Evaluate Application (lasv3)

This is a JSON POST API which uses API key header authorization. The API is used to perform real-time fraud assessment and risk evaluation on loan applications.

URL

http://api.fraudblock.lokyata.ai/las/v3/evaluate

Request Headers

Name	Type	Required	Description
x-api-key	string	Yes	The API key provided by Lokyata.
Content-Type	string	Yes	Must be set to application/json.

Request Body

Name	Type	Required	Max Length / Pattern	Description
request_id	string	Yes	128	Unique ID for the API request. Can be any unique ID generated by your system.
lead_provider_id	string	Yes	30	Unique ID for the lead provider / submitter.
affiliate_id	string	Yes (nullable)	50	Affiliate identifier.
lead_price	float	Yes		Lender's cost to purchase the lead.
ip_address	string	Yes		IP address of the request origin (supports IPv4 & IPv6).
residence_months	integer	Yes		Number of months the customer has resided at their current address.
requested_amount	float	Yes		Requested loan amount in USD.
bank_routing_number	string	Yes	9 (fixed)	Bank ABA routing number. Format: 9 digits.
first_name	string	Yes	50	Customer's first name.
middle_initial	string	No	1	Customer's middle initial.
last_name	string	Yes	50	Customer's last name.
address	string	Yes	100	Customer's street address.
address2	string	No	100	Customer's street address line 2 (e.g., apartment or suite number).
city	string	Yes	50	Customer's city.
state	string	Yes	2 (fixed)	USPS two-letter abbreviation of the state where the customer resides.
zip_code	string	Yes	10	Customer's ZIP code. Format: nnnnn or nnnnn-nnnn.
ssn	string	Yes	64	Customer's Social Security Number. Format: numeric digits only (no dashes).
home_phone	string	No	Pattern	Customer's home phone number.
mobile_phone	string	Yes	Pattern	Customer's mobile phone number.
work_phone	string	No	Pattern	Customer's work phone number.
email	string	Yes		Customer's email address. Format: abcd@domain.com.
employer_phone	string	No	13	Employer's phone number.
dob	date	Yes		Customer's date of birth. Format: yyyy-mm-dd.
net_monthly_income	integer	Yes		Customer's net monthly income.
bank_months	integer	Yes		Number of months the customer has had their current bank account.
bank_name	string	Yes	100	Name of the customer's bank.
bank_account_number	string	Yes	20	Customer's bank account number.
employment_months	integer	Yes		Number of months the customer has been with their current employer.
residence_type	string	Yes	Rent, Own, Family, Friend, Other	The customer's residency type.
employment_phone_ext	string	No	6	Employer's phone extension.
employment_fax	string	No	13	Employer's fax number.
last_paydate	date	No		Customer's most recent pay date. Format: yyyy-mm-dd.
request_date_time	string	No		Timestamp when request was first obtained.
user_agent	string	No		User Agent string of the loan machine/browser.

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Response Body

Name	Type	Description
request_id	string	The unique request identifier associated with the request (prefixed with FBA_3_1_).
api_scores	object	An object containing detailed risk evaluation scores and application velocity counts (described below).

Detailed api_scores Fields

api_scores is a key-value object containing details across two main areas:

1. Machine Learning Score

• fb_application_prob_score (float): The calculated fraud probability score from the machine learning model. Values run from 0.0 (lowest risk) to 1.0 (highest risk).

