# Fetch Banking Data

## HTTPS Request

<mark style="color:green;">`POST`</mark> `https://api.lenmo.app/api/v3/data_marketplace/data_aggregation/fetch_loan_request_data_aggs/`

This endpoint receives loan\_request\_id and returns the data\_aggregation associated with this loan\_request.

#### Headers

| Name                                          | Type   | Description                                                                 |
| --------------------------------------------- | ------ | --------------------------------------------------------------------------- |
| Accept                                        | String | The content type of the response.                                           |
| X-API-KEY<mark style="color:red;">\*</mark>   | String | The API key that gives the user the authentication to perform this request. |
| X-Timestamp<mark style="color:red;">\*</mark> | String | The timestamp of the request.                                               |
| X-HMAC<mark style="color:red;">\*</mark>      | String | The HMAC generated for the request.                                         |

#### Request Body

| Name                                                | Type | Description                                         |
| --------------------------------------------------- | ---- | --------------------------------------------------- |
| loan\_request\_id<mark style="color:red;">\*</mark> | Long | loan request id for the needed aggregation to fetch |

#### Sample Request

{% tabs %}
{% tab title="cURL" %}

```bash
curl -X POST "https://api.lenmo.app/api/v3/data_marketplace/data_aggregation/fetch_loan_request_data_aggs/" \
    -H "Accept: application/json" \
    -H "Content-Type: application/json" \
    -H "X-API-KEY: YOUR_API_KEY" \
    -H "X-Timestamp: REQUEST_TIMESTAMP" \
    -H "X-HMAC: REQUEST_HMAC" \
    -d "{\"loan_request_id\": 1}"
```

{% endtab %}

{% tab title="Python" %}
{% code overflow="wrap" %}

```python
import requests
import json

url = 'https://api.lenmo.app/api/v3/data_marketplace/data_aggregation/fetch_loan_request_data_aggs/'

headers = {
    'Accept': 'application/json',
    'Content-Type: application/json',
    'X-API-KEY': 'YOUR_API_KEY',
    'X-Timestamp': 'REQUEST_TIMESTAMP',
    'X-HMAC': 'REQUEST_HMAC'
}

body = {'loan_request_id': 1}

r = requests.post(url, json=body, headers=headers)

print(r.text)
```

{% endcode %}
{% endtab %}

{% tab title="Java" %}

```java
import java.io.OutputStream;
import java.io.InputStreamReader;
import java.io.BufferedReader;
import java.net.HttpURLConnection;
import java.net.URL;

public class Main {
    public static void main(String[] args) {
        try {
            String urlString = "https://api.lenmo.app/api/v3/data_marketplace/data_aggregation/fetch_loan_request_data_aggs/";
            URL url = new URL(urlString);
            HttpURLConnection connection = (HttpURLConnection) url.openConnection();
            connection.setRequestMethod("POST");
            connection.setRequestProperty("Accept", "application/json");
            connection.setRequestProperty("Content-Type", "application/json");
            connection.setRequestProperty("X-API-KEY", "YOUR_API_KEY");
            connection.setRequestProperty("X-Timestamp", "REQUEST_TIMESTAMP");
            connection.setRequestProperty("X-HMAC", "REQUEST_HMAC");
            connection.setDoOutput(true);

            String jsonInputString = "{\"loan_request_id\": 1}";
            try (OutputStream os = connection.getOutputStream()) {
                byte[] input = jsonInputString.getBytes("utf-8");
                os.write(input, 0, input.length);
            }

            BufferedReader in = new BufferedReader(new InputStreamReader(connection.getInputStream(), "utf-8"));
            String inputLine;
            StringBuilder response = new StringBuilder();
            while ((inputLine = in.readLine()) != null) {
                response.append(inputLine);
            }
            in.close();

            System.out.println(response.toString());
        } catch (Exception e) {
            e.printStackTrace();
        }
    }
}

