Create Application

This endpoint creates a new loan between a borrower and a lender. Use it to initiate the lending lifecycle, including borrower profile, loan amount, and repayment configuration. What it does:

Registers a new loan in the system
Accepts borrower, lender, servicer, and loan-specific details
Generates a unique loan ID and blockchain transaction hash

When to use it:

When setting up a new loan agreement
After underwriting approval and before requesting collateral
To capture borrower identity and financial metadata

Request Body

The request body should include loan and borrower details. The Request object contains applicant information, application details, vehicle information, and requested terms. The Response object contains risk assessment results including decision, credit scores, and approved loan terms:

{
  "applicationId": "app-1234-5678-9012",
  "borrowerId": "u123",
  "lenderId": "u456",
  "primaryServicerId": "serv001",
  "secondaryServicerId": "serv002",
  "loanType": "AutoLoan",
  "principalAmount": 28875,
  "loanAmount": 29163.75,
  "collateralType": "Vehicles",
  "encumberedStatus": "Unencumbered",
  "interestRate": 10.83,
  "term": 36,
  "delinquentAmount": 0,
  "delinquentDays": 0,
  "paymentFrequency": "Monthly",
  "installment": 36,
  "originationDate": "2024-06-01",
  "maturityDate": "2027-06-01",
  "firstPaymentDate": "2024-07-01",
  "lastPaymentDate": "2027-06-01",
  "nextPaymentDate": "2024-08-01",
  "defaultProbability": 0.0038,
  "grade": "A",
  "predictedPrincipalPaid": 28821.35,
  "predictedInterestPaid": 4819.16,
  "predictedChargeoffAmount": 53.65,
  "predictedRecoveredAmount": 18.63,
  "predictedGrossCashflow": 33659.14,
  "predictedNetCashflow": 32330.15,
  "predictedYield": 0.1259,
  "apr": 0.1072,
  "fairValuePrice": 29751.11,
  "lendingDecisionReason": "Approved based on risk assessment",
  "creditReportHash": "0xabc123def4567890",
  "retailInstallmentContractHash": "0x0987fedc6543210a",
  "applicantCreditVision": "FICO 753, stable income, low credit utilization",
  "coApplicantCreditVision": "",
  "macroEconomicFeatures": {
    "unemployment": 3.8,
    "cpi": 3.1,
    "fedRate": 5.25
  },
  "Request": {
    "ApplicantInfo": {
      "AddressFull": "8329 74TH, SCOTTSDALE, AZ 85258-2704",
      "AddressTotalMonths": null,
      "ApplicantAddress": "8329 74TH",
      "ApplicantAge": "64",
      "ApplicantCity": "SCOTTSDALE",
      "ApplicantDOB": "19610301",
      "ApplicantEmail": "",
      "ApplicantEmploymentTime": "0.0",
      "ApplicantEmploymentTypes": "NONE,NONE",
      "ApplicantFirstName": "ANA",
      "ApplicantFullAddress": "8329 74TH",
      "ApplicantIncome": "12250.0",
      "ApplicantIncomePrimary": "12250.0",
      "ApplicantLastName": "FLECHA",
      "ApplicantResidencePays": "0.0",
      "ApplicantSSN": "666522638",
      "ApplicantState": "AZ",
      "ApplicantTimeAtResidence": "0.0",
      "ApplicantZip": "85258-2704",
      "County": "Maricopa County",
      "Email": null,
      "EmploymentCompany": "",
      "EmploymentTotalMonths": null,
      "EmploymentType": "NONE",
      "EmploymentWorkPhone": "",
      "EstimatedIncome": "10000.0",
      "HomePhone": "",
      "HousingMonthlyPayment": null,
      "MiddleInitial": "",
      "MonthlyGross": 12250,
      "OtherIncomeAmount": null,
      "OtherIncomeType": "NONE",
      "ReportedIncome": "12250.0",
      "StreetNumber": "8329",
      "UnitNumber": ""
    },
    "ApplicationInfo": {
      "ApplicantNumber": "",
      "ApplicantsNumber": "1",
      "ApplicationID": "1e52f7d9cd61285b587828c2",
      "ApplicationType": "Complete",
      "RefiBool": "n",
      "RequestedLoanID": ""
    },
    "CoApplicantInfo": {
      "CoApplicantSSN": ""
    },
    "DealerInfo": {
      "DealerID": "",
      "DealerName": "",
      "DealerState": ""
    },
    "PartnerInfo": {
      "PartnerName": "simplici-direct",
      "ProgramPartner": "Simplici"
    },
    "RequestedTermsInfo": {
      "RequestedLoanAmount": "28875.000000000004",
      "RequestedLoanBackendProductsAmount": "0.0",
      "RequestedLoanDTI": "0.03535425679536365",
      "RequestedLoanDownPayment": "0.0",
      "RequestedLoanGAP": "0.0",
      "RequestedLoanPTI": "0.1",
      "RequestedLoanPayment": "433.12500000000006",
      "RequestedLoanRate": "18.0",
      "RequestedLoanTerm": "36.0"
    },
    "VehicleInfo": {
      "VehicleAge": "10",
      "VehicleMake": "FORD",
      "VehicleMileage": "10000",
      "VehicleModel": "Fusion",
      "VehicleRetailValue": "35000",
      "VehicleVIN": "3FA6P0H74FR288905",
      "VehicleWholesaleValue": "26250.0",
      "VehicleYear": "2015.0"
