---
updatedAt: 2026-05-27T22:29:52.000Z
agentTools:
  projectIndex: https://docs.spinwheel.io/llms.txt
---

# Clone a Refinancing Application

Should a user want to submit another application for refinancing offers, instead of having to rebuild a new application from scratch, we've exposed this endpoint to clone an existing application. Simply send a POST request with the applicationId for the application you'd like to clone in the body to the above route. The response will contain a fresh copy of that application with a new applicationId and a reference to the application it was cloned from.

# OpenAPI definition

```json
{
  "openapi": "3.0.0",
  "paths": {
    "/v1/financings/applications/clone": {
      "post": {
        "operationId": "Clone Application",
        "summary": "Clone a Refinancing Application",
        "description": "Should a user want to submit another application for refinancing offers, instead of having to rebuild a new application from scratch, we've exposed this endpoint to clone an existing application. Simply send a POST request with the applicationId for the application you'd like to clone in the body to the above route. The response will contain a fresh copy of that application with a new applicationId and a reference to the application it was cloned from.",
        "parameters": [],
        "requestBody": {
          "required": true,
          "content": {
            "application/json": {
              "schema": {
                "$ref": "#/components/schemas/CloneApplication"
              }
            }
          }
        },
        "responses": {
          "200": {
            "description": "Successful response",
            "content": {
              "application/json": {
                "schema": {
                  "$ref": "#/components/schemas/ApplicationsResponse"
                },
                "examples": {
                  "Student loan example": {
                    "description": "Student loan example",
                    "value": {
                      "status": {
                        "code": 200,
                        "desc": "success"
                      },
                      "data": {
                        "extUserId": "ba006051-d966-43a1-bdbd-6a6f6de6626f",
                        "status": "DRAFT",
                        "servicersApplied": [],
                        "servicersPreQualified": [],
                        "servicersRequested": [],
                        "financingDetails": {
                          "loanAmount": 5000,
                          "type": "REFINANCE",
                          "from": {
                            "liabilities": [
                              {
                                "liabilityType": "STUDENT_LOAN",
                                "liabilityAccounts": [
                                  {
                                    "liabilityId": "c9186d99-b5c4-4356-8c5a-3c6b50b5b8e2",
                                    "amount": 13000,
                                    "monthlyPayment": 278.66
                                  }
                                ]
                              }
                            ]
                          },
                          "to": {
                            "liabilityType": "STUDENT_LOAN"
                          },
                          "goal": "MAXIMIZE_SAVINGS"
                        },
                        "userProfile": {
                          "personalInformation": {
                            "citizenshipStatus": "CS1001",
                            "ssn": "123456789",
                            "ssnLastFourDigits": "6789",
                            "firstName": "John",
                            "lastName": "Smith",
                            "dateOfBirth": "1988-07-23T00:00:00.000Z",
                            "email": "user@example.com",
                            "phones": [
                              {
                                "type": "HOME",
                                "phoneNumber": "1234567890"
                              }
                            ],
                            "addresses": [
                              {
                                "addressLine1": "123 Main St",
                                "addressLine2": "Unit: 234",
                                "city": "Austin",
                                "state": "TX",
                                "zip": "78732",
                                "currentAddress": true,
                                "startDate": "2021-07-23T00:00:00.000Z",
                                "endDate": "2021-07-23T00:00:00.000Z"
                              }
                            ]
                          },
                          "education": {
                            "highestDegree": "ED1002",
                            "educationHistory": [
                              {
                                "startDate": "2021-07-23T00:00:00.000Z",
                                "endDate": "2021-07-23T00:00:00.000Z",
                                "degree": "ED1002",
                                "major": "EM1010",
                                "schoolId": "10145900"
                              }
                            ]
                          },
                          "employment": {
                            "employmentHistory": [
                              {
                                "employerName": "string",
                                "position": "EP1001",
                                "startDate": "2021-07-23T00:00:00.000Z",
                                "endDate": "2021-07-23T00:00:00.000Z",
                                "annualIncome": 10,
