uwResults

Query

fetch Underwriting Results with various filtering and pagination options.

Query Signature

query {
  uwResults(where: UwResultWhereInput, order: [UwResultOrder!], skip: Int, search: String, after: String, first: Int, before: String, last: Int): UwResultsResponse
}

Example Request

GraphQL

query UwResults($where: UwResultWhereInput, $order: [UwResultOrder!], $skip: Int, $search: String, $after: String, $first: Int, $before: String, $last: Int) {
  uwResults(where: $where, order: $order, skip: $skip, search: $search, after: $after, first: $first, before: $before, last: $last) {
    # Add fields you want to retrieve
  }
}

Example Variables:

{
  "where": {
    "leadId": "lead-67890"
  },
  "first": 10,
  "order": [
    {
      "field": "createdAt",
      "direction": "DESC"
    }
  ]
}

Apollo Studio

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Example Response

{
  "data": {
    "uwResults": {
      "data": {
        "totalCount": 2,
        "pageInfo": {
          "hasNextPage": false,
          "hasPreviousPage": false,
          "startCursor": "cursor-1",
          "endCursor": "cursor-2"
        },
        "edges": [
          {
            "cursor": "cursor-1",
            "node": {
              "id": "uw-xyz789",
              "revision": 2,
              "applicationUwResult": {
                "applicantPrequalified": true,
                "applicationType": "SINGLE",
                "totalDebt": 13500,
                "totalEligibleDebt": 13500
              },
              "applicantUwResult": {
                "id": "uw-xyz789",
                "creditReportId": "cr-abc123def456",
                "leadId": "lead-67890",
                "creditReportSource": "CRS_EQUIFAX"
              },
              "maxTerm": 48,
              "createdAt": "2025-01-15T11:00:00.000Z"
            },
            "errors": null
          },
          {
            "cursor": "cursor-2",
            "node": {
              "id": "uw-xyz789",
              "revision": 1,
              "applicationUwResult": {
                "applicantPrequalified": true,
                "applicationType": "SINGLE",
                "totalDebt": 25000,
                "totalEligibleDebt": 22500
              },
              "applicantUwResult": {
                "id": "uw-xyz789",
                "creditReportId": "cr-abc123def456",
                "leadId": "lead-67890",
                "creditReportSource": "CRS_EQUIFAX"
              },
              "maxTerm": 48,
              "createdAt": "2025-01-15T10:30:00.000Z"
            },
            "errors": null
          }
        ]
      },
      "errors": null
    }
  }
}

Arguments

Argument	Type	Description
where	UwResultWhereInput	Where conditions for filtering Uw Results.
order	[UwResultOrder!]	Ordering options for UwResults.

Input Types

UwResultWhereInput

Where conditions for filtering Uw Results.

Optional Fields:

Field	Type	Description
reqOrgId	String	Filter by requesting organization ID
reqOrgContactId	String	Filter by requesting organization contact ID
leadId	String	Filter by lead ID
uwResultId	String	Filter by underwriting result ID
revision	Int	Filter by specific revision number

UwResultOrder

Ordering options for UwResults.

Required Fields:

Field	Type	Description
field	UwResultOrderField!	Field to order by
direction	OrderDirection!	Direction of ordering (ASC or DESC)

Response Type

Returns: UwResultsResponse

UwResultsResponse

UwResultsResponse

Field	Type	Description
data	UwResultConnection	Uw Result Connection.
errors	[UwResultsResponseError]	Error(s) list

UwResultConnection

Pagination connection for Uw Results.

Field	Type	Description
pageInfo	PageInfo!	Pagination information
edges	[UwResultEdge]!	List of result edges
totalCount	Int!	Total count of results matching the query

PageInfo

Page information for navigating collections.

Field	Type	Description
hasNextPage	Boolean!	Whether there are more items after the current page
startCursor	String	Cursor for the first item in the current page
endCursor	String	Cursor for the last item in the current page

UwResultEdge

Edge type for Uw Results.

