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Must be 255 characters long or less"}},"additionalProperties":false},"Cubi.ConsumerLending.WebApi.Dto.FundingInstructionSubmissionResponseDto":{"type":"object","properties":{"platformReferenceNumber":{"type":"string","description":"The Platform Reference Number that was provided when the funding instruction was submitted","nullable":true},"fundingInstructionId":{"type":"string","description":"The Funding Instruction Id that will be used in webhooks indicating changes in state to the funding instruction","format":"uuid"}},"additionalProperties":false},"Cubi.ConsumerLending.WebApi.Dto.FundingState":{"enum":["Unfunded","Rejected","SentToRail","Failed","Funded"],"type":"string"},"Cubi.ConsumerLending.WebApi.Dto.FundingSubmissionResponseDto":{"type":"object","properties":{"id":{"type":"string","description":"Funding Submission Id that represents all funding instructions within this submission","format":"uuid"},"fundingInstructions":{"type":"array","items":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.FundingInstructionSubmissionResponseDto"},"description":"List of all the funding instructions that were received as part of this request. This includes the Platform Reference Number that was submitted and the Funding Instruction Id to allow the caller to link any webhooks about the funding instruction to this request","nullable":true}},"additionalProperties":false},"Cubi.ConsumerLending.WebApi.Dto.FundingType":{"enum":["OnDemand","Immediate"],"type":"string"},"Cubi.ConsumerLending.WebApi.Dto.HousingStatus":{"enum":["Own","Rent"],"type":"string"},"Cubi.ConsumerLending.WebApi.Dto.ImmediateFundingInstructionResponseDto":{"type":"object","properties":{"amountToFund":{"type":"number","description":"Amount of money to disburse against the loan","format":"double"},"routingNumber":{"type":"string","description":"Routing number of the account the funds are disbursing to","nullable":true},"accountNumber":{"type":"string","description":"Account number that the funds are disbursing to","nullable":true},"accountName":{"type":"string","description":"The name on the account that the funds are disbursing to","nullable":true},"accountType":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.AccountType"},"receivedDate":{"type":"string","description":"The date that the funding instruction was received on. This value will be in UTC","format":"date-time"},"platformReferenceNumber":{"type":"string","description":"The reference number provided by the API caller","nullable":true}},"additionalProperties":false},"Cubi.ConsumerLending.WebApi.Dto.LoanApplicationAcceptedDto":{"type":"object","properties":{"id":{"type":"string","description":"The id assigned to the application","format":"uuid"},"immediateFundingInstructions":{"type":"array","items":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.FundingInstructionSubmissionResponseDto"},"description":"List of all the immediate funding instructions that were received as part of this request. This includes the Platform Reference Number that was submitted and the Funding Instruction Id to allow the caller to link any webhooks about the funding instruction to this request","nullable":true}},"additionalProperties":false},"Cubi.ConsumerLending.WebApi.Dto.LoanApplicationBorrowerDto":{"required":["annualIncome","city","dateOfBirth","debt","debtToIncomeRatio","ficoScore","fullName","ssn","state","streetAddress","zipCode"],"type":"object","properties":{"ssn":{"minLength":1,"type":"string","description":"Borrower's SSN. This must be between 9 and 11 characters in length and in a valid SSN format"},"fullName":{"minLength":1,"type":"string","description":"Full name of the borrower. Must be 255 characters long or less"},"dateOfBirth":{"type":"string","description":"Borrower's date of birth. 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Must be 255 characters long or less"},"city":{"minLength":1,"type":"string","description":"City portion of the borrower's primary residence address. Must be 255 characters long or less"},"state":{"minLength":1,"type":"string","description":"State portion of the borrower's primary residence address. Must be 2 characters long"},"zipCode":{"minLength":1,"type":"string","description":"Zip Code portion of the borrower's primary residence address"},"homePhoneNumber":{"type":"string","description":"Borrower's home phone number","nullable":true},"workPhoneNumber":{"type":"string","description":"Borrower's work phone number","nullable":true},"cellPhoneNumber":{"type":"string","description":"Borrower's cell phone number","nullable":true},"ficoScore":{"type":"integer","description":"Borrower's FICO score. Must be between 0 and 1000","format":"int32"},"debtToIncomeRatio":{"type":"number","description":"Borrower's Debt to Income ratio. Must be between 0.00 and 