                                "type": "ET1002",
                                "isCurrent": true,
                                "industry": "ID1010"
                              }
                            ]
                          },
                          "financials": {
                            "assets": {
                              "list": [
                                {
                                  "type": "PROPERTY",
                                  "value": 1000
                                }
                              ]
                            },
                            "expenses": {
                              "list": [
                                {
                                  "type": "STUDENT_LOAN",
                                  "monthlyExpense": 100
                                }
                              ]
                            }
                          }
                        },
                        "userId": "8933b8ab-9893-4b85-83e3-69417a91e8c1",
                        "partnerId": "c027fab7-d900-495f-b573-9905b300ea6b",
                        "createdOn": 1645245893901,
                        "updatedOn": 1645245893901,
                        "appliedOn": 1645245893901,
                        "applicationId": "89e533e1-ed03-43e7-8d23-080ca758dfde"
                      }
                    }
                  },
                  "Auto loan example": {
                    "description": "Auto loan example",
                    "value": {
                      "status": {
                        "code": 200,
                        "desc": "success"
                      },
                      "data": {
                        "extUserId": "ba006051-d966-43a1-bdbd-6a6f6de6626f",
                        "status": "DRAFT",
                        "servicersApplied": [],
                        "servicersPreQualified": [],
                        "servicersRequested": [],
                        "financingDetails": {
                          "loanAmount": 5000,
                          "type": "REFINANCE",
                          "from": {
                            "liabilities": [
                              {
                                "liabilityType": "AUTO_LOAN",
                                "liabilityAccounts": [
                                  {
                                    "id": "c9186d99-b5c4-4356-8c5a-3c6b50b5b8e2",
                                    "amount": 10000,
                                    "monthlyPayment": 371.04
                                  }
                                ],
                                "collateral": {
                                  "vehicle": {
                                    "year": 2018,
                                    "make": "Honda",
                                    "model": "Odyssey",
                                    "trim": "LX",
                                    "licensePlate": "6TRJ244",
                                    "licensePlateState": "CA",
                                    "vin": "1FBSS3BL1CDA96461",
                                    "estimatedMileage": 62394,
                                    "isNewVehicle": false,
                                    "monthlyPayment": 456
                                  }
                                }
                              }
                            ]
                          },
                          "to": {
                            "liabilityType": "AUTO_LOAN"
                          },
                          "goal": "MAXIMIZE_SAVINGS"
                        },
                        "userProfile": {
                          "personalInformation": {
                            "citizenshipStatus": "CS1001",
                            "ssn": "123456789",
                            "ssnLastFourDigits": "6789",
                            "firstName": "John",
                            "lastName": "Smith",
                            "dateOfBirth": "1988-07-23T00:00:00.000Z",
                            "email": "user@example.com",
                            "phones": [
                              {
                                "type": "HOME",
                                "phoneNumber": "1234567890"
                              }
                            ],
                            "addresses": [
                              {
                                "addressLine1": "123 Main St",
                                "addressLine2": "Unit: 234",
                                "city": "Austin",
                                "state": "TX",
                                "zip": "78732",
                                "currentAddress": true,
                                "startDate": "2021-07-23T00:00:00.000Z",
                                "endDate": "2021-07-23T00:00:00.000Z"
                              }
                            ]
                          },
                          "education": {
                            "highestDegree": "ED1002",
                            "educationHistory": [
                              {
                                "startDate": "2021-07-23T00:00:00.000Z",
                                "endDate": "2021-07-23T00:00:00.000Z",
                                "degree": "ED1002",
                                "major": "EM1010",
                                "schoolId": "10145900"
                              }
                            ]
                          },
                          "employment": {
                            "employmentHistory": [
                              {
                                "employerName": "string",
