Link API Overview

The Link API allows an application to submit mortgage applications to lenders and facilitates electronic interaction between brokers and lenders.

The Link API is a RESTful API that accepts both XML and JSON for requests and responses.

The Link API has the following operations:

Lender Details - This operation allows a lookup of lender information - a list of lenders, products and underwriters.
Submit Application - The Submit Application operation electronically submits a mortgage application to the lender for review. The application will move to a pending state until the lender responds with a decision (accepted, declined, cancelled, etc.)
Validate Application - The Validate application operation can be used to check that an application request is well-formed without actually submitting it and checks against business rules. Any validation errors in the message will be flagged to be fixed in the response.
Submit Document - The Submit Document operation electronically submits a document to the lender for a given application.
Pending Applications - This operation returns all applications where a lender response is pending or available.
Application Decision - This operation searches for and returns an application decision from a lender for a given deal.
Acknowledge Application Decision - This operation acknowledges the application decision to remove it from the list of pending applications.
Update Application Status - This operation will update the application status. The updated status will provide Lenders (via monthly reporting) the status of your applications.
Credit Bureau (Equifax) - This operation performs a credit check from Equifax that can then be sent through Submit Application.
Credit Bureau (TransUnion) - This operation performs a credit check from TransUnion that can then be sent through Submit Application.
Submit Life Insurance - This operation submits life insurance information to MPP (returns a quote, Life Insurance Application or Application status).
Get Life Insurance Status - This operation retrieves pending life insurer application statuses.
Acknowledge Life Insurance Status - This operation acknowledges life insurer application status and removes it from the list of pending statuses.
Property Valuation - This operation performs a combination of the following actions against our Property Service: search, valuation, imagery, prefill, or report.

For more information, check out the detailed API documentation below.

Authentication

POST https://api-link.newton.ca/identity/connect/token HTTP/1.1
Content-Type: application/x-www-form-urlencoded

Request Body

grant_type=client_credentials&scope=Link.Pos.Api&client_id=<client id>&client_secret=<secret password>

Authentication Response

{
    "access_token": "ie7JIONyQC8EdP4LCaJXn9HkkxnMt-VQ9D3a4SghfhCXITf_WoFop7tNnwu7-6SxViCQX...", 
    "token_type": "bearer", 
    "expires_in": 43199,
    "scope": "Link.Pos.Api"
}

Link API consumers must be authenticated and authorized to make API calls.

Link API uses JSON Web Tokens (JWTs) to authenticate requests.

Successful authentication request will return a payload containing a bearer token and a time (in seconds) until it expires. All API calls must include this token in the Authorization header. The token may be reused to make consecutive API calls as long as it is not expired, and once it is, an authentication request will need to be issued to receive a new token.

Consumers are encouraged to cache authorization tokens and only issue authentication request before an API call if the token had expired or is about to expire.

Authorization

All Link API calls will go through an authorzation process that wil determine if a given PoS system is allowed to perform requested operation on behalf of a given Firm. Therefore, all requests must provide posSystemId and unitId parameters.

GET request - the pararmeters are passed in as query string parameters
POST request - the pararmeters are passed in the body of the request

Each PoS system consuming Link API will be assigned a unique posSystemId.

Errors

Error Response

{
  "error": [
    {
      "message": "[LinkApi] Validation Exception : PrimaryCustomer.Address.StreetType - The field StreetType is invalid.",
      "type": 1
    }
  ],
  "status": "error"
}

Link API calls will return a response with a 4XX HTTP status code when API is unable to process request, or a 5XX HTTP status code when a syste failure occurs.

4XX responses may include a response body including a list of errors, with an error type (business, vendor, system) and a message.

Examples of 4XX responses:

Status	Description	Most Likely Cause
400	Bad Request	Invalid/missing data
401	Unauthorized	Invalid/missing credentials
403	Forbidden	Unauthorized request
404	Not Found	The resource doesn't exists
409	Conflict	Trying to overwrite a resource

Lender Details

GET https://api-link.newton.ca/v1/lender-details

GetLenderDetails allows a consumer to query a list of lenders and lender products.

Parameters

Name	In	Type	Description
unitid	query	string	(see Authorization)
possystemid	query	string	(see Authorization)

Responses

Sample Response

200 Response

{
  "lender": [
    {
      "lenderProduct": [
        {
          "productId": "b591810a-4796-bc11-a9b9-000d3af448b9",
          "productCode": "LLVAR10",
          "productName": "1 Year Variable",
          "productTerm": 12,
          "rateCompoundFrequency": 2,
          "earlyPayout": 20,
          "startDate": "2022-01-27T00:00:00",
          "postedRate": 3.2
        },
        {
          "productId": "320c7618-937f-ec11-a9b8-000d3af458b9",
          "productCode": "LL5000",
          "productName": "5 Year Fixed",
          "productTerm": 60,
          "rateCompoundFrequency": 2,
          "earlyPayout": 20,
          "startDate": "2021-12-10T00:00:00",
          "postedRate": 3.33
        }
      ],
      "underwriter": [
        {
          "businessType": 10,
          "userId": "PRIME",
          "unitId": "9011",
          "name": "Prime"
        },
        {
          "businessType": 20,
          "userId": "ALT",
          "unitId": "9011",
          "name": "Alternative"
        }
      ],
      "channel": [
        {
          "name": "Direct",
          "type": 0,
          "acceptSubmit": true,
          "acceptUpdate": true,
          "acceptCancel": false,
          "acceptNotes": false,
          "acceptDocs": true
        }
      ],
      "lenderName": "Test Lender",
      "lenderCode": 9011,
      "lenderType": 1,
      "isAlternative": true,
      "isPrime": true,
      "isEquifaxAccredited": true,
      "isTransUnionAccredited": true
    }
  ],
  "status": "ok"
}

Status	Schema
200 OK	GetLenderDetails > Response

Response

GetLenderDetails

Name	Type	Description
error	array(ServiceError) nullable	List of errors
status required	ResponseStatus Enums
lender	array(Lender) nullable GetLenderDetails > Response	List of lenders

Lender

GetLenderDetails > Response

Name	Type	Description
lenderProduct	array(LenderProduct) nullable GetLenderDetails > Response	List of lender products
underwriter	array(Underwriter) nullable GetLenderDetails > Response	List of underwriters
channel	array(Channel) nullable GetLenderDetails > Response	List of submission channels
lenderName	string max-length(50) nullable	Lender name
lenderCode	integer(int32) range(1000,9999)	Lender code
lenderType	LenderType Enums	Lender type
isAlternative	boolean nullable	Is alternative?
isPrime	boolean nullable	Is prime?
isEquifaxAccredited	boolean nullable	Is Equifax accredited?
isTransUnionAccredited	boolean nullable	Is TransUnion accredited?

LenderProduct

GetLenderDetails > Response

Name	Type	Description
adjustment	number(double) range(-999.99,999.99) nullable	Rate adjustment
buydown	number(double) range(-999.99,999.99) nullable	Rate buydown
postedRate	number(double) range(0,999.99) nullable	Posted rate
productId	string max-length(36) nullable	Product Id
productCode	string max-length(6) nullable	Product code
productName	string nullable	Product name
productNameFrench	string nullable	Product name (French)
productDescription	string nullable	Product description
productDescriptionFrench	string nullable	Product description (French)
productTerm	integer(int32) nullable	Product term
productBusinessType	BusinessType Enums	Business type
rateCompoundFrequency	RateCompoundFrequency Enums	Rate compound frequency
basisPoints	integer(int32) nullable	Basis points
cashBack	integer(int32) nullable	Cashback
prePaymentOption	PrePaymentOption Enums	Pre payment option
earlyPayout	EarlyPayout Enums	Early payout
startDate	string(date-time) nullable	Start date
rateType	RateType Enums	Rate type
lineofCreditIndicator	boolean nullable	Line of Credit indicator
lineofCreditRepayment	LineofCreditRepaymentType Enums	Line of credit repayment type

Underwriter

GetLenderDetails > Response

Name	Type	Description
userId required	string min-length(1) max-length(10)	Underwriter user Id
unitId required	string min-length(1) max-length(10)	Underwriter unit Id
name	string nullable	Underwriter name
businessType	BusinessType Enums	Business type

Channel

GetLenderDetails > Response

Name	Type	Description
name	string nullable	Channel name
type	ChannelType Enums	Channel type
acceptSubmit	boolean nullable	Is submission accepted?
acceptUpdate	boolean nullable	Is update submission accepted?
acceptCancel	boolean nullable	Is cancel submission accepted?
acceptNotes	boolean nullable	Is notes submission accepted?
acceptDocs	boolean nullable	Is document submission accepted?
acceptInitial	boolean nullable	Is initial submission accepted?

Submit Application

POST https://api-link.newton.ca/v1/applications

The Submit Application operation electronically submits a mortgage application to the lender for review. The application will move to a pending state until the lender responds with a decision (accepted, declined, cancelled, etc.)

Parameters

Sample Request

{
  "commonData": {
    "assetList": {
      "assetRealEstate": [
        {
          "originalPrice": 350000,
          "originalDate": "2008-04-29",
          "key": "property-48853",
          "value": 500000
        }
      ],
      "assetOther": [
        {
          "assetType": 70,
          "description": "savings",
          "key": "asset-40788",
          "value": 10000
        },
        {
          "assetType": 10,
          "description": "Cash in the bank",
          "key": "asset-40783",
          "value": 50000
        }
      ]
    },
    "liabilityList": {
      "liabilityRealEstate": [
        {
          "accountNumber": "598685",
          "monthlyRepayment": 1000,
          "originalLoanAmount": 250000,
          "outstandingBalance": 100000,
          "closingDate": "2008-04-29",
          "lenderName": "RBC",
          "chargeType": 1,
          "repaymentType": 2,
          "redemptionStatus": 4,
          "maturityDate": "2023-02-01",
          "netRate": 5,
          "rateType": 0,
          "key": "property-48853-1",
          "fromCreditBureau": false
        }
      ],
      "liabilityOther": [
        {
          "repaymentIndicator": false,
          "monthlyRepayment": 150,
          "creditLimit": 1000,
          "outstandingBalance": 2000,
          "lenderName": "AMEX",
          "liabilityType": 6,
          "key": "liability-42362",
          "fromCreditBureau": false
        }
      ]
    },
    "addressList": {
      "applicationAddressCanada": [
        {
          "key": "address-402175",
          "postalAddressStreetAddress": {
            "streetNumber": "311",
            "streetName": "Aurora",
            "streetType": 190
          },
          "cityTown": "High River",
          "provinceCode": 20,
          "postalCode": "T1V1J5",
          "countryCode": 1
        },
        {
          "key": "address-402176",
          "postalAddressStreetAddress": {
            "unitNumber": "10",
            "streetNumber": "11",
            "streetName": "Chruch",
            "streetType": 490
          },
          "cityTown": "Markham",
          "provinceCode": 50,
          "postalCode": "L3S4N5",
          "countryCode": 1
        },
        {
          "key": "address-402174",
          "postalAddressStreetAddress": {
            "unitNumber": "8",
            "streetNumber": "567",
            "streetName": "Brock",
            "streetType": 490,
            "streetDirection": 7
          },
          "cityTown": "Toronto",
          "provinceCode": 50,
          "postalCode": "M2J5C4",
          "countryCode": 1
        }
      ]
    }
  },
  "customerData": {
    "customerList": {
      "customerPrimaryBorrower": {
        "dateBirth": "1976-11-12",
        "honorific": 1,
        "lastName": "Daniels",
        "firstName": "Bob",
        "sin": "999999998",
        "customerTelephoneNumberList": [
          {
            "telephoneNumber": {
              "countryCode": "1",
              "areaCode": "905",
              "phoneNumber": "9100010"
            },
            "usage": 1,
            "preferred": true
          },
          {
            "telephoneNumber": {
              "countryCode": "1",
              "areaCode": "905",
              "phoneNumber": "9101457",
              "phoneExtension": "333"
            },
            "usage": 2,
            "preferred": false
          },
          {
            "telephoneNumber": {
              "countryCode": "1",
              "areaCode": "647",
              "phoneNumber": "9101547"
            },
            "usage": 3,
            "preferred": false
          }
        ],
        "employmentList": {
          "employment": [
            {
              "addressCanada": {
                "postalAddressStreetAddress": {
                  "streetNumber": "456",
                  "streetName": "Yorkland",
                  "streetType": 380
                },
                "cityTown": "Toronto",
                "provinceCode": 50,
                "postalCode": "M9M9M9",
                "countryCode": 1
              },
              "earnedIncomeList": {
                "earnedIncome": [
                  {
                    "earnedIncomeType": 9,
                    "paymentFrequency": 1,
                    "earnedIncomeAmount": 90000
                  }
                ]
              },
              "contactTelephoneNumber": {
                "telephoneNumber": {
                  "countryCode": "1",
                  "areaCode": "403",
                  "phoneNumber": "3431234",
                  "phoneExtension": "12"
                },
                "usage": 10
              },
              "employmentType": 1,
              "employmentStatus": 10,
              "dateStart": "2021-11-01",
              "industryType": 8,
              "dateStartedInIndustry": "2011-06-13",
              "occupationType": 5,
              "jobTitle": "Manager",
              "companyName": "American Express"
            },
            {
              "earnedIncomeList": {
                "earnedIncome": [
                  {
                    "earnedIncomeType": 10,
                    "paymentFrequency": 1,
                    "earnedIncomeAmount": 50000
                  }
                ]
              },
              "contactTelephoneNumber": {
                "telephoneNumber": {
                  "countryCode": "1",
                  "areaCode": "528",
                  "phoneNumber": "2965859"
                },
                "usage": 10
              },
              "employmentType": 1,
              "employmentStatus": 10,
              "dateStart": "2015-05-01",
              "dateEnd": "2021-11-01",
              "industryType": 8,
              "dateStartedInIndustry": "2011-06-13",
              "occupationType": 1,
              "jobTitle": "Manager",
              "companyName": "Prev Company"
            }
          ]
        },
        "unearnedIncomeList": {
          "unearnedIncome": [
            {
              "unearnedIncomeAmount": 800,
              "unearnedIncomeType": 99,
              "paymentFrequency": 12,
              "unearnedIncomeDetails": "From FD"
            }
          ]
        },
        "key": "borrower-112109",
        "correspondenceLanguage": 1,
        "emailAddress1": "bob@test.com",
        "maritalStatus": 2,
        "numberOfDependents": 1,
        "sex": 1,
        "residentType": 10
      },
      "customerBorrower": [
        {
          "dateBirth": "1975-04-14",
          "honorific": 4,
          "lastName": "Daniels",
          "firstName": "Marsha",
          "customerTelephoneNumberList": [
            {
              "telephoneNumber": {
                "countryCode": "1",
                "areaCode": "905",
                "phoneNumber": "9100010"
              },
              "usage": 1,
              "preferred": false
            },
            {
              "telephoneNumber": {
                "countryCode": "1",
                "areaCode": "647",
                "phoneNumber": "7891546"
              },
              "usage": 3,
              "preferred": true
            }
          ],
          "employmentList": {
            "employment": [
              {
                "addressCanada": {
                  "postalAddressStreetAddress": {
                    "unitNumber": "659",
                    "streetNumber": "585",
                    "streetName": "3663 South",
                    "streetType": 320,
                    "streetDirection": 2
                  },
                  "cityTown": "Toronto",
                  "provinceCode": 50,
                  "postalCode": "M9M9M9",
                  "countryCode": 1
                },
                "earnedIncomeList": {
                  "earnedIncome": [
                    "[Object]"
                  ]
                },
                "contactTelephoneNumber": {
                  "telephoneNumber": {
                    "countryCode": "1",
                    "areaCode": "403",
                    "phoneNumber": "5298259",
                    "phoneExtension": "859"
                  },
                  "usage": 10
                },
                "employmentType": 1,
                "employmentStatus": 10,
                "dateStart": "2017-02-01",
                "industryType": 8,
                "dateStartedInIndustry": "2007-07-13",
                "occupationType": 1,
                "jobTitle": "Marketing Manager",
                "companyName": "Chase Bank"
              }
            ]
          },
          "unearnedIncomeList": {
            "unearnedIncome": [
              {
                "unearnedIncomeAmount": 800,
                "unearnedIncomeType": 3,
                "paymentFrequency": 12,
                "unearnedIncomeDetails": "From FD"
              }
            ]
          },
          "customerRelationShip": {
            "relationShipToOwnerType": 1
          },
          "key": "borrower-112110",
          "correspondenceLanguage": 1,
          "emailAddress1": "marsha@test.com",
          "maritalStatus": 2,
          "numberOfDependents": 0,
          "sex": 2,
          "residentType": 10
        }
      ]
    },
    "customerAddressList": [
      {
        "customerCurrentAddressTimeAt": [
          {
            "refkeyCustomer": "borrower-112109",
            "fromDate": "2021-02-01"
          }
        ],
        "customerLiabilityRealEstate": [
          {
            "customerReference": {
              "refkeyCustomer": "borrower-112109"
            },
            "refkeyLiability": "property-48853-1"
          }
        ],
        "addressOccupancyPartialOwnerOccupied": {
          "rentalDetails": {
            "annualGrossRentalIncome": 15000,
            "hydro": 1500,
            "rentalOffset": 65,
            "rentalCalcType": 2
          },
          "refkeyAsset": "property-48853"
        },
        "currentPropertyIntendedActionType": 1,
        "annualHeatingAmount": 1500,
        "annualTaxAmount": 2560,
        "includeInTDS": false,
        "customerReference": [
          {
            "refkeyCustomer": "borrower-112109"
          }
        ],
        "type": "CustomerAddressPrimaryResidence",
        "refkeyAddress": "address-402175"
      },
      {
        "addressOccupancyNone": {},
        "includeInTDS": false,
        "customerReference": [
          {
            "refkeyCustomer": "borrower-112109"
          }
        ],
        "type": "CustomerAddressCorrespondence",
        "refkeyAddress": "address-402176"
      },
      {
        "customerCurrentAddressTimeAt": [
          {
            "refkeyCustomer": "borrower-112110",
            "fromDate": "2017-01-01"
          }
        ],
        "addressOccupancyPartialOwnerOccupied": {
          "rentalDetails": {
            "annualGrossRentalIncome": 15000,
            "hydro": 1500,
            "rentalOffset": 65,
            "rentalCalcType": 2
          },
          "refkeyAsset": "property-48853"
        },
        "currentPropertyIntendedActionType": 1,
        "annualHeatingAmount": 1500,
        "annualTaxAmount": 2560,
        "includeInTDS": false,
        "customerReference": [
          {
            "refkeyCustomer": "borrower-112110"
          }
        ],
        "type": "CustomerAddressPrimaryResidence",
        "refkeyAddress": "address-402175"
      }
    ],
    "customerAssetList": [
      {
        "customerReference": {
          "refkeyCustomer": "borrower-112109"
        },
        "refkeyAsset": "asset-40788"
      },
      {
        "customerReference": {
          "refkeyCustomer": "borrower-112110"
        },
        "refkeyAsset": "asset-40783"
      }
    ],
    "customerLiabilityList": [
      {
        "customerReference": {
          "refkeyCustomer": "borrower-112109"
        },
        "refkeyLiability": "liability-42362"
      }
    ]
  },
  "mortgageApplication": {
    "subjectProperty": {
      "subjectPropertyOccupancyOwnerOccupied": {},
      "legalAddress": {
        "details": "6 Toronto",
        "pin": "777"
      },
      "condo": {
        "annualCondoFees": 4200
      },
      "propertyTax": {
        "annualTaxAmount": 3500,
        "taxesPaidBy": 1
      },
      "subjectPropertyAddress": {
        "refkeyAddress": "address-402174"
      },
      "occupancyPurpose": 4,
      "mlsListed": true,
      "mlsNumber": "4891256",
      "heatingType": 2,
      "parkingType": 1,
      "yearBuilt": 2001,
      "waterSupplyType": 10,
      "waterWasteType": 10,
      "propertySize": 2222,
      "propertySizeUnits": 1,
      "lotSize": 2222,
      "lotSizeUnits": 1,
      "environmentalHazardIndicator": false,
      "annualHeatingAmount": 1800,
      "numberOfUnitsTotal": 1,
      "propertyType": 99,
      "propertyDescriptionType": 6,
      "propertyUsageType": 90,
      "propertyZoningType": 1,
      "newPropertyIndicator": false
    },
    "loan": {
      "customProduct": {
        "productCode": "LL5000",
        "productName": "5 Year Fixed EST",
        "rateType": 0,
        "rateCompoundFrequency": 12,
        "productTerm": 6,
        "postedRate": 3.33
      },
      "loanAmount": 0,
      "chargeType": 1,
      "termMonths": 6,
      "amortizationMonths": 188,
      "netRate": 3.33,
      "qualifyingRate": 3.75,
      "maturityDate": "2023-05-08",
      "firstPaymentDate": "2022-12-08",
      "interestAdjustmentDate": "2022-11-08",
      "requestedPayment": 2733.58,
      "paymentAmount": 2733.58,
      "paymentFrequency": 12,
      "repaymentType": 2,
      "lenderCode": 9011
    },
    "downpaymentList": {
      "downpayment": [
        {
          "downpaymentSourceType": 9,
          "description": "Property - 311 Aurora Drive, Calgary, Alberta",
          "amount": 200000
        }
      ]
    },
    "firm": {
      "externalPoSFirm": [
        {
          "posSystemId": 50,
          "firmId": "XDTB"
        }
      ],
      "firmId": "XDTB"
    },
    "submittingAgent": {
      "externalPoSUser": [
        {
          "posSystemId": 50,
          "firmId": "XDTB",
          "userId": "112233"
        }
      ],
      "firstName": "Aleesha",
      "lastName": "Ashraf",
      "emailAddress": "aleesha.ashraf@newton.ca",
      "mortgageLicenseNumber": "9988889"
    },
    "originatingAgent": {
      "externalPoSUser": [
        {
          "posSystemId": 50,
          "firmId": "XDTB",
          "userId": "11246"
        }
      ],
      "addressCanada": {
        "postalAddressStreetAddress": {
          "unitNumber": "550",
          "streetNumber": "2608",
          "streetName": "Granville",
          "streetType": 490,
          "streetDirection": 6
        },
        "cityTown": "Vancouver",
        "provinceCode": 10,
        "postalCode": "V6H3V3",
        "countryCode": 1
      },
      "firstName": "Karen",
      "lastName": "Poulin",
      "emailAddress": "karen.poulin@mscanada.com",
      "mortgageLicenseNumber": "B7403"
    },
    "broker": {
      "externalPoSUser": [
        {
          "posSystemId": 50,
          "firmId": "XDTB",
          "userId": "112233"
        }
      ],
      "firstName": "Aleesha",
      "lastName": "Ashraf",
      "emailAddress": "aleesha.ashraf@newton.ca",
      "mortgageLicenseNumber": "9988889"
    },
    "posApplicationNumber": "VXDTB-70014",
    "isPreapproval": false,
    "fundingDate": "2022-11-08",
    "loanPurposeType": 5,
    "purchasePriceEstimatedValue": 600000,
    "typeOfBuyer": 20,
    "additionalPurpose": "Switch and Transfer"
  }
}

Name	In	Type	Description
	body	Request SubmitApplication

At the top level, the body of a SubmitApplication request is broken down into elements (XML) and objects (JSON) that represent different sections of the request.