Field	Type	Description
node	UwEligibilityResult	The underwriting eligibility result
errors	[EligibilityResponseError]	List of eligibility errors for this result
cursor	String!	Cursor for pagination

UwEligibilityResult

Field	Type	Description
id	ID!	Underwriting document ID
revision	Int!	Revision number of this underwriting document. Each time the document is edited the revision number is incremented
applicationUwResult	ApplicationUwResult	Underwriting result for the application as a whole.
applicantUwResult	UwResult	Applicant’s debts (tradeline) specific underwriting results
coApplicantUwResult	UwResult	Co-applicant’s debts (tradeline) specific underwriting results. Only applicable to JOINT application.
jointUwResult	JointUwResult	Joint debts (tradeline) specific underwriting results. Only applicable to JOINT application.
tradelineMetadata	TradelineMetadata	Additional metadata about UW application
maxTerm	Int	Maximum term (in months) calculated for this underwriting application
createdAt	Date	Date and time this underwriting document revision was created

ApplicationUwResult

Field	Type	Description
applicantPrequalified	Boolean!	True/False flag to identify if this application passed all underwriting criteria
applicationType	String	Type of application can be SINGLE or JOINT
rootFilters	ApplicationRootFilters!	Application level filters
totalDebt	Float	Total selected debts balance
totalEligibleDebt	Float	Total eligible and selected debts balance
tradelineMetadata	TradelineMetadata	Additional metadata about UW application

ApplicationRootFilters

Field	Type	Description
totalDebtValueCheck	Boolean	True/False flag to identify if this underwriting check passed
tenPercentRuleCheck	Boolean	True/False flag to identify if this underwriting check passed
agentAssignedCheck	Boolean	True/False flag to identify if this underwriting check passed
creditReport30DaysCheck	Boolean	True/False flag to identify if this underwriting check passed
psStateServiceCheck	Boolean	True/False flag to identify if this underwriting check passed
uniqueEmailPhoneCheck	Boolean	True/False flag to identify if this underwriting check passed
programTermCheck	Boolean	True/False flag to identify if this underwriting check passed
budgetHardshipCheck	Boolean	True/False flag to identify if this underwriting check passed

TradelineMetadata

Field	Type	Description
enrolledUpstartDebtAccountNumbers	[String]	List of externalDebtsId’s that belong to selected Upstart debts, if empty then none
enrolledCapitalOneDebtAccountNumbers	[String]	List of externalDebtsId’s that belong to selected Catipal One debts, if empty then none
enrolledDiscoverDebtAccountNumbers	[String]	List of externalDebtsId’s that belong to selected Discover debts, if empty then none

UwResult

Field	Type	Description
id	ID!	Underwriting document ID
uwOrgId	String	The organization underwriting rules used for this application. Values: - ALV - GLG
reqOrgId	String	Requesting organization ID. Based on the credentials of the system making the request.
revision	Int!	Document revision number. Each time the document is edited the revision number is incremented
reqOrgContactId	String	Requesting organization contact ID
creditReportId	String	Applicant normalized credit report ID from the credit report service
coCreditReportId	String	Co-Applicant normalized credit report ID from the credit report service
leadId	String	Applicant leadId set by the integrating CRM to identify the lead in its system.
applicationType	String	Type of application can be SINGLE or JOINT
applicantInfo	ApplicantInfo!	Applicant information.
rootFilters	ApplicantRootFilters!	Root level filters (All underwriting filters that are not specific to a debt)
debts	[UwResultDebt]!	List of debts. Each debt will have additional underwriting pass/fail information
creditReportSource	String!	Credit report source Values: - SPINWHEEL - CRS_TRANSUNION - CRS_EQUIFAX
rootHistory	[UwResultHistory]	Audit history of edits applied to the top level fields of this application
createdAt	Date	Date and time this underwriting document revision was created

ApplicantInfo

Field	Type	Description
publicRecords	[PublicRecord]	Public records from the credit report.
applicantContactInfo	ApplicantContactInfo	Applicant’s contact information
coApplicantContactInfo	ApplicantContactInfo	Co-applicant’s contact information
agentAssigned	String	Agent userId set by the integrating CRM to identify the agent in its system.
plan	Plan	Enrollment plan.
budget	Budget	Budget.
additionalInfo	AdditionalInfo	Additional info