2. Application Velocity Metrics (45-Day History)

• mobile_previous_applications (integer): Total number of previous applications with the same mobile number.
• bank_lead_provider_last_45_days (integer): Number of applications with the same bank details for this lead provider in the last 45 days.
• ssn_previous_applications (integer): Total number of previous applications with the same SSN.
• ssn_address_last_45_days (integer): Count of applications matching the same SSN and address in the last 45 days.
• bank_account__number_ssn_last_45_days (integer): Count of applications matching the same bank account and SSN in the last 45 days.
• name_emails_last_45_days (integer): Count of applications matching the same name and email in the last 45 days.
• name_ssn_last_45_days (integer): Count of applications matching the same name and SSN in the last 45 days.
• email_mobile_last_45_days (integer): Count of applications matching the same email and mobile number in the last 45 days.
• mobile_email_last_45_days (integer): Count of applications matching the same mobile number and email in the last 45 days.
• lastname_address_last_45_days (integer): Count of applications matching the same last name and address in the last 45 days.
• lastname_ssn_address_last_45_days (integer): Count of applications matching the same last name, SSN, and address in the last 45 days.
• ssn_state_last_45_days (integer): Count of applications matching the same SSN and state in the last 45 days.
• ssn_mobile_last_45_days (integer): Count of applications matching the same SSN and mobile number in the last 45 days.
• ssn_name_last_45_days (integer): Count of applications matching the same SSN and name in the last 45 days.
• mobile_ssn_last_45_days (integer): Count of applications matching the same mobile number and SSN in the last 45 days.
• ssn_emails_last_45_days (integer): Count of applications matching the same SSN and email in the last 45 days.
• bank_affiliate_last_45_days (integer): Count of applications with the same bank details for this affiliate in the last 45 days.
• bank_ssn_last_45_days (integer): Count of applications matching the same bank details and SSN in the last 45 days.
• email_previous_applications (integer): Total number of previous applications with the same email.

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Example Request (JSON)

Headers

{  "x-api-key": "your_api_key_here",  "x-source-id": "optional_portfolio_id_here",  "Content-Type": "application/json"}

Payload

{  "request_id": "REQ-10025",  "lead_provider_id": "LP_01",  "affiliate_id": "AFF_99",  "lead_price": 10.50,  "ip_address": "192.168.1.1",  "residence_months": 24,  "requested_amount": 1000.0,  "bank_routing_number": "123456789",  "first_name": "John",  "last_name": "Doe",  "address": "123 Main St",  "city": "Boston",  "state": "MA",  "zip_code": "02108",  "ssn": "999887777",  "mobile_phone": "6175551234",  "email": "johndoe@example.com",  "dob": "1990-01-01",  "net_monthly_income": 4500,  "bank_months": 36,  "bank_name": "Chase Bank",  "bank_account_number": "9876543210",  "employment_months": 18,  "residence_type": "Rent",  "last_paydate": "2026-06-30"}

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Example Response (JSON)

{  "request_id": "FBA_3_1_REQ-10025",  "api_scores": {    "fb_application_prob_score": 0.145,    "mobile_previous_applications": 1,    "bank_lead_provider_last_45_days": 0,    "ssn_previous_applications": 1,    "ssn_address_last_45_days": 0,    "bank_account__number_ssn_last_45_days": 0,    "name_emails_last_45_days": 0,    "name_ssn_last_45_days": 0,    "email_mobile_last_45_days": 0,    "mobile_email_last_45_days": 0,    "lastname_address_last_45_days": 0,    "lastname_ssn_address_last_45_days": 0,    "ssn_state_last_45_days": 0,    "ssn_mobile_last_45_days": 0,    "ssn_name_last_45_days": 0,    "mobile_ssn_last_45_days": 0,    "ssn_emails_last_45_days": 0,    "bank_affiliate_last_45_days": 0,    "bank_ssn_last_45_days": 0,    "email_previous_applications": 1  }}

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Simple Request (cURL)

curl -X POST \  -H "x-api-key: your_api_key_here" \  -H "x-source-id: optional_portfolio_id_here" \  -H "Content-Type: application/json" \  -d '{    "request_id": "REQ-10025",    "lead_provider_id": "LP_01",    "affiliate_id": "AFF_99",    "lead_price": 10.50,    "ip_address": "192.168.1.1",    "residence_months": 24,    "requested_amount": 1000.0,    "bank_routing_number": "123456789",    "first_name": "John",    "last_name": "Doe",    "address": "123 Main St",    "city": "Boston",    "state": "MA",    "zip_code": "02108",    "ssn": "999887777",    "mobile_phone": "6175551234",    "email": "johndoe@example.com",    "dob": "1990-01-01",    "net_monthly_income": 4500,    "bank_months": 36,    "bank_name": "Chase Bank",    "bank_account_number": "9876543210",    "employment_months": 18,    "residence_type": "Rent",    "last_paydate": "2026-06-30"  }' \  http://api.fraudblock.lokyata.ai/las/v3/evaluate