                                "position": "EP1001",
                                "startDate": "2021-07-23T00:00:00.000Z",
                                "endDate": "2021-07-23T00:00:00.000Z",
                                "annualIncome": 10,
                                "type": "ET1002",
                                "isCurrent": true,
                                "industry": "ID1010"
                              }
                            ]
                          },
                          "financials": {
                            "assets": {
                              "list": [
                                {
                                  "type": "PROPERTY",
                                  "value": 1000
                                }
                              ]
                            },
                            "expenses": {
                              "list": [
                                {
                                  "type": "STUDENT_LOAN",
                                  "monthlyExpense": 100
                                }
                              ]
                            }
                          }
                        },
                        "userId": "8933b8ab-9893-4b85-83e3-69417a91e8c1",
                        "partnerId": "c027fab7-d900-495f-b573-9905b300ea6b",
                        "createdOn": 1645245893901,
                        "updatedOn": 1645245893901,
                        "appliedOn": 1645245893901,
                        "applicationId": "89e533e1-ed03-43e7-8d23-080ca758dfde"
                      }
                    }
                  },
                  "Personal loan example": {
                    "description": "Personal loan example",
                    "value": {
                      "status": {
                        "code": 200,
                        "desc": "success"
                      },
                      "data": {
                        "extUserId": "ba006051-d966-43a1-bdbd-6a6f6de6626f",
                        "status": "DRAFT",
                        "servicersApplied": [],
                        "servicersPreQualified": [],
                        "servicersRequested": [],
                        "financingDetails": {
                          "loanAmount": 5000,
                          "type": "REFINANCE",
                          "from": {
                            "liabilities": [
                              {
                                "liabilityType": "CREDIT_CARD",
                                "liabilityAccounts": [
                                  {
                                    "id": "c9186d99-b5c4-4356-8c5a-3c6b50b5b8e2",
                                    "amount": 10000,
                                    "monthlyPayment": 371.04
                                  }
                                ]
                              }
                            ]
                          },
                          "to": {
                            "liabilityType": "PERSONAL_LOAN"
                          },
                          "loanPurpose": "LP1001"
                        },
                        "userProfile": {
                          "personalInformation": {
                            "citizenshipStatus": "CS1001",
                            "ssn": "123456789",
                            "ssnLastFourDigits": "6789",
                            "firstName": "John",
                            "lastName": "Smith",
                            "dateOfBirth": "1988-07-23T00:00:00.000Z",
                            "email": "user@example.com",
                            "phones": [
                              {
                                "type": "HOME",
                                "phoneNumber": "1234567890"
                              }
                            ],
                            "addresses": [
                              {
                                "addressLine1": "123 Main St",
                                "addressLine2": "Unit: 234",
                                "city": "Austin",
                                "state": "TX",
                                "zip": "78732",
                                "currentAddress": true,
                                "startDate": "2021-07-23T00:00:00.000Z",
                                "endDate": "2021-07-23T00:00:00.000Z"
                              }
                            ]
                          },
                          "education": {
                            "highestDegree": "ED1002",
                            "educationHistory": [
                              {
                                "startDate": "2021-07-23T00:00:00.000Z",
                                "endDate": "2021-07-23T00:00:00.000Z",
                                "degree": "ED1002",
                                "major": "EM1010",
                                "schoolId": "10145900"
                              }
                            ]
                          },
                          "employment": {
                            "employmentHistory": [
                              {
                                "employerName": "string",
                                "position": "EP1001",
                                "startDate": "2021-07-23T00:00:00.000Z",
                                "endDate": "2021-07-23T00:00:00.000Z",
                                "annualIncome": 10,
                                "type": "ET1002",
                                "isCurrent": true,
                                "industry": "ID1010"
                              }