ApplicantRootFilters

Field	Type	Description
stateServiceCheck	Boolean	True/False flag to identify if this underwriting check passed
bankruptcyCheck	Boolean	True/False flag to identify if this underwriting check passed
ssnCheck	Boolean	True/False flag to identify if this underwriting check passed
dobCheck	Boolean	True/False flag to identify if this underwriting check passed
phoneCheck	Boolean	True/False flag to identify if this underwriting check passed
firstNameCheck	Boolean	True/False flag to identify if this underwriting check passed
lastNameCheck	Boolean	True/False flag to identify if this underwriting check passed
applicantEmployerCheck	Boolean	True/False flag to identify if this underwriting check passed
jobTitleCheck	Boolean	True/False flag to identify if this underwriting check passed
addressCheck	Boolean	True/False flag to identify if this underwriting check passed
emailCheck	Boolean	True/False flag to identify if this underwriting check passed
coApplicantFirstNameCheck	Boolean	True/False flag to identify if this underwriting check passed
coApplicantLastNameCheck	Boolean	True/False flag to identify if this underwriting check passed
coApplicantEmployerCheck	Boolean	True/False flag to identify if this underwriting check passed
coApplicantJobTitleCheck	Boolean	True/False flag to identify if this underwriting check passed
coApplicantSsnCheck	Boolean	True/False flag to identify if this underwriting check passed
coApplicantDobCheck	Boolean	True/False flag to identify if this underwriting check passed
coApplicantPhoneCheck	Boolean	True/False flag to identify if this underwriting check passed
coApplicantCellPhoneCheck	Boolean	True/False flag to identify if this underwriting check passed
hardshipCheck	Boolean	True/False flag to identify if this underwriting check passed
duplicateSsnCheck	Boolean	True/False flag to identify if this underwriting check passed
duplicateCoApplicantSsnCheck	Boolean	True/False flag to identify if this underwriting check passed
routingNumberCheck	Boolean	True/False flag to identify if this underwriting check passed
bankNameCheck	Boolean	True/False flag to identify if this underwriting check passed
bankAccountNumberCheck	Boolean	True/False flag to identify if this underwriting check passed
bankAccountHolderNameCheck	Boolean	True/False flag to identify if this underwriting check passed
bankAccountTypeCheck	Boolean	True/False flag to identify if this underwriting check passed
debtsBackedByUsFedGovCheck	Boolean	True/False flag to identify if this underwriting check passed
eligibilityReqMilitaryCheck	Boolean	True/False flag to identify if this underwriting check passed
eligibilityReqCreditCounsellingCheck	Boolean	True/False flag to identify if this underwriting check passed
eligibilityReqBankruptcyCheck	Boolean	True/False flag to identify if this underwriting check passed
eligibilityReqFederalGovDebtCheck	Boolean	True/False flag to identify if this underwriting check passed
eligibilityReqSecuredDebtCheck	Boolean	True/False flag to identify if this underwriting check passed
frequencyMinimumPaymentCheck	Boolean	True/False flag to identify if this underwriting check passed
budgetAffordabilityCheck	Boolean	True/False flag to identify if this underwriting check passed
firstDraftDateCheck	Boolean	True/False flag to identify if this underwriting check passed
feeValidationCheck	Boolean	True/False flag to identify if this underwriting check passed
secondDraftDateCheck	Boolean	True/False flag to identify if this underwriting check passed
companyIsAuthorizedCheck	Boolean	True/False flag to identify if this underwriting check passed
enrollmentPlanCheck	Boolean	True/False flag to identify if this underwriting check passed
termExtensionExceptionCheck	Boolean	True/False flag to identify if this underwriting check passed
caStateFileCheck	Boolean	True/False flag to identify if the co-applicant has ssn when state is CA and application type is JOINT

