Fetch Banking Data

Fetch data aggregation associated with loan request.

HTTPS Request

POST 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*	String	The API key that gives the user the authentication to perform this request.
X-Timestamp*	String	The timestamp of the request.
X-HMAC*	String	The HMAC generated for the request.

Request Body

Name	Type	Description
loan_request_id*	Long	loan request id for the needed aggregation to fetch

Sample Request

cURL

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}"

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)

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();
        }
    }
}

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

Node.Js

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));

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);
?>

Sample Response

200: OK Aggregation is found and successfully fetched

{
  "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
  }
}

400: Bad Request A loan cannot be funded

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

403: Forbidden Permission Denied

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

404: Not Found Aggregation is not found

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

Response Parameters

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