Loan approval score (rubric) API

Transparent 0-100 lending rubric with documented weights — credit score 30%, DTI 25%, LTV 20%, employment tenure 15%, payment history 10% — returning an A-F rating, an approve/manual-review/decline decision, and a per-factor breakdown. Answers 'How strong is this loan application?','Should this loan be approved, reviewed, or declined?'.

Price$0.01per request

MethodPOST

Route/v1/calc/loan-approval-score

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

loanapprovalscoreunderwritingcreditriskrubric

API URLhttps://x402.hexl.dev/v1/calc/loan-approval-score

Integration docs

Example request

{
  "creditScore": 720,
  "dtiPct": 30,
  "ltvPct": 80,
  "employmentYears": 4,
  "delinquencies24mo": 0
}

Example response

{
  "score": 62.91,
  "rating": "C",
  "decision": "manual-review",
  "weights": {
    "creditScore": 0.3,
    "dti": 0.25,
    "ltv": 0.2,
    "employmentTenure": 0.15,
    "paymentHistory": 0.1
  },
  "breakdown": [
    {
      "factor": "creditScore",
      "weight": 0.3,
      "normalized": 0.7636,
      "points": 22.91
    },
    {
      "factor": "dti",
      "weight": 0.25,
      "normalized": 0.4,
      "points": 10
    },
    {
      "factor": "ltv",
      "weight": 0.2,
      "normalized": 0.4,
      "points": 8
    },
    {
      "factor": "employmentTenure",
      "weight": 0.15,
      "normalized": 0.8,
      "points": 12
    },
    {
      "factor": "paymentHistory",
      "weight": 0.1,
      "normalized": 1,
      "points": 10
    }
  ],
  "inputs": {
    "creditScore": 720,
    "dtiPct": 30,
    "ltvPct": 80,
    "employmentYears": 4,
    "delinquencies24mo": 0
  }
}

Input schema

{
  "type": "object",
  "required": [
    "creditScore",
    "dtiPct",
    "ltvPct",
    "employmentYears"
  ],
  "properties": {
    "creditScore": {
      "type": "number",
      "description": "FICO score (300-850).",
      "examples": [
        720
      ]
    },
    "dtiPct": {
      "type": "number",
      "description": "Back-end debt-to-income percent.",
      "examples": [
        30
      ]
    },
    "ltvPct": {
      "type": "number",
      "description": "Loan-to-value percent.",
      "examples": [
        80
      ]
    },
    "employmentYears": {
      "type": "number",
      "description": "Years at current employment.",
      "examples": [
        4
      ]
    },
    "delinquencies24mo": {
      "type": "number",
      "description": "Delinquencies in the last 24 months (default 0).",
      "examples": [
        0
      ]
    }
  }
}

Output schema

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