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.

Request format: Supports two content types:

• application/json – Send the full application payload as JSON. Use for products that do not require drivers license upload.
• multipart/form-data – Use for ZIL, NO_NO, and NO_YES products. Include a data field (JSON string of the
  application payload) plus drivers_license_front and drivers_license_back file uploads.

ZIL, NO_NO, and NO_YES products: When the product has promo type ZIL, NO_NO, or NO_YES, the payload must
include all required borrower and license fields (employment status, employer name, occupation, occupation years,
license number, state of issuance, date of issuance, expiration date). For these promo types, drivers license
front and back files are required and must be sent via multipart/form-data.