Debt-to-Income ratio API

Compute front-end (housing/income) and back-end (total debt/income) Debt-to-Income ratios from gross monthly income, returning both ratios as decimals and percents, a qualified-mortgage flag (back-end <=43%), and a rating bucket. Answers 'debt-to-income ratio','do I qualify for a mortgage','front-end and back-end DTI'.

Price$0.016per request

MethodPOST

Route/v1/score/credit-dti

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scorecreditdtidebt-to-incomemortgagequalified-mortgageunderwritingconsumer

API URLhttps://x402.hexl.dev/v1/score/credit-dti

Integration docs

Example request

{
  "grossMonthlyIncome": 10000,
  "housingPayment": 2500,
  "otherMonthlyDebt": 1000
}

Example response

{
  "model": "Debt-to-Income (front-end & back-end)",
  "frontEndDti": 0.25,
  "backEndDti": 0.35,
  "frontEndDtiPct": 25,
  "backEndDtiPct": 35,
  "qualifiedMortgage": true,
  "rating": "excellent",
  "interpretation": "Back-end DTI 35% — within the 43% QM limit."
}

Input schema

{
  "type": "object",
  "required": [
    "grossMonthlyIncome",
    "housingPayment"
  ],
  "properties": {
    "grossMonthlyIncome": {
      "type": "number",
      "description": "Gross monthly income",
      "examples": [
        10000
      ]
    },
    "housingPayment": {
      "type": "number",
      "description": "Monthly housing payment (PITI)",
      "examples": [
        2500
      ]
    },
    "otherMonthlyDebt": {
      "type": "number",
      "description": "Other monthly debt payments",
      "default": 0,
      "examples": [
        1000
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}