100.00","format":"double"},"debt":{"type":"number","description":"Borrower's amount of Debt. Must be greater than 0.00","format":"double"},"creditInquiryCount":{"type":"integer","description":"Number of credit inquiries for this person. This count can be over any time period (i.e. over the last 6 months). If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/programs.","format":"int32"},"nonTraditionalInquiryCount":{"type":"integer","description":"Number of non-traditional credit inquiries for this person. This count can be over any time period (i.e. over the last 6 months). If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/programs.","format":"int32"},"mortgageDelinquencyCount":{"type":"integer","description":"Number of mortgage delinquencies for this person. This count can be over any time period (i.e. over the last 6 months). If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program.","format":"int32"},"thirtyDayLatePaymentCount":{"type":"integer","description":"Number of payments later than 30 days for this person. This count can be over any time period (i.e. over the last 6 months). If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program.","format":"int32"},"sixtyDayLatePaymentCount":{"type":"integer","description":"Number of payments later than 60 days for this person. This count can be over any time period (i.e. over the last 6 months). If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program.","format":"int32"},"tradeDelinquencyCount":{"type":"integer","description":"Number of Currently DQ Trades (any).  his count can be over any time period (i.e. over the last 24 months) If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program.","format":"int32"},"chargeOffCount":{"type":"integer","description":"Number of Chargeoff in months (excluding collections).  his count can be over any time period (i.e. over the last 24 months) If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program.","format":"int32"},"numberOfMonthsSinceAnyThirtyDayLatePayments":{"type":"integer","description":"Number of months since any thirty day late payments have been recorded. If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program.","format":"int32"},"derogatoryRemarkCount":{"type":"integer","description":"Number of derogatory remarks for this person. This count can be over any time period (i.e. over the last 6 months). If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program.","format":"int32"},"hasFiledForBankruptcy":{"type":"boolean","description":"Has this person had a bankruptcy. This value can be over any time period (i.e. over the last 6 months). If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program."},"monthsSinceBankruptcyFiled":{"type":"integer","description":"Number of months since this person last filed for bankruptcy.","format":"int32"},"monthsSinceBankruptcyDismissed":{"type":"integer","description":"Number of months since this person last had a bankruptcy dismissed.","format":"int32"},"monthsSinceBankruptcyStatusDate":{"type":"integer","description":"Number of months since the last bankruptcy status date.","format":"int32"}},"additionalProperties":false},"Cubi.ConsumerLending.WebApi.Dto.LoanApplicationBorrowerResponseDto":{"type":"object","properties":{"id":{"type":"string","description":"The id of the borrower that was included on the application. This is unique to this application. 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Maximum length of 255 characters"},"ein":{"minLength":1,"type":"string","description":"Contractor's EIN or SSN. This must follow the ##-####### pattern (for EIN), or ###-##-#### (for SSN). Additional validation checking for invalid values will be applied"}},"additionalProperties":false},"Cubi.ConsumerLending.WebApi.Dto.LoanApplicationContractorResponseDto":{"type":"object","properties":{"name":{"type":"string","description":"Contractor's name","nullable":true},"ein":{"type":"string","description":"Contractor's EIN","nullable":true}},"additionalProperties":false},"Cubi.ConsumerLending.WebApi.Dto.LoanApplicationCosignerDto":{"required":["annualIncome","city","dateOfBirth","debt","debtToIncomeRatio","ficoScore","fullName","ssn","state","streetAddress","zipCode"],"type":"object","properties":{"ssn":{"minLength":1,"type":"string","description":"Cosigner's SSN. This must be between 9 and 11 characters in length and in a valid SSN format"},"fullName":{"minLength":1,"type":"string","description":"Full name of the cosigner. Must be 255 characters long or less"},"dateOfBirth":{"type":"string","description":"Cosigner's date of birth. 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If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program.","format":"int32"},"tradeDelinquencyCount":{"type":"integer","description":"Number of Currently DQ Trades (any).  