    }
  },
  "Response": {
    "ApplicationID": "1e52f7d9cd61285b587828c2",
    "ApplicationType": "Complete",
    "Comments": [],
    "CreditScoreCoapplicant": 0.0,
    "CreditScorePrimary": 753,
    "Date": "2025-12-11",
    "DealerID": "",
    "Decision": "APPROVED",
    "DecisionDate": "2025-12-11 17:21:52",
    "DeclineReason": "",
    "LoanTerms": [
      {
        "AcquisitionFee": 0.0,
        "AssetPrice": 1.01,
        "DEALER_FLAT": "288.75",
        "DefaultProb": 0.0,
        "Description": "Karus Option",
        "Discount": -1.0,
        "FundedAmount": 29163.75,
        "GrossYield": 0.1072,
        "IRR": 0.1023,
        "LTV": 110.0,
        "Participation": null,
        "Payment": 943.01,
        "Rate": 10.83,
        "TermMonths": 36,
        "TotalLoanAmount": 28875.0,
        "VehicleWholesaleValue": 26250.0
      }
    ],
    "Stipulations": [
      "18+ Years Old",
      "Valid Drivers License",
      "Proof of Income",
      "Proof of Insurance",
      "Proof of Residence",
      "3 References",
      "Minimum Downpayment Approved: $1443.75"
    ]
  },
  "Underwriting": {
    "CashflowsCsv": "Month,Scheduled principal payment,Scheduled interest payment,Scheduled payment,Principal paid,Interest paid,Prepay amount,Charge-off amount,Recovered amount,Net loss amount,Servicing fee,Total paid,Gross Cashflow,Total paid (less fees),Net Cashflow,Gross Default (Charge-Off) %,Net Loss %,Delinquent amount,Delinq. Prepay Principal,Delinq. Prepay Interest,Delinq. Default Principal,Delinq. Default Interest,Delinq. One Ahead Default Principal,Delinq. Two Ahead Default Interest,Delinq. One Ahead Default Interest,Delinq. Two Ahead Default Interest,Principal balance,Technology fee,Proportion Default,Proportion Prepay,Starting Remaining Loans,Cumulative charge-off amount,Cumulative net loss amount,Gross charge-off percent,Net loss percent,Date,Original balance,Type,Fees paid (non servicing),Cumulative principal paid,Cumulative interest paid,Cumulative recovered amount,Cumulative total servicing fee,Cumulative total fees paid (non servicing),Cumulative total paid,Cumulative total paid (less fees),Cumulative net cashflow,Month\n0,0.0,0.0,0.0,0.0,0.0,0.0,-34025.0,0.0,-34025.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,34025.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,2025-12-11,34025.0,Projected,0,0.0,0.0,0.0,0.0,0,0.0,0.0,1.0,0.0,59\n...",
    "CoApplicantCreditBureauPDF": "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...",
    "CoApplicantCreditBureauTradeLines": "",
    "DealTermsInfo": [
      {
        "ApprovedDownPayment": "1299.375",
        "TermsAPR": "0.0783",
        "TermsDTI": "0.1014963550984193",
        "TermsFrontEndLTV": "0.99",
        "TermsLTV": "0.99",
        "TermsLoanAmount": "25987.5",
        "TermsMonthlyPayment": "1173.3303499556364",
        "TermsPTI": "0.09578206938413358",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1371.5625",
        "TermsAPR": "0.0783",
        "TermsDTI": "0.10681758117531562",
        "TermsFrontEndLTV": "1.045",
        "TermsLTV": "1.045",
        "TermsLoanAmount": "27431.25",
        "TermsMonthlyPayment": "1238.5153693976163",
        "TermsPTI": "0.1011032954610299",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1443.75",
        "TermsAPR": "0.0783",
        "TermsDTI": "0.11213880725221191",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.1",
        "TermsLoanAmount": "28875.0",
        "TermsMonthlyPayment": "1303.700388839596",
        "TermsPTI": "0.1064245215379262",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1588.125",
        "TermsAPR": "0.0783",
        "TermsDTI": "0.12278125940600454",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.21",
        "TermsLoanAmount": "31762.5",
        "TermsMonthlyPayment": "1434.0704277235557",
        "TermsPTI": "0.11706697369171883",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1701.25",
        "TermsAPR": "0.0783",
        "TermsDTI": "0.13112015048754766",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.2961904761904761",
        "TermsLoanAmount": "34025.0",
        "TermsMonthlyPayment": "1536.2218434724589",
        "TermsPTI": "0.12540586477326196",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1299.375",
        "TermsAPR": "0.0883",
        "TermsDTI": "0.10246581750641084",
        "TermsFrontEndLTV": "0.99",
        "TermsLTV": "0.99",
        "TermsLoanAmount": "25987.5",
        "TermsMonthlyPayment": "1185.2062644535329",
        "TermsPTI": "0.09675153179212513",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1371.5625",
        "TermsAPR": "0.0883",
