This request creates a customer profile.
A customer is an individual or company that can be associated with a loan. Note the following when creating customer profiles:
Customers are represented by the Customers entity. The Customers entity holds a vast amount of information: multiple entities are nested within the Customers entity, such as PrimaryAddress, Phones, Employer, and more. These entities can be edited individually or in one request, but we've broken them into separate requests in this documentation to simplify things.
There are three types of customers within LoanPro:
Individual: profiles for individuals in a business-to-consumer scenarios
Company: profiles for those in generic business-to-business scenarios
Flooring: profiles for those in business-to-business scenarios who have flooring loan accounts
The system provides atransaction warning when it detects a duplicate customer. A customer profile will not be created if the provided social security number and date of birth pairing matches an existing customer. However, other duplicate warnings can be ignored by using the __ignoreWarnings field. Here's a list of all fields that are checked for duplicates:
ssn: Social Security Number or Social Insurance Number
email: Email Address
phones: Phone Number
PrimaryAddress: Primary Address
MailingAddress: Mailing Address
Many users like to create a customer and link a loan within one request. To see an example, look at the payload examples for our POST create loan request. Creating a loan and linking a customer in one request requires an existing customer or to create a new one beforehand. Here's why:
When creating a new loan and linking a customer all within the same request, the customer's ID is used in the payload and send the request through the Loans endpoint. Therefore, a valid customer ID is needed since a customer can't be created through the Loans endpoint.
For an example of how customer information works within the UI, take a look at our Customer Details article.
Database
For information regarding customer database tables, see the following articles:
Database – Customer Main Table (customer_entity)
Database – Customer Status Entity (customer_status_entity)
{
"status": "Active",
"customerType": "customer.type.individual",
"customerIdType": "customer.idType.ssn",
"firstName": "John",
"lastName": "Doe",
"birthDate": "1970-01-15",
"ssn": "000000000",
"gender": "customer.gender.male",
"generationCode": "customer.generationCode.none",
"accessUserName": "johndoeapiuser",
"email": "[email protected]",
"__ignoreWarnings": true,
"PaymentAccounts": {
"results": [
{
"active": 1,
"isPrimary": 0,
"isSecondary": 1,
"title": "Checking Account",
"type": "paymentAccount.type.checking",
"CheckingAccount": {
"accountType": "bankacct.type.checking",
"token": "QVFJREFIalVqRl..."
},
"CreditCard": {}
}
]
},
"Employer": {
"phone": "8642543322",
"payDate": "2020-01-30",
"Address": {
"address1": "9 Michigan Ave",
"city": "Chicago",
"state": "geo.state.IL",
"zipcode": "60602",
"country": "company.country.usa"
},
"hireDate": "2015-01-15",
"incomeFrequency": "customerEmployer.incomeFrequency.annually",
"payDateFrequency": "customerEmployer.payDateFrequency.biWeekly",
"income": 75000,
"companyName": "Chicago Dawgs Stands",
"title": "Owner"
},
"References": {
"results": [
{
"name": "Tony Doe",
"relation": "customerReference.relation.brother",
"Address": {
"country": "company.country.usa",
"address1": "2600 Sheridan Road",
"zipcode": "60201",
"city": "Evanston",
"state": "geo.state.IL"
},
"primaryPhone": "2024456655"
}
]
},
"Phones": {
"results": [
{
"phone": "5551234567",
"isPrimary": "1",
"isSecondary": "0",
"type": "customer.phoneType.cell",
"carrierVerified": 1,
"isLandLine": 0,
"__ignoreWarnings": true
}
]
},
"PrimaryAddress": {
"address1": "201 E Randolph St",
"city": "Chicago",
"state": "geo.state.IL",
"zipcode": "60602",
"country": "company.country.usa",
"geoLat": "41.882648",
"geoLon": "-87.623102",
"verify": true
},
"CreditScore": {
"equifaxScore": 711,
"transunionScore": 692,
"experianScore": 698
},
"MailAddress": {
"address1": "201 E Randolph St",
"city": "Chicago",
"state": "geo.state.IL",
"zipcode": "60602",
"country": "company.country.usa",
"geoLat": "41.882648",
"geoLon": "-87.623102",
"verify": true
}
}