{"model":"home_possible","endpoint":"/api/score_homepossible_propensity","method":"POST","content_type":"application/json","info_endpoint":"/api/score_homepossible_propensity/info","request":{"fields":[{"name":"fico","type":"number","required":false,"example":680},{"name":"co_fico","type":"number","required":false},{"name":"dti","type":"number","required":false,"example":38},{"name":"ltv","type":"number","required":false,"example":80},{"name":"cltv","type":"number","required":false,"example":105},{"name":"loan_term","type":"number","required":false,"example":360},{"name":"rate","type":"number","required":false,"example":6.75},{"name":"upb","type":"number","required":false,"example":285000},{"name":"mi_pct","type":"number","required":false},{"name":"units","type":"number","required":false},{"name":"num_borrowers","type":"number","required":false,"example":1},{"name":"fthb","type":"string","required":false,"allowed_values":["9","N","Y"],"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":["P"],"example":"P"},{"name":"channel","type":"string","required":false,"allowed_values":["9","B","C","R"],"example":"9"},{"name":"amort_type","type":"string","required":false,"allowed_values":["FRM"],"example":"FRM"},{"name":"mi_type","type":"string","required":false,"allowed_values":["MISSING"],"example":"MISSING"},{"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,"allowed_values_sample":["10420","10580","10740","10900","11244","11260","11460","11694","11700","12054","12060","12100"],"allowed_values_count":201,"example":"10420"},{"name":"seller","type":"string","required":false,"allowed_values_sample":["AMERIHOME MORTGAGE COMPANY, LLC","AMERISAVE MORTGAGE CORPORATION","BANK OF AMERICA, N.A.","BRANCH BANKING & TRUST COMPANY","BRANCH BANKING AND TRUST COMPANY","CALIBER HOME LOANS, INC.","CITIZENS BANK, NA","CMG MORTGAGE, INC.","CROSSCOUNTRY MORTGAGE, LLC","FAIRWAY INDEPENDENT MORTGAGE CORPORATION","FIFTH THIRD BANK","FIFTH THIRD BANK, NATIONAL ASSOCIATION"],"allowed_values_count":54,"example":"AMERIHOME MORTGAGE COMPANY, LLC"},{"name":"zip3","type":"string","required":false,"allowed_values_sample":["01500","01700","01800","01900","02000","02100","02300","02700","02800","03000","06000","06400"],"allowed_values_count":201,"example":"01500"}],"example_payload":{"fico":680,"dti":38,"ltv":80,"cltv":105,"loan_term":360,"rate":6.75,"upb":285000,"num_borrowers":1,"fthb":"9","property_type":"CO","occupancy":"P","channel":"9","amort_type":"FRM","mi_type":"MISSING","state":"AK","msa":"10420","seller":"AMERIHOME MORTGAGE COMPANY, LLC","zip3":"01500"},"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":"home_possible_probability","type":"number","description":"Calibrated probability (0-1)."},{"name":"probability","type":"number","description":"Alias of home_possible_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."}}}