        "TermsDTI": "0.10784090260597334",
        "TermsFrontEndLTV": "1.045",
        "TermsLTV": "1.045",
        "TermsLoanAmount": "27431.25",
        "TermsMonthlyPayment": "1251.0510569231735",
        "TermsPTI": "0.10212661689168763",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1443.75",
        "TermsAPR": "0.0883",
        "TermsDTI": "0.11321598770553586",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.1",
        "TermsLoanAmount": "28875.0",
        "TermsMonthlyPayment": "1316.8958493928142",
        "TermsPTI": "0.10750170199125014",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1588.125",
        "TermsAPR": "0.0883",
        "TermsDTI": "0.12396615790466085",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.21",
        "TermsLoanAmount": "31762.5",
        "TermsMonthlyPayment": "1448.5854343320955",
        "TermsPTI": "0.11825187219037514",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1701.25",
        "TermsAPR": "0.0883",
        "TermsDTI": "0.1323894514373086",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.2961904761904761",
        "TermsLoanAmount": "34025.0",
        "TermsMonthlyPayment": "1551.7707801070303",
        "TermsPTI": "0.12667516572302287",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1299.375",
        "TermsAPR": "0.0983",
        "TermsDTI": "0.10344108019585184",
        "TermsFrontEndLTV": "0.99",
        "TermsLTV": "0.99",
        "TermsLoanAmount": "25987.5",
        "TermsMonthlyPayment": "1197.153232399185",
        "TermsPTI": "0.09772679448156613",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1371.5625",
        "TermsAPR": "0.0983",
        "TermsDTI": "0.10887034655593886",
        "TermsFrontEndLTV": "1.045",
        "TermsLTV": "1.045",
        "TermsLoanAmount": "27431.25",
        "TermsMonthlyPayment": "1263.661745310251",
        "TermsPTI": "0.10315606084165314",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1443.75",
        "TermsAPR": "0.0983",
        "TermsDTI": "0.11429961291602586",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.1",
        "TermsLoanAmount": "28875.0",
        "TermsMonthlyPayment": "1330.1702582213168",
        "TermsPTI": "0.10858532720174015",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1588.125",
        "TermsAPR": "0.0983",
        "TermsDTI": "0.1251581456361999",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.21",
        "TermsLoanAmount": "31762.5",
        "TermsMonthlyPayment": "1463.1872840434487",
        "TermsPTI": "0.11944385992191418",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1701.25",
        "TermsAPR": "0.0983",
        "TermsDTI": "0.13366634659876048",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.2961904761904761",
        "TermsLoanAmount": "34025.0",
        "TermsMonthlyPayment": "1567.4127458348157",
        "TermsPTI": "0.12795206088447475",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1299.375",
        "TermsAPR": "0.1083",
        "TermsDTI": "0.10442213170932045",
        "TermsFrontEndLTV": "0.99",
        "TermsLTV": "0.99",
        "TermsLoanAmount": "25987.5",
        "TermsMonthlyPayment": "1209.1711134391755",
        "TermsPTI": "0.09870784599503474",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1371.5625",
        "TermsAPR": "0.1083",
        "TermsDTI": "0.10990590093126683",
        "TermsFrontEndLTV": "1.045",
        "TermsLTV": "1.045",
        "TermsLoanAmount": "27431.25",
        "TermsMonthlyPayment": "1276.3472864080186",
        "TermsPTI": "0.10419161521698111",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1443.75",
        "TermsAPR": "0.1083",
        "TermsDTI": "0.11538967015321322",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.1",
        "TermsLoanAmount": "28875.0",
        "TermsMonthlyPayment": "1343.5234593768619",
        "TermsPTI": "0.10967538443892749",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1588.125",
        "TermsAPR": "0.1083",
        "TermsDTI": "0.12635720859710595",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.21",
        "TermsLoanAmount": "31762.5",
        "TermsMonthlyPayment": "1477.875805314548",
        "TermsPTI": "0.12064292288282025",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1701.25",
        "TermsAPR": "0.1083",
        "TermsDTI": "0.13495082097089203",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.2961904761904761",
        "TermsLoanAmount": "34025.0",
        "TermsMonthlyPayment": "1583.1475568934275",
        "TermsPTI": "0.12923653525660633",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1299.375",