his count can be over any time period (i.e. over the last 24 months) If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program.","format":"int32"},"chargeOffCount":{"type":"integer","description":"Number of Chargeoff in months (excluding collections).  his count can be over any time period (i.e. over the last 24 months) If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program.","format":"int32"},"nonTraditionalInquiryCount":{"type":"integer","description":"Number of months since any thirty day late payments have been recorded. 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If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program."},"monthsSinceBankruptcyFiled":{"type":"integer","description":"Number of months since this person last filed for bankruptcy.","format":"int32"},"monthsSinceBankruptcyDismissed":{"type":"integer","description":"Number of months since this person last had a bankruptcy dismissed.","format":"int32"},"monthsSinceBankruptcyStatusDate":{"type":"integer","description":"Number of months since the last bankruptcy status date.","format":"int32"}},"additionalProperties":false},"Cubi.ConsumerLending.WebApi.Dto.LoanApplicationCosignerResponseDto":{"type":"object","properties":{"id":{"type":"string","description":"The id of the cosigner that was included on the application. This is unique to this application. 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application"},"promotionDetails":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.CreateLoanApplicationPromotionDto"},"propertyDetails":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.CreateLoanApplicationPropertyDto"},"programId":{"type":"string","description":"The Combined loan-to-value (CLTV) ration provided on the application","format":"uuid"},"applicationStatus":{"type":"string","description":"The current status of the application in the ingestion and approval process","nullable":true},"borrowers":{"type":"array","items":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.LoanApplicationBorrowerResponseDto"},"description":"List of all borrowers submitted on the application","nullable":true},"cosigners":{"type":"array","items":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.LoanApplicationCosignerResponseDto"},"description":"List of all cosigners submitted on the application","nullable":true},"rejectionReasons":{"type":"array","items":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.ApplicationRejectionReasonResponseDto"},"description":"List of any rejection reasons if the application was rejected and is in the Rejected Application Status state","nullable":true},"fundImmediatelyOnApproval":{"type":"boolean","description":"Indicates that immediate funding was requested when the application was submitted"},"immediateFundingInstructions":{"type":"array","items":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.ImmediateFundingInstructionResponseDto"},"description":"List of funding instructions, that were submitted with the application, indicating what disbursements to perform if the Fund Immediately On Approval flag was set to true","nullable":true},"loanId":{"type":"string","description":"The loan id that this application is associated with. This value will be null if the application has not been processed or has been rejected","format":"uuid","nullable":true},"aanReasons":{"type":"array","items":{"type":"string"},"description":"List of AanReasons submitted for this application.","nullable":true},"contractors":{"type":"array","items":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.LoanApplicationContractorResponseDto"},"description":"List of Contractors submitted for this application","nullable":true},"resultOfCounterOfferProcess":{"type":"boolean","description":"Flag indicating that the application is a result of a counteroffer process being engaged","nullable":true},"monthlyPayment":{"type":"number","description":"Monthly payment for the application","format":"double"},"termLength":{"type":"integer","description":"Loan term for the application input as months","format":"int32"},"merchantDiscountRatePercentage":{"type":"number","description":"Merchant discount rate percentage for the application","format":"double","nullable":true},"merchantDiscountRateAmount":{"type":"number","description":"Merchant discount rate amount (in dollars) for the application","format":"double","nullable":true},"originationFeePercentage":{"type":"number","description":"Origination fee percentage for the application","format":"double","nullable":true},"originationFeeAmount":{"type":"number","description":"Origination fee amount (in dollars) for the application","format":"double","nullable":true},"paymentFactor":{"type":"number","description":"The factor used to calculate the monthly payment","format":"double","nullable":true},"partnerStatus":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.ApplicationPartnerStatus"},"partnerStatusReason":{"type":"string","description":"Optional