UwResultDebt

Debt information with underwriting check results

Field	Type	Description
id	ID!	Unique identifier for the debt
applicantId	String	Primary applicant ID
coApplicantId	String	Secondary applicant ID, if applicable (For JOINT application only)
externalDebtId	ID	This is replaced by accountNumber @deprecated Use accountNumber instead
accountNumber	String	Debt account number
externalCrmId	String	Optional field to identify the debt in the requesting CRM
isSelected	Boolean!	True/False flag to identify if this debt is selected for program enrollment
coApplicantIsSelected	Boolean	Only applicable to JOINT debt. True/False flag to identify if this debt is selected by the co-applicant
eligibilityStatus	EligibilityStatus!	Identify the eligibility status
isOverridden	Boolean	True/False flag to identify if the eligiblity status is being overriden
exceptions	[String]	List of reasons the eligibility status is being overridden
history	[UwResultDebtHistory]	History of all the updates made to this debt
source	String!	Source of the debt entry can be MANUAL or CREDIT_REPORT
creditorName	String	creditor name
parentCreditorName	String	Parent creditor name
parentCreditorId	String	Parent creditor ID
originalCreditorName	String	Original creditor name
creditorId	ID	Creditor ID from Forth
creditorType	String	creditor type
ecoaCode	String	ECOA Code
accountType	String	Account type
portfolioType	String	Portfolio type
debtType	String	Debt type
openDate	String	Date debt was opened
lastPaymentDate	String	Date of the last payment
hasLastPayment	Boolean	True/False flag to identify if last payment was amde
narrativeCodes	[String]	Narrative codes that might include bankcruptcy codes
bankruptcyDateFiled	String	Bankruptcy Record Date. This come from the credit report and does not need to be updated.
currentBalance	Float	Current debt balance
originalBalance	Float	Original debt balance
nawSignedDate	Date	Only applicable to JOINT debt. The date when the non-applicant waiver has been signed.
nawUrl	String	Only applicable to JOINT debt. The url to the non-applicant waiver document’s file
hasProofOfLiability	Boolean	Has provided proof of liability
forthDebtTypeId	String	Forth Debt Type ID
remarks	[String]	Remarks
isCollection	Boolean	Flag to show if the debt is in collection
approvedAccountTypeCheck	Boolean	True/False flag to identify if this underwriting check passed
unacceptableCreditorCheck	Boolean	True/False flag to identify if this underwriting check passed
creditUnionAndStateCheck	Boolean	True/False flag to identify if this underwriting check passed
debtOwnershipCheck	Boolean	True/False flag to identify if this underwriting check passed
minimumDebtValueCheck	Boolean	True/False flag to identify if this underwriting check passed
duplicateDebtsCheck	Boolean	True/False flag to identify if this debt is selected and a duplicate debt
multipleCreditUnionCheck	Boolean	True/False flag to identify if this underwriting check passed
paymentHistoryCheck	Boolean	True/False flag to identify if this underwriting check passed
unsecuredDebtCheck	Boolean	True/False flag to identify if this underwriting check passed
bankruptcyCheck	Boolean	True/False flag to identify if this underwriting check passed
employerIsCreditorCheck	Boolean	True/False flag to identify if the creditor is the same as employer
standaloneDebtsCheck	Boolean	True/False flag to identify if the creditor is a standalone debt
coApplicantCheck	Boolean	Only applicable to JOINT debt. True/False flag to identify if this underwriting check passed
currAndOgBalanceCheck	Boolean	Current and original balance check
proofOfLiabilityCheck	Boolean	Proof of liability
delinquency	String	account rating /delinquency value
monthlyPayment	Float	Monthly payment
notes	[String]	Debt Notes

UwResultHistory

Historical record of changes made to the underwriting result

Field	Type	Description
applicantInfo	ApplicantInfo	Applicant information at this revision
leadId	String	Lead ID at this revision
updatedBy	ID	User ID who made this update
fromRevision	Int	The revision number this history entry was created from

UwResult

Field	Type	Description
id	ID!	Underwriting document ID
uwOrgId	String	The organization underwriting rules used for this application. Values: - ALV - GLG
reqOrgId	String	Requesting organization ID. Based on the credentials of the system making the request.
revision	Int!	Document revision number. Each time the document is edited the revision number is incremented
reqOrgContactId	String	Requesting organization contact ID
creditReportId	String	Applicant normalized credit report ID from the credit report service
coCreditReportId	String	Co-Applicant normalized credit report ID from the credit report service
leadId	String	Applicant leadId set by the integrating CRM to identify the lead in its system.
applicationType	String	Type of application can be SINGLE or JOINT
applicantInfo	ApplicantInfo!	Applicant information.
rootFilters	ApplicantRootFilters!	Root level filters (All underwriting filters that are not specific to a debt)
debts	[UwResultDebt]!	List of debts. Each debt will have additional underwriting pass/fail information
creditReportSource	String!	Credit report source Values: - SPINWHEEL - CRS_TRANSUNION - CRS_EQUIFAX
rootHistory	[UwResultHistory]	Audit history of edits applied to the top level fields of this application
createdAt	Date	Date and time this underwriting document revision was created

