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AI Underwriter

Operation catalog

Every operation the AI Underwriter API serves, with the scope each one needs.

The catalog below lists every operation the API currently serves, grouped by the part of the platform it belongs to. Each entry shows the method, the path, and the scope a key needs to call it.

Catalog, not reference

This is the full surface: 151 operations, for checking whether something exists and which scope reaches it. The API reference documents the core integration path in full, with parameters, schemas and samples generated from the OpenAPI spec.

Two authentication boundaries

Lender routes under /api/v1 use a member-bound organization API key. Borrower routes under /api/borrower/v1 use short-lived borrower bearer tokens and expose only borrower-safe application data.

Scope families

FamilyScopesCovers
applicationsapplications:read · applications:write · applications:assign · applications:archiveApplication records, controls, assignment, access, lifecycle, archive, and restore.
borrowersborrowers:read · borrowers:writeBorrower profiles and guarantors.
documentsdocuments:read · documents:writeKita Capture documents, evidence, transcripts, review, reprocessing, and exports.
underwritingunderwriting:read · underwriting:run · underwriting:writeAssessments, financials, adjustments, scorecards, projections, policy evaluations, and review actions.
memosmemos:read · memos:writeCredit memo generation, sections, revisions, conditions, status, and exports.
decisionsdecisions:read · decisions:writeLender decisions and reason codes.
messagesmessages:read · messages:writeBorrower conversations and message drafts.
portfolioportfolio:readOrganization or assigned-file portfolio statistics.
operationsoperations:readDurable operation status and result polling.
assistantsassistants:useLender assistant requests over authorized application context.
organizationorganization:read · organization:writeOrganization settings.
membersmembers:read · members:writeMembers, invitations, roles, and permission settings.
productsproducts:read · products:writeLoan products, policy rules, and memo-section configuration.
integrationsintegrations:read · integrations:write · integrations:runConnections, configuration, and provider execution.
API keysapi_keys:manageCreate, list, rotate, and revoke API keys.
webhookswebhooks:manageWebhook endpoints, event types, delivery history, and retries.

Operations

Applications & borrowers

Create, assign, archive, restore, and inspect lender-side borrower files.

GET/api/v1/applications/{id}/accessapplications:read
PATCH/api/v1/applications/{id}/accessapplications:assign
GET/api/v1/applications/{id}/activityapplications:read
PATCH/api/v1/applications/{id}/assigneeapplications:assign
GET/api/v1/applications/{id}/borrowerborrowers:read
PATCH/api/v1/applications/{id}/borrowerborrowers:write
GET/api/v1/applications/{id}/controlsapplications:read
PATCH/api/v1/applications/{id}/controlsapplications:write
PATCH/api/v1/applications/{id}/guarantors/{guarantorId}borrowers:write
DELETE/api/v1/applications/{id}/guarantors/{guarantorId}borrowers:write
GET/api/v1/applications/{id}/guarantorsborrowers:read
POST/api/v1/applications/{id}/guarantorsborrowers:write
GET/api/v1/applications/{id}/lifecycleapplications:read
PATCH/api/v1/applications/{id}/lifecycleapplications:write
GET/api/v1/applications/{id}applications:read
PATCH/api/v1/applications/{id}applications:write
DELETE/api/v1/applications/{id}applications:archive
POST/api/v1/applications/archived/{id}/restoreapplications:archive
GET/api/v1/applications/archivedapplications:archive
POST/api/v1/applicationsapplications:write
GET/api/v1/applicationsapplications:read
GET/api/v1/borrowers/{id}borrowers:read
PATCH/api/v1/borrowers/{id}borrowers:write
GET/api/v1/borrowersborrowers:read
POST/api/v1/intakeapplications:write

Kita Capture

Upload, classify, review, reprocess, extract, transcribe, and export borrower documents.