        "TermsAPR": "0.1183",
        "TermsDTI": "0.1054089601681685",
        "TermsFrontEndLTV": "0.99",
        "TermsLTV": "0.99",
        "TermsLoanAmount": "25987.5",
        "TermsMonthlyPayment": "1221.259762060064",
        "TermsPTI": "0.09969467445388278",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1371.5625",
        "TermsAPR": "0.1183",
        "TermsDTI": "0.11094755319338422",
        "TermsFrontEndLTV": "1.045",
        "TermsLTV": "1.045",
        "TermsLoanAmount": "27431.25",
        "TermsMonthlyPayment": "1289.1075266189566",
        "TermsPTI": "0.1052332674790985",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1443.75",
        "TermsAPR": "0.1183",
        "TermsDTI": "0.11648614621859991",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.1",
        "TermsLoanAmount": "28875.0",
        "TermsMonthlyPayment": "1356.955291177849",
        "TermsPTI": "0.1107718605043142",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1588.125",
        "TermsAPR": "0.1183",
        "TermsDTI": "0.12756333226903133",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.21",
        "TermsLoanAmount": "31762.5",
        "TermsMonthlyPayment": "1492.6508202956338",
        "TermsPTI": "0.12184904655474561",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1701.25",
        "TermsAPR": "0.1183",
        "TermsDTI": "0.13624285900118757",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.2961904761904761",
        "TermsLoanAmount": "34025.0",
        "TermsMonthlyPayment": "1598.9750227645477",
        "TermsPTI": "0.13052857328690184",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1299.375",
        "TermsAPR": "0.1283",
        "TermsDTI": "0.10640155327650613",
        "TermsFrontEndLTV": "0.99",
        "TermsLTV": "0.99",
        "TermsLoanAmount": "25987.5",
        "TermsMonthlyPayment": "1233.4190276372",
        "TermsPTI": "0.10068726756222042",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1371.5625",
        "TermsAPR": "0.1283",
        "TermsDTI": "0.11199529036329614",
        "TermsFrontEndLTV": "1.045",
        "TermsLTV": "1.045",
        "TermsLoanAmount": "27431.25",
        "TermsMonthlyPayment": "1301.9423069503778",
        "TermsPTI": "0.10628100464901043",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1443.75",
        "TermsAPR": "0.1283",
        "TermsDTI": "0.11758902745008618",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.1",
        "TermsLoanAmount": "28875.0",
        "TermsMonthlyPayment": "1370.4655862635557",
        "TermsPTI": "0.11187474173580046",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1588.125",
        "TermsAPR": "0.1283",
        "TermsDTI": "0.12877650162366622",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.21",
        "TermsLoanAmount": "31762.5",
        "TermsMonthlyPayment": "1507.5121448899113",
        "TermsPTI": "0.12306221590938052",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1701.25",
        "TermsAPR": "0.1283",
        "TermsDTI": "0.13754244459084367",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.2961904761904761",
        "TermsLoanAmount": "34025.0",
        "TermsMonthlyPayment": "1614.894946237835",
        "TermsPTI": "0.13182815887655797",
        "TermsTerm": "24.0"
      },
      {
        "ApprovedDownPayment": "1299.375",
        "TermsAPR": "0.0783",
        "TermsDTI": "0.0720259007295712",
        "TermsFrontEndLTV": "0.99",
        "TermsLTV": "0.99",
        "TermsLoanAmount": "25987.5",
        "TermsMonthlyPayment": "812.3172839372472",
        "TermsPTI": "0.06631161501528549",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1371.5625",
        "TermsAPR": "0.0783",
        "TermsDTI": "0.0757098793415315",
        "TermsFrontEndLTV": "1.045",
        "TermsLTV": "1.045",
        "TermsLoanAmount": "27431.25",
        "TermsMonthlyPayment": "857.4460219337609",
        "TermsPTI": "0.06999559362724579",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1443.75",
        "TermsAPR": "0.0783",
        "TermsDTI": "0.0793938579534918",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.1",
        "TermsLoanAmount": "28875.0",
        "TermsMonthlyPayment": "902.5747599302746",
        "TermsPTI": "0.07367957223920608",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1588.125",
        "TermsAPR": "0.0783",
        "TermsDTI": "0.08676181517741241",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.21",
        "TermsLoanAmount": "31762.5",
        "TermsMonthlyPayment": "992.832235923302",
        "TermsPTI": "0.0810475294631267",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1701.25",
