AI UnderwriterAPI reference
Credit
The deterministic credit picture.
Get the credit picture
GET /applications/{id}/credit
Returns the deterministic credit picture: the spread, the normalization adjustments behind it, and the policy decision.
No LLM math is involved. The calculation engine is versioned code, and
spread carries the engine version that produced it, so a number can
always be traced back to the logic that computed it.
Routing defaults to human review. Auto-routing only happens when it is explicitly configured on the lender's loan product and every rule passes.
GET
/applications/{id}/creditcurl
curl -X GET "https://underwriter.kita.ai/api/v1/applications/{id}/credit" \
-H "Authorization: ApiKey $KITA_UW_API_KEY"Path parameters
| Field | Type | Description |
|---|---|---|
idrequired | string | Application UUID or human `app_id`, for example `APP-1042`. |
Response · 200
| Field | Type | Description |
|---|---|---|
data | object | |
data.spread | object | null | Adjusted EBITDA and net income, DSCR, global DSCR, margins, debt-to-worth, current ratio, reserves, LTV, sensitivity, metric provenance and engine version. |
data.creditPolicy | object | null | Parametric scorecard or pillar result, when the configured product uses that flow. |
data.adjustments | object[] | Normalization line items such as owner-comp add-backs and non-recurring items. |
data.decision | object | null | Policy engine routing recommendation, auto-routing flag, engine version and per-rule outcomes. Routing defaults to human review. |
Errors
| Field | Type | Description |
|---|---|---|
401 | error | Invalid API key. |
404 | error | Not found, or belongs to another organization. |