Credit Application
v0.1.0An F&I (Finance & Insurance) credit application submitted for a vehicle deal at a dealership. Captures the applicant (and optional co-applicant) identity, residence and employment history, requested financing terms, credit bureau pull results, per-lender decisions, and the contracted/booked terms. Lineage: derived from ADF (Auto-lead Data Format) credit sub-elements, the RouteOne and Dealertrack credit application specifications, the STAR (Standards for Technology in Automotive Retail) Credit BOD, 700Credit / CBC bureau responses, and StoneEagle / MenuVantage F&I data models. SECURITY: This entity carries Personally Identifiable Information (PII) and non-public personal financial information governed by GLBA, FCRA, and ECOA (Reg B). Every field marked "x-pii": true MUST be transmitted and stored under the AutomotiveMCP.AI Auth & Security profile (mutual TLS, field-level encryption at rest, scoped OAuth, audit logging). Full Social Security Numbers, full driver-license numbers, and full account numbers are NEVER modeled — only truncated last-4 fragments are permitted.
Resources
fni.get_credit_applicationfni.submit_credit_applicationcredit-application.example.jsonJSON
{
"id": "b3f1c9a2-7d4e-4c8a-9f21-6a2e5d0b9c11",
"source_ids": [
{
"system": "routeone",
"id": "R1-APP-8842019"
},
{
"system": "cdk_dms",
"id": "FN-2026-004471"
}
],
"status": "conditionally_approved",
"product": "retail",
"credit_type": "joint",
"deal_id": "0a7e2b44-1c3d-4e5f-8a9b-2c3d4e5f6a7b",
"vehicle_id": "9c8b7a6d-5e4f-4a3b-2c1d-0e9f8a7b6c5d",
"vin": "1HGCM82633A004352",
"dealer_id": "2b2b2b2b-3c3c-4d4d-8e5e-6f6f6f6f6f6f",
"collateral": {
"condition": "used",
"year": 2023,
"make": "Honda",
"model": "Accord EX-L",
"odometer": 18450,
"msrp": {
"amount": 34120,
"currency": "USD"
},
"book_value": {
"amount": 31200,
"currency": "USD"
},
"book_source": "black_book"
},
"applicant": {
"customer_id": "4d5e6f7a-8b9c-4d1e-2f3a-4b5c6d7e8f90",
"name": {
"first": "Marcus",
"middle": "T",
"last": "Whitfield"
},
"ssn_last4": "4417",
"date_of_birth": "1988-03-14",
"email": {
"address": "marcus.whitfield@example.com"
},
"phone": {
"number": "+13135551982"
},
"mailing_address": {
"city": "Detroit",
"region": "MI",
"postal_code": "48255",
"country": "US",
"lines": [
"PO Box 55120"
]
},
"citizenship": "us_citizen",
"marital_status": "married",
"driver_license": {
"number_last4": "K902",
"state": "MI",
"expiration_date": "2029-03-14"
},
"residences": [
{
"address": {
"city": "Detroit",
"region": "MI",
"postal_code": "48201",
"country": "US",
"lines": [
"4820 Woodward Ave",
"Apt 6C"
]
},
"status": "rent",
"is_current": true,
"monthly_payment": {
"amount": 1450,
"currency": "USD"
},
"years": 2,
"months": 4
},
{
"address": {
"city": "Royal Oak",
"region": "MI",
"postal_code": "48067",
"country": "US",
"lines": [
"112 Ferndale St"
]
},
"status": "own",
"is_current": false,
"monthly_payment": {
"amount": 980,
"currency": "USD"
},
"years": 3,
"months": 0
}
],
"employments": [
{
"status": "employed",
"is_current": true,
"employer": "Great Lakes Logistics LLC",
"occupation": "Operations Supervisor",
"employer_address": {
"city": "Warren",
"region": "MI",
"postal_code": "48089",
"country": "US",
"lines": [
"900 Industrial Pkwy"
]
},
"monthly_income": {
"amount": 6200,
"currency": "USD"
},
"income_frequency": "biweekly",
"years": 4,
"months": 7,
"employer_phone": {
"number": "+13135550140"
}
}
],
"other_income": {
"amount": 450,
"currency": "USD"
},
"other_income_sources": [
{
"type": "rental",
"amount": {
"amount": 450,
"currency": "USD"
},
"description": "Rental income from a duplex unit"
}
]
},
"co_applicant": {
"customer_id": "1a2b3c4d-5e6f-4a7b-8c9d-0e1f2a3b4c5d",
"name": {
"first": "Danielle",
"last": "Whitfield"
},
"ssn_last4": "8823",
"date_of_birth": "1990-11-02",
"email": {
"address": "danielle.whitfield@example.com"
},
"phone": {
"number": "+13135557741"
},
"citizenship": "us_citizen",
"marital_status": "married",
"driver_license": {
"number_last4": "0X47",
"state": "MI",
