Input Data
APPROVED
Calculated Interest: 6.99%
A
Score75/100
Feature Explanations
Annual Income ($75,000)+10
Delinquencies (0)+10
DTI Ratio (18%)+5
API Raw Response
{
"score": 75,
"probability": 0.9241418199787566,
"decision": "approved",
"riskGrade": "A",
"features": [
{
"feature": "Annual Income",
"value": "$75,000",
"contribution": 10,
"direction": "positive",
"explanation": "Strong repayment capacity"
},
{
"feature": "Delinquencies",
"value": "0",
"contribution": 10,
"direction": "positive",
"explanation": "Excellent payment history"
},
{
"feature": "DTI Ratio",
"value": "18%",
"contribution": 5,
"direction": "positive",
"explanation": "Low existing debt burden"
}
],
"interestRate": 6.99
}