{"model":"gnma_epo_6mo","endpoint":"/api/score_gnma_epo_6mo","method":"POST","content_type":"application/json","info_endpoint":"/api/score_gnma_epo_6mo/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":"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 per-agency OB rate (FHA 30YR for FHA/USDA/PIH, VA 30YR for VA) (flat-rate forecast). Used to compute refi_incentive_m6 = loan_interest_rate - expected_market_rate_6mo.","example":6.0}],"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"},"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."}}}