--- title: "Submit a completed application for decisioning" method: POST path: "/posfinancing/rest/v2/applications/{applicationId}/finance-accounts" tags: ["Application"] --- # Submit a completed application for decisioning `POST /posfinancing/rest/v2/applications/{applicationId}/finance-accounts` Submit Application ## Path parameters - `applicationId` string, uuid, required ## Request body - UndefinedSubmitApplicationInput - `prequalificationId` string, required — The ID of the prequalification to use for decisioning. This holds the offer and category information. ## Response `201` Resource created successfully. - SchemaObject9 - `payload` object, required — The response data. - `financeAccountId` string, required — The human-readable identifier of the finance account. - `financeType` 'loan' | 'lease' | 'ppa' | 'ppav' | 'e-heloc', required — The finance type. - `offerId` string, required — The unique identifier of the offer. - `categoryCode` 'Solar_TPO' | 'HVAC_LEASE' | 'BATTERY_LEASE' | 'HELOC', required — The code of the offer category. - `categoryId` string, required — The unique identifier of the offer category. - `createdAt` string, date-time, required — The date and time when the finance account was created. - `expiresAt` string, date-time, required — The date and time when credit expires. - `tags` string[], required — Optional user-defined tags added to the application. - `status` 'APPROVED' | 'APPROVED_WITH_STIPS' | 'DECLINED' | 'PENDING' | 'CANCELED', required — The status of the application. - `reason` string, required — The reason the application was declined or approved with stips. - `type` 'SINGLE' | 'COMBINED' | 'PRIMARY' | 'SECONDARY', required — The decision type. - `applicants` UndefinedApplicationApplicantOutput[], required — The applicants on the application, projected to the fields needed by the decision screen. - `role` 'APPLICANT' | 'COAPPLICANT', required — The applicant's role on the application. - `firstName` string, required — The applicant's first name. - `lastName` string, required — The applicant's last name. - `email` string, required — The applicant's email address. - `dropped` boolean, required — Whether the applicant was dropped from the application — either because underwriting excluded them so the other applicant could proceed, or because the application as a whole was Declined. - `cases` UndefinedApplicationPendingCaseOutput[] — Borrower-facing cases (e.g. document upload stips) that must be resolved before the account can progress. - `id` string, required — The unique identifier of the case in UUID v4 format. - `name` string, required — The name of the case. - `description` string, required — A description of the case. - `reasonCodes` string[], required — The key of the case. - `status` string, required — The status of the current step. - `type` string, required — The type of the case. - `attachments` UndefinedCaseAttachment[], required — An array of attachments associated with the case. - `id` string, required — The unique identifier of the attachment in UUID v4 format. - `extension` string, required — The extension of the attachment. - `type` string, required — The type of the attachment. - `name` string, required — The name of the attachment. - `label` string, required — A label for the attachment. - `groupId` string, required — Group identifier used to combine multiple uploads. - `status` string, required — The status of the attachment. - `domain` string, required — The actor that has to act on the case. - `deferred` boolean, required — Whether this case blocks NTP. - `createdAt` string, date-time, required — The date and time when the case was created. - `updatedAt` string, date-time, required — The date and time when the case was last updated. - `updatedBy` string, required — The identity that last updated the case. - `appliesTo` string, required — The subject of the case. - `documentsToClear` UndefinedDocumentToClear[], required — The documents to clear. - `type` string — The document type. - `name` string, required — The document name. - `description` string, required — A description of the document to clear. - `borrowerActionableUrl` string — A URL the borrower can visit to take action on outstanding cases. - `decisionExplanation` UndefinedDecisionExplanation - `reapply` UndefinedReapply - `encouraged` boolean, required — If true, reapplying is encouraged because there are actions the applicant can take to potentially change the decision when they reapply. If false, reapplying is not encouraged for the applicant. - `actions` UndefinedReapplyAction[], nullable, required — If `encouraged` is `true`, this will be an array of actions the applicant should take before reapplying. If `encouraged` is `false`, this will be `null` because there are no actions to take. - `description` string, required — The description of the action. - `type` string, required — The type of action. - `reasons` UndefinedDecisionExplanationReason[] — The list of reasons for the decision. - `reasonCode` string, required — The non-user-friendly code for the reason. - `title` string, required — The title of the reason explanation. - `description` string, required — The description of the reason explanation. - `creditLine` UndefinedCreditLineDto - `verified` number — The verified credit line after underwriting. Populated after the income/CFA case resolves. - `adjusted` number — Borrower-requested reduction below the UW ceiling. Sticky — never auto-cleared by offer or underwriting changes; only updated when the borrower explicitly submits a CREDIT_LINE change. - `max` number, required — The maximum credit line sourced from the offer's `maxAmount`. Updated on offer changes. - `effective` number, required — The effective credit line — the smallest of max, verified (if set), and adjusted (if set). The single value downstream consumers should read. - `availableOffers` UndefinedPrequalificationOfferOutputDto[] — The offers available under the prequalification. Populated for HELOC submissions only. - `id` string, required — The unique identifier of the offer. - `estimatedMonthlyPaymentWithAutopay` number, nullable, required — The estimated monthly payment calculated using the autopay interest rate. Null for D2C (homeowner-initiated) HELOC prequalifications, which have no project cost to compute payments against. - `estimatedMonthlyPaymentWithoutAutopay` number, nullable, required — The estimated monthly payment calculated without the autopay discount. Null for D2C (homeowner-initiated) HELOC prequalifications, which have no project cost to compute payments against. - `ratesWithAutopay` UndefinedPrequalificationOfferRateDto, required - `minimum` number, required — The minimum rate. - `maximum` number, required — The maximum rate. - `ratesWithoutAutopay` UndefinedPrequalificationOfferRateDto, required - `minimum` number, required — The minimum rate. - `maximum` number, required — The maximum rate. - `term` number, required — The term of the offer in years. - `maxAmount` number, required — The maximum amount for the offer. - `featured` boolean, required — Indicates whether this offer is featured. - `margins` UndefinedMarginsDto - `installment` number, required — The margin rate applied to the installment portion of the loan. - `revolving` number, required — The margin rate applied to the revolving portion of the loan. - `dealerFee` UndefinedDealerFeeDto - `percent` number, required — The dealer fee expressed as a percentage of project cost (e.g. 5 for 5%). - `projectCostLimits` UndefinedNumberRangeDto, required - `minimum` number, required — The inclusive lower bound of the range. - `maximum` number, required — The inclusive upper bound of the range. - `projectReserveLimit` number, nullable — The total project reserve limit (project cost + reserve buffer). Populated for HELOC submissions only. Null for D2C (homeowner-initiated) HELOC finance accounts, which have no associated project cost. - `estimatedMonthlyPayment` number, nullable — The estimated monthly payment based on the selected offer and autopay enrollment. Populated for HELOC submissions only. Null for D2C (homeowner-initiated) HELOC finance accounts, which have no associated project cost. - `autopayEnrolled` boolean — Whether the borrower enrolled in autopay at submission time. Populated for HELOC submissions only. ## Other responses - `400` — The request cannot be processed due to malformed data. - `401` — Unauthorized access to the requested resource. - `403` — Access to the requested resource is forbidden. - `404` — The resource was not found. - `409` — The request cannot be processed due to a conflict with the current state of the resource. - `422` — The server understood the request but it was unable to process the contained instructions. --- [API](https://skmtc.net/goodleap/apis/developer-api.md) · [All operations](https://skmtc.net/goodleap/apis/developer-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/goodleap/developer-api/revisions/0ba836de8da3/schema)