```

{% endtab %}

{% tab title="Ruby" %}

```ruby
require 'net/http'
require 'json'
require 'uri'

url = URI("https://api.lenmo.app/api/v3/data_marketplace/data_aggregation/fetch_loan_request_data_aggs/")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Accept"] = "application/json"
request["Content-Type"] = "application/json"
request["X-API-KEY"] = "YOUR_API_KEY"
request["X-Timestamp"] = "REQUEST_TIMESTAMP"
request["X-HMAC"] = "REQUEST_HMAC"
request.body = { loan_request_id: 1 }.to_json

response = http.request(request)
puts response.body

```

{% endtab %}

{% tab title="Node.Js" %}

```javascript
const fetch = require('node-fetch');

const url = 'https://api.lenmo.app/api/v3/data_marketplace/data_aggregation/fetch_loan_request_data_aggs/';

const headers = {
    "Accept": "application/json",
    "Content-Type": "application/json",
    "X-API-KEY": "YOUR_API_KEY",
    "X-Timestamp": "REQUEST_TIMESTAMP",
    "X-HMAC": "REQUEST_HMAC",
};

const body = {
    loan_request_id: 1
};

fetch(url, {
    method: 'POST',
    headers: headers,
    body: JSON.stringify(body)
})
.then(response => response.text())
.then(data => console.log(data))
.catch(error => console.error('Error:', error));

```

{% endtab %}

{% tab title="PHP" %}

```php
<?php
$url = "https://api.lenmo.app/api/v3/data_marketplace/data_aggregation/fetch_loan_request_data_aggs/";

$headers = [
    "Accept: application/json",
    "Content-Type: application/json",
    "X-API-KEY: YOUR_API_KEY",
    "X-Timestamp: REQUEST_TIMESTAMP",
    "X-HMAC: REQUEST_HMAC"
];

$body = json_encode([
    "loan_request_id" => 1
]);

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
curl_setopt($ch, CURLOPT_POST, true);
curl_setopt($ch, CURLOPT_POSTFIELDS, $body);

$response = curl_exec($ch);
if (curl_errno($ch)) {
    echo 'Error:' . curl_error($ch);
} else {
    echo $response;
}

curl_close($ch);
?>

```

{% endtab %}
{% endtabs %}

#### Sample Response

{% tabs %}
{% tab title="200: OK Aggregation is found and successfully fetched" %}

```json
{
  "created": "2022-05-27T10:37:14.658672Z",
  "borrower_bank_name_at_loan_request": "SANDBOX TEST BANK",
  "borrower_bank_balance": "0.00",
  "data_aggregation": {
    "Status": {
      "Severity": "Info",
      "StatusCode": 0,
      "StatusDesc": "Success"
    },
    "DepAcctTrns": {
      "FIAcctId": {
        "AcctId": 6161846,
        "AcctType": "DDA",
        "ExtAcctType": "DDA"
      },
      "BankAcctTrnRec": [
        {
          "Memo": "BOB'S DISCOUNT F DES:PAYROLL ID **003624X INDN:Smith, Jane CO ID:9006",
          "TrnID": 25835773,
          "CurAmt": {
            "Amt": 250.17,
            "CurCode": "USD"
          },
          "TrnType": "Credit",
          "Category": "Earned Income",
          "PostedDt": "2022-05-27",
          "CreatedOnDt": "2022-05-27T11:27:28-07:00",
          "SubCategory": "Wages & Salary"
        },
        {
          "Memo": "BOB'S DISCOUNT F DES:PAYROLL ID **016227X INDN:Smith, Jane CO ID:9006",
          "TrnID": 25835774,
          "CurAmt": {
            "Amt": 359.94,
            "CurCode": "USD"
          },
          "TrnType": "Credit",
          "Category": "Earned Income",
          "PostedDt": "2023-12-12",
          "CreatedOnDt": "2024-06-07T11:27:28-07:00",
          "SubCategory": "Wages & Salary"
        }
      ],
      "SelectionCriterion": {
        "SelRangeDt": {
          "EndDt": "2022-05-27",
          "StartDt": "2021-05-27"
        }
      }
    }
  },
  "agg_90": {
    "avg_credit": 0,
    "avg_debit": 0,
    "credit_30": 0,
    "debit_30": 0,
    "credit_60": 0,
    "debit_60": 0,
    "credit_90": 0,
    "debit_90": 0,
    "total_credit": 0,
    "total_debit": 0,
    "misc_spending_last90": 0,
    "entertainment_spending_last90": 0,
    "lifestyle_spending_last90": 0,
    "education_spending_last90": 0,
    "bank_fees_spending_last90": 0,
    "donations_spending_last90": 0,
    "goods_and_merch_spending_last90": 0,
    "home_expense_spending_last90": 0,
    "services_spending_last90": 0,
    "utilities_spending_last90": 0,
    "credit_payment_spending_last90": 0,
    "transportation_spending_last_90": 0,
    "food_spending_last90": 0,
    "cash_advance_last90": 0,
    "misc_spending_percentage_from_total": 0,
    "entertainment_spending_percentage_from_total": 0,
    "lifestyle_spending_percentage_from_total": 0,
    "education_spending_percentage_from_total": 0,
    "bank_fees_spending_percentage_from_total": 0,
    "donations_spending_percentage_from_total": 0,
    "goods_and_merch_spending_percentage_from_total": 0,
    "home_expense_spending_percentage_from_total": 0,
    "services_spending_percentage_from_total": 0,
    "utilities_spending_percentage_from_total": 0,
    "credit_payment_spending_percentage_from_total": 0,
    "transportation_spending_percentage_from_total": 0,
    "food_spending_percentage_from_total": 0,
    "cash_advance_percentage_from_total": 0,
    "negative_balance_count": 0
  }
}
```