reason for the partner setting the indicated PartnerStatus state","nullable":true},"acquisitionChannelName":{"type":"string","description":"The channel that the API caller acquired this application from.","nullable":true},"stagedFundingDetails":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.StagedFundingDetailResponseDto"}},"additionalProperties":false},"Cubi.ConsumerLending.WebApi.Dto.LoanCancellationDetailsDto":{"required":["cancellationReason"],"type":"object","properties":{"cancellationReason":{"minLength":1,"type":"string","description":"A text description of why this loan is being cancelled"}},"additionalProperties":false},"Cubi.ConsumerLending.WebApi.Dto.LoanCancellationResponseDto":{"type":"object","properties":{"id":{"type":"string","description":"Loan Cancellation Id","format":"uuid"}},"additionalProperties":false},"Cubi.ConsumerLending.WebApi.Dto.LoanCompletionDetailsDto":{"required":["completionReason","isEarlyCompletion"],"type":"object","properties":{"completionReason":{"minLength":1,"type":"string","description":"A text description of why this loan is being completed"},"isEarlyCompletion":{"type":"boolean","description":"Indicates that the loan is being completed before all funding stages have been disbursed"}},"additionalProperties":false},"Cubi.ConsumerLending.WebApi.Dto.LoanCompletionReponseDto":{"type":"object","properties":{"id":{"type":"string","description":"Loan Completion Id","format":"uuid"}},"additionalProperties":false},"Cubi.ConsumerLending.WebApi.Dto.LoanFundingResponseDto":{"type":"object","properties":{"id":{"type":"string","description":"Funding Instruction Id","format":"uuid"},"submissionId":{"type":"string","description":"The id of the funding submission that this funding instruction was a part of","format":"uuid"},"loanId":{"type":"string","description":"The id of the loan that this funding is associated wtih","format":"uuid"},"applicationId":{"type":"string","description":"The id of the application that this funding's loan was created from","format":"uuid"},"accountNumber":{"type":"string","description":"The account number that funds are disbursing to","nullable":true},"accountName":{"type":"string","description":"The name on the account that funds are disbursing to","nullable":true},"accountType":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.AccountType"},"routingNumber":{"type":"string","description":"the routing number for the account that funds are disbursing to","nullable":true},"amountToFund":{"type":"number","description":"The amount of money to be disbursed in this funding instruction","format":"double"},"fundingType":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.FundingType"},"fundingState":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.FundingState"},"receivedDate":{"type":"string","description":"The date that the funding instruction was received. 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This will include all funding instructions that have been successfully processed by payment rails and all funding instructions that have been sent to the payment rail but have not been returned, cancelled or successfully processed","format":"double"},"originationFeeAmount":{"type":"number","description":"The origination fee amount for the loan. The total fundable amount on the loan will be the ApprovedAmount less the OriginationFeeAmount","format":"double","nullable":true},"promotionExpiryDate":{"type":"string","description":"The calculated expiry date for the loan. If no Promotion Months value was provided with the application this will be null. If a Promotion Months value was provided this date is calculated by adding Promotion Months to the date the first funding instruction to be set to either the Funded or SentToRail state was sent to the payment rail. If no funding has been set to the Funded or SentToRail state then this value will be null.","format":"date-time","nullable":true},"merchantDiscountRateAmount":{"type":"number","description":"Merchant discount rate (MRD) amount (in dollars) provided on the application. This amount is subtracted from the ApprovedLoanAmount to determine the maximum amount of funds that can be disbursed on an application. If there was no MDR this will return 0.00","format":"double","nullable":true},"disbursementDate":{"type":"string","description":"The calculated disbursement date for the loan. This will be a non-null value if at least one funding instruction has been sent to a payment rail for the loan. The value of this property will be the datetime that the funding instruction was sent to the payment rail in UTC. This value will only be set for the first funding instruction that was sent to the payment rail for the loan. Any subsequent funding instructions sent to a payment rail