        "TermsAPR": "0.0783",
        "TermsDTI": "0.09108271819935228",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.2961904761904761",
        "TermsLoanAmount": "34025.0",
        "TermsMonthlyPayment": "1143.6526460278303",
        "TermsPTI": "0.09335939967574125",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1299.375",
        "TermsAPR": "0.0883",
        "TermsDTI": "0.07246181750641084",
        "TermsFrontEndLTV": "0.99",
        "TermsLTV": "0.99",
        "TermsLoanAmount": "25987.5",
        "TermsMonthlyPayment": "818.3172839372472",
        "TermsPTI": "0.06675153179212513",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1371.5625",
        "TermsAPR": "0.0883",
        "TermsDTI": "0.07614579611837114",
        "TermsFrontEndLTV": "1.045",
        "TermsLTV": "1.045",
        "TermsLoanAmount": "27431.25",
        "TermsMonthlyPayment": "863.4460219337609",
        "TermsPTI": "0.07043551040418543",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1443.75",
        "TermsAPR": "0.0883",
        "TermsDTI": "0.07982977473033144",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.1",
        "TermsLoanAmount": "28875.0",
        "TermsMonthlyPayment": "908.5747599302746",
        "TermsPTI": "0.07411948901624573",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1588.125",
        "TermsAPR": "0.0883",
        "TermsDTI": "0.08719773195425184",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.21",
        "TermsLoanAmount": "31762.5",
        "TermsMonthlyPayment": "998.832235923302",
        "TermsPTI": "0.08348744624016613",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1701.25",
        "TermsAPR": "0.0883",
        "TermsDTI": "0.09162571819935228",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.2961904761904761",
        "TermsLoanAmount": "34025.0",
        "TermsMonthlyPayment": "1149.6526460278303",
        "TermsPTI": "0.08791543248526657",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1299.375",
        "TermsAPR": "0.0983",
        "TermsDTI": "0.07289773428325046",
        "TermsFrontEndLTV": "0.99",
        "TermsLTV": "0.99",
        "TermsLoanAmount": "25987.5",
        "TermsMonthlyPayment": "824.3172839372472",
        "TermsPTI": "0.06718744756896443",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1371.5625",
        "TermsAPR": "0.0983",
        "TermsDTI": "0.07658171289521076",
        "TermsFrontEndLTV": "1.045",
        "TermsLTV": "1.045",
        "TermsLoanAmount": "27431.25",
        "TermsMonthlyPayment": "869.4460219337609",
        "TermsPTI": "0.07087122600702476",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1443.75",
        "TermsAPR": "0.0983",
        "TermsDTI": "0.08026569150717106",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.1",
        "TermsLoanAmount": "28875.0",
        "TermsMonthlyPayment": "914.5747599302746",
        "TermsPTI": "0.07455500444508509",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1588.125",
        "TermsAPR": "0.0983",
        "TermsDTI": "0.08763364873109146",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.21",
        "TermsLoanAmount": "31762.5",
        "TermsMonthlyPayment": "1004.832235923302",
        "TermsPTI": "0.08192296141700556",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1701.25",
        "TermsAPR": "0.0983",
        "TermsDTI": "0.0920616349760919",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.2961904761904761",
        "TermsLoanAmount": "34025.0",
        "TermsMonthlyPayment": "1155.6526460278303",
        "TermsPTI": "0.086350947241106",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1299.375",
        "TermsAPR": "0.1083",
        "TermsDTI": "0.07333365106019108",
        "TermsFrontEndLTV": "0.99",
        "TermsLTV": "0.99",
        "TermsLoanAmount": "25987.5",
        "TermsMonthlyPayment": "830.3172839372472",
        "TermsPTI": "0.06762336434590405",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1371.5625",
        "TermsAPR": "0.1083",
        "TermsDTI": "0.07701762967215138",
        "TermsFrontEndLTV": "1.045",
        "TermsLTV": "1.045",
        "TermsLoanAmount": "27431.25",
        "TermsMonthlyPayment": "875.4460219337609",
        "TermsPTI": "0.07130714278396438",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1443.75",
        "TermsAPR": "0.1083",
        "TermsDTI": "0.08070160828411168",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.1",
        "TermsLoanAmount": "28875.0",
        "TermsMonthlyPayment": "920.5747599302746",
