Create application and run decision engine

post

https://api.partnerwiththrive.com/public/application/create-run-decision

Create a new loan application and immediately run it through the automated
decision engine for instant pre-qualification. This endpoint combines
application creation with credit evaluation, risk assessment, and preliminary
underwriting decision processing to provide immediate feedback on loan eligibility.

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Body Params

borrower_address_line_1

string

required

Primary street address of borrower

borrower_address_line_2

string | null

Secondary address information (apartment, unit, etc.)

borrower_city

string

required

City of borrower's residence

borrower_date_of_birth

date

required

Borrower's date of birth

borrower_email

string

required

Borrower's email address

borrower_first_name

string

required

Borrower's first name

borrower_last_name

string

required

Borrower's last name

borrower_personal_id_number

string

required

^[0-9-]+$

Borrower's SSN or other personal ID

borrower_phone_number

string

required

Borrower's phone number

borrower_phone_type

string

enum

required

Type of phone number

Allowed:

borrower_state

string

required

State or province of borrower's residence

borrower_zip_code

string

required

ZIP or postal code

borrower_employment_status

string | null

enum

Borrower's employment status

Allowed:

borrower_employer_name

string | null

Name of borrower's employer

borrower_occupation

string | null

Borrower's job title or occupation

borrower_occupation_years

number | null

≥ 0

Years in current occupation

product_uid

string

required

Unique identifier for loan product

project_uid

string

required

Unique identifier for construction project

requested_loan_amount

float

required

1000 to 10000000

Requested loan amount in USD

variables

object

Additional variables or metadata for the application

stated_household_income

float

required

≥ 0

Borrower's stated annual household income in USD

stated_household_rent

float

required

≥ 0

Borrower's stated monthly housing costs in USD

project_address_line_1

string | null

Primary street address of construction project

project_address_line_2

string | null

Secondary project address information

project_city

string | null

City where project is located

project_state

string | null

State where project is located

project_zip_code

string | null

ZIP code of project location

run_email_validation

boolean | null

Whether to run email validation

Headers

x-thrive-client-id

string

required

Client ID for authentication

x-thrive-client-secret

string

required

Client secret for authentication

x-thrive-merchant-uid

string

Unique identifier for the merchant; only used if the merchant is associated with the client ID and secret in a group.

Responses

200Application created and decision processed successfully

400Invalid request data or decision processing failed

401Invalid or missing authentication token

403Insufficient permissions for application creation