will _NOT_ modify this value.","format":"date-time","nullable":true},"maturityDate":{"type":"string","description":"The calculated maturity date for the loan. This will be a non-null value if at least one funding instruction has been sent to a payment rail for the loan. The value of this property will be the datetime that the funding instruction was sent to the payment rail in UTC. This value will only be set for the first funding instruction that was sent to the payment rail for the loan. Any subsequent funding instructions sent to a payment rail will _NOT_ modify this value.","format":"date-time","nullable":true},"status":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.LoanStatus"}},"additionalProperties":false},"Cubi.ConsumerLending.WebApi.Dto.LoanStatus":{"enum":["Open","Completed","PendingCompletion","Cancelled"],"type":"string"},"Cubi.ConsumerLending.WebApi.Dto.PartnerProgramResponseDto":{"type":"object","properties":{"id":{"type":"string","description":"The id of the Program","format":"uuid"},"name":{"type":"string","description":"The name of the Program","nullable":true},"programType":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.ProgramType"},"feeType":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.ProgramFeeType"},"approvalRules":{"type":"array","items":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.ApprovalRuleResponseDto"},"description":"List of the approval (credit policy) rules associated with this program","nullable":true}},"additionalProperties":false},"Cubi.ConsumerLending.WebApi.Dto.ProgramFeeType":{"enum":["None","Mdr","Origination","MdrAndOrigination"],"type":"string"},"Cubi.ConsumerLending.WebApi.Dto.ProgramType":{"enum":["Other","HomeImprovement"],"type":"string"},"Cubi.ConsumerLending.WebApi.Dto.PropertyType":{"enum":["Other","SingleFamily","Duplex","Triplex","Apartment","Condominium","Undeveloped","Agriculture","Commercial","MobileHome","ManufacturedHome"],"type":"string"},"Cubi.ConsumerLending.WebApi.Dto.StagedFundingDetailDto":{"required":["expectedFundingLevels","expectedNumberOfStages"],"type":"object","properties":{"expectedNumberOfStages":{"type":"integer","description":"The number of funding stages that are expected to be used to fully fund the loan","format":"int32"},"expectedFundingLevels":{"type":"array","items":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.StagedFundingLevelDto"},"description":"List of the expected funding levels that will be used to fully fund the loan"}},"additionalProperties":false},"Cubi.ConsumerLending.WebApi.Dto.StagedFundingDetailResponseDto":{"type":"object","properties":{"expectedNumberOfStages":{"type":"integer","description":"The number of funding stages that are expected to be used to fully fund the loan","format":"int32"},"expectedFundingLevels":{"type":"array","items":{"$ref":"#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.StagedFundingLevelResponseDto"},"description":"List of the expected funding levels that will be used to fully fund the loan","nullable":true}},"additionalProperties":false},"Cubi.ConsumerLending.WebApi.Dto.StagedFundingLevelDto":{"required":["expectedFundingPercentage","fundingStageNumber"],"type":"object","properties":{"fundingStageNumber":{"type":"integer","description":"The order in the funding sequence that this funding stage is expected to be executed","format":"int32"},"expectedFundingPercentage":{"type":"number","description":"The percentage of the overall loan that is expected to be funded in this stage of the funding","format":"double"}},"additionalProperties":false},"Cubi.ConsumerLending.WebApi.Dto.StagedFundingLevelResponseDto":{"type":"object","properties":{"fundingStageNumber":{"type":"integer","description":"The order in the funding sequence that this funding stage is expected to be executed","format":"int32"},"expectedFundingPercentage":{"type":"number","description":"The percentage of the overall loan that is expected to be funded in this stage of the funding","format":"double"}},"additionalProperties":false},"Microsoft.AspNetCore.Mvc.ProblemDetails":{"type":"object","properties":{"type":{"type":"string","nullable":true},"title":{"type":"string","nullable":true},"status":{"type":"integer","format":"int32","nullable":true},"detail":{"type":"string","nullable":true},"traceId":{"type":"string","nullable":true}},"additionalProperties":{}},"Microsoft.AspNetCore.Mvc.ValidationProblemDetails":{"type":"object","properties":{"type":{"type":"string","nullable":true},"title":{"type":"string","nullable":true},"status":{"type":"integer","format":"int32","nullable":true},"detail":{"type":"string","nullable":true},"traceId":{"type":"string","nullable":true},"errors":{"type":"object","additionalProperties":{"type":"array","items":{"type":"string"}}}},"additionalProperties":{}}}},"x-readme":{"explorer-enabled":false,"proxy-enabled":true}}