                            ]
                          },
                          "financials": {
                            "assets": {
                              "list": [
                                {
                                  "type": "PROPERTY",
                                  "value": 1000
                                }
                              ]
                            },
                            "expenses": {
                              "list": [
                                {
                                  "type": "STUDENT_LOAN",
                                  "monthlyExpense": 100
                                }
                              ]
                            }
                          }
                        },
                        "userId": "8933b8ab-9893-4b85-83e3-69417a91e8c1",
                        "partnerId": "c027fab7-d900-495f-b573-9905b300ea6b",
                        "createdOn": 1645245893901,
                        "updatedOn": 1645245893901,
                        "appliedOn": 1645245893901,
                        "applicationId": "89e533e1-ed03-43e7-8d23-080ca758dfde"
                      }
                    }
                  }
                }
              }
            }
          },
          "400": {
            "description": "Bad request response",
            "content": {
              "application/json": {
                "schema": {
                  "$ref": "#/components/schemas/BadRequestResponse"
                }
              }
            }
          },
          "401": {
            "description": "Unauthorized response",
            "content": {
              "application/json": {
                "schema": {
                  "$ref": "#/components/schemas/UnauthorizedResponse"
                }
              }
            }
          },
          "404": {
            "description": "Not found response",
            "content": {
              "application/json": {
                "schema": {
                  "$ref": "#/components/schemas/NotFoundResponse"
                }
              }
            }
          },
          "500": {
            "description": "Internal server error response",
            "content": {
              "application/json": {
                "schema": {
                  "$ref": "#/components/schemas/InternalServerErrorResponse"
                }
              }
            }
          }
        },
        "tags": [
          "Refinancing"
        ],
        "security": [
          {
            "bearerAuth": []
          }
        ]
      }
    }
  },
  "info": {
    "title": "Finance",
    "description": "Welcome to Spinwheel's documentation! ",
    "version": "1.0",
    "contact": {}
  },
  "tags": [
    {
      "name": "Refinancing"
    }
  ],
  "servers": [
    {
      "url": "https://sandbox-api.spinwheel.io"
    },
    {
      "url": "https://api.spinwheel.io"
    },
    {
      "url": "https://secure-api.spinwheel.io"
    },
    {
      "url": "https://secure-sandbox-api.spinwheel.io"
    }
  ],
  "components": {
    "securitySchemes": {
      "bearerAuth": {
        "type": "apiKey",
        "in": "header",
        "name": "Authorization",
        "description": "Once you've created a Spinwheel account and received credentials, you can access all of Spinwheel's APIs using a server-to-server call (in order to protect your credentials). When calling an API simply include your secretKey as a bearer token in an auth header like so: \n\n `Authorization: Bearer 8ae8d6fa-df8d-4c5d-9f9b-c4e4c10968b0`"
      }
    },
    "schemas": {
      "BadRequest": {
        "type": "object",
        "properties": {
          "code": {
            "type": "number",
            "example": 400
          },
          "desc": {
            "type": "string",
            "example": "Bad request"
          }
        },
        "required": [
          "code",
          "desc"
        ]
      },
      "BadRequestResponse": {
        "type": "object",
        "properties": {
          "status": {
            "$ref": "#/components/schemas/BadRequest"
          }
        },
        "required": [
          "status"
        ]
      },
      "Unauthorized": {
        "type": "object",
        "properties": {
          "code": {
            "type": "number",
            "example": 401
          },
          "desc": {
            "type": "string",
            "example": "Invalid private key"
          }
        },
        "required": [
          "code",
          "desc"
        ]
      },
      "UnauthorizedResponse": {
        "type": "object",
        "properties": {
          "status": {
            "$ref": "#/components/schemas/Unauthorized"
          }
        },
        "required": [
          "status"
        ]
      },
      "NotFound": {
        "type": "object",
        "properties": {
          "code": {
            "type": "number",
            "example": 404
          },
          "desc": {
            "type": "string",
            "example": "Resource not found"
          }
        },
        "required": [
          "code",
          "desc"
        ]
      },
      "NotFoundResponse": {
        "type": "object",
        "properties": {
          "status": {
            "$ref": "#/components/schemas/NotFound"
          }
        },
        "required": [
          "status"
        ]
      },
      "InternalServerError": {
        "type": "object",
        "properties": {
          "code": {
            "type": "number",
            "example": 500
          },
          "desc": {
            "type": "string",
            "example": "Internal server error"
          }
        },
        "required": [
          "code",
          "desc"
        ]
      },