ApplicantInfo

Field	Type	Description
publicRecords	[PublicRecord]	Public records from the credit report.
applicantContactInfo	ApplicantContactInfo	Applicant’s contact information
coApplicantContactInfo	ApplicantContactInfo	Co-applicant’s contact information
agentAssigned	String	Agent userId set by the integrating CRM to identify the agent in its system.
plan	Plan	Enrollment plan.
budget	Budget	Budget.
additionalInfo	AdditionalInfo	Additional info

ApplicantRootFilters

Field	Type	Description
stateServiceCheck	Boolean	True/False flag to identify if this underwriting check passed
bankruptcyCheck	Boolean	True/False flag to identify if this underwriting check passed
ssnCheck	Boolean	True/False flag to identify if this underwriting check passed
dobCheck	Boolean	True/False flag to identify if this underwriting check passed
phoneCheck	Boolean	True/False flag to identify if this underwriting check passed
firstNameCheck	Boolean	True/False flag to identify if this underwriting check passed
lastNameCheck	Boolean	True/False flag to identify if this underwriting check passed
applicantEmployerCheck	Boolean	True/False flag to identify if this underwriting check passed
jobTitleCheck	Boolean	True/False flag to identify if this underwriting check passed
addressCheck	Boolean	True/False flag to identify if this underwriting check passed
emailCheck	Boolean	True/False flag to identify if this underwriting check passed
coApplicantFirstNameCheck	Boolean	True/False flag to identify if this underwriting check passed
coApplicantLastNameCheck	Boolean	True/False flag to identify if this underwriting check passed
coApplicantEmployerCheck	Boolean	True/False flag to identify if this underwriting check passed
coApplicantJobTitleCheck	Boolean	True/False flag to identify if this underwriting check passed
coApplicantSsnCheck	Boolean	True/False flag to identify if this underwriting check passed
coApplicantDobCheck	Boolean	True/False flag to identify if this underwriting check passed
coApplicantPhoneCheck	Boolean	True/False flag to identify if this underwriting check passed
coApplicantCellPhoneCheck	Boolean	True/False flag to identify if this underwriting check passed
hardshipCheck	Boolean	True/False flag to identify if this underwriting check passed
duplicateSsnCheck	Boolean	True/False flag to identify if this underwriting check passed
duplicateCoApplicantSsnCheck	Boolean	True/False flag to identify if this underwriting check passed
routingNumberCheck	Boolean	True/False flag to identify if this underwriting check passed
bankNameCheck	Boolean	True/False flag to identify if this underwriting check passed
bankAccountNumberCheck	Boolean	True/False flag to identify if this underwriting check passed
bankAccountHolderNameCheck	Boolean	True/False flag to identify if this underwriting check passed
bankAccountTypeCheck	Boolean	True/False flag to identify if this underwriting check passed
debtsBackedByUsFedGovCheck	Boolean	True/False flag to identify if this underwriting check passed
eligibilityReqMilitaryCheck	Boolean	True/False flag to identify if this underwriting check passed
eligibilityReqCreditCounsellingCheck	Boolean	True/False flag to identify if this underwriting check passed
eligibilityReqBankruptcyCheck	Boolean	True/False flag to identify if this underwriting check passed
eligibilityReqFederalGovDebtCheck	Boolean	True/False flag to identify if this underwriting check passed
eligibilityReqSecuredDebtCheck	Boolean	True/False flag to identify if this underwriting check passed
frequencyMinimumPaymentCheck	Boolean	True/False flag to identify if this underwriting check passed
budgetAffordabilityCheck	Boolean	True/False flag to identify if this underwriting check passed
firstDraftDateCheck	Boolean	True/False flag to identify if this underwriting check passed
feeValidationCheck	Boolean	True/False flag to identify if this underwriting check passed
secondDraftDateCheck	Boolean	True/False flag to identify if this underwriting check passed
companyIsAuthorizedCheck	Boolean	True/False flag to identify if this underwriting check passed
enrollmentPlanCheck	Boolean	True/False flag to identify if this underwriting check passed
termExtensionExceptionCheck	Boolean	True/False flag to identify if this underwriting check passed
caStateFileCheck	Boolean	True/False flag to identify if the co-applicant has ssn when state is CA and application type is JOINT