        "TermsPTI": "0.07499092122202471",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1588.125",
        "TermsAPR": "0.1083",
        "TermsDTI": "0.08806956550803208",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.21",
        "TermsLoanAmount": "31762.5",
        "TermsMonthlyPayment": "1010.832235923302",
        "TermsPTI": "0.08235887859394518",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1701.25",
        "TermsAPR": "0.1083",
        "TermsDTI": "0.09249755175303252",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.2961904761904761",
        "TermsLoanAmount": "34025.0",
        "TermsMonthlyPayment": "1161.6526460278303",
        "TermsPTI": "0.08678686299694572",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1299.375",
        "TermsAPR": "0.1183",
        "TermsDTI": "0.0737695678371317",
        "TermsFrontEndLTV": "0.99",
        "TermsLTV": "0.99",
        "TermsLoanAmount": "25987.5",
        "TermsMonthlyPayment": "836.3172839372472",
        "TermsPTI": "0.06805928112284367",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1371.5625",
        "TermsAPR": "0.1183",
        "TermsDTI": "0.077453546449092",
        "TermsFrontEndLTV": "1.045",
        "TermsLTV": "1.045",
        "TermsLoanAmount": "27431.25",
        "TermsMonthlyPayment": "881.4460219337609",
        "TermsPTI": "0.07174345956090399",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1443.75",
        "TermsAPR": "0.1183",
        "TermsDTI": "0.0811375250610523",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.1",
        "TermsLoanAmount": "28875.0",
        "TermsMonthlyPayment": "926.5747599302746",
        "TermsPTI": "0.07542763799896429",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1588.125",
        "TermsAPR": "0.1183",
        "TermsDTI": "0.0885054822849727",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.21",
        "TermsLoanAmount": "31762.5",
        "TermsMonthlyPayment": "1016.832235923302",
        "TermsPTI": "0.08279559537088478",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1701.25",
        "TermsAPR": "0.1183",
        "TermsDTI": "0.09293346852997314",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.2961904761904761",
        "TermsLoanAmount": "34025.0",
        "TermsMonthlyPayment": "1167.6526460278303",
        "TermsPTI": "0.08722355275288532",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1299.375",
        "TermsAPR": "0.1283",
        "TermsDTI": "0.07420548461407232",
        "TermsFrontEndLTV": "0.99",
        "TermsLTV": "0.99",
        "TermsLoanAmount": "25987.5",
        "TermsMonthlyPayment": "842.3172839372472",
        "TermsPTI": "0.06849519789978329",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1371.5625",
        "TermsAPR": "0.1283",
        "TermsDTI": "0.07788946322603262",
        "TermsFrontEndLTV": "1.045",
        "TermsLTV": "1.045",
        "TermsLoanAmount": "27431.25",
        "TermsMonthlyPayment": "887.4460219337609",
        "TermsPTI": "0.07217937633784362",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1443.75",
        "TermsAPR": "0.1283",
        "TermsDTI": "0.08157344183799292",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.1",
        "TermsLoanAmount": "28875.0",
        "TermsMonthlyPayment": "932.5747599302746",
        "TermsPTI": "0.07586355477590392",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1588.125",
        "TermsAPR": "0.1283",
        "TermsDTI": "0.08894139906191332",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.21",
        "TermsLoanAmount": "31762.5",
        "TermsMonthlyPayment": "1022.832235923302",
        "TermsPTI": "0.08223151214782442",
        "TermsTerm": "36.0"
      },
      {
        "ApprovedDownPayment": "1701.25",
        "TermsAPR": "0.1283",
        "TermsDTI": "0.09336938530691376",
        "TermsFrontEndLTV": "1.1",
        "TermsLTV": "1.2961904761904761",
        "TermsLoanAmount": "34025.0",
        "TermsMonthlyPayment": "1173.6526460278303",
        "TermsPTI": "0.08665946950682526",
        "TermsTerm": "36.0"
      }
    ],
    "PrimaryCreditBureauPDF": "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...",
    "PrimaryCreditBureauTradeLines": "subscriber,account_type,member,account_num,opened,closed,payment,terms,portfolio_type,balance,high_balance,past_due,rating,30dpd,60dpd,90dpd,account_class,today,age,age_closed,seasoned\nJPMCB CARD,FX,0...",
    "PrimaryCreditInfo": {
      "CreditScore": "753.0",
      "ApplicantCreditReportDate": "2025-12-11",
      "FileSummaryFileHitIndicator": "regularHit",
      "FileSummarySsnMatchIndicator": "exact",
      "FileSummaryInFileSinceDate": "1999-05-01",