GET/api/v1/applications/{id}/checklistdocuments:read
GET/api/v1/applications/{id}/documents/{docId}/extractiondocuments:read
PATCH/api/v1/applications/{id}/documents/{docId}/extractiondocuments:write
PATCH/api/v1/applications/{id}/documents/{docId}/metadatadocuments:write
POST/api/v1/applications/{id}/documents/{docId}/reprocessdocuments:write
POST/api/v1/applications/{id}/documents/{docId}/reviewdocuments:write
GET/api/v1/applications/{id}/documents/{docId}documents:read
DELETE/api/v1/applications/{id}/documents/{docId}documents:write
GET/api/v1/applications/{id}/documents/{docId}/transcriptdocuments:read
POST/api/v1/applications/{id}/documentsdocuments:write
GET/api/v1/applications/{id}/documentsdocuments:read
GET/api/v1/applications/{id}/exportdocuments:read
GET/api/v1/applications/{id}/transcriptsdocuments:read

AI Underwriter

Assessments, financials, policy decisions, adjustments, scorecards, projections, providers, and review actions.

GET/api/v1/applications/{id}/assessmentunderwriting:read
POST/api/v1/applications/{id}/assessment/rununderwriting:run
GET/api/v1/applications/{id}/creditunderwriting:read
GET/api/v1/applications/{id}/decision-inputunderwriting:read
GET/api/v1/applications/{id}/decisions/causesdecisions:read
GET/api/v1/applications/{id}/decisionsdecisions:read
POST/api/v1/applications/{id}/decisionsdecisions:write
PATCH/api/v1/applications/{id}/discrepancies/{discrepancyId}underwriting:write
GET/api/v1/applications/{id}/discrepanciesunderwriting:read
GET/api/v1/applications/{id}/financialsunderwriting:read
GET/api/v1/applications/{id}/intake-answersunderwriting:read
PATCH/api/v1/applications/{id}/intake-answersunderwriting:write
PATCH/api/v1/applications/{id}/items/{itemId}underwriting:write
GET/api/v1/applications/{id}/itemsunderwriting:read
PATCH/api/v1/applications/{id}/normalization-adjustments/{adjustmentId}underwriting:write
DELETE/api/v1/applications/{id}/normalization-adjustments/{adjustmentId}underwriting:write
POST/api/v1/applications/{id}/normalization-adjustmentsunderwriting:write
POST/api/v1/applications/{id}/normalization-adjustments/proposeunderwriting:run
GET/api/v1/applications/{id}/policy-evaluationsunderwriting:read
GET/api/v1/applications/{id}/projectionsunderwriting:read
PUT/api/v1/applications/{id}/projectionsunderwriting:write
POST/api/v1/applications/{id}/projections/generateunderwriting:run
GET/api/v1/applications/{id}/providersunderwriting:read
POST/api/v1/applications/{id}/providers/runintegrations:run
GET/api/v1/applications/{id}/review-actionsunderwriting:read
POST/api/v1/applications/{id}/review-actionsunderwriting:write
GET/api/v1/applications/{id}/scorecard-inputsunderwriting:read
PATCH/api/v1/applications/{id}/scorecard-inputsunderwriting:write
GET/api/v1/applications/{id}/scorecardunderwriting:read
GET/api/v1/applications/{id}/web-researchunderwriting:read
POST/api/v1/applications/{id}/web-researchunderwriting:run

Credit memos

Generate, poll, revise, edit, condition, and export credit memos.

GET/api/v1/applications/{id}/memo/conditionsmemos:read
PATCH/api/v1/applications/{id}/memo/conditionsmemos:write
GET/api/v1/applications/{id}/memo/exportmemos:read
POST/api/v1/applications/{id}/memo/generatememos:write
GET/api/v1/applications/{id}/memo/revisionsmemos:read
POST/api/v1/applications/{id}/memomemos:write
GET/api/v1/applications/{id}/memomemos:read
PATCH/api/v1/applications/{id}/memo/sections/{sectionNumber}memos:write
GET/api/v1/applications/{id}/memo/sectionsmemos:read
GET/api/v1/applications/{id}/memo/statusmemos:read

AI Credit Officer

Borrower conversations, message drafts, lender assistant calls, and portfolio intelligence.

GET/api/v1/applications/{id}/conversationmessages:read
POST/api/v1/applications/{id}/conversationmessages:write
GET/api/v1/applications/{id}/message-draftmessages:read
POST/api/v1/applications/{id}/message-draftmessages:write
PATCH/api/v1/applications/{id}/message-draftmessages:write
DELETE/api/v1/applications/{id}/message-draftmessages:write
POST/api/v1/assistantassistants:use
GET/api/v1/portfolio/statsportfolio:read

Platform administration

Organization, members, products, policy, integrations, operations, API keys, audit events, and webhooks.

