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

https://api.las.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.

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.

Example Request (JSON)

Headers

{
  "x-api-key": "your_api_key_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"
}

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
  }
}

Simple Request (cURL)

curl -X POST \
  -H "x-api-key: your_api_key_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"
  }' \
  https://api.las.lokyata.ai/las/v3/evaluate

URL​

Request Headers​

Request Body​

Response Body​

Detailed api_scores Fields​

1. Machine Learning Score​

2. Application Velocity Metrics (45-Day History)​

Example Request (JSON)​

Headers​

Payload​

Example Response (JSON)​

Simple Request (cURL)​

URL