      "FileSummaryMarket": "29",
      "FileSummarySubmarket": "AZ",
      "FileSummaryConsumerStatementIndicator": "False",
      "CreditDataStatusSuppressed": "False",
      "InFileSinceDate": "1999-05-01",
      "TrackingTransactionTimeStamp": "2025-11-17T12:12:46.001-06:00",
      "AGG101": "2483",
      "AGG102": "7279",
      "AGG103": "8231",
      "AGG104": "14885",
      "AGG105": "8124",
      "AGG201": "14000",
      "AGG202": "29000",
      "AGG203": "29000",
      "AGG301": "0",
      "AGG302": "0",
      "AGG401": "2675",
      "AGG402": "6763",
      "AGG501": "2483",
      "AGG502": "7279",
      "AGG601": "14000",
      "AGG602": "29000",
      "AGG701": "0",
      "AGG702": "0",
      "AGG801": "2675",
      "AGG802": "6763",
      "AGG901": "0",
      "AGG902": "3",
      "AGG903": "0",
      "AGG904": "1",
      "AGG905": "23.74",
      "AGG906": "34.62",
      "AGGS101": "2455",
      "AGGS102": "5811",
      "AGGS103": "6186",
      "AT01A": "2",
      "AT01S": "12",
      "AT02S": "2",
      "AT03S": "2",
      "AT101B": "7059",
      "AT101S": "7059",
      "AT103S": "100",
      "AU01S": "2",
      "AU02S": "0",
      "AU03S": "-3",
      "BC01S": "5",
      "BC02S": "2",
      "BC03S": "2",
      "BC101S": "7059",
      "BC102S": "14500",
      "BR01S": "5",
      "BR02S": "2",
      "BR03S": "2",
      "CV01": "-1",
      "CV02": "24",
      "CV03": "-1",
      "CV19": "7059",
      "CV20": "70",
      "FC01S": "1",
      "FC02S": "0",
      "FC03S": "1",
      "FI01S": "2",
      "FI02S": "0",
      "FI03S": "-3",
      "G001B": "0",
      "G001C": "0",
      "G001S": "0",
      "G020S": "4",
      "G041C": "1",
      "G041S": "1",
      "G199B": "25",
      "G199S": "25",
      "G200B": "36",
      "G200S": "36",
      "G201A": "21941",
      "G201B": "-2",
      "HI01S": "0",
      "HI02S": "-1",
      "HR01S": "0",
      "HR02S": "-1",
      "IN01S": "2",
      "IN02S": "0",
      "IN03S": "-3",
      "INDEX01": "97",
      "INDEX02": "59",
      "JT01S": "2",
      "JT02S": "0",
      "JT03S": "-3",
      "LM01S": "0",
      "LM02S": "-1",
      "MT01S": "5",
      "MT02S": "0",
      "MT03S": "-3",
      "OF01S": "0",
      "OF02S": "-1",
      "PAYMNT01": "-2",
      "PAYMNT02": "-2",
      "PAYMNT07": "50.0",
      "PB01S": "2",
      "PB02S": "2",
      "PB03S": "2",
      "RE01S": "5",
      "RE02S": "2",
      "RE03S": "2",
      "RE101S": "7059",
      "RE102S": "14500",
      "REVS101": "2455",
      "REVS102": "5811",
      "REVS103": "6186",
      "RP01S": "0",
      "RP02S": "-1",
      "RT01S": "0",
      "RT02S": "-1",
      "RVDEX01": "97",
      "RVDEX02": "59",
      "RVLR01": "0.0",
      "RVLR02": "-1.0",
      "RVLR29": "2483",
      "S004S": "133",
      "S043S": "0",
      "S061S": "22",
      "SE01S": "0",
      "SE02S": "-1",
      "ST01S": "0",
      "ST02S": "-1",
      "TRD": "12",
      "TRV01": "999",
      "TRV02": "0",
      "US01S": "0",
      "US02S": "-1",
      "WALSHR01": "0",
      "WALSHR02": "0",
      "WALSHR03": "3",
      "WALSHRS1": "100",
      "WALSHRS2": "35",
      "... (and 800+ more credit bureau fields including all AGG*, AGGS*, AT*, AU*, BC*, BR*, CV*, FC*, FI*, FR*, G*, HI*, HR*, IN*, JT*, LM*, MD*, MT*, OF*, PAYMNT*, PB*, RE*, RETS*, REVS*, RP*, RT*, RVDEX*, RVLR*, S*, SE*, ST*, TRD*, TRV*, US*, WALSHR*, WALSRTS*, WALSRVS* fields - all 1136+ fields from the credit bureau response are included)"
    },
    "UnderwritingInfo": [
      {
        "AllWarnings": "",
        "CollateralDefaultProb": "0.01336626535589079",
        "DecisionReason": "APPLICATION DOES NOT MEET PROGRAM OUTLINES: | APR BELOW MINIMUM| TERM BELOW MINIMUM",
        "DecisionReasonSimple": "Decline Reasons | Information found in credit bureau]",
        "DecisionStatus": "DECLINED",
        "DefaultProb": "0.0016925728545400989",
        "FairValuePrice": "0.985",
        "ForecastChargeoffAmount": "20.566368199932324",
        "ForecastCompoundingIRR": "0.07965357155447661",
        "ForecastCompoundingNetIRR": "0.042714487385988154",
        "ForecastFairValuePrice": "0.9858686990497024",
        "ForecastInterestPaid": "1786.3090078473876",
        "ForecastNetLossAmount": "13.479144452146352",
        "ForecastPresentValue": "26010.419103100652",
        "ForecastPrincipalPaid": "25966.93363180007",
        "ForecastRecoveredAmount": "7.087223747785974",
        "ForecastSimpleIRR": "0.07688548294404551",
        "ForecastSimpleNetIRR": "0.041900378725696186",
        "ForecastTotalPaid": "27760.32986339524",
        "ForecastTotalPaidLessFees": "26953.642087552485",