CommonData
- AssetList
- LiabilityList
- AddressList
- CreditBureauList
CustomerData
- CustomerList
- CustomerAddressList
- CustomerAssetList
- CustomerLiabilityList
- CustomerCreditBureauList
MortgageApplication
- SubjectProperty
- Loan
- DownpaymentList
- Firm
- SubmittingAgent
- OriginatingAgent
- Broker
- Owner
- etc.

Request

SubmitApplication

Name	Type	Description
unitId required	string min-length(1)	Unit Id (see Authorization)
posSystem required	string min-length(1) max-length(10)	PoS System (see Authorization)
commonData required	CommonData SubmitApplication > Request	Common data - AssetList, LiabilityList, AddressList, CreditBureauList
customerData required	CustomerData SubmitApplication > Request	Customer data
mortgageApplication required	MortgageApplication SubmitApplication > Request	Mortgage application
memo	string nullable	Memo (freeform text)

CommonData

SubmitApplication > Request

Name	Type	Description
assetList required	AssetList SubmitApplication > Request	List of assets
liabilityList required	LiabilityList SubmitApplication > Request	Liability list
addressList required	AddressList SubmitApplication > Request	Address list
creditBureauList	CreditBureauList SubmitApplication > Request	Credit bureau list

AssetList

SubmitApplication > Request

Name	Type	Description
assetRealEstate	array(AssetRealEstate) nullable SubmitApplication > Request	List of real estate assets
assetOther	array(AssetOther) nullable SubmitApplication > Request	List of other assets

AssetRealEstate

SubmitApplication > Request

Name	Type	Description
key	string max-length(255) nullable	Asset key (see Refkeys)
value	number(double) range(0,999999999) nullable	value - money
originalPrice	number(double) range(0,999999999) nullable	Original price
originalDate	string(date) nullable	Original date

AssetOther

SubmitApplication > Request

Name	Type	Description
key	string max-length(255) nullable	Asset key (see Refkeys)
value	number(double) range(0,999999999) nullable	value - money
assetType	AssetOtherType Enums	Asset other type
location	string max-length(50) nullable	Asset location
maturityDate	string(date) nullable	Asset maturity date
additionalAssetHolders	string max-length(255) nullable	Additional asset holders
description	string max-length(50) nullable	Asset description

LiabilityList

SubmitApplication > Request

Name	Type	Description
liabilityRealEstate	array(LiabilityRealEstate) nullable SubmitApplication > Request	Liability list (Real estate)
liabilityOther	array(LiabilityOther) nullable SubmitApplication > Request	Liability list (Other)

LiabilityRealEstate

SubmitApplication > Request

Name	Type	Description
key	string max-length(255) nullable	Liability key (see Refkeys)
fromCreditBureau	boolean nullable	From credit bureau?
accountNumber	string max-length(20) nullable	Account number
othersResponsible	boolean nullable	Are others responsible?
othersResponsibleDetails	string max-length(255) nullable	Others responsible details
monthlyRepayment	number(double) range(0,999999999.99) nullable	Monthly repayment
originalLoanAmount	number(double) range(0,999999999.99) nullable	Original loan amount
outstandingBalance	number(double) range(0,999999999.99) nullable	Outstanding balance
closingDate	string(date) nullable	Closing date
lenderName	string max-length(44) nullable	Lender name
chargeType	ChargeType Enums	Charge type
repaymentType	LoanRepaymentType Enums	Loan repayment type
redemptionStatus	LoanRedemptionStatus Enums	Loan redemption status
inDefault	boolean nullable	Is in default?
purchasePrice	number(double) range(0,99999999.99) nullable	Purchase price
maturityDate	string(date) nullable	Maturity date
netRate	number(double) range(0,999.99) nullable	Net rate
rateType	RateType Enums	Rate type
mortgageInsurer	MortgageInsurerType Enums	Mortgage insurer type
insuredAmount	number(double) range(0,999999999.99) nullable	Insured amount
insurancePremium	number(double) range(0,999999.99) nullable	Insurance premium
insuranceCertificateNumber	string max-length(10) nullable	Insurance certificate number

LiabilityOther

SubmitApplication > Request

Name	Type	Description
key	string max-length(255) nullable	Liability key (see Refkeys)
fromCreditBureau	boolean nullable	From credit bureau?
dateEnd	string(date) nullable	End date
accountNumber	string max-length(30) nullable	Account number
repaymentIndicator	boolean nullable	Repayment indicator
payoffType	PayoffType Enums	Payoff type
monthlyRepayment	number(double) range(0,99999999.99) nullable	Monthly repayment
creditLimit	number(double) range(0,999999999.99) nullable	Credit limit
outstandingBalance	number(double) range(0,999999999.99) nullable	Outstanding balance
lenderName required	string min-length(1) max-length(50)	Lender name
creditCardType	CreditCardType Enums	Credit card type
liabilityType	LiabilityType Enums	Liability type
additionalHolders	boolean nullable	Additional holders?
additionalHoldersDetails	string max-length(255) nullable	Additional holders details

AddressList

SubmitApplication > Request

Name	Type	Description
applicationAddressCanada	array(ApplicationAddressCanada) nullable SubmitApplication > Request	List of addresses (Canada)
applicationAddressUSA	array(ApplicationAddressUSA) nullable SubmitApplication > Request	List of addresses (USA)
applicationAddressOther	array(ApplicationAddressOther) nullable SubmitApplication > Request	List of addresses (Other)
applicationAddressCanadaPartial	ApplicationAddressCanadaPartial SubmitApplication > Request	Partial address (Canada)

ApplicationAddressCanada

SubmitApplication > Request

Name	Type	Description
postalAddressPOBox required	PostalAddressPOBox SubmitApplication > Request	Postal address (PO box)
postalAddressStreetAddress required	PostalAddressStreetAddress SubmitApplication > Request	Postal address (Street address)
cityTown required	string min-length(1) max-length(40)	City/town (municipality)
provinceCode	ProvinceStateCode Enums	Province state code
postalCode required	string min-length(1) max-length(10)	Postal code
countryCode	CountryCode Enums	Country code
key	string max-length(255) nullable	Address key (see Refkeys)

PostalAddressPOBox

SubmitApplication > Request

Name	Type	Description
type	string nullable	Type
unitNumber	string max-length(10) nullable	Unit number
streetNumber	string max-length(10) nullable	Street number
streetName required	string min-length(1) max-length(26)	Street name
streetType	StreetTypeCode Enums	Street type code
streetDirection	StreetDirectionCode Enums	Street direction code
poBoxRRNumber	string max-length(40) nullable	PO box/RR number

PostalAddressStreetAddress

SubmitApplication > Request

Name	Type	Description
type	string nullable	Type
unitNumber	string max-length(10) nullable	Unit number
streetNumber	string max-length(10) nullable	Street number
streetName required	string min-length(1) max-length(26)	Street name
streetType	StreetTypeCode Enums	Street type code
streetDirection	StreetDirectionCode Enums	Street direction code
poBoxRRNumber	string max-length(40) nullable	PO box/RR number

ApplicationAddressUSA

SubmitApplication > Request

Name	Type	Description
postalAddressPOBox	PostalAddressPOBox SubmitApplication > Request	Postal address (PO box)
postalAddressStreetAddress	PostalAddressStreetAddress SubmitApplication > Request	Postal address (Street address)
cityTown required	string min-length(1) max-length(40)	City/town (municipality)
provinceCode	ProvinceStateCode Enums	Province state code
postalCode required	string min-length(1) max-length(10)	Postal code
countryCode	CountryCode Enums	Country code
key	string max-length(255) nullable	Address key (see Refkeys)

ApplicationAddressOther

SubmitApplication > Request

Name	Type	Description
postalAddressPOBox	PostalAddressPOBox SubmitApplication > Request	Postal address (PO box)
postalAddressStreetAddress	PostalAddressStreetAddress SubmitApplication > Request	Postal address (Street address)
cityTown required	string min-length(1) max-length(40)	City/town (municipality)
provinceCode	ProvinceStateCode Enums	Province state code
postalCode required	string min-length(1) max-length(10)	Postal code
countryCode	CountryCode Enums	Country code
key	string max-length(255) nullable	Address key (see Refkeys)

ApplicationAddressCanadaPartial

SubmitApplication > Request

Name	Type	Description
key	string max-length(255) nullable	Address key (see Refkeys)
provinceCode	ProvinceStateCode Enums	Province state code
countryCode	CountryCode Enums	Country code

CreditBureauList

SubmitApplication > Request

Name	Type	Description
creditBureau	array(CreditBureau) nullable SubmitApplication > Request	List of credit bureaus

CreditBureau

SubmitApplication > Request

Remarks

Only one of creditReportEquifax or creditReportTransUnion may be provided

Name	Type	Description
creditReportEquifax	CreditReportEquifax SubmitApplication > Request	Credit bureau report (Equifax)
creditReportTransUnion	CreditReportTransUnion SubmitApplication > Request	Credit bureau report (TransUnion)
humanReadableReport required	HumanReadableReport SubmitApplication > Request	Human readable report
xmlData	XMLData SubmitApplication > Request	XML data (with PDF)
key	string max-length(255) nullable	Credit bureau key (see Refkeys)
provider	string nullable	Provider

CreditReportEquifax

SubmitApplication > Request

Name	Type	Description
reportDate	string(date-time) nullable	Report data
creditScore	integer(int32) range(0,99999) nullable	Credit score
jointCreditScore	integer(int32) range(0,99999) nullable	Joint credit score
noHit	boolean nullable	Not hit?
jointNoHit	boolean nullable	Joint no hit?
value	string nullable	Credit report
dataFormat	string nullable	Data format

CreditReportTransUnion

SubmitApplication > Request

Name	Type	Description
reportDate	string(date-time) nullable	Report data
creditScore	integer(int32) range(0,99999) nullable	Credit score
jointCreditScore	integer(int32) range(0,99999) nullable	Joint credit score
noHit	boolean nullable	Not hit?
jointNoHit	boolean nullable	Joint no hit?
value	string nullable	Credit report

HumanReadableReport

SubmitApplication > Request

Name	Type	Description
type	string nullable	Type - enum of type HumanReadableReport ("Text")
value	string nullable	Value is used to hold the report body

XMLData

SubmitApplication > Request

Name	Type	Description
value	string nullable	XML data (with PDF)

CustomerData

SubmitApplication > Request

Remarks

refkeyCustomer referenced in customerCreditBureaus may not be duplicated

Name	Type	Description
customerList required	CustomerList SubmitApplication > Request	Customer list
customerAddressList required	array(CustomerAddressCorrespondence or CustomerAddressInvestmentProperty or CustomerAddressPreviousResidence or CustomerAddressPrimaryResidence or CustomerAddressSecondaryResidence or CustomerAddressVacationProperty) SubmitApplication > Request	Customer address list
customerAssetList	array(CustomerAssetOther) nullable SubmitApplication > Request	Customer asset list
customerLiabilityList	array(CustomerLiabilityOther) nullable SubmitApplication > Request	Customer liability list
customerCreditBureauList	array(CustomerCreditBureau) nullable SubmitApplication > Request	Customer credit bureau list

CustomerList

SubmitApplication > Request

Name	Type	Description
customerPrimaryBorrower required	Customer SubmitApplication > Request	Customer
customerBorrower	array(Customer) max-items(4) nullable SubmitApplication > Request	Customer borrower
customerGuarantor	array(Customer) max-items(4) nullable SubmitApplication > Request	Customer guarantor

Customer

SubmitApplication > Request

Name	Type	Description
dateBirth	string(date) nullable	Date of birth
honorific	HonorificType Enums	Title
lastName required	string min-length(1) max-length(40)	Last name
firstName required	string min-length(1) max-length(30)	First name
middleName	string max-length(30) nullable	Middle name
suffix	string nullable	Suffix
sin	string max-length(9) nullable	Social insurance number
customerTelephoneNumberList	array(CustomerTelephoneNumber) nullable SubmitApplication > Request	Customer telephone number list
employmentList	EmploymentList SubmitApplication > Request	List of employment
bankruptcyHistoryList	BankruptcyHistoryList SubmitApplication > Request	Bankruptcy history list
unearnedIncomeList	UnearnedIncomeList SubmitApplication > Request	Unearned income list
customerRelationShip	CustomerRelationship SubmitApplication > Request	Customer relationship
key	string max-length(255) nullable	Key - see refkeys
correspondenceLanguage	CorrespondenceLangugageType Enums	Correspondence langugage type
emailAddress1	string max-length(100) nullable	Email address 1
emailAddress2	string max-length(100) nullable	Email address 2
maritalStatus	MaritalStatusType Enums	Marital status type
numberOfDependents	integer(int32) range(0,999) nullable	Number of dependents
sex	Sex Enums	Sex
residentType	Resident Enums	Resident

CustomerTelephoneNumber

SubmitApplication > Request

Name	Type	Description
telephoneNumber	TelephoneNumber SubmitApplication > Request	Telephone number
usage	TelephoneUsageType Enums	Telephone usage type
contactTime	string max-length(30) nullable	Contact time
preferred	boolean nullable	Preferred?

TelephoneNumber

SubmitApplication > Request

Name	Type	Description
countryCode	string max-length(3) nullable	Country code
areaCode	string max-length(5) nullable	Area code
phoneNumber	string max-length(30) nullable	Phone number
phoneExtension	string max-length(8) nullable	Phone extension

EmploymentList

SubmitApplication > Request

Name	Type	Description
employment	array(Employment) nullable SubmitApplication > Request	List of employment

Employment

SubmitApplication > Request

Remarks

Only one of addressCanada, addressUSA or addressOther may be provided

Name	Type	Description
addressCanada required	AddressCanada SubmitApplication > Request	Address (Canada)
addressOther required	AddressOther SubmitApplication > Request	Address (other)
addressUSA required	AddressUSA SubmitApplication > Request	Address (USA)
earnedIncomeList	EarnedIncomeList SubmitApplication > Request	List of earned income
contactPerson	ContactPerson SubmitApplication > Request	Contact person
contactTelephoneNumber	ContactTelephoneNumber SubmitApplication > Request	Contact telephone number
employmentType	EmploymentType Enums	Employment type
employmentStatus	EmploymentStatus Enums	Employment status
dateStart	string(date) nullable	Start date
dateEnd	string(date) nullable	End date
industryType	EmploymentIndustryType Enums	Employment industry type
dateStartedInIndustry	string(date) nullable	Date started in industry
occupationType	EmploymentOccupationType Enums	Employment occupation type
jobTitle	string max-length(50) nullable	Job title
companyName	string max-length(45) nullable	Company name
companyType	string max-length(35) nullable	Company type
operatingAs	string max-length(35) nullable	Operating as

AddressCanada

SubmitApplication > Request

Name	Type	Description
postalAddressPOBox	PostalAddressPOBox SubmitApplication > Request	Postal address (PO box)
postalAddressStreetAddress	PostalAddressStreetAddress SubmitApplication > Request	Postal address (Street address)
cityTown required	string min-length(1) max-length(40)	City/town (municipality)
provinceCode	ProvinceStateCode Enums	Province state code
postalCode required	string min-length(1) max-length(10)	Postal code
countryCode	CountryCode Enums	Country code

AddressOther

SubmitApplication > Request

Name	Type	Description
postalAddressPOBox	PostalAddressPOBox SubmitApplication > Request	Postal address (PO box)
postalAddressStreetAddress	PostalAddressStreetAddress SubmitApplication > Request	Postal address (Street address)
cityTown required	string min-length(1) max-length(40)	City/town (municipality)
provinceCode	ProvinceStateCode Enums	Province state code
postalCode required	string min-length(1) max-length(10)	Postal code
countryCode	CountryCode Enums	Country code

AddressUSA

SubmitApplication > Request

Name	Type	Description
postalAddressPOBox	PostalAddressPOBox SubmitApplication > Request	Postal address (PO box)
postalAddressStreetAddress	PostalAddressStreetAddress SubmitApplication > Request	Postal address (Street address)
cityTown required	string min-length(1) max-length(40)	City/town (municipality)
provinceCode	ProvinceStateCode Enums	Province state code
postalCode required	string min-length(1) max-length(10)	Postal code
countryCode	CountryCode Enums	Country code

EarnedIncomeList

SubmitApplication > Request

Name	Type	Description
earnedIncome	array(EarnedIncome) nullable SubmitApplication > Request	List of earned income

EarnedIncome

SubmitApplication > Request

Name	Type	Description
earnedIncomeType	EarnedIncomeType Enums	Earned income type
paymentFrequency	PaymentFrequency Enums	Payment frequency
earnedIncomeAmount	number(double) range(0,999999999) nullable	Earned income amount

ContactPerson

SubmitApplication > Request

Name	Type	Description
honorific	HonorificType Enums	Title
lastName	string max-length(40) nullable	Last name
firstName	string max-length(30) nullable	First name
emailAddress	string max-length(100) nullable	Email address

ContactTelephoneNumber

SubmitApplication > Request

Name	Type	Description
telephoneNumber	TelephoneNumber SubmitApplication > Request	Telephone number
usage	ContactTelephoneUsageType Enums	Contact telephone usage type
contactTime	string max-length(30) nullable	Contact time

BankruptcyHistoryList

SubmitApplication > Request

Name	Type	Description
bankruptcyHistory	array(BankruptcyHistory) nullable SubmitApplication > Request	Bankruptcy history

BankruptcyHistory

SubmitApplication > Request

Name	Type	Description
debtAmount	number(double) range(0,99999999.99) nullable	Debt amount
dateDeclared	string(date) nullable	Date declared
dateDischarged required	string(date)	Date discharged
monthlyRepayment	number(double) range(0,999999.99) nullable	Monthly repayment
otherDetails	string max-length(255) nullable	Other details

UnearnedIncomeList

SubmitApplication > Request

Name	Type	Description
unearnedIncome	array(UnearnedIncome) nullable SubmitApplication > Request	Unearned income list

UnearnedIncome

SubmitApplication > Request

Name	Type	Description
unearnedIncomeAmount	number(double) range(0,999999999.99) nullable	Unearned income amount
unearnedIncomeType	UnearnedIncomeType Enums	Unearned income type
paymentFrequency	PaymentFrequency Enums	Payment frequency
unearnedIncomeDetails	string max-length(255) nullable	Unearned income details

CustomerRelationship

SubmitApplication > Request

Name	Type	Description
relationShipToOwnerType	ApplicantRelationship Enums	Applicant relationship

CustomerAddressCorrespondence

SubmitApplication > Request

Name	Type	Description
customerReference	array(CustomerReference) nullable SubmitApplication > Request	Customer reference list
type	string nullable
refkeyAddress	string max-length(255) nullable	Address key (see Refkeys)
customerCurrentAddressTimeAt	array(CustomerCurrentAddressTimeAt) nullable SubmitApplication > Request	List of CurrentAddressTimeAt
customerLiabilityRealEstate	array(CustomerLiabilityRealEstate) nullable SubmitApplication > Request	List of customer liabilities (Real estate)
addressOccupancyNone	Empty object	Address occupancy - None
addressOccupancyOwnerOccupied	AddressOccupancyOwnerOccupied SubmitApplication > Request	Address occupancy - Owner Occupied
addressOccupancyPartialOwnerOccupied	AddressOccupancyPartialOwnerOccupied SubmitApplication > Request	Address occupancy - Partial Owner Occupied
addressOccupancyRental	AddressOccupancyRental SubmitApplication > Request	Address occupancy - Rental
addressOccupancySecondHome	AddressOccupancySecondHome SubmitApplication > Request	Address occupancy - Second Home
addressOccupancyTenant	AddressOccupancyTenant SubmitApplication > Request	Address occupancy - Tenant
currentPropertyIntendedActionType	CurrentPropertyIntendedAction Enums	Current property intended action
annualHeatingAmount	number(double) range(0,1234567.99) nullable	Annual heating amount
annualTaxAmount	number(double) range(0,999999999.99) nullable	Annual tax amount
includeInTDS	boolean	Include in TDS?
annualCondoFees	number(double) range(0,99999999.99) nullable	Annual condo fees

CustomerReference

SubmitApplication > Request

Name	Type	Description
refkeyCustomer	string max-length(255) nullable	Customer key (see Refkeys)

CustomerCurrentAddressTimeAt

SubmitApplication > Request

Name	Type	Description
refkeyCustomer	string max-length(255) nullable	Customer key (see Refkeys)
fromDate required	string(date)	From date
toDate	string(date) nullable	To date

CustomerLiabilityRealEstate

SubmitApplication > Request

Name	Type	Description
customerReference	CustomerReference SubmitApplication > Request	Customer reference
refkeyLiability	string max-length(255) nullable	Liability key (see Refkeys)

AddressOccupancyOwnerOccupied

SubmitApplication > Request

Name	Type	Description
refkeyAsset	string max-length(255) nullable	Asset key (see Refkeys)

AddressOccupancyPartialOwnerOccupied

SubmitApplication > Request

Name	Type	Description
rentalDetails	RentalDetails SubmitApplication > Request	Rental details
refkeyAsset	string max-length(255) nullable	Asset key (see Refkeys)

RentalDetails

SubmitApplication > Request

Name	Type	Description
annualGrossRentalIncome	number(double) range(0,99999999.99) nullable	Annual gross rental income
managementExpenses	number(double) range(0,99999999.99) nullable	Management expenses
insurance	number(double) range(0,99999999.99) nullable	Insurance
hydro	number(double) range(0,99999999.99) nullable	Hydro
waterAndSewer	number(double) range(0,99999999.99) nullable	Water and sewer
maintenanceAndRepairs	number(double) range(0,99999999.99) nullable	Maintenance and repairs
interest	number(double) range(0,99999999.99) nullable	Interest
generalExpenses	number(double) range(0,99999999.99) nullable	General expenses
rentalOffset	RentalOffset Enums	Rental offset
rentalCalcType	RentalCalcType Enums	Rental calc type

AddressOccupancyRental

SubmitApplication > Request

Name	Type	Description
rentalDetails	RentalDetails SubmitApplication > Request	Rental details
refkeyAsset	string max-length(255) nullable	Asset key (see Refkeys)

AddressOccupancySecondHome

SubmitApplication > Request

Name	Type	Description
refkeyAsset	string max-length(255) nullable	Asset key (see Refkeys)

AddressOccupancyTenant

SubmitApplication > Request

Name	Type	Description
monthlyRentPaid	number(double) range(0,9999999.99) nullable	Monthly rent paid
tenancyType	TenancyType Enums	Tenancy type

CustomerAddressInvestmentProperty

SubmitApplication > Request

Name	Type	Description
customerReference	array(CustomerReference) nullable SubmitApplication > Request	Customer reference list
type	string nullable
refkeyAddress	string max-length(255) nullable	Address key (see Refkeys)
customerCurrentAddressTimeAt	array(CustomerCurrentAddressTimeAt) nullable SubmitApplication > Request	List of CurrentAddressTimeAt
customerLiabilityRealEstate	array(CustomerLiabilityRealEstate) nullable SubmitApplication > Request	List of customer liabilities (Real estate)
addressOccupancyNone	Empty object	Address occupancy - None
addressOccupancyOwnerOccupied	AddressOccupancyOwnerOccupied SubmitApplication > Request	Address occupancy - Owner Occupied
addressOccupancyPartialOwnerOccupied	AddressOccupancyPartialOwnerOccupied SubmitApplication > Request	Address occupancy - Partial Owner Occupied
addressOccupancyRental	AddressOccupancyRental SubmitApplication > Request	Address occupancy - Rental
addressOccupancySecondHome	AddressOccupancySecondHome SubmitApplication > Request	Address occupancy - Second Home
addressOccupancyTenant	AddressOccupancyTenant SubmitApplication > Request	Address occupancy - Tenant
currentPropertyIntendedActionType	CurrentPropertyIntendedAction Enums	Current property intended action
annualHeatingAmount	number(double) range(0,1234567.99) nullable	Annual heating amount
annualTaxAmount	number(double) range(0,999999999.99) nullable	Annual tax amount
includeInTDS	boolean	Include in TDS?
annualCondoFees	number(double) range(0,99999999.99) nullable	Annual condo fees