{% endtab %}

{% tab title="400: Bad Request A loan cannot be funded" %}

```javascript
{
    'message': 'Please provide a valid loan_request id'
}
```

{% endtab %}

{% tab title="403: Forbidden Permission Denied" %}

```javascript
{
    "detail": "Authentication credentials were not provided."
}
```

{% endtab %}

{% tab title="404: Not Found Aggregation is not found" %}

```javascript
{
    'message': 'wrong loan_request id or loan_request does not have any data aggs associated with it.'
}
```

{% endtab %}
{% endtabs %}

#### Response Parameters

<table><thead><tr><th width="356">Parameter</th><th width="86">Type</th><th>Description</th></tr></thead><tbody><tr><td>created</td><td>Date</td><td>UTC time of data aggregation saved in the database.</td></tr><tr><td>borrower_bank_name_at_loan_request</td><td>String</td><td>Name of the borrower bank from which aggregation is fetched</td></tr><tr><td>borrower_bank_balance</td><td>String</td><td>Borrower balance in the bank provided the aggregation</td></tr><tr><td>data_aggregation</td><td>JSON</td><td>JSON object containing the data aggregation from the borrower's bank. It contains aggregation data provided by fiserv. Please, refer to <code>DepAcctTrnInqRs</code>entry in fiserv client's response.</td></tr><tr><td>agg_90</td><td>JSON</td><td>A JSON object containing aggregated data from the borrower's bank transactions in the last 90 days <strong>from the date of the loan request creation</strong>.</td></tr><tr><td>avg_credit</td><td>Float</td><td>Average income in the last 90 days.</td></tr><tr><td>avg_debit</td><td>Float</td><td>Average spending in the last 90 days.</td></tr><tr><td>credit_30</td><td>Float</td><td>Total income in the last 30 days.</td></tr><tr><td>debit_30</td><td>Float</td><td>Total spending in the last 30 days.</td></tr><tr><td>credit_60</td><td>Float</td><td>Total income in the last 30-60 days.</td></tr><tr><td>debit_60</td><td>Float</td><td>Total spending in the last 30-60 days.</td></tr><tr><td>credit_90</td><td>Float</td><td>Total income in the last 60-90 days.</td></tr><tr><td>debit_90</td><td>Float</td><td>Total spending in the last 60-90 days.</td></tr><tr><td>total_credit</td><td>Float</td><td>Total income in last 90 days.</td></tr><tr><td>total_debit</td><td>Float</td><td>Total spending in last 90 days.</td></tr><tr><td>misc_spending_last90</td><td>Float</td><td>Total amount spent in the miscellaneous expenses category in the last 90 days.</td></tr><tr><td>entertainment_spending_last90</td><td>Float</td><td>Total amount spent in the entertainment category in the last 90 days.</td></tr><tr><td>lifestyle_spending_last90</td><td>Float</td><td>Total amount spent in the Health &#x26; Lifestyle category in the last 90 days.</td></tr><tr><td>education_spending_last90</td><td>Float</td><td>Total amount spent in the Education category in the last 90 days.</td></tr><tr><td>bank_fees_spending_last90</td><td>Float</td><td>Total amount spent in the Bank Fees &#x26; Charges category in the last 90 days.</td></tr><tr><td>donations_spending_last90</td><td>Float</td><td>Total amount spent in the Donations category in the last 90 days.