The Credit Risk API from LendAPI — 1 operation(s) for credit risk.
openapi: 3.1.0
info:
title: lendapi Amortization Credit Risk API
version: '1.0'
servers:
- url: https://app.lendapi.com/api/v1/
security:
- sec0: []
tags:
- name: Credit Risk
paths:
/credit_risk/integrated_function_2/:
post:
summary: integrated function
description: This is a machine learning restful api which returns the subprime risk scores.
operationId: integrated-function
requestBody:
content:
application/json:
schema:
type: object
properties:
xml_file:
type: string
description: This is the input xml file
format: binary
model_name:
type: string
description: 'The model name, for example: xgb_model'
responses:
'200':
description: '200'
content:
application/json:
examples:
Result:
value: "{\n \"object\": \"credit_risk\",\n \"url\": \"/v1/credit_risk/integrated_function_2/\",\n \"rule_table\": {\n \"Application_ID\": [\n 5307482\n ],\n \"Rule_ID\": [\n 1\n ],\n \"Rule_Description\": [\n \"If xgb model score is non-missing and > 0.2 then decline\"\n ],\n \"Rule_Value\": [\n 0.6081843376159668\n ],\n \"Rule_Result__Decline_yn\": [\n 1\n ],\n \"Reason_1\": [\n \"Percentage of tradelines that defaulted recently is too high\"\n ],\n \"Reason_2\": [\n \"Loans with late payment in the last 7 years\"\n ],\n \"Reason_3\": [\n \"Number of trades opened in the last 12 months ever 30 or more days delinquent or derogatory\"\n ],\n \"Reason_4\": [\n \"Number of trades ever 30 or more days delinquent or derogatory occurred recently\"\n ]\n },\n \"rule_json\": {\n \"Application_ID\": 5307482,\n \"Rule_ID\": 1,\n \"Rule_Description\": \"If xgb model score is non-missing and > 0.2 then decline\",\n \"Rule_Value\": 0.6081843376,\n \"Rule_Result__Decline_yn\": 1,\n \"Reason_1\": \"Percentage of tradelines that defaulted recently is too high\",\n \"Reason_2\": \"Loans with late payment in the last 7 years\",\n \"Reason_3\": \"Number of trades opened in the last 12 months ever 30 or more days delinquent or derogatory\",\n \"Reason_4\": \"Number of trades ever 30 or more days delinquent or derogatory occurred recently\"\n },\n \"xml_raw_attributes\": {\n \"ID\": [\n 5307482\n ],\n \"tracking-number\": [\n \"wbj6pwje93\"\n ],\n \"action\": [\n \"Approve\"\n ],\n \"deny-codes/nil\": [\n \"true\"\n ],\n \"deny-descriptions/nil\": [\n \"true\"\n ],\n \"exception-descriptions/nil\": [\n \"true\"\n ],\n \"filter-codes/nil\": [\n \"true\"\n ],\n \"filter-descriptions/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/action\": [\n \"Approve\"\n ],\n \"clear-bank-behavior/deny-codes/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/deny-descriptions/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/exception-descriptions/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/cbb-score\": [\n \"781\"\n ],\n \"clear-bank-behavior/cbb-reason-code-description\": [\n \"(BB115) Length of time since last check cashing activity|(BB109(*)) Number of bank account opening attempts in last 6 months|(BB110(*)) Number of bank account opening attempts in last 3 years|(BB108(*)) Number of bank account closures in last 5 years\"\n ],\n \"clear-bank-behavior/estimated-bank-history\": [\n \"1774\"\n ],\n \"clear-bank-behavior/number-of-accounts-all\": [\n \"4\"\n ],\n \"clear-bank-behavior/number-of-accounts-active\": [\n \"1\"\n ],\n \"clear-bank-behavior/number-of-accounts-with-check-history\": [\n \"1\"\n ],\n \"clear-bank-behavior/positive-check-writing-history\": [\n \"true\"\n ],\n \"clear-bank-behavior/check-cashing-history\": [\n \"true\"\n ],\n \"clear-bank-behavior/days-since-last-check-cashing-activity\": [\n \"123\"\n ],\n \"clear-bank-behavior/days-since-last-successful-check-cashed\": [\n \"123\"\n ],\n \"clear-bank-behavior/number-of-accounts-at-high-risk-banks\": [\n \"0\"\n ],\n \"clear-bank-behavior/number-of-high-risk-accounts\": [\n \"0\"\n ],\n \"clear-bank-behavior/number-of-low-risk-accounts\": [\n \"2\"\n ],\n \"clear-bank-behavior/number-of-unknown-risk-accounts\": [\n \"2\"\n ],\n \"clear-bank-behavior/number-of-accounts-with-default-history\": [\n \"1\"\n ],\n \"clear-bank-behavior/number-of-accounts-linked-to-fraud\": [\n \"0\"\n ],\n \"clear-bank-behavior/number-of-accounts-with-alternate-ssns\": [\n \"0\"\n ],\n \"clear-bank-behavior/max-number-of-ssns-with-micr\": [\n \"1\"\n ],\n \"clear-bank-behavior/reason-code-description\": [\n \"(A01(#)) Primary account has retail check writing history|(A03(#)) Primary account has positive retail check writing history|(A08) Primary account first seen by Clarity in 61-90 days|(B05) Secondary account ownership confirmed\"\n ],\n \"clear-bank-behavior/cbb-non-scorable-reason/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/cbb-non-scorable-reason-description/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/cbb-score2\": [\n \"802\"\n ],\n \"clear-bank-behavior/cbb-reason-code-description2\": [\n \"(BB207(*)) Number of bank account closures in last 3 years|(BB206) High risk banking institution|(BB202) Length of time since a prior bank account was first submitted|(BB204) Length of time since current bank account was first submitted\"\n ],\n \"clear-bank-behavior/full-name\": [\n \"MCCLENDON, STEPHANIE \"\n ],\n \"clear-bank-behavior/product-date\": [\n \"2023-06-30T01:34:36Z\"\n ],\n \"clear-bank-behavior/filter-codes/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/filter-descriptions/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/consumer-privacy-message-text\": [\n \"NO CONSUMER