      "InternalServerErrorResponse": {
        "type": "object",
        "properties": {
          "status": {
            "$ref": "#/components/schemas/InternalServerError"
          }
        },
        "required": [
          "status"
        ]
      },
      "Message": {
        "type": "object",
        "properties": {
          "desc": {
            "type": "string",
            "example": "Example status description"
          },
          "type": {
            "enum": [
              "ERROR",
              "WARN",
              "INFO"
            ],
            "type": "string",
            "example": "ERROR"
          }
        },
        "required": [
          "desc"
        ]
      },
      "ResponseStatus": {
        "type": "object",
        "properties": {
          "code": {
            "type": "number",
            "example": 200
          },
          "desc": {
            "type": "string",
            "example": "success"
          },
          "messages": {
            "example": [
              {
                "desc": "Example description"
              }
            ],
            "type": "array",
            "items": {
              "$ref": "#/components/schemas/Message"
            }
          }
        }
      },
      "Vehicle": {
        "type": "object",
        "properties": {
          "make": {
            "type": "string",
            "example": "BMW"
          },
          "model": {
            "type": "string",
            "example": "M3"
          },
          "trim": {
            "type": "string",
            "example": "Sport"
          },
          "licensePlate": {
            "type": "string",
            "example": "ABC1234"
          },
          "licensePlateState": {
            "type": "string",
            "minLength": 2,
            "maxLength": 2,
            "example": "CA"
          },
          "vin": {
            "type": "string",
            "minLength": 11,
            "maxLength": 17,
            "example": "4S3BK6354S6355265"
          },
          "estimatedMileage": {
            "type": "number",
            "example": 76000
          },
          "monthlyPayment": {
            "type": "number",
            "example": 300
          },
          "year": {
            "type": "number",
            "minimum": 1900,
            "maximum": 2027
          },
          "isNewVehicle": {
            "type": "boolean"
          }
        },
        "required": [
          "estimatedMileage",
          "monthlyPayment",
          "isNewVehicle"
        ]
      },
      "Collateral": {
        "type": "object",
        "properties": {
          "vehicle": {
            "$ref": "#/components/schemas/Vehicle"
          }
        }
      },
      "LiabilityAccount": {
        "type": "object",
        "properties": {
          "liabilityId": {
            "type": "string",
            "example": "3fef7131-71ae-4204-a8bd-3fc3ad6b4b82"
          },
          "amount": {
            "type": "number",
            "example": 13000
          },
          "monthlyPayment": {
            "type": "number",
            "example": 300
          }
        }
      },
      "LiabilityResponse": {
        "type": "object",
        "properties": {
          "collateral": {
            "description": "The collateral for your loan. Only required for AUTO_LOAN applications.",
            "allOf": [
              {
                "$ref": "#/components/schemas/Collateral"
              }
            ]
          },
          "liabilityType": {
            "type": "string",
            "enum": [
              "STUDENT_LOAN",
              "AUTO_LOAN",
              "CREDIT_CARD"
            ],
            "description": "The liability type you want to refinance",
            "example": "AUTO_LOAN"
          },
          "liabilityAccounts": {
            "type": "array",
            "items": {
              "$ref": "#/components/schemas/LiabilityAccount"
            }
          }
        },
        "required": [
          "liabilityType"
        ]
      },
      "FinanceSourceResponse": {
        "type": "object",
        "properties": {
          "liabilities": {
            "type": "array",
            "items": {
              "$ref": "#/components/schemas/LiabilityResponse"
            }
          }
        },
        "required": [
          "liabilities"
        ]
      },
      "ServicerParams": {
        "type": "object",
        "properties": {
          "jornayaToken": {
            "type": "string"
          }
        }
      },
      "FinanceDestination": {
        "type": "object",
        "properties": {
          "liabilityType": {
            "type": "string",
            "enum": [
              "STUDENT_LOAN",
              "AUTO_LOAN",
              "PERSONAL_LOAN"
            ],
            "description": "The liability type for financing offers",
            "example": "AUTO_LOAN"
          },
          "servicerParams": {
            "$ref": "#/components/schemas/ServicerParams"
          }
        },
        "required": [
          "liabilityType"
        ]
      },
      "FinancingDetailsResponse": {
        "type": "object",
        "properties": {
          "type": {
            "enum": [
              "REFINANCE",
              "ORIGINATION"
            ],
            "type": "string",
            "example": "REFINANCE"
          },
          "loanAmount": {
            "type": "number",
            "minimum": 1,
            "example": 13000
          },
          "loanPurpose": {
            "type": "string",
            "example": "Major Purchase",
            "description": "The value should be one of the value of code attribute of a list of constants that are of type LOAN_PURPOSE. The list can be obtained by calling get constants api endpoint."