        "SolventProb": "0.99830742714546",
        "TermsApprovedBackEndProducts": "0.0",
        "TermsApprovedFrontEndAmt": "25987.5",
        "TermsApprovedFrontEndLTV": "98.99622871509656",
        "TermsDealerDiscount": "0.015000000000000013",
        "TermsDealerFlat": "0.0",
        "TermsDiscountFee": "389.8125",
        "TermsFundedAmount": "25597.6875",
        "TermsLoanDiscount": "2887.5000000000036",
        "TermsTotalDiscount": "3277.3125000000036",
        "WarningsNumber": "0"
      },
      {
        "AllWarnings": "",
        "CollateralDefaultProb": "0.014317572148598374",
        "DecisionReason": "APPLICATION DOES NOT MEET PROGRAM OUTLINES: | APR BELOW MINIMUM| TERM BELOW MINIMUM",
        "DecisionReasonSimple": "Decline Reasons | Information found in credit bureau]",
        "DecisionStatus": "DECLINED",
        "DefaultProb": "0.0016430045147857524",
        "FairValuePrice": "0.985",
        "ForecastChargeoffAmount": "21.072798730018597",
        "ForecastCompoundingIRR": "0.079672894780205",
        "ForecastCompoundingNetIRR": "0.042733359336033505",
        "ForecastFairValuePrice": "0.9858842502937826",
        "ForecastInterestPaid": "1885.5686809055007",
        "ForecastNetLossAmount": "13.81103719899475",
        "ForecastPresentValue": "27455.87547296581",
        "ForecastPrincipalPaid": "27410.177201269977",
        "ForecastRecoveredAmount": "7.261761531023851",
        "ForecastSimpleIRR": "0.07690349508517347",
        "ForecastSimpleNetIRR": "0.04191854063706835",
        "ForecastTotalPaid": "29303.007643706504",
        "ForecastTotalPaidLessFees": "28451.508076930633",
        "SolventProb": "0.9983569954852143",
        "TermsApprovedBackEndProducts": "0.0",
        "TermsApprovedFrontEndAmt": "27431.25",
        "TermsApprovedFrontEndLTV": "104.4960191992686",
        "TermsDealerDiscount": "0.015000000000000013",
        "TermsDealerFlat": "0.0",
        "TermsDiscountFee": "411.46875",
        "TermsFundedAmount": "27019.78125",
        "TermsLoanDiscount": "1443.7500000000036",
        "TermsTotalDiscount": "1855.2187500000036",
        "WarningsNumber": "0"
      },
      {
        "AllWarnings": "",
        "CollateralDefaultProb": "0.025768364019160397",
        "DecisionReason": "",
        "DecisionReasonSimple": "",
        "DecisionStatus": "APPROVED",
        "DefaultProb": "0.0038391412595749734",
        "FairValuePrice": "1.01",
        "ForecastChargeoffAmount": "53.64759247686432",
        "ForecastCompoundingIRR": "0.13345275863242834",
        "ForecastCompoundingNetIRR": "0.09483225736178147",
        "ForecastFairValuePrice": "1.040644729219909",
        "ForecastInterestPaid": "4819.160498780415",
        "ForecastNetLossAmount": "35.020800528969865",
        "ForecastPresentValue": "29751.105501212747",
        "ForecastPrincipalPaid": "28821.352407523133",
        "ForecastRecoveredAmount": "18.626791947894457",
        "ForecastSimpleIRR": "0.12592463545450983",
        "ForecastSimpleNetIRR": "0.0909440480803152",
        "ForecastTotalPaid": "33659.13969825145",
        "ForecastTotalPaidLessFees": "32330.15064727478",
        "SolventProb": "0.996160858740425",
        "TermsApprovedBackEndProducts": "0.0",
        "TermsApprovedFrontEndAmt": "28875.0",
        "TermsApprovedFrontEndLTV": "109.99580968344063",
        "TermsDealerDiscount": "-0.010000000000000009",
        "TermsDealerFlat": "288.7500000000003",
        "TermsDiscountFee": "2.8421709430404007e-13",
        "TermsFundedAmount": "29163.75",
        "TermsLoanDiscount": "3.637978807091713e-12",
        "TermsTotalDiscount": "-288.74999999999636",
        "WarningsNumber": "0"
      }
    ]
  }
}

Note: The UnderwritingInfo array contains all 60 entries (one for each DealTermsInfo entry), and PrimaryCreditInfo contains all 1136+ credit bureau fields. All attributes from the risk assessment API response are included without modification.

## Response

- The API returns the transaction hash and generated loan ID upon success:

```json
{
"transactionHash": "0x5a0c0663a48e3abf16c7f0ee632b57da833e44e02a290fc0920ea2858da31f73",
"loanId": "0xe8767b8fe19bd639e80505bf399e7df57b56c7ecd1f69d5e5499b436ece087ed"
}

Important fields:

installment: Total number of expected repayments (e.g., 12 for monthly repayments over a year)
encumbered_status: Indicates whether the collateral is locked during the loan
payment_frequency: Common values are MONTHLY, WEEKLY, or ONE_TIME
loan_type: Business logic-defined categories (e.g., AUTO, PERSONAL, EDUCATION)

API Documentation

Authentication APIs

Loan Service APIs

Request Body

​Request Body

Request Body