CustomerAddressPreviousResidence

SubmitApplication > Request

Name	Type	Description
customerReference	array(CustomerReference) nullable SubmitApplication > Request	Customer reference list
type	string nullable
refkeyAddress	string max-length(255) nullable	Address key (see Refkeys)
customerPreviousAddressTimeAt	array(CustomerPreviousAddressTimeAt) nullable SubmitApplication > Request	List of CustomerPreviousAddressTimeAt
previousAddressOccupancyNone	Empty object	Previous address occupancy - None
previousAddressOccupancyOwnerOccupied	Empty object	Previous address occupancy - Owner Occupied
previousAddressOccupancyPartialOwnerOccupied	Empty object	Previous address occupancy - Partial Owner Occupied
previousAddressOccupancyRental	Empty object	Previous address occupancy - Rental
previousAddressOccupancyTenant	PreviousAddressOccupancyTenant SubmitApplication > Request	Previous address occupancy - Tenant

CustomerPreviousAddressTimeAt

SubmitApplication > Request

Name	Type	Description
refkeyCustomer	string max-length(255) nullable	Customer key (see Refkeys)
fromDate required	string(date)	From date
toDate	string(date) nullable	To date

PreviousAddressOccupancyTenant

SubmitApplication > Request

Name	Type	Description
tenancyType	TenancyType Enums	Tenancy type

CustomerAddressPrimaryResidence

SubmitApplication > Request

Name	Type	Description
customerReference	array(CustomerReference) nullable SubmitApplication > Request	Customer reference list
type	string nullable
refkeyAddress	string max-length(255) nullable	Address key (see Refkeys)
customerCurrentAddressTimeAt	array(CustomerCurrentAddressTimeAt) nullable SubmitApplication > Request	List of CurrentAddressTimeAt
customerLiabilityRealEstate	array(CustomerLiabilityRealEstate) nullable SubmitApplication > Request	List of customer liabilities (Real estate)
addressOccupancyNone	Empty object	Address occupancy - None
addressOccupancyOwnerOccupied	AddressOccupancyOwnerOccupied SubmitApplication > Request	Address occupancy - Owner Occupied
addressOccupancyPartialOwnerOccupied	AddressOccupancyPartialOwnerOccupied SubmitApplication > Request	Address occupancy - Partial Owner Occupied
addressOccupancyRental	AddressOccupancyRental SubmitApplication > Request	Address occupancy - Rental
addressOccupancySecondHome	AddressOccupancySecondHome SubmitApplication > Request	Address occupancy - Second Home
addressOccupancyTenant	AddressOccupancyTenant SubmitApplication > Request	Address occupancy - Tenant
currentPropertyIntendedActionType	CurrentPropertyIntendedAction Enums	Current property intended action
annualHeatingAmount	number(double) range(0,1234567.99) nullable	Annual heating amount
annualTaxAmount	number(double) range(0,999999999.99) nullable	Annual tax amount
includeInTDS	boolean	Include in TDS?
annualCondoFees	number(double) range(0,99999999.99) nullable	Annual condo fees

CustomerAddressSecondaryResidence

SubmitApplication > Request

Name	Type	Description
customerReference	array(CustomerReference) nullable SubmitApplication > Request	Customer reference list
type	string nullable
refkeyAddress	string max-length(255) nullable	Address key (see Refkeys)
customerCurrentAddressTimeAt	array(CustomerCurrentAddressTimeAt) nullable SubmitApplication > Request	List of CurrentAddressTimeAt
customerLiabilityRealEstate	array(CustomerLiabilityRealEstate) nullable SubmitApplication > Request	List of customer liabilities (Real estate)
addressOccupancyNone	Empty object	Address occupancy - None
addressOccupancyOwnerOccupied	AddressOccupancyOwnerOccupied SubmitApplication > Request	Address occupancy - Owner Occupied
addressOccupancyPartialOwnerOccupied	AddressOccupancyPartialOwnerOccupied SubmitApplication > Request	Address occupancy - Partial Owner Occupied
addressOccupancyRental	AddressOccupancyRental SubmitApplication > Request	Address occupancy - Rental
addressOccupancySecondHome	AddressOccupancySecondHome SubmitApplication > Request	Address occupancy - Second Home
addressOccupancyTenant	AddressOccupancyTenant SubmitApplication > Request	Address occupancy - Tenant
currentPropertyIntendedActionType	CurrentPropertyIntendedAction Enums	Current property intended action
annualHeatingAmount	number(double) range(0,1234567.99) nullable	Annual heating amount
annualTaxAmount	number(double) range(0,999999999.99) nullable	Annual tax amount
includeInTDS	boolean	Include in TDS?
annualCondoFees	number(double) range(0,99999999.99) nullable	Annual condo fees

CustomerAddressVacationProperty

SubmitApplication > Request

Name	Type	Description
customerReference	array(CustomerReference) nullable SubmitApplication > Request	Customer reference list
type	string nullable
refkeyAddress	string max-length(255) nullable	Address key (see Refkeys)
customerCurrentAddressTimeAt	array(CustomerCurrentAddressTimeAt) nullable SubmitApplication > Request	List of CurrentAddressTimeAt
customerLiabilityRealEstate	array(CustomerLiabilityRealEstate) nullable SubmitApplication > Request	List of customer liabilities (Real estate)
addressOccupancyNone	Empty object	Address occupancy - None
addressOccupancyOwnerOccupied	AddressOccupancyOwnerOccupied SubmitApplication > Request	Address occupancy - Owner Occupied
addressOccupancyPartialOwnerOccupied	AddressOccupancyPartialOwnerOccupied SubmitApplication > Request	Address occupancy - Partial Owner Occupied
addressOccupancyRental	AddressOccupancyRental SubmitApplication > Request	Address occupancy - Rental
addressOccupancySecondHome	AddressOccupancySecondHome SubmitApplication > Request	Address occupancy - Second Home
addressOccupancyTenant	AddressOccupancyTenant SubmitApplication > Request	Address occupancy - Tenant
currentPropertyIntendedActionType	CurrentPropertyIntendedAction Enums	Current property intended action
annualHeatingAmount	number(double) range(0,1234567.99) nullable	Annual heating amount
annualTaxAmount	number(double) range(0,999999999.99) nullable	Annual tax amount
includeInTDS	boolean	Include in TDS?
annualCondoFees	number(double) range(0,99999999.99) nullable	Annual condo fees

CustomerAssetOther

SubmitApplication > Request

Name	Type	Description
customerReference	CustomerReference SubmitApplication > Request	Customer reference
refkeyAsset	string max-length(255) nullable	Asset key (see Refkeys)

CustomerLiabilityOther

SubmitApplication > Request

Name	Type	Description
customerReference	CustomerReference SubmitApplication > Request	Customer reference
refkeyLiability	string max-length(255) nullable	Liability key (see Refkeys)

CustomerCreditBureau

SubmitApplication > Request

Name	Type	Description
customerReference	array(CustomerReference) max-items(2) nullable SubmitApplication > Request	List of customer references
refkeyCreditBureau	string max-length(255) nullable	Credit bureau key (see Refkeys)

MortgageApplication

SubmitApplication > Request

Name	Type	Description
applicationNumber	string nullable	Application number
brokerRefNumber	string nullable	Broker reference number
subjectProperty required	SubjectProperty SubmitApplication > Request	Subject property
loan required	Loan SubmitApplication > Request	Loan
downpaymentList	DownpaymentList SubmitApplication > Request	List of downpayments
firm required	Firm SubmitApplication > Request	Firm
submittingAgent required	SubmittingAgent SubmitApplication > Request	Submitting agent
originatingAgent required	OriginatingAgent SubmitApplication > Request	Originating agent
broker required	Broker SubmitApplication > Request	Broker
owner required	Owner SubmitApplication > Request	Owner
posApplicationNumber	string nullable	PoS application number
isPreapproval	boolean	Is pre-approval?
fundingDate	string(date) nullable	Funding date
loanPurposeType	LoanPurposeType Enums	Loan purpose type
purchasePriceEstimatedValue	number(double) range(0,99999999.99) nullable	Purchase price/estimated value
improvements	number(double) range(0,99999999.99) nullable	Improvements
typeOfBuyer required	TypeOfBuyer Enums	Type of buyer
additionalPurpose	string max-length(80) nullable	Additional purpose
improveDescription	string max-length(80) nullable	Improve description

SubjectProperty

SubmitApplication > Request

Remarks

Only one of subjectPropertyOccupancyOwnerOccupied, subjectPropertyOccupancyPartialOwnerOccupied, subjectPropertyOccupancyRental or subjectPropertyOccupancySecondHome may be provided

Name	Type	Description
subjectPropertyOccupancyOwnerOccupied	Empty object	Subject property occupancy - Owner Occuped
subjectPropertyOccupancyPartialOwnerOccupied	SubjectPropertyOccupancyPartialOwnerOccupied SubmitApplication > Request	Subject property occupancy - Partial Owner Occupied
subjectPropertyOccupancyRental	SubjectPropertyOccupancyRental SubmitApplication > Request	Subject property occupancy - Rental
subjectPropertyOccupancySecondHome	Empty object	Subject property occupancy - Second Home
legalAddress	LegalAddress SubmitApplication > Request	Legal address
condo	Condo SubmitApplication > Request	Condo
freehold	Empty object	Freehold
leasehold	Leasehold SubmitApplication > Request	Leasehold
propertyTax	PropertyTax SubmitApplication > Request	Property tax
propertyAppraisal	PropertyAppraisal SubmitApplication > Request	Property appraisal
subjectPropertyAddress required	SubjectPropertyAddress SubmitApplication > Request	Subject property address
subjectPropertyInsuranceConsent required	SubjectPropertyInsuranceConsent SubmitApplication > Request	Property appraisal
occupancyPurpose	SubjectPropertyOccupancyPurpose Enums	Subject property occupancy purpose
mlsListed	boolean nullable	MLS listed
mlsNumber	string max-length(30) nullable	MLS number
heatingType	HeatingType Enums	Heating type
parkingType	ParkingType Enums	Parking type
yearBuilt	integer(int32) range(1,3000) nullable	Year built
waterSupplyType	WaterSupplyType Enums	Water supply type
waterWasteType	WaterWasteType Enums	Water waste type
propertySize	integer(int32) range(0,99999) nullable	Property size
propertySizeUnits	AreaMeasurementType Enums	Area measurement type
lotSize	integer(int32) range(0,99999999999) nullable	Lot size
lotSizeUnits	AreaMeasurementType Enums	Area measurement type
environmentalHazardIndicator	boolean nullable	Environmental hazard indicator
buildingConstructionType	BuildingConstructionType Enums	Building construction type
annualHeatingAmount required	number(double) range(0,999999999.99)	Annual heating amount
numberOfUnitsTotal	integer(int32) range(0,99999) nullable	Number of units total
numberOfUnitsRented	integer(int32) range(0,99999) nullable	Number of units rented
propertyType	PropertyType Enums	Property type
propertyDescriptionType	PropertyDescriptionType Enums	Property description type
propertyUsageType	PropertyUsageType Enums	Property usage type
selfBuildIndicator	boolean nullable	Self-build?
propertyZoningType	PropertyZoningType Enums	Property zoning type
newPropertyIndicator	boolean nullable	New property?
cof	string(date) nullable	COF (Condition of finance) date

SubjectPropertyOccupancyPartialOwnerOccupied

SubmitApplication > Request

Name	Type	Description
rentalDetails	RentalDetails SubmitApplication > Request	Rental details

SubjectPropertyOccupancyRental

SubmitApplication > Request

Name	Type	Description
rentalDetails	RentalDetails SubmitApplication > Request	Rental details

LegalAddress

SubmitApplication > Request

Name	Type	Description
details	string max-length(255) nullable	Details
pin	string max-length(30) nullable	PIN
lotNumber	string max-length(30) nullable	Lot number
planNumber	string max-length(30) nullable	Plan number
unitNumber	string max-length(30) nullable	Unit number
levelNumber	string max-length(30) nullable	Level number

Condo

SubmitApplication > Request

Name	Type	Description
annualCondoFees	number(double) range(0,9999999999.99) nullable	Annual condo fees

Leasehold

SubmitApplication > Request

Name	Type	Description
annualLeaseAmount	number(double) range(0,9999999999) nullable	Annual lease amount

PropertyTax

SubmitApplication > Request

Name	Type	Description
annualTaxAmount	number(double) range(0,999999999.99) nullable	Annual tax amount
taxesPaidBy	PropertyTaxPayor Enums	Property tax payor

PropertyAppraisal

SubmitApplication > Request

Name	Type	Description
appraiserAddress	ApplicationAddressCanada SubmitApplication > Request	Address (Canada)
appraisedValue	integer(int32) range(0,9999999999) nullable	Appraised value
dateAppraised	string(date) nullable	Date appraised
companyName	string nullable	Company name

SubjectPropertyAddress

SubmitApplication > Request

Name	Type	Description
refkeyAddress	string max-length(255) nullable	Address key (see Refkeys)

SubjectPropertyInsuranceConsent

SubmitApplication > Request

Name	Type	Description
consentFlag required	boolean	Consent flag
consentDate required	string(date-time)	Consent date

Loan

SubmitApplication > Request

Remarks

Only one of customProduct or lenderProduct needs to be provided

Only one of cmhcMortgageInsurance or geMortgageInsurance may be provided

underwriter is only required when lender underwriters are listed in Lender Details

Name	Type	Description
cmhcMortgageInsurance	CMHCMortgageInsurance SubmitApplication > Request	CMHC mortgage insurance
geMortgageInsurance	GEMortgageInsurance SubmitApplication > Request	Genworth mortgage insurance
customProduct required	CustomProduct SubmitApplication > Request	Custom product
lenderProduct required	LenderProduct SubmitApplication > Request	Lender product
underwriter required	Underwriter SubmitApplication > Request	Underwriter
classification	array(Classification) nullable SubmitApplication > Request	Classification
loanAmount	number(double) range(0,99999999.99)	Loan amount
chargeType	ChargeType Enums	Charge type
lineOfBusiness	LineOfBusiness Enums	Line of business
termMonths	integer(int32) nullable	Term (months)
amortizationMonths	integer(int32) nullable	Amortization (months)
netRate	number(double) range(0,999.999) nullable	Net rate
qualifyingRate required	number(double) range(0,999.999)	Qualifying rate
acceleratedPayment	boolean nullable	Accelerated payment
maturityDate	string(date) nullable	Maturity date
firstPaymentDate	string(date) nullable	First payment date
interestAdjustmentDate	string(date) nullable	Interest adjustment date
requestedPayment	number(double) range(0,999999.99) nullable	Requested payment
paymentAmount	number(double) range(0,999999.99) nullable	Payment amount
paymentFrequency	PaymentFrequency Enums	Payment frequency
repaymentType	LoanRepaymentType Enums	Loan repayment type
lenderCode required	integer(int32) range(0,99999)	Lender code
lenderChannel	ChannelType Enums	Channel type
variableToPrime	string nullable	Variable to prime
loanType	LoanType Enums	Loan type
lenderName	string max-length(255) nullable	Lender name

CMHCMortgageInsurance

SubmitApplication > Request

Name	Type	Description
insurancePremium	number(double) range(0,999999.99)	Insurance premium
blendedAmortization	boolean nullable	Blended amortization
addToLoan	boolean nullable	Add to loan?
serviceType	CMHCServiceType Enums	CMHC service type

GEMortgageInsurance

SubmitApplication > Request

Name	Type	Description
insurancePremium	number(double) range(0,999999.99)	Insurance premium
blendedAmortization	boolean nullable	Blended amortization
addToLoan	boolean nullable	Add to loan?
serviceType	GEServiceType Enums	GE service type

CustomProduct

SubmitApplication > Request

Name	Type	Description
adjustment	number(double) range(-999.999,999.999) nullable	Adjustment
buydown	number(double) range(-999.999,999.999) nullable	Buydown
productCode	string max-length(10) nullable	Product code
productName	string max-length(50) nullable	Product name
rateType required	RateType Enums	Rate type
rateCompoundFrequency required	RateCompoundFrequency Enums	Rate compound frequency
productTerm required	integer(int32) range(1,9999)	Product term (month)
postedRate required	number(double) range(-999.999,999.999)	Posted rate
earlyPayoutOption	EarlyPayoutOptionType Enums	Early payout option type
prePaymentOptionPercent	PrePaymentOptionPercentType Enums	Pre-payment option percent type
locIndicator	boolean nullable
locRepayment	LoCRepaymentType Enums	LoC repayment type

LenderProduct

SubmitApplication > Request

Name	Type	Description
adjustment	number(double) range(-999.999,999.999) nullable	Adjustment
buydown	number(double) range(-999.999,999.999) nullable	Buydown
productCode required	string min-length(1)	Product code
productStartDate	string(date-time)	Product state date

Underwriter

SubmitApplication > Request

Name	Type	Description
userId required	string min-length(1) max-length(10)	Underwriter user Id
unitId required	string min-length(1) max-length(10)	Underwriter unit Id
name	string nullable	Underwriter name
businessType	BusinessType Enums	Business type

Classification

SubmitApplication > Request

Name	Type	Description
mortgageClassification	MortgageClassification Enums	Mortgage classification

DownpaymentList

SubmitApplication > Request

Name	Type	Description
downpayment	array(Downpayment) nullable SubmitApplication > Request	List of downpayments

Downpayment

SubmitApplication > Request

Name	Type	Description
downpaymentSourceType	DownpaymentSourceType Enums	Downpayment source type
description	string max-length(100) nullable	Downpayment description
amount	number(double) range(0,99999999.99) nullable	Downpayment amount

Firm

SubmitApplication > Request

Name	Type	Description
externalPoSFirm	array(ExternalPoSFirm) nullable SubmitApplication > Request	External PoS firm list
firmId required	string min-length(1) max-length(50)	Firm Id
name	string max-length(50) nullable	Firm name

ExternalPoSFirm

SubmitApplication > Request

Name	Type	Description
posSystemId	PosSystemType Enums	PoS system type
firmId required	string min-length(1) max-length(50)	Firm Id

SubmittingAgent

SubmitApplication > Request

Name	Type	Description
externalPoSUser	array(ExternalPoSUser) nullable SubmitApplication > Request	List of external PoS users
addressCanada	AddressCanada SubmitApplication > Request	Address (Canada)
addressOther	AddressOther SubmitApplication > Request	Address (other)
addressUSA	AddressUSA SubmitApplication > Request	Address (USA)
userId	string max-length(10) nullable	User Id
firstName required	string min-length(1) max-length(40)	First name
lastName required	string min-length(1) max-length(40)	Last name
emailAddress required	string min-length(1) max-length(100)	Email address
mortgageLicenseNumber	string max-length(10) nullable	Mortgage license number

ExternalPoSUser

SubmitApplication > Request

Name	Type	Description
posSystemId	PosSystemType Enums	PoS system type
firmId required	string min-length(1) max-length(50)	Firm Id
userId required	string min-length(1) max-length(50)	User Id

OriginatingAgent

SubmitApplication > Request

Name	Type	Description
externalPoSUser	array(ExternalPoSUser) nullable SubmitApplication > Request	List of external PoS users
addressCanada	AddressCanada SubmitApplication > Request	Address (Canada)
addressOther	AddressOther SubmitApplication > Request	Address (other)
addressUSA	AddressUSA SubmitApplication > Request	Address (USA)
userId	string max-length(10) nullable	User Id
firstName required	string min-length(1) max-length(40)	First name
lastName required	string min-length(1) max-length(40)	Last name
emailAddress required	string min-length(1) max-length(100)	Email address
mortgageLicenseNumber	string max-length(10) nullable	Mortgage license number

Broker

SubmitApplication > Request

Name	Type	Description
externalPoSUser	array(ExternalPoSUser) nullable SubmitApplication > Request	List of external PoS users
addressCanada	AddressCanada SubmitApplication > Request	Address (Canada)
addressOther	AddressOther SubmitApplication > Request	Address (other)
addressUSA	AddressUSA SubmitApplication > Request	Address (USA)
userId	string max-length(10) nullable	User Id
firstName required	string min-length(1) max-length(40)	First name
lastName required	string min-length(1) max-length(40)	Last name
emailAddress required	string min-length(1) max-length(100)	Email address
mortgageLicenseNumber	string max-length(10) nullable	Mortgage license number

Owner

SubmitApplication > Request

Name	Type	Description
externalPoSUser	array(ExternalPoSUser) nullable SubmitApplication > Request	List of external PoS users
addressCanada	AddressCanada SubmitApplication > Request	Address (Canada)
addressOther	AddressOther SubmitApplication > Request	Address (other)
addressUSA	AddressUSA SubmitApplication > Request	Address (USA)
userId	string max-length(10) nullable	User Id
firstName required	string min-length(1) max-length(40)	First name
lastName required	string min-length(1) max-length(40)	Last name
emailAddress required	string min-length(1) max-length(100)	Email address
mortgageLicenseNumber	string max-length(10) nullable	Mortgage license number

Responses

Sample Response

200 Response

{
  "mortgageApplication": {
    "submittingAgent": {
      "userId": "aashraf100"
    },
    "originatingAgent": {
      "userId": "kpoulin100"
    },
    "broker": {
      "userId": "aashraf100"
    },
    "applicationNumber": "M101338314",
    "brokerRefNumber": "XDTB.0003561"
  },
  "status": "ok"
}

Status	Schema
200 OK	SubmitApplication > Response

Response

SubmitApplication

Name	Type	Description
error	array(ServiceError) nullable	List of errors
status required	ResponseStatus Enums
mortgageApplication	MortgageApplication SubmitApplication > Response	Mortgage application

MortgageApplication

SubmitApplication > Response

Name	Type	Description
applicationNumber	string nullable	Application number
brokerRefNumber	string nullable	Broker reference number
submittingAgent	SubmitApplicationUser SubmitApplication > Response	Submit application user
originatingAgent	SubmitApplicationUser SubmitApplication > Response	Submit application user
broker	SubmitApplicationUser SubmitApplication > Response	Submit application user
owner	SubmitApplicationUser SubmitApplication > Response	Submit application user
lenderChannel	ChannelType Enums	Channel type

SubmitApplicationUser

SubmitApplication > Response

Name	Type	Description
userId	string nullable	User Id

Refkey pairs

With a SubmitApplication request, ref key pairs are used to associate data.

A refkey pair consists of two objects:

the first object has a key property that acts as an identifier
the second object has a refKey that associates it to the first object

For example, refkey pairs are used to associate a single address in the address list with two or more borrowers who are living together.
In this way, using refkey pairs avoids duplication and redundancy.

Examples of refkey pairs:

Properties

"assetRealEstate": [
  {
    "key": "property-28129",
    "...": ...

"customerAddressList": [
  {
    "type": "CustomerAddressPrimaryResidence",
    "addressOccupancyPartialOwnerOccupied": {
      "refkeyAsset": "property-28129",
      "...": ...