"expiration_date": "2027-11-02"
},
"residences": [
{
"address": {
"city": "Detroit",
"region": "MI",
"postal_code": "48201",
"country": "US",
"lines": [
"4820 Woodward Ave",
"Apt 6C"
]
},
"status": "rent",
"is_current": true,
"monthly_payment": {
"amount": 1450,
"currency": "USD"
},
"years": 2,
"months": 4
}
],
"employments": [
{
"status": "self_employed",
"is_current": true,
"employer": "Whitfield Design Studio",
"occupation": "Graphic Designer",
"monthly_income": {
"amount": 3800,
"currency": "USD"
},
"income_frequency": "monthly",
"years": 5,
"months": 0
}
],
"other_income": {
"amount": 0,
"currency": "USD"
},
"relationship": "spouse"
},
"requested": {
"amount": {
"amount": 38500,
"currency": "USD"
},
"cash_price": {
"amount": 41000,
"currency": "USD"
},
"term_months": 72,
"down_payment": {
"amount": 4000,
"currency": "USD"
},
"trade_allowance": {
"amount": 9500,
"currency": "USD"
},
"trade_payoff": {
"amount": 11200,
"currency": "USD"
},
"rebate": {
"amount": 1000,
"currency": "USD"
},
"apr": 6.49,
"monthly_payment": {
"amount": 598.2,
"currency": "USD"
}
},
"bureau": {
"provider": "experian",
"score": 712,
"model": "FICO Auto Score 8",
"inquiry_type": "hard",
"report_reference_id": "700C-RPT-2026-9F3A21",
"reason_codes": [
"10",
"13",
"05"
],
"pulled_at": "2026-06-29T15:42:10Z"
},
"lender_decisions": [
{
"lender": "Ally Financial",
"lender_id": "7f8e9d0c-1b2a-4c3d-5e6f-7a8b9c0d1e2f",
"status": "conditional",
"tier": "Tier 2",
"buy_rate": 5.99,
"apr": 6.49,
"term_months": 72,
"approved_amount": {
"amount": 38500,
"currency": "USD"
},
"max_advance": {
"amount": 41000,
"currency": "USD"
},
"max_ltv": 130,
"max_payment": {
"amount": 650,
"currency": "USD"
},
"monthly_payment": {
"amount": 598.2,
"currency": "USD"
},
"down_payment_required": {
"amount": 4000,
"currency": "USD"
},
"reserve": {
"amount": 525,
"currency": "USD"
},
"stipulations": [
"Provide most recent paystub covering 30 days",
"Verify current residence via utility bill"
],
"expires_at": "2026-07-29T23:59:59Z",
"decisioned_at": "2026-06-29T16:05:33Z"
},
{
"lender": "DFCU Financial",
"lender_id": "5c5c5c5c-6d6d-4e7e-8f8f-9a9a9a9a9a9a",
"status": "approved",
"tier": "A",
"buy_rate": 5.49,
"apr": 5.99,
"term_months": 66,
"approved_amount": {
"amount": 37000,
"currency": "USD"
},
"max_advance": {
"amount": 39500,
"currency": "USD"
},
"reserve": {
"amount": 0,
"currency": "USD"
},
"stipulations": [],
"decisioned_at": "2026-06-29T16:11:47Z"
},
{
"lender": "Santander Consumer USA",
"status": "declined",
"decline_reason_codes": [
"DTI_TOO_HIGH",
"INSUFFICIENT_CREDIT_HISTORY"
],
"decisioned_at": "2026-06-29T16:20:02Z"
}
],
"selected_decision_lender_id": "5c5c5c5c-6d6d-4e7e-8f8f-9a9a9a9a9a9a",
"adverse_action": {
"reason_codes": [
"Santander: debt-to-income ratio too high",
"Length of credit history"
],
"notice_method": "email",
"credit_score_disclosed": true,
"bureau_provider": "experian",
"sent_at": "2026-06-29T18:00:00Z"
},
"consent_id": "c0ffee00-dead-4bee-8bad-f00dfeedface",
"compliance": {
"ofac_checked": true,
"ofac_hit": false,
"red_flags_checked": true,
"id_verified": true,
"ofac_checked_at": "2026-06-29T15:40:00Z",
"red_flags_checked_at": "2026-06-29T15:41:12Z"
},
"disclosures": [
{
"type": "credit_pull_authorization",
"acknowledged": true,
"acknowledged_at": "2026-06-29T15:35:00Z",
"document_url": "https://docs.automotivemcp.ai/consents/8842019/credit-auth.pdf"
},
{
"type": "risk_based_pricing_notice",
"acknowledged": true,
"acknowledged_at": "2026-06-29T17:00:00Z"
}
],
"submitted_at": "2026-06-29T15:38:55Z",
"decisioned_at": "2026-06-29T16:20:02Z",
"created_at": "2026-06-29T15:30:00Z",
"updated_at": "2026-06-29T18:00:05Z",
"created_by": "e1e2e3e4-e5e6-4e7e-8e9e-0e1e2e3e4e5e",
"updated_by": "f1f2f3f4-f5f6-4f7f-8f9f-0f1f2f3f4f5f",
"extensions": {
"routeone_deal_jacket_url": "https://app.routeone.com/dealjacket/8842019"
}
}Object shapes align with the AutomotiveAPI open data standard where sensible, and with the industry's ADF lead format — so a conformant server maps cleanly onto systems dealers already run.