UwResultDebt

Debt information with underwriting check results

Field	Type	Description
id	ID!	Unique identifier for the debt
applicantId	String	Primary applicant ID
coApplicantId	String	Secondary applicant ID, if applicable (For JOINT application only)
externalDebtId	ID	This is replaced by accountNumber @deprecated Use accountNumber instead
accountNumber	String	Debt account number
externalCrmId	String	Optional field to identify the debt in the requesting CRM
isSelected	Boolean!	True/False flag to identify if this debt is selected for program enrollment
coApplicantIsSelected	Boolean	Only applicable to JOINT debt. True/False flag to identify if this debt is selected by the co-applicant
eligibilityStatus	EligibilityStatus!	Identify the eligibility status
isOverridden	Boolean	True/False flag to identify if the eligiblity status is being overriden
exceptions	[String]	List of reasons the eligibility status is being overridden
history	[UwResultDebtHistory]	History of all the updates made to this debt
source	String!	Source of the debt entry can be MANUAL or CREDIT_REPORT
creditorName	String	creditor name
parentCreditorName	String	Parent creditor name
parentCreditorId	String	Parent creditor ID
originalCreditorName	String	Original creditor name
creditorId	ID	Creditor ID from Forth
creditorType	String	creditor type
ecoaCode	String	ECOA Code
accountType	String	Account type
portfolioType	String	Portfolio type
debtType	String	Debt type
openDate	String	Date debt was opened
lastPaymentDate	String	Date of the last payment
hasLastPayment	Boolean	True/False flag to identify if last payment was amde
narrativeCodes	[String]	Narrative codes that might include bankcruptcy codes
bankruptcyDateFiled	String	Bankruptcy Record Date. This come from the credit report and does not need to be updated.
currentBalance	Float	Current debt balance
originalBalance	Float	Original debt balance
nawSignedDate	Date	Only applicable to JOINT debt. The date when the non-applicant waiver has been signed.
nawUrl	String	Only applicable to JOINT debt. The url to the non-applicant waiver document’s file
hasProofOfLiability	Boolean	Has provided proof of liability
forthDebtTypeId	String	Forth Debt Type ID
remarks	[String]	Remarks
isCollection	Boolean	Flag to show if the debt is in collection
approvedAccountTypeCheck	Boolean	True/False flag to identify if this underwriting check passed
unacceptableCreditorCheck	Boolean	True/False flag to identify if this underwriting check passed
creditUnionAndStateCheck	Boolean	True/False flag to identify if this underwriting check passed
debtOwnershipCheck	Boolean	True/False flag to identify if this underwriting check passed
minimumDebtValueCheck	Boolean	True/False flag to identify if this underwriting check passed
duplicateDebtsCheck	Boolean	True/False flag to identify if this debt is selected and a duplicate debt
multipleCreditUnionCheck	Boolean	True/False flag to identify if this underwriting check passed
paymentHistoryCheck	Boolean	True/False flag to identify if this underwriting check passed
unsecuredDebtCheck	Boolean	True/False flag to identify if this underwriting check passed
bankruptcyCheck	Boolean	True/False flag to identify if this underwriting check passed
employerIsCreditorCheck	Boolean	True/False flag to identify if the creditor is the same as employer
standaloneDebtsCheck	Boolean	True/False flag to identify if the creditor is a standalone debt
coApplicantCheck	Boolean	Only applicable to JOINT debt. True/False flag to identify if this underwriting check passed
currAndOgBalanceCheck	Boolean	Current and original balance check
proofOfLiabilityCheck	Boolean	Proof of liability
delinquency	String	account rating /delinquency value
monthlyPayment	Float	Monthly payment
notes	[String]	Debt Notes