</td></tr><tr><td>goods_and_merch_spending_last90</td><td>Float</td><td>Total amount spent in the Goods &#x26; Merchandise category in the last 90 days.</td></tr><tr><td>home_expense_spending_last90</td><td>Float</td><td>Total amount spent in the Home Expenses category in the last 90 days.</td></tr><tr><td>services_spending_last90</td><td>Float</td><td>Total amount spent in the Services category in the last 90 days.</td></tr><tr><td>utilities_spending_last90</td><td>Float</td><td>Total amount spent in the Utilities category in the last 90 days.</td></tr><tr><td>credit_payment_spending_last90</td><td>Float</td><td>Total Amount spent in the Transfers &#x26; Adjustments category in the last 90 days.</td></tr><tr><td>transportation_spending_last_90</td><td>Float</td><td>Total Amount spent in the Travel &#x26; Transportation category in the last 90 days.</td></tr><tr><td>food_spending_last90</td><td>Float</td><td>Total Amount spent in the Food &#x26; Dining category in the last 90 days.</td></tr><tr><td>cash_advance_last90</td><td>Float</td><td>Total Amount spent in the Cash Advance subcategory in the last 90 days.</td></tr><tr><td>misc_spending_percentage_from_total</td><td>Float</td><td>Percentage spent on Miscellaneous expenses category from the total.</td></tr><tr><td>entertainment_spending_percentage_from_total</td><td>Float</td><td>Percentage spent on Entertainment category from the total.</td></tr><tr><td>lifestyle_spending_percentage_from_total</td><td>Float</td><td>Percentage spent on Health &#x26; Lifestyle category from the total.</td></tr><tr><td>education_spending_percentage_from_total</td><td>Float</td><td>Percentage spent on Education category from the total.</td></tr><tr><td>bank_fees_spending_percentage_from_total</td><td>Float</td><td>Percentage spent on Bank Fees &#x26; Charges category from the total.</td></tr><tr><td>donations_spending_percentage_from_total</td><td>Float</td><td>Percentage spent on Donations category from the total.</td></tr><tr><td>goods_and_merch_spending_percentage_from_total</td><td>Float</td><td>Percentage spent on Goods &#x26; Merchandise category from the total.</td></tr><tr><td>home_expense_spending_percentage_from_total</td><td>Float</td><td>Percentage spent on Home Expenses category from the total.</td></tr><tr><td>services_spending_percentage_from_total</td><td>Float</td><td>Percentage spent on Services category from the total.</td></tr><tr><td>utilities_spending_percentage_from_total</td><td>Float</td><td>Percentage spent on Utilities category from the total.</td></tr><tr><td>credit_payment_spending_percentage_from_total</td><td>Float</td><td>Percentage spent on Transfers &#x26; Adjustments category from the total.</td></tr><tr><td>transportation_spending_percentage_from_total</td><td>Float</td><td>Percentage spent on Travel &#x26; Transportation category from the total.</td></tr><tr><td>food_spending_percentage_from_total</td><td>Float</td><td>Percentage spent on Food category from the total.</td></tr><tr><td>cash_advance_percentage_from_total</td><td>Float</td><td>Percentage spent on Cash Advance subcategory from the total.</td></tr><tr><td>negative_balance_count</td><td>Integer</td><td>The number of times the borrower's bank balance went negative</td></tr></tbody></table>