          },
          "goal": {
            "enum": [
              "MAXIMIZE_SAVINGS",
              "REDUCE_MONTHLY_PAYMENTS"
            ],
            "type": "string",
            "example": "MAXIMIZE_SAVINGS"
          },
          "from": {
            "$ref": "#/components/schemas/FinanceSourceResponse"
          },
          "to": {
            "$ref": "#/components/schemas/FinanceDestination"
          }
        },
        "required": [
          "type",
          "loanAmount",
          "from",
          "to"
        ]
      },
      "EmploymentHistoryResponse": {
        "type": "object",
        "properties": {
          "employerName": {
            "type": "string",
            "minLength": 1,
            "maxLength": 100,
            "example": "Spinwheel"
          },
          "position": {
            "type": "string",
            "example": "EP1001",
            "description": "The value should be one of the value of code attribute of a list of constants that are of type EMPLOYMENT_POSITION. The list can be obtained by calling get constants api endpoint."
          },
          "annualIncome": {
            "type": "number",
            "minimum": 1,
            "example": 100000
          },
          "type": {
            "type": "string",
            "example": "ET1002",
            "description": "The value should be one of the value of code attribute of a list of constants that are of type EMPLOYMENT_TYPE. The list can be obtained by calling get constants api endpoint."
          },
          "industry": {
            "type": "string",
            "example": "ID1010",
            "description": "The value should be one of the value of code attribute of a list of constants that are of type INDUSTRY. The list can be obtained by calling get constants api endpoint."
          },
          "isCurrent": {
            "type": "boolean",
            "description": "At least one of the employment should be current."
          },
          "startDate": {
            "format": "date-time",
            "type": "string"
          },
          "endDate": {
            "format": "date-time",
            "type": "string"
          }
        },
        "required": [
          "annualIncome"
        ]
      },
      "EmploymentResponse": {
        "type": "object",
        "properties": {
          "employmentHistory": {
            "type": "array",
            "items": {
              "$ref": "#/components/schemas/EmploymentHistoryResponse"
            }
          }
        },
        "required": [
          "employmentHistory"
        ]
      },
      "PhoneResponse": {
        "type": "object",
        "properties": {
          "type": {
            "type": "string",
            "enum": [
              "HOME",
              "WORK",
              "OTHER"
            ],
            "example": "HOME"
          },
          "phoneNumber": {
            "type": "string",
            "example": "6012345678904"
          }
        }
      },
      "ApplicationAddress": {
        "type": "object",
        "properties": {
          "addressLine1": {
            "type": "string",
            "maxLength": 50,
            "example": "123 Main Street"
          },
          "addressLine2": {
            "type": "string",
            "maxLength": 50,
            "example": "Unit 208"
          },
          "city": {
            "type": "string",
            "maxLength": 50,
            "example": "San Francisco"
          },
          "state": {
            "type": "string",
            "enum": [
              "AL",
              "AK",
              "AZ",
              "AR",
              "CA",
              "CO",
              "CT",
              "DC",
              "DE",
              "FL",
              "GA",
              "HI",
              "ID",
              "IL",
              "IN",
              "IA",
              "KS",
              "KY",
              "LA",
              "ME",
              "MD",
              "MA",
              "MI",
              "MN",
              "MS",
              "MO",
              "MT",
              "Ne",
              "NE",
              "NV",
              "NH",
              "NJ",
              "NM",
              "NY",
              "NC",
              "ND",
              "OH",
              "OK",
              "OR",
              "PA",
              "RI",
              "SC",
              "SD",
              "TN",
              "TX",
              "UT",
              "VT",
              "VA",
              "WA",
              "WV",
              "WI",
              "WY"
            ],
            "example": "CA"
          },
          "zip": {
            "type": "string",
            "minLength": 5,
            "maxLength": 5,
            "example": "90211"
          },
          "zipExtension": {
            "type": "string",
            "minLength": 4,
            "maxLength": 4,
            "example": "1234"
          },
          "startDate": {
            "format": "date-time",
            "type": "string"
          },
          "endDate": {
            "format": "date-time",
            "type": "string"
          },
          "currentAddress": {
            "type": "boolean"
          }
        },
        "required": [
          "addressLine1",
          "city",
          "state",
          "zip",
          "startDate"
        ]
      },
      "PersonalInformationResonse": {
        "type": "object",
        "properties": {
          "firstName": {
            "type": "string",
            "minLength": 1,
            "maxLength": 50,
            "example": "Test"
          },
          "lastName": {
            "type": "string",
            "minLength": 1,
            "maxLength": 50,
            "example": "User"
          },
          "middleName": {
            "type": "string",
            "minLength": 1,
            "maxLength": 50,
            "example": "Middle"
          },
          "dateOfBirth": {
            "format": "date-time",
            "type": "string",
            "example": "1980-10-12T00:00:00.000Z"
          },
          "citizenshipStatus": {
            "type": "string",
            "example": "CS1001",
            "description": "The value should be one of the value of code attribute of a list of constants that are of type CITIZENSHIP_STATUS. The list can be obtained by calling get constants api endpoint."