UwResultHistory

Historical record of changes made to the underwriting result

Field	Type	Description
applicantInfo	ApplicantInfo	Applicant information at this revision
leadId	String	Lead ID at this revision
updatedBy	ID	User ID who made this update
fromRevision	Int	The revision number this history entry was created from

JointUwResult

Joint underwriting result containing shared debts between applicants

Field	Type	Description
id	ID!	Unique identifier for the joint underwriting result
primaryApplicantUwResult	ApplicantUwResultInfo	Primary applicant uw result id
coApplicantUwResult	ApplicantUwResultInfo	Co-applicant uw result id
uwOrgId	String	The organization underwriting rules used for this application. For example alv or glg
reqOrgId	String	Requesting organization ID
revision	Int!	Document revision number. Each time the document is edited the revision number is incremented
leadId	String	Sigma lead ID
creditReportId	String	Primary applicant credit report ID
coCreditReportId	String	Secondary applicant credit report ID, if applicable (For JOINT application only)
applicantInfo	JointUwApplicantInfo!	Applicant information needed for the root filters
debts	[UwResultDebt]!	List of debts. Each debt will have additional underwriting pass/fail information
creditReportSource	String!	Source can be SPINWHEEL, CRS_TRANSUNION, or CRS_EQUIFAX
rootHistory	[JointUwResultHistory]	History of edits applied to the top level fields of this application
createdAt	Date	Date and time this joint underwriting result was created

ApplicantUwResultInfo

Reference information for an applicant’s underwriting result

Field	Type	Description
id	ID	Underwriting result ID
revision	Int	Current revision number of the underwriting result

ApplicantUwResultInfo

Reference information for an applicant’s underwriting result

Field	Type	Description
id	ID	Underwriting result ID
revision	Int	Current revision number of the underwriting result

JointUwApplicantInfo

Field	Type	Description
applicantContactInfo	ApplicantContactInfo	Applicant’s contact information
coApplicantContactInfo	ApplicantContactInfo	Co-applicant’s contact information

UwResultDebt

Debt information with underwriting check results

Field	Type	Description
id	ID!	Unique identifier for the debt
applicantId	String	Primary applicant ID
coApplicantId	String	Secondary applicant ID, if applicable (For JOINT application only)
externalDebtId	ID	This is replaced by accountNumber @deprecated Use accountNumber instead
accountNumber	String	Debt account number
externalCrmId	String	Optional field to identify the debt in the requesting CRM
isSelected	Boolean!	True/False flag to identify if this debt is selected for program enrollment
coApplicantIsSelected	Boolean	Only applicable to JOINT debt. True/False flag to identify if this debt is selected by the co-applicant
eligibilityStatus	EligibilityStatus!	Identify the eligibility status
isOverridden	Boolean	True/False flag to identify if the eligiblity status is being overriden
exceptions	[String]	List of reasons the eligibility status is being overridden
history	[UwResultDebtHistory]	History of all the updates made to this debt
source	String!	Source of the debt entry can be MANUAL or CREDIT_REPORT
creditorName	String	creditor name
parentCreditorName	String	Parent creditor name
parentCreditorId	String	Parent creditor ID
originalCreditorName	String	Original creditor name
creditorId	ID	Creditor ID from Forth
creditorType	String	creditor type
ecoaCode	String	ECOA Code
accountType	String	Account type
portfolioType	String	Portfolio type
debtType	String	Debt type
openDate	String	Date debt was opened
lastPaymentDate	String	Date of the last payment
hasLastPayment	Boolean	True/False flag to identify if last payment was amde
narrativeCodes	[String]	Narrative codes that might include bankcruptcy codes
bankruptcyDateFiled	String	Bankruptcy Record Date. This come from the credit report and does not need to be updated.
currentBalance	Float	Current debt balance
originalBalance	Float	Original debt balance
nawSignedDate	Date	Only applicable to JOINT debt. The date when the non-applicant waiver has been signed.
nawUrl	String	Only applicable to JOINT debt. The url to the non-applicant waiver document’s file
hasProofOfLiability	Boolean	Has provided proof of liability
forthDebtTypeId	String	Forth Debt Type ID
remarks	[String]	Remarks
isCollection	Boolean	Flag to show if the debt is in collection
approvedAccountTypeCheck	Boolean	True/False flag to identify if this underwriting check passed
unacceptableCreditorCheck	Boolean	True/False flag to identify if this underwriting check passed
creditUnionAndStateCheck	Boolean	True/False flag to identify if this underwriting check passed
debtOwnershipCheck	Boolean	True/False flag to identify if this underwriting check passed
minimumDebtValueCheck	Boolean	True/False flag to identify if this underwriting check passed
duplicateDebtsCheck	Boolean	True/False flag to identify if this debt is selected and a duplicate debt
multipleCreditUnionCheck	Boolean	True/False flag to identify if this underwriting check passed
paymentHistoryCheck	Boolean	True/False flag to identify if this underwriting check passed
unsecuredDebtCheck	Boolean	True/False flag to identify if this underwriting check passed
bankruptcyCheck	Boolean	True/False flag to identify if this underwriting check passed
employerIsCreditorCheck	Boolean	True/False flag to identify if the creditor is the same as employer
standaloneDebtsCheck	Boolean	True/False flag to identify if the creditor is a standalone debt
coApplicantCheck	Boolean	Only applicable to JOINT debt. True/False flag to identify if this underwriting check passed
currAndOgBalanceCheck	Boolean	Current and original balance check
proofOfLiabilityCheck	Boolean	Proof of liability
delinquency	String	account rating /delinquency value
monthlyPayment	Float	Monthly payment
notes	[String]	Debt Notes