The property with key "property-28129":

defined as asset under "assetRealEstate"
referenced in "addressOccupancyPartialOwnerOccupied"

Assets

"assetOther": [
  {
    "key": "asset-8747",
    "...": ...

"customerAssetList": [
  {
    "refkeyAsset": "asset-8747",
    "...": ...

An asset with key "asset-8747":

defined as non real estate asset in "assetOther"
referenced in "customerAssetList"

Liabilities

"liabilityOther": [
  {
    "key": "liability-108372",
    "...": ...

"customerLiabilityList": [
  {
    "refkeyLiability": "liability-108372",
    "...": ...

A liability with key "liability-108372":

defined as non real estate asset in "liabilityOther"
referenced in "customerLiabilityList"

Borrowers

"cusotmerList": {
  "customerPrimaryBorrower": {
    "key": "borrower-89455",
    "...": ...

"customerAddressList": [
  {
    "type": "CustomerAddressPrimaryResidence",
    "cusomterReference": [
      {
        "refkeyCustomer": "borrower-89455",
        "...": ...

A borrower with key "borrower-89455":

defined as customer in "customerPrimaryBorrower"
referenced in "cusomterReference"

Addresses

"addressList": {
  "applicationAddressCanada": {
    "key": "address-359926",
    "...": ...

"customerAddressList": [
  {
    "type": "CustomerAddressPrimaryResidence",
    "refkeyAddress": "address-359926",
    "...": ...

An address with key "address-359926":

defined as address in "applicationAddressCanada"
referenced in "customerAddressList"

Credit Bureaus

"creditBureauList": {
  "creditBureau": {
    "key": "bureau-18840",
    "...": ...

"customerCreditBureauList": [
  {
    "refkeyCreditBureau": "bureau-18840",
    "...": ...

A credit bureau with key "bureau-18840":

defined as credit bureau in "creditBureau"
referenced in "customerCreditBureauList"

Sample Deals

The below examples show different scenarios for submitting an application to Link using the API.
Refer to the section "Getting Started" for information on getting set up to run the example requests.

Deal 1 is a minimal example - it has the least data required to submit an application request
Deals 2 - 5 have more data and demonstrate different use cases

Deal 1: Minimal Example

Request Body

{
    "commonData": {
        "addressList": {
            "applicationAddressCanada": [
                {
                    "key": "address-382289",
                    "postalAddressStreetAddress": {
                        "poBoxRRNumber": "",
                        "unitNumber": "",
                        "streetNumber": "22",
                        "streetName": "EMPTY",
                        "streetType": 70,
                        "streetDirection": 1
                    },
                    "cityTown": "LONDON",
                    "provinceCode": 50,
                    "postalCode": "M6Z4R5",
                    "countryCode": 1
                }
            ],
            "applicationAddressCanadaPartial": {
                "key": "address-382288",
                "provinceCode": 50,
                "countryCode": 1
            }
        }
    },
    "customerData": {
        "customerList": {
            "customerPrimaryBorrower": {
                "dateBirth": "1967-05-09T00:00:00",
                "lastName": "ZOLOVSKY",
                "firstName": "MADELLINA",
                "customerTelephoneNumberList": [
                    {
                        "telephoneNumber": {
                            "countryCode": "1",
                            "areaCode": "416",
                            "phoneNumber": "5671234"
                        },
                        "usage": 1,
                        "preferred": false
                    }
                ],
                "employmentList": {
                    "employment": [
                        {
                            "earnedIncomeList": {
                                "earnedIncome": [
                                    {
                                        "earnedIncomeType": 9,
                                        "paymentFrequency": 1,
                                        "earnedIncomeAmount": 120000.0
                                    }
                                ]
                            },
                            "employmentType": 1,
                            "employmentStatus": 40,
                            "dateStart": "2013-07-01T00:00:00",
                            "industryType": 1,
                            "occupationType": 3,
                            "jobTitle": "QA",
                            "companyName": "ACME"
                        }
                    ]
                },
                "customerRelationShip": {},
                "key": "borrower-97964",
                "correspondenceLanguage": 1,
                "maritalStatus": 6,
                "numberOfDependents": 0,
                "sex": 1,
                "residentType": 10
            }
        },
        "customerAddressList": [
            {
                "customerCurrentAddressTimeAt": [
                    {
                        "refkeyCustomer": "borrower-97964",
                        "fromDate": "2015-07-01T00:00:00"
                    }
                ],
                "addressOccupancyTenant": {
                    "monthlyRentPaid": 0,
                    "tenancyType": 20
                },
                "currentPropertyIntendedActionType": 2,
                "customerReference": [
                    {
                        "refkeyCustomer": "borrower-97964"
                    }
                ],
                "refkeyAddress": "address-382289",
                "type": "CustomerAddressPrimaryResidence"
            },
            {
                "addressOccupancyNone": {},
                "customerReference": [
                    {
                        "refkeyCustomer": "borrower-97964"
                    }
                ],
                "refkeyAddress": "address-382289",
                "type": "CustomerAddressCorrespondence"
            }
        ]
    },
    "mortgageApplication": {
        "subjectProperty": {
            "subjectPropertyOccupancyOwnerOccupied": {},
            "legalAddress": {},
            "freehold": {},
            "propertyTax": {
                "annualTaxAmount": 5000.0,
                "taxesPaidBy": 1
            },
            "subjectPropertyAddress": {
                "refkeyAddress": "address-382288"
            },
            "occupancyPurpose": 1,
            "mlsListed": false,
            "parkingType": 7,
            "propertySize": 100,
            "propertySizeUnits": 1,
            "lotSize": 100,
            "lotSizeUnits": 1,
            "environmentalHazardIndicator": false,
            "annualHeatingAmount": 540.0,
            "numberOfUnitsTotal": 1,
            "propertyDescriptionType": 1,
            "propertyUsageType": 1,
            "propertyZoningType": 1
        },
        "loan": {
            "freehold": {},
            "lenderProduct": {
                "productCode": "1YRF",
                "productStartDate": "2018-04-06T11:50:00"
            },
            "underwriter": {
                "userId": "<user_id>",
                "unitId": "<underwriter_unit_id>"
            },
            "loanAmount": 899000.0,
            "chargeType": 1,
            "termMonths": "60",
            "amortizationMonths": "300",
            "netRate": 3.7,
            "qualifyingRate": 5,
            "acceleratedPayment": false,
            "maturityDate": "2025-07-10T00:00:00",
            "firstPaymentDate": "2020-07-17T00:00:00",
            "interestAdjustmentDate": "2020-07-10T00:00:00",
            "requestedPayment": 1057.81,
            "paymentAmount": 4583.86,
            "paymentFrequency": 52,
            "repaymentType": 2,
            "lenderCode": <lender_code>,
            "lenderChannel": 10
        },
        "downpaymentList": {
            "downpayment": [
                {
                    "downpaymentSourceType": 10,
                    "amount": 100000.0
                }
            ]
        },
        "firm": {
            "externalPoSFirm": [
                {
                    "posSystemId": 50,
                    "firmId": "<firm_id>"
                }
            ],
            "firmId": "<firm_id>"
        },
        "submittingAgent": {
            "externalPoSUser": [
                {
                    "posSystemId": 50,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_2>"
                }
            ],
            "userId": "<user_id>",
            "firstName": "<user_firstname>",
            "lastName": "<user_lastname>",
            "emailAddress": "<user_email_address>",
            "mortgageLicenseNumber": "<mortgage_license_number>"
        },
        "originatingAgent": {
            "externalPoSUser": [
                {
                    "posSystemId": 50,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_2>"
                }
            ],
            "addressCanada": {
                "postalAddressStreetAddress": {
                    "poBoxRRNumber": "",
                    "unitNumber": "123",
                    "streetNumber": "2608",
                    "streetName": "Granville",
                    "streetType": 1240,
                    "streetDirection": 2
                },
                "cityTown": "Vancouver",
                "provinceCode": 10,
                "postalCode": "V6H3V3",
                "countryCode": 1
            },
            "userId": "<user_id>",
            "firstName": "<user_firstname>",
            "lastName": "<user_lastname>",
            "emailAddress": "<user_email_address>",
            "mortgageLicenseNumber": "<mortgage_license_number>"
        },
        "broker": {
            "externalPoSUser": [
                {
                    "posSystemId": 50,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_2>"
                }
            ],
            "userId": "<user_id>",
            "firstName": "<user_firstname>",
            "lastName": "<user_lastname>",
            "emailAddress": "<user_email_address>",
            "mortgageLicenseNumber": "<mortgage_license_number>"
        },
        "posApplicationNumber": "ABCD-12345",
        "isPreapproval": true,
        "fundingDate": "2025-01-01T00:00:00",
        "loanPurposeType": 3,
        "purchasePriceEstimatedValue": 999000.0
    },
    "memo": "\n Applicants:\n Participants- Agent: Jane Smith Assoc/Asst: Jane Smith\n File touched by: Jane Smith\n MADELLINA ZORIN for ACME as QA\n\n Selected Product: 1YRF\n ",
    "unitId": "<unit_id>",
    "posSystem": "<pos_system_id>"
}

This example demonstrates a minimal example.

Deal 2

Request Body

{
    "commonData": {
        "assetList": {
            "assetRealEstate": [
                {
                    "originalPrice": 1345000.0,
                    "originalDate": "2007-05-01T00:00:00",
                    "key": "property-34378",
                    "value": 1345000.0
                },
                {
                    "originalPrice": 500000.0,
                    "originalDate": "2001-01-01T00:00:00",
                    "key": "property-34381",
                    "value": 500000.0
                }
            ],
            "assetOther": [
                {
                    "assetType": 71,
                    "description": "description 1",
                    "key": "asset-82859",
                    "value": 111.0
                },
                {
                    "assetType": 72,
                    "description": "description 2",
                    "key": "asset-82860",
                    "value": 222.0
                },
                {
                    "assetType": 73,
                    "description": "description 3",
                    "key": "asset-82861",
                    "value": 333.0
                },
                {
                    "assetType": 20,
                    "description": "description 4",
                    "key": "asset-82862",
                    "value": 444.0
                },
            ]
        },
        "liabilityList": {
            "liabilityRealEstate": [
                {
                    "accountNumber": "1111",
                    "monthlyRepayment": 55.0,
                    "originalLoanAmount": 200000.0,
                    "outstandingBalance": 50000.0,
                    "closingDate": "2007-05-01T00:00:00",
                    "lenderName": "Gringotts",
                    "chargeType": 1,
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            }
        ]
    },
    "mortgageApplication": {
        "subjectProperty": {
            "subjectPropertyOccupancyPartialOwnerOccupied": {
                "rentalDetails": {
                    "annualGrossRentalIncome": 24000.0,
                    "managementExpenses": 36.0,
                    "insurance": 24.0,
                    "hydro": 12.0,
                    "maintenanceAndRepairs": 48.0,
                    "interest": 60.0,
                    "generalExpenses": 72.0,
                    "rentalOffset": 50,
                    "rentalCalcType": 2
                }
            },
            "legalAddress": {
                "details": "1",
                "pin": "1",
                "planNumber": "1"
            },
            "condo": {
                "annualCondoFees": 2808.0
            },
            "propertyTax": {
                "annualTaxAmount": 2000.0,
                "taxesPaidBy": 1
            },
            "propertyAppraisal": {
                "appraiserAddress": {
                    "key": "address-382312",
                    "postalAddressStreetAddress": {
                        "poBoxRRNumber": "",
                        "unitNumber": "123",
                        "streetNumber": "3243243",
                        "streetName": "2434543543",
                        "streetType": 100,
                        "streetDirection": 1
                    },
                    "cityTown": "LONDON",
                    "provinceCode": 50,
                    "postalCode": "M7Y4R5",
                    "countryCode": 1
                },
                "appraisedValue": 1345000,
                "dateAppraised": "2020-05-01T00:00:00",
                "companyName": "Appraisal Company"
            },
            "subjectPropertyAddress": {
                "refkeyAddress": "address-382309"
            },
            "occupancyPurpose": 4,
            "mlsListed": false,
            "mlsNumber": "1",
            "heatingType": 1,
            "parkingType": 1,
            "yearBuilt": 2000,
            "waterSupplyType": 10,
            "waterWasteType": 10,
            "propertySize": 2222,
            "propertySizeUnits": 1,
            "lotSize": 3333,
            "lotSizeUnits": 1,
            "environmentalHazardIndicator": false,
            "annualHeatingAmount": 1056.0,
            "numberOfUnitsTotal": 1,
            "propertyType": 1,
            "propertyDescriptionType": 1,
            "propertyUsageType": 1,
            "propertyZoningType": 1,
            "newPropertyIndicator": false
        },
        "loan": {
            "lenderProduct": {
                "productCode": "5YRF",
                "productStartDate": "2018-04-06T11:51:00"
            },
            "underwriter": {
                "userId": "<user_id>",
                "unitId": "1234"
            },
            "loanAmount": 1155000.0,
            "chargeType": 1,
            "termMonths": "64",
            "amortizationMonths": "305",
            "netRate": 3.7,
            "qualifyingRate": 3,
            "acceleratedPayment": false,
            "maturityDate": "2025-07-31T00:00:00",
            "firstPaymentDate": "2020-08-14T00:00:00",
            "interestAdjustmentDate": "2020-07-31T00:00:00",
            "requestedPayment": 2690.89,
            "paymentAmount": 5830.27,
            "paymentFrequency": 26,
            "repaymentType": 2,
            "lenderCode": <lender_code>,
            "lenderChannel": 10
        },
        "downpaymentList": {
            "downpayment": [
                {
                    "downpaymentSourceType": 3,
                    "description": "description 1",
                    "amount": 100000.0
                },
                {
                    "downpaymentSourceType": 9,
                    "description": "description 2",
                    "amount": 20000.0
                },
                {
                    "downpaymentSourceType": 99,
                    "description": "description 3",
                    "amount": 50000.0
                },
                {
                    "downpaymentSourceType": 1,
                    "description": "description 4",
                    "amount": 20000.0
                }
            ]
        },
        "firm": {
            "externalPoSFirm": [
                {
                    "posSystemId": 50,
                    "firmId": "<firm_id>"
                }
            ],
            "firmId": "<firm_id>"
        },
        "submittingAgent": {
            "externalPoSUser": [
                {
                    "posSystemId": 40,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_1>"
                },
                {
                    "posSystemId": 50,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_2>"
                }
            ],
            "userId": "<user_id>",
            "firstName": "<user_firstname>",
            "lastName": "<user_lastname>",
            "emailAddress": "<user_email_address>",
            "mortgageLicenseNumber": "<mortgage_license_number>"
        },
        "originatingAgent": {
            "externalPoSUser": [
                {
                    "posSystemId": 40,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_1>"
                },
                {
                    "posSystemId": 50,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_2>"
                }
            ],
            "addressCanada": {
                "postalAddressStreetAddress": {
                    "poBoxRRNumber": "",
                    "unitNumber": "123",
                    "streetNumber": "1608",
                    "streetName": "Granville",
                    "streetType": 1240,
                    "streetDirection": 2
                },
                "cityTown": "Vancouver",
                "provinceCode": 10,
                "postalCode": "V6Z3V3",
                "countryCode": 1
            },
            "userId": "<user_id>",
            "firstName": "<user_firstname>",
            "lastName": "<user_lastname>",
            "emailAddress": "<user_email_address>",
            "mortgageLicenseNumber": "<mortgage_license_number>"
        },
        "broker": {
            "externalPoSUser": [
                {
                    "posSystemId": 40,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_1>"
                },
                {
                    "posSystemId": 50,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_2>"
                }
            ],
            "userId": "<user_id>",
            "firstName": "<user_firstname>",
            "lastName": "<user_lastname>",
            "emailAddress": "<user_email_address>",
            "mortgageLicenseNumber": "<mortgage_license_number>"
        },
        "posApplicationNumber": "ABCD-12345",
        "isPreapproval": false,
        "fundingDate": "2020-07-31T00:00:00",
        "loanPurposeType": 1,
        "purchasePriceEstimatedValue": 1345000.0,
        "typeOfBuyer": 20
    },
    "memo": "\n    Applicants:\n    Participants-  Agent: Jane Smith Assoc/Asst: Jane Smith\n    File touched by: Jane Smith\n    ALLISON BLACK for Self Company as QA\n    IAN BLACK for Bank Canada as Manager\n    BEATRICE BLACK for ACME as QA222\n    FREDERICK BLACK for NN as QA3333\n    Subj Prop Rental - $2,000.00 add back 50%\n    Assets: (Type - Desc - Amount)\n    Deposit on Purchase - - $111.00\n    Gift - 222 - $222.00\n    Household Goods -  $333.00\n    Life Insurance - 444 - $444.00\n    Mutual Fund/Stock/Bonds -  $555.00\n    Other - 666 - $666.00\n    RRSP - 777 tynrtynrt - $777.00\n    Savings - 888 - $888.00\n    Vehicle - 999 - $999.00\n    Properties: (# - Annual Taxes - Heating /mo)\n    1 (#123 - 12134 Warden Circle S, TORONTO, Ontario, M7Z3E4) - $2,000.00 - $88.00\n    2 (123 MCMICKLING Expressway S, NIAGARA FALLS, Ontario, L2Z1X4) - $4,567.00 - $67.00\n    Credit Bureaus: (Name - Vendor - Pulled By - Requested)\n    ALLISON BLACK - Equifax - JSMITH - 2020-06-02 03:11 PM UTC\n    IAN BLACK - Equifax - JSMITH - 2020-06-02 03:11 PM UTC\n    BEATRICE BLACK - Equifax - JSMITH - 2020-06-02 03:12 PM UTC\n    FREDERICK BLACK - Equifax - JSMITH - 2020-06-02 03:13 PM UTC\n\n    Selected Product: 5YRF\n  ",
    "unitId": "<unit_id>",
    "posSystem": "<pos_system_id>"
}

Deal 2 contains:

Subject Property - Rental Property
Equifax Reports
Full Application
Appraisal

Deal 3

Request Body

{
    "commonData": {
        "assetList": {
            "assetRealEstate": [
                {
                    "originalPrice": 450000.0,
                    "originalDate": "2018-01-01T00:00:00",
                    "key": "property-34383",
                    "value": 500000.0
                },
                {
                    "originalPrice": 4546123.0,
                    "originalDate": "2007-05-01T00:00:00",
                    "key": "property-34387",
                    "value": 456123.0
                },
                {
                    "originalPrice": 345000.0,
                    "originalDate": "2009-01-01T00:00:00",
                    "key": "property-34384",
                    "value": 345000.0
                },
                {
                    "originalPrice": 456000.0,
                    "originalDate": "2007-04-09T00:00:00",
                    "key": "property-34386",
                    "value": 456000.0
                }
            ],
            "assetOther": [
                {
                    "assetType": 71,
                    "description": "(416)5671234",
                    "key": "asset-82868",
                    "value": 11.33
                },
                {
                    "assetType": 72,
                    "description": "Test Liability",
                    "key": "asset-82869",
                    "value": 25.06
                },
                {
                    "assetType": 73,
                    "description": "1234567890!@#$%^&*()_P{}:\"?><>?",
                    "key": "asset-82870",
                    "value": 33.66
                },
                {
                    "assetType": 20,
                    "description": "key=\"liability-93639\" fromCreditBureau=\"true\"",
                    "key": "asset-82871",
                    "value": 444.0
                },
                {
                    "assetType": 70,
                    "description": "dateEnd=\"2013-08-04\"",
                    "key": "asset-82872",
                    "value": 555.0
                },
                {
                    "assetType": 99,
                    "description": "666",
                    "key": "asset-82873",
                    "value": 666.0
                },
                {
                    "assetType": 30,
                    "description": "777",
                    "key": "asset-82874",
                    "value": 777.0
                },
                {
                    "assetType": 10,
                    "description": "888",
                    "key": "asset-82875",
                    "value": 888.0
                },
                {
                    "assetType": 40,
                    "description": "999",
                    "key": "asset-82876",
                    "value": 999.0
                }
            ]
        },
        "liabilityList": {
            "liabilityRealEstate": [
                {
                    "accountNumber": "12345-1234567",
                    "monthlyRepayment": 500.0,
                    "originalLoanAmount": 300000.0,
                    "outstandingBalance": 50000.0,
                    "closingDate": "2018-01-01T00:00:00",
                    "lenderName": "Gringotts",
                    "chargeType": 1,
                    "repaymentType": 2,
                    "redemptionStatus": 1,
                    "maturityDate": "2020-09-18T00:00:00",
                    "netRate": 3,
                    "rateType": 0,
                    "mortgageInsurer": 10,
                    "insuranceCertificateNumber": "1234567890",
                    "key": "property-34383-1",
                    "fromCreditBureau": false
                }
            ],
            "liabilityOther": [
                {
                    "dateEnd": "2019-08-14T00:00:00",
                    "repaymentIndicator": false,
                    "monthlyRepayment": 11.33,
                    "creditLimit": 111.0,
                    "outstandingBalance": 111.0,
                    "lenderName": "Gringotts",
                    "liabilityType": 9,
                    "additionalHolders": true,
                    "additionalHoldersDetails": "111111",
                    "key": "liability-112299",
                    "fromCreditBureau": false
                },
                {
                    "repaymentIndicator": true,
                    "payoffType": 1,
                    "monthlyRepayment": 44.67,
                    "creditLimit": 222.0,
                    "outstandingBalance": 222.0,
                    "lenderName": "Umbrella Corp.",
                    "liabilityType": 4,
                    "key": "liability-112300",
                    "fromCreditBureau": false
                },
                {
                    "repaymentIndicator": true,
                    "payoffType": 2,
                    "monthlyRepayment": 6678.0,
                    "creditLimit": 333.0,
                    "outstandingBalance": 333.0,
                    "lenderName": "Tyrell Corp.",
                    "liabilityType": 3,
                    "additionalHolders": true,
                    "additionalHoldersDetails": "(345)123-6546",
                    "key": "liability-112301",
                    "fromCreditBureau": false
                },
                {
                    "repaymentIndicator": false,
                    "monthlyRepayment": 30.0,
                    "creditLimit": 444.0,
                    "outstandingBalance": 35.0,
                    "lenderName": "Stark Industries",
                    "liabilityType": 8,
                    "key": "liability-112302",
                    "fromCreditBureau": true
                },
                {
                    "repaymentIndicator": true,
                    "payoffType": 1,
                    "monthlyRepayment": 1.0,
                    "creditLimit": 555.0,
                    "outstandingBalance": 33.0,
                    "lenderName": "Gringotts",
                    "liabilityType": 6,
                    "additionalHolders": true,
                    "additionalHoldersDetails": "%^&&*(&%)",
                    "key": "liability-112303",
                    "fromCreditBureau": false
                },
                {
                    "repaymentIndicator": false,
                    "monthlyRepayment": 2.0,
                    "creditLimit": 666.0,
                    "outstandingBalance": 44.0,
                    "lenderName": "CHOAM",
                    "liabilityType": 12,
                    "key": "liability-112304",
                    "fromCreditBureau": false
                },
                {
                    "repaymentIndicator": true,
                    "payoffType": 2,
                    "monthlyRepayment": 3.0,
                    "creditLimit": 777.0,
                    "outstandingBalance": 55.0,
                    "lenderName": "Wayne Enterprises",
                    "liabilityType": 4,
                    "additionalHolders": true,
                    "additionalHoldersDetails": "(41683947p23)",
                    "key": "liability-112305",
                    "fromCreditBureau": false
                },
                {
                    "repaymentIndicator": false,
                    "monthlyRepayment": 4.0,
                    "creditLimit": 88.0,
                    "outstandingBalance": 66.0,
                    "lenderName": "Globex",
                    "liabilityType": 99,
                    "additionalHolders": true,
                    "additionalHoldersDetails": "01.01.2020",
                    "key": "liability-112306",
                    "fromCreditBureau": false
                },
                {
                    "repaymentIndicator": false,
                    "monthlyRepayment": 5.99,
                    "creditLimit": 9999.0,
                    "outstandingBalance": 77.0,
                    "lenderName": "Oscorp",
                    "liabilityType": 1,
                    "key": "liability-112307",
                    "fromCreditBureau": false
                },
                {
                    "repaymentIndicator": true,
                    "payoffType": 2,
                    "monthlyRepayment": 5.0,
                    "creditLimit": 100.0,
                    "outstandingBalance": 88.0,
                    "lenderName": "Nakatomi Trading Corp.",
                    "liabilityType": 2,
                    "additionalHolders": true,
                    "additionalHoldersDetails": "test",
                    "key": "liability-112308",
                    "fromCreditBureau": false
                },
                {
                    "repaymentIndicator": false,
                    "monthlyRepayment": 6.0,
                    "creditLimit": 123.0,
                    "outstandingBalance": 99.0,
                    "lenderName": "Gringotts",
                    "liabilityType": 10,
                    "key": "liability-112309",
                    "fromCreditBureau": false
                },
                {
                    "repaymentIndicator": true,
                    "payoffType": 1,
                    "monthlyRepayment": 7.0,
                    "creditLimit": 1234.0,
                    "outstandingBalance": 123.0,
                    "lenderName": "ACME",
                    "liabilityType": 7,
                    "key": "liability-112310",
                    "fromCreditBureau": false
                },
                {
                    "repaymentIndicator": false,
                    "monthlyRepayment": 8.0,
                    "creditLimit": 2345.0,
                    "outstandingBalance": 233.0,
                    "lenderName": "Frobozz",
                    "liabilityType": 11,
                    "key": "liability-112311",
                    "fromCreditBureau": false
                }
            ]
        },
        "addressList": {
            "applicationAddressCanada": [
                {
                    "key": "address-382315",
                    "postalAddressStreetAddress": {
                        "poBoxRRNumber": "",
                        "unitNumber": "2",
                        "streetNumber": "6",
                        "streetName": "GAGEVIEW CRT",
                        "streetType": 490,
                        "streetDirection": 5
                    },
                    "cityTown": "SCARBOROUGH",
                    "provinceCode": 50,
                    "postalCode": "M1V2E4",
                    "countryCode": 1
                },
                {
                    "key": "address-382316",
                    "postalAddressStreetAddress": {
                        "poBoxRRNumber": "",
                        "unitNumber": "11",
                        "streetNumber": "222",
                        "streetName": "Previous1111",
                        "streetType": 100,
                        "streetDirection": 2
                    },
                    "cityTown": "North York",
                    "provinceCode": 50,
                    "postalCode": "M6R3T5",
                    "countryCode": 1
                },
                {
                    "key": "address-382317",
                    "postalAddressStreetAddress": {
                        "poBoxRRNumber": "",
                        "unitNumber": "22",
                        "streetNumber": "333",
                        "streetName": "Previous222",
                        "streetType": 780,
                        "streetDirection": 1
                    },
                    "cityTown": "Toronto",
                    "provinceCode": 50,
                    "postalCode": "M6T3R4",
                    "countryCode": 1
                },
                {
                    "key": "address-382319",
                    "postalAddressStreetAddress": {
                        "poBoxRRNumber": "",
                        "unitNumber": "1",
                        "streetNumber": "131",
                        "streetName": "MARGARET",
                        "streetType": 30,
                        "streetDirection": 5
                    },
                    "cityTown": "STONEY CREEK",
                    "provinceCode": 50,
                    "postalCode": "L8G3G7",
                    "countryCode": 1
                },
                {
                    "key": "address-382321",
                    "postalAddressStreetAddress": {
                        "poBoxRRNumber": "",
                        "unitNumber": "11",
                        "streetNumber": "123",
                        "streetName": "Finch",
                        "streetType": 590,
                        "streetDirection": 2
                    },
                    "cityTown": "Toronto",
                    "provinceCode": 50,
                    "postalCode": "M6T3R5",
                    "countryCode": 1
                },
                {
                    "key": "address-382331",
                    "postalAddressStreetAddress": {
                        "poBoxRRNumber": "",
                        "unitNumber": "111111",
                        "streetNumber": "22222",
                        "streetName": "Rental Property",
                        "streetType": 620,
                        "streetDirection": 7
                    },
                    "cityTown": "London",
                    "provinceCode": 50,
                    "postalCode": "M3E5T5",
                    "countryCode": 1
                },
                {
                    "key": "address-382314",
                    "postalAddressStreetAddress": {
                        "poBoxRRNumber": "",
                        "unitNumber": "700",
                        "streetNumber": "33",
                        "streetName": "YONGE",
                        "streetType": 490,
                        "streetDirection": 5
                    },
                    "cityTown": "TORONTO",
                    "provinceCode": 50,
                    "postalCode": "M5E1G4",
                    "countryCode": 1
                }
            ]
        },
        "creditBureauList": {
            "creditBureau": [
                {
                    "creditReportEquifax": {
                        "dataFormat": "0H",
                        "reportDate": "2020-06-17T00:00:00",
                        "creditScore": 796,
                        "value": "..."
                    },
                    "humanReadableReport": {
                        "type": "Text",
                        "value": "..."
                    },
                    "key": "bureau-25144",
                    "provider": "Equifax"
                },
                {
                    "creditReportEquifax": {
                        "dataFormat": "0H",
                        "reportDate": "2020-06-17T00:00:00",
                        "creditScore": 525,
                        "value": "..."
                    },
                    "humanReadableReport": {
                        "type": "Text",
                        "value": "..."
                    },
                    "key": "bureau-25148",
                    "provider": "Equifax"
                },
                {
                    "creditReportEquifax": {
                        "dataFormat": "0H",
                        "reportDate": "2020-06-17T00:00:00",
                        "creditScore": 0,
                        "value": "..."
                    },
                    "humanReadableReport": {
                        "type": "Text",
                        "value": "..."
                    },
                    "key": "bureau-25150",
                    "provider": "Equifax"
                }
            ]
        }
    },
    "customerData": {
        "customerList": {
            "customerPrimaryBorrower": {
                "dateBirth": "1952-10-10T00:00:00",
                "honorific": 1,
                "lastName": "ANDERSON",
                "firstName": "JOHN",
                "customerTelephoneNumberList": [
                    {
                        "telephoneNumber": {
                            "countryCode": "1",
                            "areaCode": "416",
                            "phoneNumber": "5672345"
                        },
                        "usage": 1,
                        "preferred": false
                    },
                    {
                        "telephoneNumber": {
                            "countryCode": "1",
                            "areaCode": "416",
                            "phoneNumber": "5551111"
                        },
                        "usage": 4
                    },
                    {
                        "telephoneNumber": {
                            "countryCode": "1",
                            "areaCode": "416",
                            "phoneNumber": "5671234",
                            "phoneExtension": "111"
                        },
                        "usage": 2,
                        "preferred": false
                    },
                    {
                        "telephoneNumber": {
                            "countryCode": "1",
                            "areaCode": "416",
                            "phoneNumber": "7891234"
                        },
                        "usage": 3,
                        "preferred": true
                    }
                ],
                "employmentList": {
                    "employment": [
                        {
                            "addressCanada": {
                                "postalAddressStreetAddress": {
                                    "poBoxRRNumber": "",
                                    "unitNumber": "1D",
                                    "streetNumber": "222",
                                    "streetName": "Employer",
                                    "streetType": 600,
                                    "streetDirection": 4
                                },
                                "cityTown": "Toronto",
                                "provinceCode": 50,
                                "postalCode": "M7Y5T6",
                                "countryCode": 1
                            },
                            "earnedIncomeList": {
                                "earnedIncome": [
                                    {
                                        "earnedIncomeType": 8,
                                        "paymentFrequency": 1,
                                        "earnedIncomeAmount": 150000.0
                                    }
                                ]
                            },
                            "contactTelephoneNumber": {
                                "telephoneNumber": {
                                    "countryCode": "1",
                                    "areaCode": "416",
                                    "phoneNumber": "5671234",
                                    "phoneExtension": "111"
                                },
                                "usage": 10
                            },
                            "employmentType": 1,
                            "employmentStatus": 20,
                            "dateStart": "2014-07-01T00:00:00",
                            "industryType": 99,
                            "dateStartedInIndustry": "2013-07-10T00:00:00",
                            "occupationType": 6,
                            "jobTitle": "QA",
                            "companyName": "Gringott",
                            "companyType": "test",
                            "operatingAs": "test"
                        }
                    ]
                },
                "unearnedIncomeList": {
                    "unearnedIncome": [
                        {
                            "unearnedIncomeAmount": 1.0,
                            "unearnedIncomeType": 3,
                            "paymentFrequency": 1,
                            "unearnedIncomeDetails": "111"
                        },
                        {
                            "unearnedIncomeAmount": 2.33,
                            "unearnedIncomeType": 3,
                            "paymentFrequency": 26,
                            "unearnedIncomeDetails": "222"
                        },
                        {
                            "unearnedIncomeAmount": 3.0,
                            "unearnedIncomeType": 99,
                            "paymentFrequency": 12,
                            "unearnedIncomeDetails": "333"
                        },
                        {
                            "unearnedIncomeAmount": 4.0,
                            "unearnedIncomeType": 99,
                            "paymentFrequency": 4,
                            "unearnedIncomeDetails": "444"
                        },
                        {
                            "unearnedIncomeAmount": 5.0,
                            "unearnedIncomeType": 1,
                            "paymentFrequency": 24,
                            "unearnedIncomeDetails": "555"
                        }
                    ]
                },
                "customerRelationShip": {},
                "key": "borrower-97969",
                "correspondenceLanguage": 1,
                "emailAddress1": "<user_email_address>",
                "maritalStatus": 2,
                "numberOfDependents": 0,
                "sex": 1,
                "residentType": 10
            },
            "customerBorrower": [
                {
                    "dateBirth": "1986-03-07T00:00:00",
                    "honorific": 4,
                    "lastName": "ANDERSON",
                    "firstName": "CHRISTINE",
                    "customerTelephoneNumberList": [
                        {
                            "telephoneNumber": {
                                "countryCode": "1",
                                "areaCode": "416",
                                "phoneNumber": "5671234"
                            },
                            "usage": 1,
                            "preferred": false
                        },
                        {
                            "telephoneNumber": {
                                "countryCode": "1",
                                "areaCode": "416",
                                "phoneNumber": "5671234"
                            },
                            "usage": 2,
                            "preferred": false
                        },
                        {
                            "telephoneNumber": {
                                "countryCode": "1",
                                "areaCode": "416",
                                "phoneNumber": "7891234"
                            },
                            "usage": 3,
                            "preferred": false
                        }
                    ],
                    "employmentList": {
                        "employment": [
                            {
                                "addressCanada": {
                                    "postalAddressStreetAddress": {
                                        "poBoxRRNumber": "",
                                        "unitNumber": "4A",
                                        "streetNumber": "333",
                                        "streetName": "Employer",
                                        "streetType": 100,
                                        "streetDirection": 1
                                    },
                                    "cityTown": "Toronto",
                                    "provinceCode": 50,
                                    "postalCode": "M8N6T5",
                                    "countryCode": 1
                                },
                                "earnedIncomeList": {
                                    "earnedIncome": [
                                        {
                                            "earnedIncomeType": 4,
                                            "paymentFrequency": 1,
                                            "earnedIncomeAmount": 100000.0
                                        }
                                    ]
                                },
                                "contactTelephoneNumber": {
                                    "telephoneNumber": {
                                        "countryCode": "1",
                                        "areaCode": "416",
                                        "phoneNumber": "5671234"
                                    },
                                    "usage": 10
                                },
                                "employmentType": 2,
                                "employmentStatus": 10,
                                "dateStart": "2014-01-01T00:00:00",
                                "industryType": 5,
                                "dateStartedInIndustry": "2012-12-10T00:00:00",
                                "occupationType": 5,
                                "jobTitle": "Manager",
                                "companyName": "TD"
                            }
                        ]
                    }
                    "customerRelationShip": {
                        "relationShipToOwnerType": 1
                    },
                    "key": "borrower-97970",
                    "correspondenceLanguage": 2,
                    "emailAddress1": "CHRISTINE@mail.com",
                    "maritalStatus": 6,
                    "numberOfDependents": 0,
                    "sex": 2,
                    "residentType": 20
                }
            ],
            "customerGuarantor": [
                {
                    "dateBirth": "1967-05-09T00:00:00",
                    "honorific": 5,
                    "lastName": "RENTALANDERSON",
                    "firstName": "HENRY",
                    "customerTelephoneNumberList": [
                        {
                            "telephoneNumber": {
                                "countryCode": "1",
                                "areaCode": "416",
                                "phoneNumber": "5671234"
                            },
                            "usage": 1,
                            "preferred": true
                        },
                        {
                            "telephoneNumber": {
                                "countryCode": "1",
                                "areaCode": "416",
                                "phoneNumber": "5673456"
                            },
                            "usage": 2,
                            "preferred": false
                        },
                        {
                            "telephoneNumber": {
                                "countryCode": "1",
                                "areaCode": "416",
                                "phoneNumber": "7893456"
                            },
                            "usage": 3,
                            "preferred": false
                        }
                    ],
                    "employmentList": {
                        "employment": [
                            {
                                "earnedIncomeList": {
                                    "earnedIncome": [
                                        {
                                            "earnedIncomeType": 10,
                                            "paymentFrequency": 12,
                                            "earnedIncomeAmount": 100.0
                                        }
                                    ]
                                },
                                "contactTelephoneNumber": {
                                    "telephoneNumber": {
                                        "countryCode": "1",
                                        "areaCode": "416",
                                        "phoneNumber": "5673456"
                                    },
                                    "usage": 10
                                },
                                "employmentType": 1,
                                "employmentStatus": 20,
                                "dateStart": "2016-03-01T00:00:00",
                                "industryType": 2,
                                "dateStartedInIndustry": "2013-07-10T00:00:00",
                                "occupationType": 6,
                                "jobTitle": "Boss",
                                "companyName": "HSVBG"
                            }
                        ]
                    },
                    "customerRelationShip": {
                        "relationShipToOwnerType": 4
                    },
                    "key": "borrower-97971",
                    "correspondenceLanguage": 2,
                    "emailAddress1": "HENRY@mail.com",
                    "maritalStatus": 1,
                    "numberOfDependents": 0,
                    "sex": 1,
                    "residentType": 99
                }
            ]
        },
        "customerAddressList": [
            {
                "customerCurrentAddressTimeAt": [
                    {
                        "refkeyCustomer": "borrower-97969",
                        "fromDate": "2019-07-01T00:00:00"
                    }
                ],
                "customerLiabilityRealEstate": [
                    {
                        "customerReference": {
                            "refkeyCustomer": "borrower-97969"
                        },
                        "refkeyLiability": "property-34383-1"
                    }
                ],
                "addressOccupancyPartialOwnerOccupied": {
                    "rentalDetails": {
                        "annualGrossRentalIncome": 18000.0,
                        "managementExpenses": 60.0,
                        "insurance": 72.0,
                        "hydro": 36.0,
                        "maintenanceAndRepairs": 84.0,
                        "interest": 96.0,
                        "generalExpenses": 48.0,
                        "rentalOffset": 50,
                        "rentalCalcType": 1
                    },
                    "refkeyAsset": "property-34383"
                },
                "currentPropertyIntendedActionType": 2,
                "annualHeatingAmount": 660.0,
                "annualTaxAmount": 4000.0,
                "annualCondoFees": 1476.0,
                "customerReference": [
                    {
                        "refkeyCustomer": "borrower-97969"
                    }
                ],
                "refkeyAddress": "address-382315",
                "type": "CustomerAddressPrimaryResidence"
            },
            {
                "customerPreviousAddressTimeAt": [
                    {
                        "refkeyCustomer": "borrower-97969",
                        "fromDate": "2018-07-01T00:00:00",
                        "toDate": "2019-07-01T00:00:00"
                    }
                ],
                "previousAddressOccupancyTenant": {
                    "tenancyType": 10
                },
                "customerReference": [
                    {
                        "refkeyCustomer": "borrower-97969"
                    }
                ],
                "refkeyAddress": "address-382316",
                "type": "CustomerAddressPreviousResidence"
            },
            {
                "customerPreviousAddressTimeAt": [
                    {
                        "refkeyCustomer": "borrower-97969",
                        "fromDate": "2017-07-01T00:00:00",
                        "toDate": "2018-07-01T00:00:00"
                    }
                ],
                "previousAddressOccupancyTenant": {
                    "tenancyType": 20
                },
                "customerReference": [
                    {
                        "refkeyCustomer": "borrower-97969"
                    }
                ],
                "refkeyAddress": "address-382317",
                "type": "CustomerAddressPreviousResidence"
            },
            {
                "addressOccupancyNone": {},
                "customerReference": [
                    {
                        "refkeyCustomer": "borrower-97969"
                    }
                ],
                "refkeyAddress": "address-382315",
                "type": "CustomerAddressCorrespondence"
            },
            {
                "customerCurrentAddressTimeAt": [
                    {
                        "refkeyCustomer": "borrower-97970",
                        "fromDate": "2010-07-01T00:00:00"
                    }
                ],
                "addressOccupancyOwnerOccupied": {
                    "refkeyAsset": "property-34384"
                },
                "currentPropertyIntendedActionType": 2,
                "annualHeatingAmount": 1056.0,
                "annualTaxAmount": 2000.0,
                "annualCondoFees": 1476.0,
                "customerReference": [
                    {
                        "refkeyCustomer": "borrower-97970"
                    }
                ],
                "refkeyAddress": "address-382319",
                "type": "CustomerAddressPrimaryResidence"
            },
            {
                "customerCurrentAddressTimeAt": [
                    {
                        "refkeyCustomer": "borrower-97971",
                        "fromDate": "2012-12-01T00:00:00"
                    }
                ],
                "addressOccupancyPartialOwnerOccupied": {
                    "rentalDetails": {
                        "annualGrossRentalIncome": 120000.0,
                        "managementExpenses": 48.0,
                        "insurance": 60.0,
                        "hydro": 24.0,
                        "maintenanceAndRepairs": 72.0,
                        "interest": 84.0,
                        "generalExpenses": 36.0,
                        "rentalOffset": 100,
                        "rentalCalcType": 2
                    },
                    "refkeyAsset": "property-34386"
                },
                "currentPropertyIntendedActionType": 2,
                "annualHeatingAmount": 924.0,
                "annualTaxAmount": 3000.0,
                "annualCondoFees": 5472.0,
                "customerReference": [
                    {
                        "refkeyCustomer": "borrower-97971"
                    }
                ],
                "refkeyAddress": "address-382321",
                "type": "CustomerAddressPrimaryResidence"
            },
            {
                "customerCurrentAddressTimeAt": [
                    {
                        "refkeyCustomer": "borrower-97969",
                        "fromDate": "2007-05-01T00:00:00"
                    }
                ],
                "addressOccupancyRental": {
                    "rentalDetails": {
                        "annualGrossRentalIncome": 13332.0,
                        "managementExpenses": 12.0,
                        "insurance": 12.0,
                        "hydro": 12.0,
                        "maintenanceAndRepairs": 12.0,
                        "interest": 12.0,
                        "generalExpenses": 12.0,
                        "rentalOffset": 30,
                        "rentalCalcType": 1
                    },
                    "refkeyAsset": "property-34387"
                },
                "currentPropertyIntendedActionType": 2,
                "annualHeatingAmount": 1056.0,
                "annualTaxAmount": 456.0,
                "annualCondoFees": 1476.0,
                "customerReference": [
                    {
                        "refkeyCustomer": "borrower-97969"
                    }
                ],
                "refkeyAddress": "address-382331",
                "type": "CustomerAddressInvestmentProperty"
            }
        ],
        "customerAssetList": [
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyAsset": "asset-82868"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyAsset": "asset-82869"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyAsset": "asset-82870"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyAsset": "asset-82871"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyAsset": "asset-82872"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyAsset": "asset-82873"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyAsset": "asset-82874"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyAsset": "asset-82875"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyAsset": "asset-82876"
            }
        ],
        "customerLiabilityList": [
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyLiability": "liability-112299"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyLiability": "liability-112300"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyLiability": "liability-112301"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyLiability": "liability-112302"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyLiability": "liability-112303"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyLiability": "liability-112304"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyLiability": "liability-112305"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyLiability": "liability-112306"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyLiability": "liability-112307"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyLiability": "liability-112308"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyLiability": "liability-112309"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyLiability": "liability-112310"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97969"
                },
                "refkeyLiability": "liability-112311"
            }
        ],
        "customerCreditBureauList": [
            {
                "customerReference": [
                    {
                        "refkeyCustomer": "borrower-97969"
                    }
                ],
                "refkeyCreditBureau": "bureau-25144"
            },
            {
                "customerReference": [
                    {
                        "refkeyCustomer": "borrower-97970"
                    }
                ],
                "refkeyCreditBureau": "bureau-25148"
            },
            {
                "customerReference": [
                    {
                        "refkeyCustomer": "borrower-97971"
                    }
                ],
                "refkeyCreditBureau": "bureau-25150"
            }
        ]
    },
    "mortgageApplication": {
        "subjectProperty": {
            "subjectPropertyOccupancyPartialOwnerOccupied": {
                "rentalDetails": {
                    "annualGrossRentalIncome": 23988.0,
                    "managementExpenses": 72.0,
                    "insurance": 84.0,
                    "hydro": 96.0,
                    "maintenanceAndRepairs": 60.0,
                    "interest": 48.0,
                    "generalExpenses": 36.0,
                    "rentalOffset": 40,
                    "rentalCalcType": 2
                }
            },
            "legalAddress": {
                "details": "1",
                "pin": "1",
                "planNumber": "1"
            },
            "condo": {
                "annualCondoFees": 1476.0
            },
            "propertyTax": {
                "annualTaxAmount": 3450.0,
                "taxesPaidBy": 1
            },
            "subjectPropertyAddress": {
                "refkeyAddress": "address-382314"
            },
            "occupancyPurpose": 4,
            "mlsListed": false,
            "mlsNumber": "1",
            "heatingType": 2,
            "parkingType": 5,
            "yearBuilt": 2000,
            "waterSupplyType": 20,
            "waterWasteType": 10,
            "propertySize": 2222,
            "propertySizeUnits": 1,
            "lotSize": 3333,
            "lotSizeUnits": 1,
            "environmentalHazardIndicator": false,
            "annualHeatingAmount": 1056.0,
            "numberOfUnitsTotal": 1,
            "propertyType": 5,
            "propertyDescriptionType": 10,
            "propertyUsageType": 8,
            "propertyZoningType": 99,
            "newPropertyIndicator": false
        },
        "loan": {
            "cmhcMortgageInsurance": {
                "insurancePremium": 34160,
                "blendedAmortization": false,
                "addToLoan": true
            },
            "customProduct": {
                "productName": "VAR Product",
                "rateType": 99,
                "rateCompoundFrequency": 1,
                "productTerm": 84,
                "earlyPayoutOption": 20,
                "locIndicator": false,
                "buydown": 0,
                "postedRate": 1.89
            },
            "underwriter": {
                "userId": "<user_id>",
                "unitId": "<underwriter_unit_id>"
            },
            "classification": [
                {
                    "mortgageClassification": 10
                },
                {
                    "mortgageClassification": 20
                },
                {
                    "mortgageClassification": 30
                }
            ],
            "loanAmount": 854000.0,
            "chargeType": 1,
            "termMonths": "84",
            "amortizationMonths": "300",
            "netRate": 1.89,
            "qualifyingRate": 5,
            "acceleratedPayment": false,
            "maturityDate": "2104-11-03T00:00:00",
            "firstPaymentDate": "2020-12-03T00:00:00",
            "interestAdjustmentDate": "2020-11-03T00:00:00",
            "requestedPayment": 1398.85,
            "paymentAmount": 1398.85,
            "paymentFrequency": 12,
            "repaymentType": 1,
            "lenderCode": <lender_code>,
            "lenderChannel": 10
        },
        "downpaymentList": {
            "downpayment": [
                {
                    "downpaymentSourceType": 99,
                    "description": "test",
                    "amount": 111000.0
                }
            ]
        },
        "firm": {
            "externalPoSFirm": [
                {
                    "posSystemId": 50,
                    "firmId": "<firm_id>"
                }
            ],
            "firmId": "<firm_id>"
        },
        "submittingAgent": {
            "externalPoSUser": [
                {
                    "posSystemId": 40,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_1>"
                },
                {
                    "posSystemId": 50,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_2>"
                }
            ],
            "userId": "<user_id>",
            "firstName": "<user_firstname>",
            "lastName": "<user_lastname>",
            "emailAddress": "<user_email_address>",
            "mortgageLicenseNumber": "<mortgage_license_number>"
        },
        "originatingAgent": {
            "externalPoSUser": [
                {
                    "posSystemId": 40,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_1>"
                },
                {
                    "posSystemId": 50,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_2>"
                }
            ],
            "addressCanada": {
                "postalAddressStreetAddress": {
                    "poBoxRRNumber": "",
                    "unitNumber": "123",
                    "streetNumber": "2608",
                    "streetName": "Granville",
                    "streetType": 1240,
                    "streetDirection": 2
                },
                "cityTown": "Vancouver",
                "provinceCode": 10,
                "postalCode": "V6H3V3",
                "countryCode": 1
            },
            "userId": "<user_id>",
            "firstName": "<user_firstname>",
            "lastName": "<user_lastname>",
            "emailAddress": "<user_email_address>",
            "mortgageLicenseNumber": "<mortgage_license_number>"
        },
        "broker": {
            "externalPoSUser": [
                {
                    "posSystemId": 40,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_1>"
                },
                {
                    "posSystemId": 50,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_2>"
                }
            ],
            "userId": "<user_id>",
            "firstName": "<user_firstname>",
            "lastName": "<user_lastname>",
            "emailAddress": "<user_email_address>",
            "mortgageLicenseNumber": "<mortgage_license_number>"
        },
        "posApplicationNumber": "ABCD-56189",
        "isPreapproval": false,
        "fundingDate": "2020-11-03T00:00:00",
        "loanPurposeType": 3,
        "purchasePriceEstimatedValue": 945000.0,
        "improvements": 20000.0,
        "typeOfBuyer": 20,
        "additionalPurpose": "Purpose",
        "improveDescription": "Improve Description"
    },
    "memo": "\n    Applicants:\n    Participants-  Agent: Jane Smith Assoc/Asst: Jane Smith\n    File touched by: Jane Smith\n    JOHN ANDERSON for ACME as QA\n    CHRISTINE ANDERSON for NN as Manager\n    HENRY RENTALANDERSON for HSVBG as Boss\n    Subj Prop Rental - $1,999.00 add back 40%\n    Assets: (Type - Desc - Amount)\n    Deposit on Purchase - (416)5671234 - $11.33\n    Gift - Test Liability - $25.06\n    Household Goods - 1234567890!@#$%^&*()_P{}:\"?><>? - $33.66\n    Life Insurance - key=\"liability-93639\" fromCreditBureau=\"true\" - $444.00\n    Mutual Fund/Stock/Bonds - dateEnd=\"2013-08-04\" - $555.00\n    Other - 666 - $666.00\n    RRSP - 777 - $777.00\n    Savings - 888 - $888.00\n    Vehicle - 999 - $999.00\n    Properties: (# - Annual Taxes - Heating /mo)\n    1 (#2 - 6 GAGEVIEW CRT Street S, SCARBOROUGH, Ontario, M1V2E4) - $4,000.00 - $55.00\n    2 (#111111 - 22222 Rental Property By-pass SW, London, Ontario, M3E5T5) - $456.00 - $88.00\n    3 (#1 - 131 MARGARET AVE Avenue S, STONEY CREEK, Ontario, L8G3G7) - $2,000.00 - $88.00\n    4 (#11 - 123 Finch Abbey N, Toronto, Ontario, M6T3R5) - $3,000.00 - $77.00\n    Credit Bureaus: (Name - Vendor - Pulled By - Requested)\n    JOHN ANDERSON - Equifax - JSMITH - 2020-06-17 07:19 PM UTC\n    CHRISTINE ANDERSON - Equifax - JSMITH - 2020-06-17 07:19 PM UTC\n    HENRY RENTALANDERSON - Equifax - JSMITH - 2020-06-17 07:20 PM UTC\n\n    Selected Product: VAR Product\n  ",
    "unitId": "<firm_id>",
    "posSystem": "<pos_system_id>"
}