PRIVACY DATA ON FILE\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/error-details/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/avg-number-days-between-closure-5-years-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/consumer-dispute-quantity-5-years-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/consumer-dispute-resolved-quantity-5-years-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-days-since-first-closure-5-years-ago\": [\n \"323\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-days-since-most-recent-closure-5-years-ago\": [\n \"323\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/no-closures\": [\n \"false\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/avg-number-of-checks-ordered/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-of-days-since-first-order/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-of-days-since-most-recent-order/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-of-different-accounts/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/consumer-statement-text1/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/consumer-statement-text2/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/consumer-statement-text3/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/driver-license-validation-message-text/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/government-number-validation-message-text\": [\n \"BECAME AVAILABLE FOR ISSUANCE IN 1976 IN IN\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/debit-bureau-reason-codes\": [\n \"EK|EB|EH|ED\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/debit-bureau-reason-texts\": [\n \"DDA CLOSURE PAYMENT HISTORY|DDA HISTORY|UNIQUE FI DDA INQUIRY HISTORY|DDA CLOSURE(S)\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/debit-bureau-score\": [\n \"540\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/episode-span-all-item-total-number-of-days-3-years-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/max-amount-open-item-3-years-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/max-amount-paid-item-3-years-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/max-number-days-to-pay-3-years-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/min-check-number-on-open-item-3-years-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/min-number-days-to-pay-3-years-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-days-most-recent-open-item-3-years-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-days-most-recent-paid-item-3-years-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/no-returned-checks\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-of-inquiries-in-3-years-ago-dda-and-non-dda\": [\n \"10\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/no-previous-inquiry-dda-and-non-dda\": [\n \"false\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/no-debit-data-found\": [\n \"false\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-of-days-since-first-inquiry/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-of-days-since-last-inquiry/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/no-previous-inquiry\": [\n \"false\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/no-non-dda-auto-previous-inquiry\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/no-non-dda-credit-previous-inquiry\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/closures/closure/routing-number\": [\n \"274074257\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/closures/closure/account-number\": [\n \"XXXXXXXXXXXXXXXX9097\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/closures/closure/closure-date\": [\n \"2022-08-10\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/closures/closure/reason-code\": [\n \"6\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/closures/closure/institution-name\": [\n \"FINANCIAL HEALTH FEDERAL CU\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/closures/closure/institution-state\": [\n \"IN\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/closures/closure/amount\": [\n \"79627\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/closures/closure/paid-date\": [\n \"2022-08-10\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/closures/closure/consumer-dispute-text/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/closures/closure/days-since-closed\": [\n \"324\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/closures/closure/days-since-paid-closed\": [\n \"324\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/closures/closure/reason-code-description\": [\n \"(6) ACCOUNT ABUSE\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/closures/closure/matches-clarity-seen-account\": [\n \"false\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-fraud-closures/thirty-days-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-fraud-closures/sixty-days-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-fraud-closures/ninety-days-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-fraud-closures/one-hundred-eighty-days-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-fraud-closures/one-year-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-fraud-closures/two-years-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-fraud-closures/three-years-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-fraud-closures/four-years-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-fraud-closures/five-years-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-fraud-closure/thirty-days-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-fraud-closure/sixty-days-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-fraud-closure/ninety-days-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-fraud-closure/one-hundred-eighty-days-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-fraud-closure/one-year-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-fraud-closure/two-years-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-fraud-closure/three-years-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-fraud-closure/four-years-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-fraud-closure/five-years-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures/thirty-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures/sixty-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures/ninety-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures/one-hundred-eighty-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures/one-year-ago\": [\n \"79627\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures/two-years-ago\": [\n \"79627\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures/three-years-ago\": [\n \"79627\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures/four-years-ago\": [\n \"79627\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures/five-years-ago\": [\n \"79627\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures-paid/thirty-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures-paid/sixty-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures-paid/ninety-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures-paid/one-hundred-eighty-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures-paid/one-year-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures-paid/two-years-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures-paid/three-years-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures-paid/four-years-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures-paid/five-years-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures-unpaid/thirty-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures-unpaid/sixty-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures-unpaid/ninety-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures-unpaid/one-hundred-eighty-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures-unpaid/one-year-ago\": [\n \"79627\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures-unpaid/two-years-ago\": [\n \"79627\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures-unpaid/three-years-ago\": [\n \"79627\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures-unpaid/four-years-ago\": [\n \"79627\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/amount-closures-unpaid/five-years-ago\": [\n \"79627\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures/thirty-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures/sixty-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures/ninety-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures/one-hundred-eighty-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures/one-year-ago\": [\n \"1\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures/two-years-ago\": [\n \"1\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures/three-years-ago\": [\n \"1\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures/four-years-ago\": [\n \"1\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures/five-years-ago\": [\n \"1\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures-paid/thirty-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures-paid/sixty-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures-paid/ninety-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures-paid/one-hundred-eighty-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures-paid/one-year-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures-paid/two-years-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures-paid/three-years-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures-paid/four-years-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures-paid/five-years-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures-unpaid/thirty-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures-unpaid/sixty-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures-unpaid/ninety-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures-unpaid/one-hundred-eighty-days-ago\": [\n \"0\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures-unpaid/one-year-ago\": [\n \"1\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures-unpaid/two-years-ago\": [\n \"1\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures-unpaid/three-years-ago\": [\n \"1\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures-unpaid/four-years-ago\": [\n \"1\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-closures-unpaid/five-years-ago\": [\n \"1\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-of-checks-ordered/thirty-days-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-of-checks-ordered/sixty-days-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-of-checks-ordered/ninety-days-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-of-checks-ordered/one-hundred-eighty-days-ago/nil\": [\n \"true\"\n ],\n \"clear-bank-behavior/fis-chex-advisor/number-of-checks-ordered/one-year-ago/nil\": [\n \"true\"\n ],\n 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