{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/bond/main/json-schema/bond-credit-application-schema.json",
  "title": "credit-application",
  "x-generated": "2026-10-14",
  "x-method": "derived",
  "x-generator": "derive-json-schema.py",
  "x-source": "openapi/bond-credit-openapi.yml#/components/schemas/credit-application",
  "type": "object",
  "properties": {
    "application_id": {
      "type": "string",
      "minLength": 1
    },
    "program_id": {
      "type": "string",
      "minLength": 1
    },
    "date_created": {
      "type": "string"
    },
    "date_updated": {
      "type": "string"
    },
    "application_status": {
      "type": "string",
      "enum": [
        "created",
        "submitted",
        "resubmit_required",
        "approved",
        "denied"
      ],
      "readOnly": true
    },
    "applicant": {
      "type": "object",
      "required": [
        "currency"
      ],
      "properties": {
        "customer_id": {
          "type": "string",
          "minLength": 1
        },
        "employment_status": {
          "type": "string",
          "minLength": 6,
          "enum": [
            "employed",
            "self_employed",
            "unemployed",
            "retired",
            "student",
            "other"
          ]
        },
        "address_id": {
          "type": "string",
          "minLength": 1
        },
        "total_annual_income": {
          "type": "integer",
          "description": "Total annual income in cents"
        },
        "monthly_housing_payment": {
          "type": "integer",
          "description": "Monthly housing payment in cents"
        },
        "terms_accepted": {
          "type": "boolean"
        },
        "currency": {
          "type": "string",
          "enum": [
            "USD"
          ]
        },
        "first_name": {
          "type": "string"
        },
        "middle_name": {
          "type": "string"
        },
        "last_name": {
          "type": "string"
        },
        "date_of_birth": {
          "type": "string"
        },
        "street": {
          "type": "string"
        },
        "street2": {
          "type": "string"
        },
        "city": {
          "type": "string"
        },
        "state": {
          "type": "string"
        },
        "country": {
          "type": "string"
        },
        "zip_code": {
          "type": "string"
        },
        "ssn": {
          "type": "string",
          "description": "Tokenized value"
        },
        "email": {
          "type": "string",
          "description": "Must be a valid email address"
        }
      }
    },
    "accounts": {
      "type": "object",
      "properties": {
        "security_deposit_account_id": {
          "type": [
            "string",
            "null"
          ],
          "default": null
        }
      }
    }
  },
  "required": [
    "program_id",
    "date_created",
    "date_updated",
    "application_status",
    "applicant"
  ]
}