          },
          "ssnLastFourDigits": {
            "type": "string",
            "example": "9999"
          },
          "email": {
            "type": "string",
            "example": "user@spinwheel.io"
          },
          "ssn": {
            "type": "string",
            "example": "999999999"
          },
          "phones": {
            "type": "array",
            "items": {
              "$ref": "#/components/schemas/PhoneResponse"
            }
          },
          "addresses": {
            "type": "array",
            "items": {
              "$ref": "#/components/schemas/ApplicationAddress"
            }
          }
        },
        "required": [
          "firstName",
          "lastName",
          "dateOfBirth",
          "citizenshipStatus",
          "email",
          "addresses"
        ]
      },
      "EducationHistory": {
        "type": "object",
        "properties": {
          "degree": {
            "type": "string",
            "example": "ED1002",
            "description": "The value should be one of the value of code attribute of a list of constants that are of type EDUCATION_DEGREE. The list can be obtained by calling get constants api endpoint."
          },
          "major": {
            "type": "string",
            "example": "EM1010",
            "description": "The value should be one of the value of code attribute of a list of constants that are of type EDUCATION_MAJOR. The list can be obtained by calling get constants api endpoint."
          },
          "schoolId": {
            "type": "string",
            "minLength": 8,
            "maxLength": 8,
            "example": "10145900"
          },
          "startDate": {
            "format": "date-time",
            "type": "string",
            "example": "2020-10-12T00:00:00.000Z"
          },
          "endDate": {
            "format": "date-time",
            "type": "string",
            "example": "2020-10-12T00:00:00.000Z"
          }
        },
        "required": [
          "degree",
          "startDate",
          "endDate"
        ]
      },
      "Education": {
        "type": "object",
        "properties": {
          "highestDegree": {
            "type": "string",
            "example": "ED1002",
            "description": "The value should be one of the value of code attribute of a list of constants that are of type EDUCATION_MAJOR. The list can be obtained by calling get constants api endpoint."
          },
          "educationHistory": {
            "type": "array",
            "items": {
              "$ref": "#/components/schemas/EducationHistory"
            }
          }
        }
      },
      "AssetsValue": {
        "type": "object",
        "properties": {
          "value": {
            "type": "number",
            "minimum": 1,
            "example": 12000
          },
          "type": {
            "type": "string",
            "enum": [
              "PROPERTY",
              "AUTO"
            ]
          }
        },
        "required": [
          "value"
        ]
      },
      "Assets": {
        "type": "object",
        "properties": {
          "list": {
            "type": "array",
            "items": {
              "$ref": "#/components/schemas/AssetsValue"
            }
          }
        },
        "required": [
          "list"
        ]
      },
      "ExpensesValue": {
        "type": "object",
        "properties": {
          "monthlyExpense": {
            "type": "number",
            "minimum": 1,
            "example": 300
          },
          "type": {
            "type": "string",
            "enum": [
              "STUDENT_LOAN",
              "MORTGAGE",
              "RENT",
              "AUTO",
              "CREDIT_CARD_PAYMENTS"
            ]
          }
        },
        "required": [
          "monthlyExpense",
          "type"
        ]
      },
      "Expenses": {
        "type": "object",
        "properties": {
          "list": {
            "type": "array",
            "items": {
              "$ref": "#/components/schemas/ExpensesValue"
            }
          }
        },
        "required": [
          "list"
        ]
      },
      "Financials": {
        "type": "object",
        "properties": {
          "creditScore": {
            "type": "number",
            "minimum": 300,
            "maximum": 850,
            "example": 650
          },
          "assets": {
