{"model":"homeready","endpoint":"/api/score_homeready_propensity","method":"POST","content_type":"application/json","info_endpoint":"/api/score_homeready_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":["N","Y"],"example":"N"},{"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":["B","C","R"],"example":"B"},{"name":"amort_type","type":"string","required":false,"allowed_values":["FRM"],"example":"FRM"},{"name":"mi_type","type":"string","required":false,"allowed_values":["1","2","3","MISSING"],"example":"1"},{"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":["0","10420","10580","10740","10900","11100","11260","11460","11540","11700","12060","12100"],"allowed_values_count":201,"example":"0"},{"name":"seller","type":"string","required":false,"allowed_values_sample":["Academy Mortgage Corporation","AmeriHome Mortgage Company, LLC","Amerihome Mortgage Company, Llc","Amerisave Mortgage Corporation","Bay Equity, Llc","Better Mortgage Corporation","Broker Solutions, Inc. Dba New American Funding","Broker Solutions, Inc. dba New American Funding","Bvrt Trust","Caliber Home Loans, Inc.","Cardinal Financial Company, Limited Partnership","CitiMortgage, Inc."],"allowed_values_count":72,"example":"Academy Mortgage Corporation"},{"name":"zip3","type":"string","required":false,"allowed_values_sample":["018","021","028","030","060","064","070","074","077","080","087","088"],"allowed_values_count":201,"example":"018"}],"example_payload":{"fico":680,"dti":38,"ltv":80,"cltv":105,"loan_term":360,"rate":6.75,"upb":285000,"num_borrowers":1,"fthb":"N","property_type":"CO","occupancy":"P","channel":"B","amort_type":"FRM","mi_type":"1","state":"AK","msa":"0","seller":"Academy Mortgage Corporation","zip3":"018"},"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":"homeready_probability","type":"number","description":"Calibrated probability (0-1)."},{"name":"probability","type":"number","description":"Alias of homeready_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."}}}