POST/api/v1/api-keys/{keyId}/rotateapi_keys:manage
DELETE/api/v1/api-keys/{keyId}api_keys:manage
GET/api/v1/api-keysapi_keys:manage
POST/api/v1/api-keysapi_keys:manage
GET/api/v1/audit-eventsorganization:read
POST/api/v1/integrations/{provider}/runintegrations:run
GET/api/v1/integrations/plaidintegrations:read
PUT/api/v1/integrations/plaidintegrations:write
DELETE/api/v1/integrations/plaidintegrations:write
GET/api/v1/integrationsintegrations:read
GET/api/v1/integrations/salesforceintegrations:read
PUT/api/v1/integrations/salesforceintegrations:write
DELETE/api/v1/integrations/salesforceintegrations:write
GET/api/v1/integrations/submittableintegrations:read
PUT/api/v1/integrations/submittableintegrations:write
DELETE/api/v1/integrations/submittableintegrations:write
PUT/api/v1/integrations/underwriting/{provider}integrations:write
DELETE/api/v1/integrations/underwriting/{provider}integrations:write
GET/api/v1/operations/{id}operations:read
GET/api/v1/operationsoperations:read
DELETE/api/v1/organization/invites/{inviteId}members:write
PATCH/api/v1/organization/members/{userId}members:write
DELETE/api/v1/organization/members/{userId}members:write
GET/api/v1/organization/membersmembers:read
POST/api/v1/organization/membersmembers:write
GET/api/v1/organization/permissionsmembers:read
PATCH/api/v1/organization/permissionsmembers:write
GET/api/v1/organizationorganization:read
PATCH/api/v1/organizationorganization:write
PATCH/api/v1/policy-rules/{ruleId}products:write
DELETE/api/v1/policy-rules/{ruleId}products:write
GET/api/v1/policy-rulesproducts:read
POST/api/v1/policy-rulesproducts:write
DELETE/api/v1/products/{productId}/memo-sections/{sectionKey}products:write
GET/api/v1/products/{productId}/memo-sectionsproducts:read
PUT/api/v1/products/{productId}/memo-sectionsproducts:write
PATCH/api/v1/products/{productId}/memo-sectionsproducts:write
GET/api/v1/products/{productId}products:read
PATCH/api/v1/products/{productId}products:write
DELETE/api/v1/products/{productId}products:write
GET/api/v1/productsproducts:read
POST/api/v1/productsproducts:write
POST/api/v1/webhook-deliveries/{id}/retrywebhooks:manage
GET/api/v1/webhook-deliverieswebhooks:manage
GET/api/v1/webhooks/{id}webhooks:manage
PATCH/api/v1/webhooks/{id}webhooks:manage
DELETE/api/v1/webhooks/{id}webhooks:manage
GET/api/v1/webhooks/event-typeswebhooks:manage
GET/api/v1/webhookswebhooks:manage
POST/api/v1/webhookswebhooks:manage

Borrower API

A separate borrower-safe surface authenticated with short-lived borrower access tokens.

POST/api/borrower/v1/applications/{id}/assistantborrower
PATCH/api/borrower/v1/applications/{id}/documents/{documentId}borrower
GET/api/borrower/v1/applications/{id}/documentsborrower
POST/api/borrower/v1/applications/{id}/documentsborrower
GET/api/borrower/v1/applications/{id}/messagesborrower
POST/api/borrower/v1/applications/{id}/messagesborrower
PATCH/api/borrower/v1/applications/{id}/profileborrower
POST/api/borrower/v1/applications/{id}/questions/{questionId}/answerborrower
GET/api/borrower/v1/applications/{id}borrower
GET/api/borrower/v1/applicationsborrower
POST/api/borrower/v1/auth/passwordpublic
POST/api/borrower/v1/auth/refreshpublic
GET/api/borrower/v1/auth/sessionborrower
DELETE/api/borrower/v1/auth/sessionborrower

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