Deal 3 contains:

Previous Address
Self Employed
4 Properties

Deal 4

Request Body

{
    "commonData": {
        "assetList": {
            "assetRealEstate": [
                {
                    "originalPrice": 345000.0,
                    "originalDate": "2007-05-01T00:00:00",
                    "key": "property-34400",
                    "value": 345000.0
                },
                {
                    "originalPrice": 300000.0,
                    "originalDate": "2002-01-28T00:00:00",
                    "key": "property-34402",
                    "value": 300000.0
                }
            ],
            "assetOther": [
                {
                    "assetType": 71,
                    "description": "111 description",
                    "key": "asset-82911",
                    "value": 111.0
                },
                {
                    "assetType": 72,
                    "description": "222  description",
                    "key": "asset-82912",
                    "value": 222.0
                },
                {
                    "assetType": 73,
                    "description": "333  description",
                    "key": "asset-82913",
                    "value": 333.0
                },
                {
                    "assetType": 20,
                    "description": "444  description",
                    "key": "asset-82914",
                    "value": 444.0
                },
                {
                    "assetType": 70,
                    "description": "555  description",
                    "key": "asset-82915",
                    "value": 555.0
                },
                {
                    "assetType": 99,
                    "description": "666  description",
                    "key": "asset-82916",
                    "value": 666.0
                },
                {
                    "assetType": 30,
                    "description": "777  description",
                    "key": "asset-82917",
                    "value": 777.0
                },
                {
                    "assetType": 10,
                    "description": "888  description",
                    "key": "asset-82918",
                    "value": 888.0
                },
                {
                    "assetType": 40,
                    "description": "999  description",
                    "key": "asset-82919",
                    "value": 999.0
                }
            ]
        },
        "liabilityList": {
            "liabilityRealEstate": [
                {
                    "accountNumber": "1111",
                    "monthlyRepayment": 55.0,
                    "originalLoanAmount": 200000.0,
                    "outstandingBalance": 50000.0,
                    "closingDate": "2007-05-01T00:00:00",
                    "lenderName": "Gringotts",
                    "chargeType": 1,
                    "repaymentType": 2,
                    "redemptionStatus": 4,
                    "maturityDate": "2020-08-04T00:00:00",
                    "netRate": 3,
                    "rateType": 2,
                    "mortgageInsurer": 10,
                    "insuranceCertificateNumber": "2222",
                    "key": "property-34400-1",
                    "fromCreditBureau": false
                }
            ],
            "liabilityOther": [
                {
                    "dateEnd": "2020-07-31T00:00:00",
                    "repaymentIndicator": true,
                    "payoffType": 2,
                    "monthlyRepayment": 11.0,
                    "creditLimit": 11111.0,
                    "outstandingBalance": 111.0,
                    "lenderName": "Gringotts",
                    "liabilityType": 4,
                    "key": "liability-112331",
                    "fromCreditBureau": false
                },
                {
                    "repaymentIndicator": true,
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                    "streetNumber": "2608",
                    "streetName": "Granville",
                    "streetType": 1240,
                    "streetDirection": 2
                },
                "cityTown": "Vancouver",
                "provinceCode": 10,
                "postalCode": "V6H3V3",
                "countryCode": 1
            },
            "userId": "<user_id>",
            "firstName": "<user_firstname>",
            "lastName": "<user_lastname>",
            "emailAddress": "<user_email_address>",
            "mortgageLicenseNumber": "<mortgage_license_number>"
        },
        "broker": {
            "externalPoSUser": [
                {
                    "posSystemId": 40,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_1>"
                },
                {
                    "posSystemId": 50,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_2>"
                }
            ],
            "userId": "<user_id>",
            "firstName": "<user_firstname>",
            "lastName": "<user_lastname>",
            "emailAddress": "<user_email_address>",
            "mortgageLicenseNumber": "<mortgage_license_number>"
        },
        "posApplicationNumber": "ABCD-56197",
        "isPreapproval": false,
        "fundingDate": "2020-11-05T00:00:00",
        "loanPurposeType": 3,
        "purchasePriceEstimatedValue": 1345000.0,
        "typeOfBuyer": 20
    },
    "memo": "\n    Applicants:\n    Participants-  Agent: Jane Smith Assoc/Asst: Jane Smith\n    File touched by: Jane Smith\n    Richard Hussey for ACME as ROC\n    Sina Hussey for NN as Manager\n    Subj Prop Rental - $2,000.00 add back 50%\n    Assets: (Type - Desc - Amount)\n    Deposit on Purchase - 111 sdfhstsryntysnyumtyumt - $111.00\n    Gift - 222 xfghftyrtyndyu uiimyfu - $222.00\n    Household Goods - 333 xfgbtyrtyn d fh y ydun - $333.00\n    Life Insurance - 444 df ty yuyunytum fyju - $444.00\n    Mutual Fund/Stock/Bonds - 555 xdfg tyh bty ru yumui,ui - $555.00\n    Other - 666 fdg ht yu ghj ui - $666.00\n    RRSP - 777 cv ftyrtynyrmrum - $777.00\n    Savings - 888 cgh btynrty - $888.00\n    Vehicle - 999 fgh bf f dfyu - $999.00\n    Properties: (# - Annual Taxes - Heating /mo)\n    1 (#700 - 2627 26th St NE Street NE, Calgary, Alberta, T1Y1A4) - $2,000.00 - $88.00\n    2 (#22 - 33 Owner Path S, North York, Ontario, M7Y3R5) - $3,000.00 - $99.00\n    Credit Bureaus: (Name - Vendor - Pulled By - Requested)\n    Richard Hussey - Equifax - JSMITH - 2020-07-13 02:27 PM UTC\n    Sina Hussey - Equifax - JSMITH - 2020-07-13 02:27 PM UTC\n\n    Selected Product: VAR Product\n    dzfgvtyrty21345326457657n @!%$#^%$R*&TO*BYILUB l?\":{O_)*(*^%#Fvjhcdfsufgleiurwt\n  ",
    "unitId": "<firm_id>",
    "posSystem": "<pos_system_id>"
}

Deal 4 contains:

2 Employments, Assets, Liabilities
Equifax Reports

Deal 5

Request Body

{
    "commonData": {
        "assetList": {
            "assetRealEstate": [
                {
                    "originalPrice": 345000.0,
                    "originalDate": "2007-05-01T00:00:00",
                    "key": "property-34400",
                    "value": 345000.0
                },
                {
                    "originalPrice": 300000.0,
                    "originalDate": "2002-01-28T00:00:00",
                    "key": "property-34402",
                    "value": 300000.0
                }
            ],
            "assetOther": [
                {
                    "assetType": 71,
                    "description": "111 description",
                    "key": "asset-82911",
                    "value": 111.0
                },
                {
                    "assetType": 72,
                    "description": "222  description",
                    "key": "asset-82912",
                    "value": 222.0
                },
                {
                    "assetType": 73,
                    "description": "333  description",
                    "key": "asset-82913",
                    "value": 333.0
                },
                {
                    "assetType": 20,
                    "description": "444  description",
                    "key": "asset-82914",
                    "value": 444.0
                },
                {
                    "assetType": 70,
                    "description": "555  description",
                    "key": "asset-82915",
                    "value": 555.0
                },
                {
                    "assetType": 99,
                    "description": "666  description",
                    "key": "asset-82916",
                    "value": 666.0
                },
                {
                    "assetType": 30,
                    "description": "777  description",
                    "key": "asset-82917",
                    "value": 777.0
                },
                {
                    "assetType": 10,
                    "description": "888  description",
                    "key": "asset-82918",
                    "value": 888.0
                },
                {
                    "assetType": 40,
                    "description": "999  description",
                    "key": "asset-82919",
                    "value": 999.0
                }
            ]
        },
        "liabilityList": {
            "liabilityRealEstate": [
                {
                    "accountNumber": "1111",
                    "monthlyRepayment": 55.0,
                    "originalLoanAmount": 200000.0,
                    "outstandingBalance": 50000.0,
                    "closingDate": "2007-05-01T00:00:00",
                    "lenderName": "Gringotts",
                    "chargeType": 1,
                    "repaymentType": 2,
                    "redemptionStatus": 4,
                    "maturityDate": "2020-08-04T00:00:00",
                    "netRate": 3,
                    "rateType": 2,
                    "mortgageInsurer": 10,
                    "insuranceCertificateNumber": "2222",
                    "key": "property-34400-1",
                    "fromCreditBureau": false
                }
            ],
            "liabilityOther": [
                {
                    "dateEnd": "2020-07-31T00:00:00",
                    "repaymentIndicator": true,
                    "payoffType": 2,
                    "monthlyRepayment": 11.0,
                    "creditLimit": 11111.0,
                    "outstandingBalance": 111.0,
                    "lenderName": "Gringotts",
                    "liabilityType": 4,
                    "key": "liability-112331",
                    "fromCreditBureau": false
                },
                {
                    "repaymentIndicator": true,
                    "payoffType": 1,
                    "monthlyRepayment": 22.0,
                    "creditLimit": 22222.0,
                    "outstandingBalance": 222.0,
                    "lenderName": "Tyrell Corp.",
                    "liabilityType": 3,
                    "additionalHolders": true,
                    "additionalHoldersDetails": "additional details",
                    "key": "liability-112332",
                    "fromCreditBureau": false
                },
                {
                    "repaymentIndicator": true,
                    "payoffType": 2,
                    "monthlyRepayment": 33.0,
                    "creditLimit": 33333.0,
                    "outstandingBalance": 333.0,
                    "lenderName": "Umbrella Corp.",
                    "liabilityType": 6,
                    "key": "liability-112333",
                    "fromCreditBureau": false
                },
                {
                    "dateEnd": "2020-12-31T00:00:00",
                    "repaymentIndicator": false,
                    "monthlyRepayment": 79.5,
                    "creditLimit": 5500.0,
                    "outstandingBalance": 2650.0,
                    "lenderName": "Wayne Enterprises",
                    "liabilityType": 6,
                    "additionalHolders": true,
                    "additionalHoldersDetails": "additional details",
                    "key": "liability-112337",
                    "fromCreditBureau": true
                },
                {
                    "repaymentIndicator": true,
                    "payoffType": 1,
                    "monthlyRepayment": 69.75,
                    "creditLimit": 4650.0,
                    "outstandingBalance": 2325.0,
                    "lenderName": "Stark Industries",
                    "liabilityType": 6,
                    "additionalHolders": true,
                    "additionalHoldersDetails": "additional details",
                    "key": "liability-112338",
                    "fromCreditBureau": true
                },
                {
                    "repaymentIndicator": false,
                    "monthlyRepayment": 22.5,
                    "creditLimit": 1500.0,
                    "outstandingBalance": 750.0,
                    "lenderName": "Frobozz",
                    "liabilityType": 6,
                    "key": "liability-112339",
                    "fromCreditBureau": true
                },
                {
                    "dateEnd": "2020-08-05T00:00:00",
                    "repaymentIndicator": true,
                    "payoffType": 1,
                    "monthlyRepayment": 119.4,
                    "creditLimit": 8000.0,
                    "outstandingBalance": 3980.0,
                    "lenderName": "Northwind Traders",
                    "liabilityType": 6,
                    "additionalHolders": true,
                    "additionalHoldersDetails": "additional details",
                    "key": "liability-112334",
                    "fromCreditBureau": true
                },
                {
                    "repaymentIndicator": false,
                    "monthlyRepayment": 43.95,
                    "creditLimit": 3000.0,
                    "outstandingBalance": 1465.0,
                    "lenderName": "Contoso",
                    "liabilityType": 6,
                    "key": "liability-112335",
                    "fromCreditBureau": true
                },
                {
                    "repaymentIndicator": false,
                    "monthlyRepayment": 96.0,
                    "creditLimit": 6500.0,
                    "outstandingBalance": 3200.0,
                    "lenderName": "World Wide Importers",
                    "liabilityType": 6,
                    "additionalHolders": true,
                    "additionalHoldersDetails": "additional details",
                    "key": "liability-112336",
                    "fromCreditBureau": true
                }
            ]
        },
        "addressList": {
            "applicationAddressCanada": [
                {
                    "key": "address-382404",
                    "postalAddressStreetAddress": {
                        "poBoxRRNumber": "",
                        "unitNumber": "700",
                        "streetNumber": "2627",
                        "streetName": "26th St NE",
                        "streetType": 490,
                        "streetDirection": 3
                    },
                    "cityTown": "Calgary",
                    "provinceCode": 20,
                    "postalCode": "T1Y1A4",
                    "countryCode": 1
                },
                {
                    "key": "address-382405",
                    "postalAddressStreetAddress": {
                        "poBoxRRNumber": "",
                        "unitNumber": "11",
                        "streetNumber": "222",
                        "streetName": "Bay",
                        "streetType": 660,
                        "streetDirection": 2
                    },
                    "cityTown": "North York",
                    "provinceCode": 50,
                    "postalCode": "M6R3T5",
                    "countryCode": 1
                },
                {
                    "key": "address-382406",
                    "postalAddressStreetAddress": {
                        "poBoxRRNumber": "",
                        "unitNumber": "22",
                        "streetNumber": "3333",
                        "streetName": "Mailing New address",
                        "streetType": 370,
                        "streetDirection": 7
                    },
                    "cityTown": "TORONTO Mailing",
                    "provinceCode": 50,
                    "postalCode": "M1M1M1",
                    "countryCode": 1
                },
                {
                    "key": "address-382407",
                    "postalAddressStreetAddress": {
                        "poBoxRRNumber": "",
                        "unitNumber": "700",
                        "streetNumber": "33",
                        "streetName": "26th St NE",
                        "streetType": 490,
                        "streetDirection": 5
                    },
                    "cityTown": "Calgary",
                    "provinceCode": 20,
                    "postalCode": "T1Y1A4",
                    "countryCode": 1
                },
                {
                    "key": "address-382413",
                    "postalAddressStreetAddress": {
                        "poBoxRRNumber": "",
                        "unitNumber": "22",
                        "streetNumber": "33",
                        "streetName": "Owner",
                        "streetType": 1140,
                        "streetDirection": 5
                    },
                    "cityTown": "North York",
                    "provinceCode": 50,
                    "postalCode": "M7Y3R5",
                    "countryCode": 1
                },
                {
                    "key": "address-382403",
                    "postalAddressStreetAddress": {
                        "poBoxRRNumber": "",
                        "unitNumber": "111A",
                        "streetNumber": "222",
                        "streetName": "RENTAL PROPERTY",
                        "streetType": 670,
                        "streetDirection": 3
                    },
                    "cityTown": "Toronto",
                    "provinceCode": 50,
                    "postalCode": "M6T3E4",
                    "countryCode": 1
                }
            ]
        },
        "creditBureauList": {
            "creditBureau": [
                {
                    "creditReportEquifax": {
                        "dataFormat": "0H",
                        "reportDate": "2020-07-13T00:00:00",
                        "creditScore": 727,
                        "value": "..."
                    },
                    "humanReadableReport": {
                        "type": "Text",
                        "value": "..."
                    },
                    "key": "bureau-25207",
                    "provider": "Equifax"
                },
                {
                    "creditReportEquifax": {
                        "dataFormat": "0H",
                        "reportDate": "2020-07-13T00:00:00",
                        "creditScore": 794,
                        "value": "..."
                    },
                    "humanReadableReport": {
                        "type": "Text",
                        "value": "..."
                    },
                    "key": "bureau-25208",
                    "provider": "Equifax"
                }
            ]
        }
    },
    "customerData": {
        "customerList": {
            "customerPrimaryBorrower": {
                "dateBirth": "1965-07-01T00:00:00",
                "honorific": 1,
                "lastName": "Zorin",
                "firstName": "Richard",
                "middleName": "WW",
                "suffix": "2",
                "customerTelephoneNumberList": [
                    {
                        "telephoneNumber": {
                            "countryCode": "1",
                            "areaCode": "416",
                            "phoneNumber": "5672345"
                        },
                        "usage": 1,
                        "preferred": false
                    },
                    {
                        "telephoneNumber": {
                            "countryCode": "1",
                            "areaCode": "416",
                            "phoneNumber": "5671234",
                            "phoneExtension": "33333"
                        },
                        "usage": 2,
                        "preferred": false
                    },
                    {
                        "telephoneNumber": {
                            "countryCode": "1",
                            "areaCode": "416",
                            "phoneNumber": "7891234"
                        },
                        "usage": 3,
                        "preferred": true
                    }
                ],
                "employmentList": {
                    "employment": [
                        {
                            "addressCanada": {
                                "postalAddressStreetAddress": {
                                    "poBoxRRNumber": "",
                                    "unitNumber": "234",
                                    "streetNumber": "34543",
                                    "streetName": "Main",
                                    "streetType": 940,
                                    "streetDirection": 3
                                },
                                "cityTown": "North DDDDD",
                                "provinceCode": 50,
                                "postalCode": "M7Y5T6",
                                "countryCode": 1
                            },
                            "earnedIncomeList": {
                                "earnedIncome": [
                                    {
                                        "earnedIncomeType": 9,
                                        "paymentFrequency": 1,
                                        "earnedIncomeAmount": 150000.0
                                    }
                                ]
                            },
                            "contactTelephoneNumber": {
                                "telephoneNumber": {
                                    "countryCode": "1",
                                    "areaCode": "416",
                                    "phoneNumber": "5671234",
                                    "phoneExtension": "33333"
                                },
                                "usage": 10
                            },
                            "employmentType": 1,
                            "employmentStatus": 10,
                            "dateStart": "2014-01-01T00:00:00",
                            "industryType": 8,
                            "dateStartedInIndustry": "2013-01-13T00:00:00",
                            "occupationType": 5,
                            "jobTitle": "BOSS",
                            "companyName": "Bank CANADA"
                        },
                        {
                            "addressCanada": {
                                "postalAddressStreetAddress": {
                                    "poBoxRRNumber": "",
                                    "unitNumber": "",
                                    "streetNumber": "45654",
                                    "streetName": "LONGUEUIL RRR",
                                    "streetType": 790,
                                    "streetDirection": 7
                                },
                                "cityTown": "Pleasant",
                                "provinceCode": 60,
                                "postalCode": "M7Y5T6",
                                "countryCode": 1
                            },
                            "earnedIncomeList": {
                                "earnedIncome": [
                                    {
                                        "earnedIncomeType": 99,
                                        "paymentFrequency": 12,
                                        "earnedIncomeAmount": 2345.0
                                    }
                                ]
                            },
                            "contactTelephoneNumber": {
                                "telephoneNumber": {
                                    "countryCode": "1",
                                    "areaCode": "416",
                                    "phoneNumber": "5672342",
                                    "phoneExtension": "43563"
                                },
                                "usage": 10
                            },
                            "employmentType": 2,
                            "employmentStatus": 10,
                            "dateStart": "2007-07-01T00:00:00",
                            "dateEnd": "2014-01-01T00:00:00",
                            "industryType": 10,
                            "dateStartedInIndustry": "2005-04-13T00:00:00",
                            "occupationType": 2,
                            "jobTitle": "Manager",
                            "companyName": "ABC BANK"
                        }
                    ]
                },
                "unearnedIncomeList": {
                    "unearnedIncome": [
                        {
                            "unearnedIncomeAmount": 2222.0,
                            "unearnedIncomeType": 99,
                            "paymentFrequency": 1,
                            "unearnedIncomeDetails": "222"
                        }
                    ]
                },
                "customerRelationShip": {},
                "key": "borrower-97985",
                "correspondenceLanguage": 1,
                "emailAddress1": "<user_email_address>",
                "maritalStatus": 6,
                "numberOfDependents": 0,
                "sex": 1,
                "residentType": 20
            },
            "customerGuarantor": [
                {
                    "dateBirth": "1965-08-01T00:00:00",
                    "honorific": 1,
                    "lastName": "Hussey",
                    "firstName": "Sina",
                    "suffix": "1",
                    "customerTelephoneNumberList": [
                        {
                            "telephoneNumber": {
                                "countryCode": "1",
                                "areaCode": "416",
                                "phoneNumber": "5671234"
                            },
                            "usage": 1,
                            "preferred": false
                        },
                        {
                            "telephoneNumber": {
                                "countryCode": "1",
                                "areaCode": "416",
                                "phoneNumber": "5671234",
                                "phoneExtension": "33333"
                            },
                            "usage": 2,
                            "preferred": true
                        },
                        {
                            "telephoneNumber": {
                                "countryCode": "1",
                                "areaCode": "416",
                                "phoneNumber": "7891234"
                            },
                            "usage": 3,
                            "preferred": false
                        }
                    ],
                    "employmentList": {
                        "employment": [
                            {
                                "addressCanada": {
                                    "postalAddressStreetAddress": {
                                        "poBoxRRNumber": "",
                                        "unitNumber": "2342",
                                        "streetNumber": "234234",
                                        "streetName": "Leslie",
                                        "streetType": 970,
                                        "streetDirection": 7
                                    },
                                    "cityTown": "King",
                                    "provinceCode": 50,
                                    "postalCode": "M7Y4R5",
                                    "countryCode": 1
                                },
                                "earnedIncomeList": {
                                    "earnedIncome": [
                                        {
                                            "earnedIncomeType": 4,
                                            "paymentFrequency": 1,
                                            "earnedIncomeAmount": 100000.0
                                        }
                                    ]
                                },
                                "contactTelephoneNumber": {
                                    "telephoneNumber": {
                                        "countryCode": "1",
                                        "areaCode": "416",
                                        "phoneNumber": "5671234",
                                        "phoneExtension": "33333"
                                    },
                                    "usage": 10
                                },
                                "employmentType": 2,
                                "employmentStatus": 10,
                                "dateStart": "2014-01-01T00:00:00",
                                "industryType": 5,
                                "dateStartedInIndustry": "2012-12-13T00:00:00",
                                "occupationType": 5,
                                "jobTitle": "Manager",
                                "companyName": "TD"
                            }
                        ]
                    },
                    "customerRelationShip": {
                        "relationShipToOwnerType": 3
                    },
                    "key": "borrower-97986",
                    "correspondenceLanguage": 1,
                    "emailAddress1": "MELISSA@mail.com",
                    "maritalStatus": 6,
                    "numberOfDependents": 0,
                    "sex": 1,
                    "residentType": 10
                }
            ]
        },
        "customerAddressList": [
            {
                "customerCurrentAddressTimeAt": [
                    {
                        "refkeyCustomer": "borrower-97985",
                        "fromDate": "2017-12-01T00:00:00"
                    }
                ],
                "customerLiabilityRealEstate": [
                    {
                        "customerReference": {
                            "refkeyCustomer": "borrower-97985"
                        },
                        "refkeyLiability": "property-34400-1"
                    }
                ],
                "addressOccupancyPartialOwnerOccupied": {
                    "rentalDetails": {
                        "annualGrossRentalIncome": 12000.0,
                        "managementExpenses": 36.0,
                        "insurance": 48.0,
                        "hydro": 48.0,
                        "maintenanceAndRepairs": 24.0,
                        "interest": 36.0,
                        "generalExpenses": 60.0
                    },
                    "refkeyAsset": "property-34400"
                },
                "currentPropertyIntendedActionType": 2,
                "annualHeatingAmount": 1056.0,
                "annualTaxAmount": 2000.0,
                "annualCondoFees": 3996.0,
                "customerReference": [
                    {
                        "refkeyCustomer": "borrower-97985"
                    }
                ],
                "refkeyAddress": "address-382404",
                "type": "CustomerAddressPrimaryResidence"
            },
            {
                "customerPreviousAddressTimeAt": [
                    {
                        "refkeyCustomer": "borrower-97985",
                        "fromDate": "2012-07-01T00:00:00",
                        "toDate": "2017-12-01T00:00:00"
                    }
                ],
                "previousAddressOccupancyTenant": {
                    "tenancyType": 10
                },
                "customerReference": [
                    {
                        "refkeyCustomer": "borrower-97985"
                    }
                ],
                "refkeyAddress": "address-382405",
                "type": "CustomerAddressPreviousResidence"
            },
            {
                "addressOccupancyNone": {},
                "customerReference": [
                    {
                        "refkeyCustomer": "borrower-97985"
                    }
                ],
                "refkeyAddress": "address-382406",
                "type": "CustomerAddressCorrespondence"
            },
            {
                "customerCurrentAddressTimeAt": [
                    {
                        "refkeyCustomer": "borrower-97986",
                        "fromDate": "2012-12-01T00:00:00"
                    }
                ],
                "addressOccupancyTenant": {
                    "monthlyRentPaid": 0,
                    "tenancyType": 40
                },
                "addressOccupancyTenant": {
                    "monthlyRentPaid": 0,
                    "tenancyType": 40
                },
                "currentPropertyIntendedActionType": 2,
                "customerReference": [
                    {
                        "refkeyCustomer": "borrower-97986"
                    }
                ],
                "refkeyAddress": "address-382407",
                "type": "CustomerAddressPrimaryResidence"
            },
            {
                "customerCurrentAddressTimeAt": [
                    {
                        "refkeyCustomer": "borrower-97985",
                        "fromDate": "2002-01-28T00:00:00"
                    }
                ],
                "addressOccupancyOwnerOccupied": {
                    "refkeyAsset": "property-34402"
                },
                "currentPropertyIntendedActionType": 2,
                "annualHeatingAmount": 1188.0,
                "annualTaxAmount": 3000.0,
                "annualCondoFees": 2664.0,
                "customerReference": [
                    {
                        "refkeyCustomer": "borrower-97985"
                    }
                ],
                "refkeyAddress": "address-382413",
                "type": "CustomerAddressSecondaryResidence"
            }
        ],
        "customerAssetList": [
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97985"
                },
                "refkeyAsset": "asset-82911"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97985"
                },
                "refkeyAsset": "asset-82912"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97985"
                },
                "refkeyAsset": "asset-82913"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97985"
                },
                "refkeyAsset": "asset-82914"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97985"
                },
                "refkeyAsset": "asset-82915"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97985"
                },
                "refkeyAsset": "asset-82916"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97985"
                },
                "refkeyAsset": "asset-82917"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97985"
                },
                "refkeyAsset": "asset-82918"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97985"
                },
                "refkeyAsset": "asset-82919"
            }
        ],
        "customerLiabilityList": [
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97985"
                },
                "refkeyLiability": "liability-112331"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97985"
                },
                "refkeyLiability": "liability-112332"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97985"
                },
                "refkeyLiability": "liability-112333"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97985"
                },
                "refkeyLiability": "liability-112337"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97985"
                },
                "refkeyLiability": "liability-112338"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97985"
                },
                "refkeyLiability": "liability-112339"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97986"
                },
                "refkeyLiability": "liability-112334"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97986"
                },
                "refkeyLiability": "liability-112335"
            },
            {
                "customerReference": {
                    "refkeyCustomer": "borrower-97986"
                },
                "refkeyLiability": "liability-112336"
            }
        ],
        "customerCreditBureauList": [
            {
                "customerReference": [
                    {
                        "refkeyCustomer": "borrower-97985"
                    }
                ],
                "refkeyCreditBureau": "bureau-25207"
            },
            {
                "customerReference": [
                    {
                        "refkeyCustomer": "borrower-97986"
                    }
                ],
                "refkeyCreditBureau": "bureau-25208"
            }
        ]
    },
    "mortgageApplication": {
        "subjectProperty": {
            "subjectPropertyOccupancyRental": {
                "rentalDetails": {
                    "annualGrossRentalIncome": 24000.0,
                    "managementExpenses": 96.0,
                    "insurance": 84.0,
                    "hydro": 72.0,
                    "maintenanceAndRepairs": 60.0,
                    "interest": 72.0,
                    "rentalOffset": 50,
                    "rentalCalcType": 2
                }
            },
            "legalAddress": {
                "details": "1546735765",
                "pin": "13454645654",
                "planNumber": "12456456456456245"
            },
            "freehold": {},
            "propertyTax": {
                "annualTaxAmount": 4000.0,
                "taxesPaidBy": 1
            },
            "subjectPropertyAddress": {
                "refkeyAddress": "address-382403"
            },
            "occupancyPurpose": 4,
            "mlsListed": false,
            "mlsNumber": "1",
            "heatingType": 1,
            "parkingType": 1,
            "yearBuilt": 2000,
            "waterSupplyType": 20,
            "waterWasteType": 30,
            "propertySize": 2222,
            "propertySizeUnits": 1,
            "lotSize": 3333,
            "lotSizeUnits": 1,
            "environmentalHazardIndicator": false,
            "annualHeatingAmount": 1056.0,
            "numberOfUnitsTotal": 1,
            "propertyType": 1,
            "propertyDescriptionType": 3,
            "propertyUsageType": 7,
            "propertyZoningType": 5,
            "newPropertyIndicator": false
        },
        "loan": {
            "customProduct": {
                "productName": "VAR Product",
                "rateType": 99,
                "rateCompoundFrequency": 1,
                "productTerm": 89,
                "earlyPayoutOption": 20,
                "locIndicator": false,
                "buydown": 0,
                "postedRate": 1.89
            },
            "underwriter": {
                "userId": "<user_id>",
                "unitId": "<underwriter_unit_id>"
            },
            "loanAmount": 1179000.0,
            "chargeType": 1,
            "termMonths": "89",
            "amortizationMonths": "305",
            "netRate": 1.89,
            "qualifyingRate": 4,
            "acceleratedPayment": true,
            "maturityDate": "2104-11-05T00:00:00",
            "firstPaymentDate": "2020-11-19T00:00:00",
            "interestAdjustmentDate": "2020-11-05T00:00:00",
            "requestedPayment": 488.75,
            "paymentAmount": 4925.14,
            "paymentFrequency": 26,
            "repaymentType": 2,
            "lenderCode": <lender_code>,
            "lenderChannel": 10
        },
        "downpaymentList": {
            "downpayment": [
                {
                    "downpaymentSourceType": 99,
                    "description": "Second Financing",
                    "amount": 66000.0
                },
                {
                    "downpaymentSourceType": 4,
                    "description": "gift",
                    "amount": 50000.0
                },
                {
                    "downpaymentSourceType": 8,
                    "description": "grant",
                    "amount": 50000.0
                }
            ]
        },
        "firm": {
            "externalPoSFirm": [
                {
                    "posSystemId": 50,
                    "firmId": "<firm_id>"
                }
            ],
            "firmId": "<firm_id>"
        },
        "submittingAgent": {
            "externalPoSUser": [
                {
                    "posSystemId": 40,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_1>"
                },
                {
                    "posSystemId": 50,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_2>"
                }
            ],
            "userId": "<user_id>",
            "firstName": "<user_firstname>",
            "lastName": "<user_lastname>",
            "emailAddress": "<user_email_address>",
            "mortgageLicenseNumber": "<mortgage_license_number>"
        },
        "originatingAgent": {
            "externalPoSUser": [
                {
                    "posSystemId": 40,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_1>"
                },
                {
                    "posSystemId": 50,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_2>"
                }
            ],
            "addressCanada": {
                "postalAddressStreetAddress": {
                    "poBoxRRNumber": "",
                    "unitNumber": "123",
                    "streetNumber": "2608",
                    "streetName": "Granville",
                    "streetType": 1240,
                    "streetDirection": 2
                },
                "cityTown": "Vancouver",
                "provinceCode": 10,
                "postalCode": "V6H3V3",
                "countryCode": 1
            },
            "userId": "<user_id>",
            "firstName": "<user_firstname>",
            "lastName": "<user_lastname>",
            "emailAddress": "<user_email_address>",
            "mortgageLicenseNumber": "<mortgage_license_number>"
        },
        "broker": {
            "externalPoSUser": [
                {
                    "posSystemId": 40,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_1>"
                },
                {
                    "posSystemId": 50,
                    "firmId": "<firm_id>",
                    "userId": "<user_external_pos_id_2>"
                }
            ],
            "userId": "<user_id>",
            "firstName": "<user_firstname>",
            "lastName": "<user_lastname>",
            "emailAddress": "<user_email_address>",
            "mortgageLicenseNumber": "<mortgage_license_number>"
        },
        "posApplicationNumber": "ABCD-56197",
        "isPreapproval": false,
        "fundingDate": "2020-11-05T00:00:00",
        "loanPurposeType": 3,
        "purchasePriceEstimatedValue": 1345000.0,
        "typeOfBuyer": 20
    },
    "memo": "\n    Applicants:\n    Participants-  Agent: Jane Smith Assoc/Asst: Jane Smith\n    File touched by: Jane Smith\n    Richard Hussey for ACME as ROC\n    Sina Hussey for NN as Manager\n    Subj Prop Rental - $2,000.00 add back 50%\n    Assets: (Type - Desc - Amount)\n    Deposit on Purchase - 111 sdfhstsryntysnyumtyumt - $111.00\n    Gift - 222 xfghftyrtyndyu uiimyfu - $222.00\n    Household Goods - 333 xfgbtyrtyn d fh y ydun - $333.00\n    Life Insurance - 444 df ty yuyunytum fyju - $444.00\n    Mutual Fund/Stock/Bonds - 555 xdfg tyh bty ru yumui,ui - $555.00\n    Other - 666 fdg ht yu ghj ui - $666.00\n    RRSP - 777 cv ftyrtynyrmrum - $777.00\n    Savings - 888 cgh btynrty - $888.00\n    Vehicle - 999 fgh bf f dfyu - $999.00\n    Properties: (# - Annual Taxes - Heating /mo)\n    1 (#700 - 2627 26th St NE Street NE, Calgary, Alberta, T1Y1A4) - $2,000.00 - $88.00\n    2 (#22 - 33 Owner Path S, North York, Ontario, M7Y3R5) - $3,000.00 - $99.00\n    Credit Bureaus: (Name - Vendor - Pulled By - Requested)\n    Richard Hussey - Equifax - JSMITH - 2020-07-13 02:27 PM UTC\n    Sina Hussey - Equifax - JSMITH - 2020-07-13 02:27 PM UTC\n\n    Selected Product: VAR Product\n    dzfgvtyrty21345326457657n @!%$#^%$R*&TO*BYILUB l?\":{O_)*(*^%#Fvjhcdfsufgleiurwt\n  ",
    "unitId": "<firm_id>",
    "posSystem": "<pos_system_id>"
}

Deal 5 contains:

Guarantor
4 Properties

Validate Application

POST https://api-link.newton.ca/v1/validations/applications

Validate Application has a request body identical to a Submit Application request. It can be used to validate the request without performing an actual ingestion and submission.

