Output Fields

Field Name	Description	Data Type
application_identifier	Unique ID for the application	string
lender_identifier	Unique client supplied identifier for lender	string
employer_name	Employer name	string
employer_phone	Client Input Employer Phone	string
occupation	Provided occupation	string
stated_income	Stated income	string
incomepass_score	Score indicating likelihood of material income misrepresentation	int (1 - 999)
predicted_income	Predicted Income output from the model	string
lowest_reported_range	Lowest income for predicted income range returned from model	string
highest_reported_range	Highest income for prediction income range returned from model	string
default_indicator	Provides a flag on whether this applicant has recorded a default in our PPI data repository	string
consortium_match_flag	Provides an indication whether this applicant has been matched in the PPI data repository. Responses are Y/N	string
employer_fraud_reported	Provides an indication whether this employer has been previously reported as fraud. Responses are Y/N	string
default_alert_flag	Flag indicating whether application is a default risk if booked	string
number_fraud_and_default	# of fraud and defaults from consortium	integer
number_unique_borrowers	# of unique borrowers from consortium	integer
matched_employer_name	This is the name of the employer that has been identified by PPI matching algorithms	string
matched_applicant_occupation	This is the occupation of the applicant that has been identified by PPI matching algorithms	string
matched_industry	Industry most closely related to the employer that has been identified	string
matched_subindustry	Subindustry most closely related to the employer that has been identified	string
income_alert	Flag indicating whether stated income is greater than 15% above	string
reason_text_1	1st most influential reason text for score	string
reason_text_2	2nd most influential reason text for score	string
reason_text_3	3rd most influential reason text for score	string
income_to_employer_alert	Borrower income consistent for stated employer based on comparison to other loads and validated incomes	string
income_to_prior_reported_alert	Borrower has not provided a significantly different income to another lender in the last 120 days	string
income_to_location_alert	Borrower income consistent based on comparison to other incomes reported in the same zip code	string
income_to_occupation_alert	Borrower income consistent for stated occupation based on comparison to other loans and validated incomes	string
income_to_profile_alert	Borrower's income is consistent based on income and borrower profile	string
income_to_occupation_in_city_state_alert	Income is consistent based on occupation, city and state	string
common_employer_alert	Borrower's employer is a common employer that has appeared in many applications before	string
employer_consistency_alert	Borrower's employer has not deviated in the last 60 days in applications to other lenders	string
industry_category	Industry used for IncomePass analysis	string
industry_subcategory	Industry subcategory used for IncomePass analysis	string
occupation_category	Occupation category used for IncomePass analysis	string
occupation_subcategory	Occupation subcategory used for IncomePass analysis	string
Transaction grid lender	Lender of the matched loan, either This Loan or Other	string
Transaction grid application_date	Application date of the matched loan	string
Transaction grid employer	Employer of the matched loan	string
Transaction grid occupation	Occupation of the matched loan	string
Transaction grid stated_income	Stated income of the matched loan	string
incompass_report_link	The URL link to the IncomePass PDF containing all the output data.	string

Sample Output

{
    "administrative_fields": {
      "application_identifier": "ABC123",
      "lender_identifier": "ABCLENDER",
      "employer_name": "Wecu",
      "employer_phone": "7146961212",
      "occupation": "Chef",
      "stated_income": "45000"
    },
    "income_validation_information": {
    "incomepass_score": 499,
    "predicted_income": "69360",
    "lowest_reported_range": "59840",        
    "highest_reported_range": "74430",
    "default_indicator": "0",                    
    "consortium_match_flag": "true",
    "employer_fraud_reported": "false",
    "number_fraud_and_default": 0,
    "number_unique_borrowers": 1,
    "matched_employer_name":"TRC",
    "matched_applicant_occupation":"radiologist",
    "matched_industry":"healthcare",
    "matched_subindustry":"hospitals",
    "income_alert": "0",
    "reason_text_1": "This is reason 1",
    "reason_text_2": "This is reason 2",
    "reason_text_3": "This is reason 3",
    "income_to_employer_alert": "1",        
    "income_to_prior_reported_alert": "1",
    "income_to_location_alert": "0",        
    "income_to_occupation_alert": "0",
    "income_to_profile_alert": "0",        
    "income_to_occupation_city_state_alert": "0",
    "common_employer_alert": "1",
    "employer_consistency_alert": "1",
    "industry_category":"healthcare",
    "industry_subcategory":"radiology services",
    "occupation_category":"healthcare worker",
    "occupation_subcategory":"radiologist"
    },
    "transaction_grid": {
        "0": {
            "application_date": "YYYY-MM-DD", // string
            "employer": "EMPLOYER", // string
            "lender": "LENDER", // string
            "occupation": "OCCUPATION", // string
            "stated_income": "INCOME" // string int
        },
        "1": {
            "appplication_date": "YYYY-MM-DD",  // string
            "employer": "EMPLOYER", // string
            "lender": "LENDER", // string
            "occupation": "OCCUPATION", // string
            "stated_income": "INCOME" // string int
        },
        ...
    },
    "report_links": {
      "incomepass_report_link": "REPORT LINK" // string
    }
}