":{"credit_score":720,"ltv":80,"cltv":105,"dti":38,"loan_interest_rate":6.5,"number_of_borrowers":2,"upfront_mip_rate":1.75,"annual_mip_rate":0.55,"agency":"F","loan_purpose":"1","refinance_type":"1","property_type":"1","first_time_home_buyer":"N","third_party_origination_type":"1","down_payment_assistance":"N","buy_down_status":"N","origination_year":"2018","origination_month":"01","state":"AK","seller_issuer_id":"1442"},"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":"gnma_epd_probability","type":"number","description":"Calibrated probability (0-1)."},{"name":"probability","type":"number","description":"Alias of gnma_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."}}}