Parameters

Sample Request

{
  "commonData": {
    "assetList": {
      "assetRealEstate": [
        {
          "originalPrice": 350000,
          "originalDate": "2008-04-29",
          "key": "property-48853",
          "value": 500000
        }
      ],
      "assetOther": [
        {
          "assetType": 70,
          "description": "savings",
          "key": "asset-40788",
          "value": 10000
        },
        {
          "assetType": 10,
          "description": "Cash in the bank",
          "key": "asset-40783",
          "value": 50000
        }
      ]
    },
    "liabilityList": {
      "liabilityRealEstate": [
        {
          "accountNumber": "598685",
          "monthlyRepayment": 1000,
          "originalLoanAmount": 250000,
          "outstandingBalance": 100000,
          "closingDate": "2008-04-29",
          "lenderName": "RBC",
          "chargeType": 1,
          "repaymentType": 2,
          "redemptionStatus": 4,
          "maturityDate": "2023-02-01",
          "netRate": 5,
          "rateType": 0,
          "key": "property-48853-1",
          "fromCreditBureau": false
        }
      ],
      "liabilityOther": [
        {
          "repaymentIndicator": false,
          "monthlyRepayment": 150,
          "creditLimit": 1000,
          "outstandingBalance": 2000,
          "lenderName": "AMEX",
          "liabilityType": 6,
          "key": "liability-42362",
          "fromCreditBureau": false
        }
      ]
    },
    "addressList": {
      "applicationAddressCanada": [
        {
          "key": "address-402175",
          "postalAddressStreetAddress": {
            "streetNumber": "311",
            "streetName": "Aurora",
            "streetType": 190
          },
          "cityTown": "High River",
          "provinceCode": 20,
          "postalCode": "T1V1J5",
          "countryCode": 1
        },
        {
          "key": "address-402176",
          "postalAddressStreetAddress": {
            "unitNumber": "10",
            "streetNumber": "11",
            "streetName": "Chruch",
            "streetType": 490
          },
          "cityTown": "Markham",
          "provinceCode": 50,
          "postalCode": "L3S4N5",
          "countryCode": 1
        },
        {
          "key": "address-402174",
          "postalAddressStreetAddress": {
            "unitNumber": "8",
            "streetNumber": "567",
            "streetName": "Brock",
            "streetType": 490,
            "streetDirection": 7
          },
          "cityTown": "Toronto",
          "provinceCode": 50,
          "postalCode": "M2J5C4",
          "countryCode": 1
        }
      ]
    }
  },
  "customerData": {
    "customerList": {
      "customerPrimaryBorrower": {
        "dateBirth": "1976-11-12",
        "honorific": 1,
        "lastName": "Daniels",
        "firstName": "Bob",
        "sin": "999999998",
        "customerTelephoneNumberList": [
          {
            "telephoneNumber": {
              "countryCode": "1",
              "areaCode": "905",
              "phoneNumber": "9100010"
            },
            "usage": 1,
            "preferred": true
          },
          {
            "telephoneNumber": {
              "countryCode": "1",
              "areaCode": "905",
              "phoneNumber": "9101457",
              "phoneExtension": "333"
            },
            "usage": 2,
            "preferred": false
          },
          {
            "telephoneNumber": {
              "countryCode": "1",
              "areaCode": "647",
              "phoneNumber": "9101547"
            },
            "usage": 3,
            "preferred": false
          }
        ],
        "employmentList": {
          "employment": [
            {
              "addressCanada": {
                "postalAddressStreetAddress": {
                  "streetNumber": "456",
                  "streetName": "Yorkland",
                  "streetType": 380
                },
                "cityTown": "Toronto",
                "provinceCode": 50,
                "postalCode": "M9M9M9",
                "countryCode": 1
              },
              "earnedIncomeList": {
                "earnedIncome": [
                  {
                    "earnedIncomeType": 9,
                    "paymentFrequency": 1,
                    "earnedIncomeAmount": 90000
                  }
                ]
              },
              "contactTelephoneNumber": {
                "telephoneNumber": {
                  "countryCode": "1",
                  "areaCode": "403",
                  "phoneNumber": "3431234",
                  "phoneExtension": "12"
                },
                "usage": 10
              },
              "employmentType": 1,
              "employmentStatus": 10,
              "dateStart": "2021-11-01",
              "industryType": 8,
              "dateStartedInIndustry": "2011-06-13",
              "occupationType": 5,
              "jobTitle": "Manager",
              "companyName": "American Express"
            },
            {
              "earnedIncomeList": {
                "earnedIncome": [
                  {
                    "earnedIncomeType": 10,
                    "paymentFrequency": 1,
                    "earnedIncomeAmount": 50000
                  }
                ]
              },
              "contactTelephoneNumber": {
                "telephoneNumber": {
                  "countryCode": "1",
                  "areaCode": "528",
                  "phoneNumber": "2965859"
                },
                "usage": 10
              },
              "employmentType": 1,
              "employmentStatus": 10,
              "dateStart": "2015-05-01",
              "dateEnd": "2021-11-01",
              "industryType": 8,
              "dateStartedInIndustry": "2011-06-13",
              "occupationType": 1,
              "jobTitle": "Manager",
              "companyName": "Prev Company"
            }
          ]
        },
        "unearnedIncomeList": {
          "unearnedIncome": [
            {
              "unearnedIncomeAmount": 800,
              "unearnedIncomeType": 99,
              "paymentFrequency": 12,
              "unearnedIncomeDetails": "From FD"
            }
          ]
        },
        "key": "borrower-112109",
        "correspondenceLanguage": 1,
        "emailAddress1": "bob@test.com",
        "maritalStatus": 2,
        "numberOfDependents": 1,
        "sex": 1,
        "residentType": 10
      },
      "customerBorrower": [
        {
          "dateBirth": "1975-04-14",
          "honorific": 4,
          "lastName": "Daniels",
          "firstName": "Marsha",
          "customerTelephoneNumberList": [
            {
              "telephoneNumber": {
                "countryCode": "1",
                "areaCode": "905",
                "phoneNumber": "9100010"
              },
              "usage": 1,
              "preferred": false
            },
            {
              "telephoneNumber": {
                "countryCode": "1",
                "areaCode": "647",
                "phoneNumber": "7891546"
              },
              "usage": 3,
              "preferred": true
            }
          ],
          "employmentList": {
            "employment": [
              {
                "addressCanada": {
                  "postalAddressStreetAddress": {
                    "unitNumber": "659",
                    "streetNumber": "585",
                    "streetName": "3663 South",
                    "streetType": 320,
                    "streetDirection": 2
                  },
                  "cityTown": "Toronto",
                  "provinceCode": 50,
                  "postalCode": "M9M9M9",
                  "countryCode": 1
                },
                "earnedIncomeList": {
                  "earnedIncome": [
                    "[Object]"
                  ]
                },
                "contactTelephoneNumber": {
                  "telephoneNumber": {
                    "countryCode": "1",
                    "areaCode": "403",
                    "phoneNumber": "5298259",
                    "phoneExtension": "859"
                  },
                  "usage": 10
                },
                "employmentType": 1,
                "employmentStatus": 10,
                "dateStart": "2017-02-01",
                "industryType": 8,
                "dateStartedInIndustry": "2007-07-13",
                "occupationType": 1,
                "jobTitle": "Marketing Manager",
                "companyName": "Chase Bank"
              }
            ]
          },
          "unearnedIncomeList": {
            "unearnedIncome": [
              {
                "unearnedIncomeAmount": 800,
                "unearnedIncomeType": 3,
                "paymentFrequency": 12,
                "unearnedIncomeDetails": "From FD"
              }
            ]
          },
          "customerRelationShip": {
            "relationShipToOwnerType": 1
          },
          "key": "borrower-112110",
          "correspondenceLanguage": 1,
          "emailAddress1": "marsha@test.com",
          "maritalStatus": 2,
          "numberOfDependents": 0,
          "sex": 2,
          "residentType": 10
        }
      ]
    },
    "customerAddressList": [
      {
        "customerCurrentAddressTimeAt": [
          {
            "refkeyCustomer": "borrower-112109",
            "fromDate": "2021-02-01"
          }
        ],
        "customerLiabilityRealEstate": [
          {
            "customerReference": {
              "refkeyCustomer": "borrower-112109"
            },
            "refkeyLiability": "property-48853-1"
          }
        ],
        "addressOccupancyPartialOwnerOccupied": {
          "rentalDetails": {
            "annualGrossRentalIncome": 15000,
            "hydro": 1500,
            "rentalOffset": 65,
            "rentalCalcType": 2
          },
          "refkeyAsset": "property-48853"
        },
        "currentPropertyIntendedActionType": 1,
        "annualHeatingAmount": 1500,
        "annualTaxAmount": 2560,
        "includeInTDS": false,
        "customerReference": [
          {
            "refkeyCustomer": "borrower-112109"
          }
        ],
        "type": "CustomerAddressPrimaryResidence",
        "refkeyAddress": "address-402175"
      },
      {
        "addressOccupancyNone": {},
        "includeInTDS": false,
        "customerReference": [
          {
            "refkeyCustomer": "borrower-112109"
          }
        ],
        "type": "CustomerAddressCorrespondence",
        "refkeyAddress": "address-402176"
      },
      {
        "customerCurrentAddressTimeAt": [
          {
            "refkeyCustomer": "borrower-112110",
            "fromDate": "2017-01-01"
          }
        ],
        "addressOccupancyPartialOwnerOccupied": {
          "rentalDetails": {
            "annualGrossRentalIncome": 15000,
            "hydro": 1500,
            "rentalOffset": 65,
            "rentalCalcType": 2
          },
          "refkeyAsset": "property-48853"
        },
        "currentPropertyIntendedActionType": 1,
        "annualHeatingAmount": 1500,
        "annualTaxAmount": 2560,
        "includeInTDS": false,
        "customerReference": [
          {
            "refkeyCustomer": "borrower-112110"
          }
        ],
        "type": "CustomerAddressPrimaryResidence",
        "refkeyAddress": "address-402175"
      }
    ],
    "customerAssetList": [
      {
        "customerReference": {
          "refkeyCustomer": "borrower-112109"
        },
        "refkeyAsset": "asset-40788"
      },
      {
        "customerReference": {
          "refkeyCustomer": "borrower-112110"
        },
        "refkeyAsset": "asset-40783"
      }
    ],
    "customerLiabilityList": [
      {
        "customerReference": {
          "refkeyCustomer": "borrower-112109"
        },
        "refkeyLiability": "liability-42362"
      }
    ]
  },
  "mortgageApplication": {
    "subjectProperty": {
      "subjectPropertyOccupancyOwnerOccupied": {},
      "legalAddress": {
        "details": "6 Toronto",
        "pin": "777"
      },
      "condo": {
        "annualCondoFees": 4200
      },
      "propertyTax": {
        "annualTaxAmount": 3500,
        "taxesPaidBy": 1
      },
      "subjectPropertyAddress": {
        "refkeyAddress": "address-402174"
      },
      "occupancyPurpose": 4,
      "mlsListed": true,
      "mlsNumber": "4891256",
      "heatingType": 2,
      "parkingType": 1,
      "yearBuilt": 2001,
      "waterSupplyType": 10,
      "waterWasteType": 10,
      "propertySize": 2222,
      "propertySizeUnits": 1,
      "lotSize": 2222,
      "lotSizeUnits": 1,
      "environmentalHazardIndicator": false,
      "annualHeatingAmount": 1800,
      "numberOfUnitsTotal": 1,
      "propertyType": 99,
      "propertyDescriptionType": 6,
      "propertyUsageType": 90,
      "propertyZoningType": 1,
      "newPropertyIndicator": false
    },
    "loan": {
      "customProduct": {
        "productCode": "LL5000",
        "productName": "5 Year Fixed EST",
        "rateType": 0,
        "rateCompoundFrequency": 12,
        "productTerm": 6,
        "postedRate": 3.33
      },
      "loanAmount": 0,
      "chargeType": 1,
      "termMonths": 6,
      "amortizationMonths": 188,
      "netRate": 3.33,
      "qualifyingRate": 3.75,
      "maturityDate": "2023-05-08",
      "firstPaymentDate": "2022-12-08",
      "interestAdjustmentDate": "2022-11-08",
      "requestedPayment": 2733.58,
      "paymentAmount": 2733.58,
      "paymentFrequency": 12,
      "repaymentType": 2,
      "lenderCode": 9011
    },
    "downpaymentList": {
      "downpayment": [
        {
          "downpaymentSourceType": 9,
          "description": "Property - 311 Aurora Drive, Calgary, Alberta",
          "amount": 200000
        }
      ]
    },
    "firm": {
      "externalPoSFirm": [
        {
          "posSystemId": 50,
          "firmId": "XDTB"
        }
      ],
      "firmId": "XDTB"
    },
    "submittingAgent": {
      "externalPoSUser": [
        {
          "posSystemId": 50,
          "firmId": "XDTB",
          "userId": "112233"
        }
      ],
      "firstName": "Aleesha",
      "lastName": "Ashraf",
      "emailAddress": "aleesha.ashraf@newton.ca",
      "mortgageLicenseNumber": "9988889"
    },
    "originatingAgent": {
      "externalPoSUser": [
        {
          "posSystemId": 50,
          "firmId": "XDTB",
          "userId": "11246"
        }
      ],
      "addressCanada": {
        "postalAddressStreetAddress": {
          "unitNumber": "550",
          "streetNumber": "2608",
          "streetName": "Granville",
          "streetType": 490,
          "streetDirection": 6
        },
        "cityTown": "Vancouver",
        "provinceCode": 10,
        "postalCode": "V6H3V3",
        "countryCode": 1
      },
      "firstName": "Karen",
      "lastName": "Poulin",
      "emailAddress": "karen.poulin@mscanada.com",
      "mortgageLicenseNumber": "B7403"
    },
    "broker": {
      "externalPoSUser": [
        {
          "posSystemId": 50,
          "firmId": "XDTB",
          "userId": "112233"
        }
      ],
      "firstName": "Aleesha",
      "lastName": "Ashraf",
      "emailAddress": "aleesha.ashraf@newton.ca",
      "mortgageLicenseNumber": "9988889"
    },
    "posApplicationNumber": "VXDTB-70014",
    "isPreapproval": false,
    "fundingDate": "2022-11-08",
    "loanPurposeType": 5,
    "purchasePriceEstimatedValue": 600000,
    "typeOfBuyer": 20,
    "additionalPurpose": "Switch and Transfer"
  }
}

Name	In	Type	Description
	body	Request SubmitApplication

Request

SubmitApplication

Responses

Sample Response

200 Response

{
  "validationRule": [
    {
      "ruleId": "417",
      "ruleDescription": "Loan Amount must be greater than 0"
    },
    {
      "ruleId": "443",
      "ruleDescription": "The sum of downpayments and amount requested are less than purchase price plus improvements"
    }
  ],
  "status": "ok"
}

Status	Schema
200 OK	ValidateApplication > Response

Response

ValidateApplication

Name	Type	Description
error	array(ServiceError) nullable	List of errors
status required	ResponseStatus Enums
validationRule	array(ValidationRule) nullable ValidateApplication > Response	[Validation rule]

ValidationRule

ValidateApplication > Response

Name	Type	Description
ruleId	string nullable
ruleDescription	string nullable

Submit Document

POST https://api-link.newton.ca/v1/application/documents

The Submit Document operation electronically submits a document to the lender for a given application. Additionally the document being submitted may be associated with a condition type.

Parameters

Sample Request

{
  "mortgageApplication": {
    "document": {
      "documentContents": {
        "value": "DQoxIDAgb2JqDQo8PA0KL1R5cGUgL0NhdGFs...ZWYNCjE1NTENCiUlRU9GDQo="
      },
      "conditionType": 50,
      "fileName": "Proof of Employment.pdf"
    }
  },
  "unitId": "XDTB",
  "posSystem": "100"
}

Name	In	Type	Description
	body	Request SubmitDocument

Request

SubmitDocument

Name	Type	Description
unitId required	string min-length(1)	Unit Id (see Authorization)
posSystem required	string min-length(1) max-length(10)	PoS System (see Authorization)
mortgageApplication	MortgageApplication SubmitDocument > Request	Mortgage application

MortgageApplication

SubmitDocument > Request

Name	Type	Description
applicationNumber	string nullable	Application number
brokerRefNumber	string nullable	Broker reference number
document	Document SubmitDocument > Request

Document

SubmitDocument > Request

Name	Type	Description
documentContents	DocumentContents SubmitDocument > Request
conditionType	DocumentConditionType Enums	Document condition type
fileName	string nullable	Document filename

DocumentContents

SubmitDocument > Request

Name	Type	Description
value	string nullable	Base64 encoded document contents

Responses

Sample Response

200 Response

{
  "document": {
    "documentId": "0edddd596528ce4ebd51f27b9ef101bc"
  },
  "status": "ok"
}

Status	Schema
200 OK	SubmitDocument > Response

Response

SubmitDocument

Name	Type	Description
error	array(ServiceError) nullable	List of errors
status required	ResponseStatus Enums
document	Document SubmitDocument > Response

Document

SubmitDocument > Response

Name	Type	Description
documentId	string nullable	Document Id

Pending Applications

GET https://api-link.newton.ca/v1/pending-applications

Gets a list of all pending applications

Parameters

Name	In	Type	Description
unitid	query	string	(see Authorization)
possystemid	query	string	(see Authorization)

Responses

Sample Response

200 Response

{
  "mortgageApplication": [
    {
      "applicationNumber": "M101338314",
      "decision": [
        {
          "lenderCode": 9011,
          "decisionDateTime": "2022-05-27T11:16:52",
          "seqNo": 3
        },
        {
          "lenderCode": 9011,
          "decisionDateTime": "2022-05-27T11:16:52",
          "seqNo": 3
        }
      ]
    },
    {
      "applicationNumber": "M101338327",
      "decision": [
        {
          "lenderCode": 6012,
          "decisionDateTime": "2022-05-27T17:34:16",
          "seqNo": 1
        }
      ]
    }
  ],
  "status": "ok"
}

Status	Schema
200 OK	GetPendingApplication > Response

Response

GetPendingApplication

Name	Type	Description
error	array(ServiceError) nullable	List of errors
status required	ResponseStatus Enums
mortgageApplication	array(MortgageApplication) nullable GetPendingApplication > Response	List of mortgage applications

MortgageApplication

GetPendingApplication > Response

Name	Type	Description
applicationNumber	string nullable	Application number
decision	array(Decision) nullable GetPendingApplication > Response	List of decisions

Decision

GetPendingApplication > Response

Name	Type	Description
lenderCode	integer(int32) range(1000,9999)	Lender code
decisionDateTime	string(date-time) nullable	Decision timestamp
seqNo	integer(int32) range(1,999)	Decision sequence number

Application Decision

POST https://api-link.newton.ca/v1/application-decisions/search

After an application is submitted and receives a decision through a lender response, a call to search the application-decision is made. Once found through search, this operation is made to acknowledge the application decision.

Parameters

Sample Request

{
  "mortgageApplication": [
    {
      "applicationNumber": "M101338314",
      "decision": {
        "lenderCode": 9011,
        "decisionDateTime": "2022-05-27T11:16:52",
        "seqNo": 3
      }
    }
  ],
  "unitId": "XDTB",
  "posSystem": "100"
}

Name	In	Type	Description
	body	Request GetApplicationDecision

Request

GetApplicationDecision

Name	Type	Description
unitId required	string min-length(1)	Unit Id (see Authorization)
posSystem required	string min-length(1) max-length(10)	PoS System (see Authorization)
mortgageApplication	array(MortgageApplication) nullable GetApplicationDecision > Request	List of mortgage applications

MortgageApplication

GetApplicationDecision > Request

Name	Type	Description
applicationNumber	string max-length(12) nullable	Application number
decision	Decision GetApplicationDecision > Request	Application decision

Decision

GetApplicationDecision > Request

Name	Type	Description
lenderCode	integer(int32) range(1000,9999)	Lender code
decisionDateTime	string(date-time) nullable	Decision timestamp
seqNo	integer(int32) range(1,999)	Decision sequence number

Responses

Sample Response

200 Response

{
  "mortgageApplication": [
    {
      "applicationNumber": "M101338314",
      "decision": [
        {
          "lenderCode": 9011,
          "decisionDateTime": "2022-05-27T11:16:52",
          "condition": [
            {
              "name": "Income",
              "type": "Income",
              "status": "Required",
              "description": "Current paystub confirming income is required"
            },
            {
              "name": "Solicitor",
              "type": "Solicitor",
              "status": "Required",
              "description": "Solicitor Name and Address including telephone number required"
            }
          ],
          "document": [
            {
              "documentContents": "JVBERi0xLjcNCiW1tbW1DQ...xNTYwMDYNCiUlRU9G",
              "name": "Commitment Letter.pdf"
            }
          ],
          "applicationStatus": 40,
          "seqNo": 3
        }
      ]
    }
  ],
  "status": "ok"
}

Status	Schema
200 OK	GetApplicationDecision > Response

Response

GetApplicationDecision

Name	Type	Description
error	array(ServiceError) nullable	List of errors
status required	ResponseStatus Enums
mortgageApplication	array(MortgageApplication) nullable GetApplicationDecision > Response	List of mortgage applications

MortgageApplication

GetApplicationDecision > Response

Name	Type	Description
applicationNumber	string nullable	Application number
lenderRefNumber	string nullable	Lender reference number
decision	array(Decision) nullable GetApplicationDecision > Response	List of decisions

Decision

GetApplicationDecision > Response

Name	Type	Description
lenderCode	integer(int32) range(1000,9999)	Lender code
decisionDateTime	string(date-time) nullable	Decision timestamp
condition	array(Condition) nullable GetApplicationDecision > Response	List of conditions
document	array(Document) nullable GetApplicationDecision > Response	List of documents
note	string nullable	Lender note
applicationStatus	ApplicationStatus Enums	Application status
isAcknowledged	boolean nullable	Is decision acknowledged?
seqNo	integer(int32) range(1,999)	Decision sequence number

Condition

GetApplicationDecision > Response

Name	Type	Description
name	string nullable	Condition name
type	ConditionType Enums	Condition type
status	ConditionStatus Enums	Condition status
description	string nullable	Condition description

Document

GetApplicationDecision > Response

Name	Type	Description
documentContents	string nullable	Document contents
name	string nullable	Document name

Ack Application Decision

POST https://api-link.newton.ca/v1/application-decisions/acknowledgement

Parameters

Sample Request

{
  "mortgageApplication": [
    {
      "applicationNumber": "M101338314",
      "decision": {
        "lenderCode": 9011,
        "decisionDateTime": "2022-05-27T11:16:52",
        "seqNo": 3
      }
    }
  ],
  "unitId": "XDTB",
  "posSystem": "100"
}

Name	In	Type	Description
	body	Request AckApplicationDecision

Request

AckApplicationDecision

Name	Type	Description
unitId required	string min-length(1)	Unit Id (see Authorization)
posSystem required	string min-length(1) max-length(10)	PoS System (see Authorization)
mortgageApplication	array(MortgageApplication) nullable AckApplicationDecision > Request	List of mortgage applications

MortgageApplication

AckApplicationDecision > Request

Name	Type	Description
applicationNumber	string max-length(12) nullable	Application number
decision required	Decision AckApplicationDecision > Request	Application decision - approved, declined, cancelled, etc.

Decision

AckApplicationDecision > Request

Name	Type	Description
lenderCode required	integer(int32) range(1000,9999)	Lender code
decisionDateTime	string(date-time) nullable	Decision timestamp
seqNo required	integer(int32) range(1,999)	Decision sequence number

Responses

Sample Response

200 Response

{
  "status": "ok"
}

Status	Schema
200 OK	AckApplicationDecision > Response

Response

AckApplicationDecision

Name	Type	Description
error	array(ServiceError) nullable	List of errors
status required	ResponseStatus Enums

ServiceError

Name	Type	Description
code	string nullable
message	string nullable
type	ServiceErrorType Enums

Update Application Status

POST https://api-link.newton.ca/v1/application/updatestatus

Update deal status with PoS Application Status value

Parameters

Sample Request

{
  "applicationStatus": {
    "applicationNumber": "M101338314",
    "applicationStatus": 40,
    "posUserId": "otester"
  },
  "unitId": "XDTB",
  "posSystem": "100"
}

Name	In	Type	Description
	body	Request UpdateApplicationStatus

Request

UpdateApplicationStatus

Name	Type	Description
unitId required	string min-length(1)	Unit Id (see Authorization)
posSystem required	string min-length(1) max-length(10)	PoS System (see Authorization)
applicationStatus	ApplicationStatus UpdateApplicationStatus > Request	Application status

ApplicationStatus

UpdateApplicationStatus > Request

Name	Type	Description
applicationNumber	string nullable	PoS application number
applicationStatus	PoSApplicationStatus Enums	PoS application status
fundingDate	string(date) nullable	Funding Date
posUserId	string nullable	PoS user Id

Responses

Sample Response

200 Response

{
  "status": "ok"
}

Status	Schema
200 OK	UpdateApplicationStatus > Response

Response

UpdateApplicationStatus

Name	Type	Description
error	array(ServiceError) nullable	List of errors
status required	ResponseStatus Enums

Credit Bureau (Equifax)

POST https://api-link.newton.ca/v1/credit-bureau/equifax

Creates a credit bureau report (for Equifax)

Parameters

Sample Request

{
  "customer": {
    "address": {
      "streetNumber": "103",
      "streetName": "KING ST N",
      "streetType": 490,
      "streetDirection": 2,
      "cityTown": "HARRISTON",
      "provinceCode": 50,
      "postalCode": "N0G1Z0",
      "countryCode": 1
    },
    "dateBirth": "1980-01-03",
    "lastName": "LANE",
    "firstName": "GARY"
  },
  "credentials": {
    "memberNumber": "9999999999",
    "securityCode": "99",
    "customerCode": "X999"
  },
  "unitId": "XDTB",
  "posSystem": "100"
}

Name	In	Type	Description
	body	Request GetCreditBureauEquifax

Request

GetCreditBureauEquifax

Name	Type	Description
unitId required	string min-length(1)	Unit Id (see Authorization)
posSystem required	string min-length(1) max-length(10)	PoS System (see Authorization)
customer required	Customer GetCreditBureauEquifax > Request	Customer
credentials required	Credentials GetCreditBureauEquifax > Request	Equifax credentials
bureauLanguage	Language Enums	Language
clientReference	string max-length(12) nullable	Client reference
requestorName	string max-length(50) nullable	Requestor name

Customer

GetCreditBureauEquifax > Request

Name	Type	Description
address required	AddressCanada GetCreditBureauEquifax > Request	Address (Canada)
dateBirth	string(date) nullable	Date of birth
lastName required	string min-length(1) max-length(40)	Last name
firstName required	string min-length(1) max-length(30)	First name
middleName	string max-length(15) nullable	Middle name
suffix	string max-length(2) nullable	Suffix
sin	string max-length(9) nullable	Social insurance number

AddressCanada

GetCreditBureauEquifax > Request

Name	Type	Description
unitNumber	string max-length(10) nullable	Unit number
streetNumber	string max-length(10) nullable	Street number
streetName	string max-length(26) nullable	Street name
streetType	StreetTypeCode Enums	Street type code
streetDirection	StreetDirectionCode Enums	Street direction code
poBoxRRNumber	string max-length(40) nullable	PO box/RR number
cityTown required	string min-length(1) max-length(40)	City/town (municipality)
provinceCode	ProvinceStateCodeCanada Enums	Province code (Canada)
postalCode required	string min-length(1) max-length(10)	Postal code
countryCode required	CountryCode Enums	Country code

Credentials

GetCreditBureauEquifax > Request

Name	Type	Description
memberNumber required	string min-length(1) max-length(10)	Member number
securityCode required	string min-length(1) max-length(2)	Security code
customerCode required	string min-length(1) max-length(4)	Customer code

Responses

Sample Response

200 Response

{
  "report": {
    "rawData": {
      "reportDate": "2022-07-12T10:43:14",
      "format": "FFF",
      "creditScore": 695,
      "value": "FULL0027261387  9999999999033EIE  1030320000403202207152022LANE..."
    },
    "text": "USER REF. UTESTER           THIS FORM PRODUCED BY EQUIFAX C.I.S.       P   1...",
    "xmlData": "<?xml version=\"1.0\" encoding=\"UTF-8\"?><EfxTransmit><EfxReport requestNumber=\"1\" reportId=\"CNCONSUMERCREDITFILE\"><CNConsumerCreditReports>...</CNConsumerCreditReports></EfxReport></EfxTransmit>"
  },
  "status": "ok"
}

Status	Schema
200 OK	GetCreditBureauEquifax > Response

Response

GetCreditBureauEquifax

Name	Type	Description
error	array(ServiceError) nullable	List of errors
status required	ResponseStatus Enums
report	Report GetCreditBureauEquifax > Response	Credit report

Report

GetCreditBureauEquifax > Response

Name	Type	Description
rawData	RawData GetCreditBureauEquifax > Response	Raw data
text	string nullable	Text Report
xmlData	string nullable	XML data (with PDF)

RawData

GetCreditBureauEquifax > Response

Name	Type	Description
reportDate	string(date-time) nullable	Report date
format	string nullable	Report format
noHit	boolean nullable	No hit?
creditScore	integer(int32) nullable	Credit score
value	string nullable	Credit report text

Credit Bureau (TransUnion)

POST https://api-link.newton.ca/v1/credit-bureau/transunion

Creates a credit bureau report (for TransUnion)

Parameters

Sample Request

{
  "unitId": "string",
  "posSystem": "string",
  "customer": {
    "address": {
      "unitNumber": "string",
      "streetNumber": "string",
      "streetName": "string",
      "poBoxRRNumber": "string",
      "cityTown": "string",
      "postalCode": "string"
    },
    "dateBirth": "2019-08-24",
    "lastName": "string",
    "firstName": "string",
    "middleName": "string",
    "suffix": "st",
    "sin": "string"
  },
  "credentials": {
    "memberCode": "string",
    "password": "string"
  },
  "clientReference": "string",
  "requestorName": "string"
}

Name	In	Type	Description
	body	Request GetCreditBureauTransUnion

Request

GetCreditBureauTransUnion

Name	Type