            "$ref": "#/components/schemas/Assets"
          },
          "expenses": {
            "$ref": "#/components/schemas/Expenses"
          }
        },
        "required": [
          "expenses"
        ]
      },
      "ApplicationUserProfileResponse": {
        "type": "object",
        "properties": {
          "employment": {
            "$ref": "#/components/schemas/EmploymentResponse"
          },
          "personalInformation": {
            "$ref": "#/components/schemas/PersonalInformationResonse"
          },
          "education": {
            "$ref": "#/components/schemas/Education"
          },
          "financials": {
            "$ref": "#/components/schemas/Financials"
          }
        },
        "required": [
          "employment"
        ]
      },
      "ApplicationsResponseData": {
        "type": "object",
        "properties": {
          "applicationId": {
            "type": "string",
            "example": "3fef7131-71ae-4204-a8bd-3fc3ad6b4b82"
          },
          "userId": {
            "type": "string",
            "minLength": 1,
            "maxLength": 50,
            "description": "Spinwheel userId to identify a user (one of userId or extUserId is required).",
            "example": "3fef7131-71ae-4204-a8bd-3fc3ad6b4b82"
          },
          "partnerId": {
            "type": "string",
            "example": "3fef7131-71ae-4204-a8bd-3fc3ad6b4b82"
          },
          "servicersRequested": {
            "description": "The servicers requested for refinancing offers",
            "example": [
              "f34f92d3-e351-4db8-8a96-11a8fdebd4f4"
            ],
            "type": "array",
            "items": {
              "type": "string"
            }
          },
          "servicersPreQualified": {
            "example": [
              "a28a8f24-f55a-4f51-afa4-cc5e37cc846c",
              "f4f3aa0b-e145-4df5-9bc3-43a8ece0c263"
            ],
            "type": "array",
            "items": {
              "type": "string"
            }
          },
          "servicersApplied": {
            "example": [
              "a28a8f24-f55a-4f51-afa4-cc5e37cc846c",
              "f4f3aa0b-e145-4df5-9bc3-43a8ece0c263"
            ],
            "type": "array",
            "items": {
              "type": "string"
            }
          },
          "status": {
            "enum": [
              "DRAFT",
              "APPLIED",
              "NO_QUALIFYING_SERVICERS"
            ],
            "type": "string",
            "example": "DRAFT"
          },
          "appliedOn": {
            "type": "number",
            "example": 1645251218925
          },
          "createdOn": {
            "type": "number",
            "example": 1645251218925
          },
          "campaignId": {
            "type": "string",
            "description": "This ID can be used to keep track of any campaigns you are running for example a discount or promotion",
            "example": "summer-campaign-123"
          },
          "financingDetails": {
            "description": "This is the financing details dto",
            "allOf": [
              {
                "$ref": "#/components/schemas/FinancingDetailsResponse"
              }
            ]
          },
          "updatedOn": {
            "type": "number",
            "example": 1645251218925
          },
          "userProfile": {
            "$ref": "#/components/schemas/ApplicationUserProfileResponse"
          }
        },
        "required": [
          "applicationId",
          "userId",
          "partnerId",
          "servicersRequested",
          "servicersPreQualified",
          "servicersApplied",
          "status",
          "createdOn",
          "financingDetails",
          "userProfile"
        ]
      },
      "ApplicationsResponse": {
        "type": "object",
        "properties": {
          "status": {
            "$ref": "#/components/schemas/ResponseStatus"
          },
          "data": {
            "$ref": "#/components/schemas/ApplicationsResponseData"
          }
        },
        "required": [
          "status",
          "data"
        ]
      },
      "CloneApplication": {
        "type": "object",
        "properties": {
          "applicationId": {
            "type": "string",
            "example": "f5d7042d-b48f-4605-8552-bc7b4aebd4b5"
          }
        },
        "required": [
          "applicationId"
        ]
      }
    }
  }
}
```