JointUwResultHistory

Historical record of changes made to a joint underwriting result

Field	Type	Description
applicantInfo	JointUwApplicantInfo	Applicant information at this revision
leadId	String	Lead ID at this revision
updatedBy	ID	User ID who made this update
fromRevision	Int	The revision number this history entry was created from

TradelineMetadata

Field	Type	Description
enrolledUpstartDebtAccountNumbers	[String]	List of externalDebtsId’s that belong to selected Upstart debts, if empty then none
enrolledCapitalOneDebtAccountNumbers	[String]	List of externalDebtsId’s that belong to selected Catipal One debts, if empty then none
enrolledDiscoverDebtAccountNumbers	[String]	List of externalDebtsId’s that belong to selected Discover debts, if empty then none

EligibilityResponseError

Includes a list of reasons why the underwriting did not pass

Possible reason are Ineligible, Condition, and Update Needed.

If an error does not include a debtId then it is an application level error.

Field	Type	Description
debtId	String	The debtId of the debt that caused the error.
filterName	String	The name of the underwriting check that caused the error.
message	[String]	The list of reasons why the underwriting check did not pass.

UwResultsResponseError

UwResultsResponse Error

Field	Type	Description
message	String	Error message

Additional Enums

EligibilityStatus

Eligibility status for a debt

Value	Description
ELIGIBLE	Debt meets all underwriting criteria and can be enrolled
INELIGIBLE	Debt does not meet underwriting criteria and cannot be enrolled
CONDITIONAL	Debt requires additional conditions to be met before enrollment
UPDATE_NEEDED	Debt requires additional information to determine eligibility
UNABLE_TO_PROCESS	Unable to process the debt eligibility check

UwResultOrderField

Fields that can be ordered in Uw Results.

Value	Description
createdAt	Order by creation date
reqOrgContactId	Order by requesting organization contact ID

OrderDirection

Direction of ordering.

Value	Description
ASC	Ascending order (A-Z, 0-9, oldest to newest)
DESC	Descending order (Z-A, 9-0, newest to oldest)

Error Types

The response may include the following error types:

UwResultsResponseError

UwResultsResponse Error

Field	Type	Description
message	String	Error message

Manual Error Documentation

Add service-specific error codes and their resolutions below.

Common Errors

Error Code	Description	Resolution
VALIDATION_ERROR	Input validation failed	Check required fields and formats
UNAUTHORIZED	Invalid or expired token	Re-authenticate and retry
NOT_FOUND	Resource not found	Verify the ID or reference

Related

• Back to Lead Eligibility