> For the complete documentation index, see [llms.txt](https://docs.lenderlink.ph/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.lenderlink.ph/product-guides/api-integration-guides/full-response-consumer-api-integration-guide.md). # Full Response Consumer API Integration guide ### Authentication Obtain a token via the [Authentication](/product-guides/api-integration-guides/authentication.md) procedure. ### Request Borrower Data ### Introduction This endpoint facilitates the generation of a borrower's full data available by their phone number. {% hint style="warning" %} Note: To utilize this endpoint, an access token is required. The procedure for obtaining one is detailed in the preceding section. {% endhint %} **Borrower Data Request Flow** To obtain a Borrower data, follow the instructions below. * GET API URL ``` https://sandbox-app.lenderlink.ph/api/full/borrower ``` * Authorization Use the generated token as Bearer access token and include it into the request. | Token | `eyJ0eXAiOiJKasd10sJhbGciOiJSUzI1NiJ9.eyJhdWQiOiI5YTc4MzVm...` | | ----- | -------------------------------------------------------------- | * **Query Params**
ParameterTypeMandatoryDescription
requestIdStringYesUnique identification code generated by the client
firstNameStringYesFirst Name
lastNameStringYesLast Name
dateOfBirthDateYesDate of Birth - YYYY-MM-DD
cellphoneNumberStringYesBorrower's phone number, the format is 63XXXXXXXXXX.
emailStringNoBorrower's email address
idNumberStringNoBorrower's ID document number. ID, Driver license, etc
* **Handling the Response** Upon successful validation, the server will return one of two responses: 1\. No match: ```json { "requestId": "X123-AB45", "cellphoneNumber": "63XXXXXXXXXX", "matchFlag": "No hit", "data": [] } ``` 2\. Match - data for all loans found in partners databases (full response) is returned ```json { "requestId": "X123-AB45", "cellphoneNumber": "63XXXXXXXXXX", "matchFlag": "Hit", "data": [ { "recordID": "123456789", "kycSurname": "Doe", "kycFirstName": "John", "kycMiddleName": "Smith", "kycDateOfBirth": "1990-01-01", "kycIdNumber": "ABC123456", "kycIdType": 4, "kycMobileNumber": "63XXXXXXXXXX", "kycEmailAddress": "john.doe@example.com", "kycAddress": "123 Main St, Anytown, USA", "loanInfoLoanType": 1, "loanInfoApplicationDate": "2022-01-01", "loanInfoOpenDate": "2022-01-01", "loanInfoLoanTerm": 5, "loanInfoOpenBalance": 10000, "loanInfoOutstandingBalance": 8000, "loanInfoNextDueDate": "2024-05-01", "loanInfoLastPaymentAmount": 200, "loanInfoLastPaymentDate": "2024-04-01", "loanInfoStatusCode": "Active", "loanInfoInstallmentAmount": 500, "loanInfoOverdueAmount": 100, "loanInfoRepaymentFrequency": 1, "loanInfoRepaymentHistory": "00000", "loanInfoRepaymentFullHistory": [ { "dueDate": "2022-02-01", "paymentDate": "2022-02-01", "paymentAmount": 500.00 }, { "dueDate": "2022-03-01", "paymentDate": "2022-03-01", "paymentAmount": 500.00 }, { "dueDate": "2022-04-01", "paymentDate": "2022-04-01", "paymentAmount": 500.00 }, { "dueDate": "2022-05-01", "paymentDate": "2022-05-01", "paymentAmount": 500.00 }, { "dueDate": "2022-06-01", "paymentDate": "2022-06-01", "paymentAmount": 500.00 } ], "loanInfoCloseDate": "2023-12-28", "loanInfoLenderType": "fintech", "contributorId": "12d3ae45-678d-9ae1-2345-6e789e3xx000", "matchedKeys": [ "cellphoneNumber", "email", "firstName-lastName-dateOfBirth", "idNumber" ], "matchedKeyCount": 4 } ], "summary": { "numApp": 1, "numAcc": 1, "numReqSameDay": 3, "wasDpd30Ever": 1, "wasDpd90Ever": 0, "wasDpd30Last3Months": 0, "wasDpd90Last3Months": 0, "wasDpd30LastYear": 0, "wasDpd90LastYear": 0, "numActiveLoan": 1, "numClosedLoans": 2, "numCollectionLoans": 0, "numDelayedLoans": 0, "numIncompleteLoans": 0, "numNotDisbLoans": 0, "numRejectedLoans": 2, "numWrittenoffLoans": 0, "minOpenBalance": 500, "maxOpenBalance": 3000, "sumOpenBalance": 4500, "avgOpenBalance": 1500, "minOutstanding": 3360, "maxOutstanding": 3360, "sumOutstanding": 3360, "avgOutstanding": 3360, "minLastPayment": 0, "maxLastPayment": 1000, "sumLastPayment": 1674, "avgLastPayment": 837, "minInstallment": 0, "maxInstallment": 3360, "sumInstallment": 4360, "avgInstallment": 1453.33, "minOverdue": 0, "maxOverdue": 0, "sumOverdue": 0, "avgOverdue": 0, "minLoanTerm": 0, "maxLoanTerm": 1, "avgLoanTerm": 1, "avgOpenBalancePerLoan": 1500, "avgOutstandingPerLoan": 1120, "ratioDisbAppl": 0.6, "ratioOutstandingOpenbalance": 0.75, "ratioOverdueInstallment": 0, "avgUtilizationRate": 2.24, "maxUtilizationRate": 1.12, "paymentToOutstandingRatio": 0.5, "avgPaymentToInstallmentRatio": 0.58, "highOutstandingFlag": 0, "veryHighOutstandingFlag": 0, "overdueFlag": 0, "highOverdueFlag": 0, "openRange": 2500, "balanceVolatilityProxy": 1.67, "outstandingRange": 0, "outstandingVolatilityProxy": 0, "installmentRange": 3360, "installmentVolatilityProxy": 2.31, "outstandingToOpenTrendProxy": 0, "overdueTrendProxy": 0, "loanTermTrendProxy": 0, "avgApplDays": 8, "daysSinceLastApplication": 1, "daysSinceLastReject": 1, "numRecordsLast10Days": 4, "numRecordsLast30Days": 4, "numRecordsLast60Days": 5, "numRecordsLast90Days": 5, "numRecordsLast180Days": 5, "maxRecWeek": 2, "minDaysApp": 1, "maxDaysApp": 32, "isFrequentApplicant": 1, "isMediumFreqApplicant": 0, "isInfrequentApplicant": 0, "applicationFrequencyTrend": 0.13, "numDistContr": 3, "shareBiggestContr": 0.4, "numDistIdNum": 1, "numDistIdType": 1, "numDistPhones": 1, "numDistEmail": 1, "numDistNames": 2, "closedRate": 0.4, "activeRate": 0.2, "delayedRate": 0, "collectionRate": 0, "writtenoffRate": 0, "rejectRate": 0.4, "notDisbRate": 0, "incompleteRate": 0, "noHistPerf": 0, "hasBadHistory": 0, "hasCleanClosedHistory": 1, "badToGoodRatio": 0, "age": 28, "numDistLoanType": 2, "numPaydayLoans": 2, "numPosLoans": 0, "numCashLoans": 0, "numRevLoans": 1, "numCCLoans": 0, "numAutoLoans": 0, "numMotoLoans": 0, "numHomeLoans": 0 }, "scores": { "CS": { "score": 540, "band": 9 } } } ```