Eligibility Compass V1 API Reference

API Overview

Introduction

This document provides information on how to interact with the Nova Credit API to obtain Eligibility Compass reports.

The best way to get the report using Nova Credit's API is to have your applicants use NovaConnect, an easy-to-use and secure JavaScript module. Visit our Quickstart Guide for all details on how to get Nova Credit API credentials and integrate NovaConnect into your app or website today.

Framework and Protocol

The Nova Credit API is organized around REST. It uses resource-oriented URLs, HTTP response codes, and native HTTP functionality such as authentication and verbs. Note that our APIs are served over HTTPS; HTTP is not supported in production.

Delivery Formats

JSON is the default response format.

Endpoints

Our API host is api.novacredit.com. (See Quickstart Guide for environment information.)

Endpoint	Description
GET /connect/accesstoken	Retrieves an access token for an applicant's report
GET /connect/status	Retrieves the status of an applicant's report

These endpoints are used to retrieve information about an applicant's report, and are prefixed with /connect/affordable-housing-verification/v1/:

Endpoint	Description
GET <prefix>/json	Retrieves an applicant's report in JSON form
GET <prefix>/files	Retrieves a list of files associated with an application, even if there is no report
GET <prefix>/files/<filepath>	Retrieves a file associated with an applicant's report

Visit our Quickstart Guide to see details on how to call these endpoints with examples.

Data Types & Formats

Data Types

Type	Description
String	Extended character set, numbers and punctuation symbols. This includes non-ASCII language-specific characters such as ß, à, ç, é, and more (all encoded as utf8).
Integer	A rounded numerical value.
Float	A 64-bit floating decimal point format.
Bool	A boolean-flag indicating true or false.
Object	Nested JSON level with more field-values.
Array	A value or type array contains a zero or positive amount of elements. The elements can be of any type.

Data Formats

Format	Description
Timestamp	(String) UTC ISO 8601 data and time format. Full specs according to RFC 3339. Example: 1982-09-26T32:20:50.52Z
Full Date	(String) UTC ISO 8601 date format. Full date format in YYYY-MM-DD. Example: 1982-09-26
Short Date	(String) UTC ISO 8601 date format. Shorter format in YYYY-MM. Example: 1982-09
UUID	(String) Universally Unique Identifier according to RFC 4122
URI	(String) Uniform Resource Identifier according to RFC 3986
Full Version	(String) Semantic versioning. http://semver.org/

Report Body

Generally, if there is no data to return in that "node" (aka JSON Object), it will not be returned.

Within each node, all fields will be returned. If there is no data to be returned for that field, it will be null.

Report Structure

The Eligibility Compass report has the following high level keys in the JSON:

• meta {object}
• product {object}
• stated_employers {array}
• identities {array}
• employment {array}
• assets {object}
• income {object}
• documents {array}
• application_completeness_checks {array}

A report with only income verification completed could have this structure:

{
  "meta": { ... },
  "product": { ... },
  "stated_employers": [ ... ],
  "identities": [ ... ],
  "employment": [ ... ],
  "income": { ... },
  "documents": [ ... ]
}

A report with only assets verification completed could have this structure:

{
  "meta": { ... },
  "product": { ... },
  "stated_employers": [ ... ],
  "identities": [ ... ],
  "assets": { ... },
  "documents": [ ... ],
  "application_completeness_checks": [ ... ]
}

meta

Information specific to the report that's been returned.

Field	Format	Notes
public_token	UUID	The unique identifier of this report
user_args	String or null	The input of the userArgs function in NovaConnect.
created_at	Timestamp	The date the consumer's data was retrieved
api_version	Full version	The API version used to generate this report
external_id	String or null	The unique applicant identifier of the report from your system.
status	String	The status for this report. If a report is available, the status will be SUCCESS
substatus	String or null	The substatus for the report. See substatuses.
nova_report_revision	String or null	The revision name for this report. This field will be null if this report has never been revised.
consumer_id	String or null	The unique identifier of the consumer associated with this report. Only returned if NovaConnect Consumer Endpoints BETA feature is enabled.
consumer_external_id	String or null	The unique identifier from your system of the consumer associated with this report. Only returned if NovaConnect Consumer Endpoints BETA feature is enabled.

Example:

"meta": {
	"public_token": "ff0886a4-f3ff-11e6-bc64-92361f002671",
	"user_args": "235234224",
	"created_at": "2024-01-13T11:07:46.51Z",
	"api_version": "1.0.0",
	"external_id": "d167c6bb-225c-461c-be63-f0bc3a1f62ea",
	"status": "SUCCESS",
	"substatus": null,
	"nova_report_revision": null,
	"consumer_id": "b281e335-9d19-4aa7-b559-e74d08a05cf4",
	"consumer_external_id": "472cbdc9-cf31-4117-a095-e27e2db054e5"
}

product

Details of the product the applicant applied for. Please refer to the Client-Side Integration section in the Quickstart Guide.

Field	Format	Notes
name	String	Product name
product_id	UUID	The unique identifier for the product
inquiry_type	String	See product inquiry_type values

Example:

"product": {
	"name": "Village Communities",
	"product_id": "9cf178e0-760e-11e7-abf3-5da9d338ae4b",
	"inquiry_type": "TENANT"
}

stated_employers

Each item represents a different employer or inflow source.

Field	Format	Notes
name	String	Name of the stated employer
input_method	String	The method by which the stated employer was provided. See input_method values
verification_sources	Array	See verification_sources
skipped_reason	String or null	See skipped_reason

Example of a stated employer that was verified by a payroll provider:

{
	"name": "Uber",
	"input_method": "CONSUMER_INPUT",
	"verification_sources": [
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
			"source_type": "PAYROLL",
			"status": "SUCCESS",
			"substatus": null
		}
	],
	"skipped_reason": null
}

Example of a stated employer that was verified by documents uploaded by the applicant:

{
	"name": "Walmart",
	"input_method": "CONSUMER_INPUT",
	"verification_sources": [
		{
			"source_id": "NOVA_DOCUMENT",
			"source_uuid": "a3bb189e-8bf9-3888-9912-ace4e6543001",
			"source_type": "DOCUMENT",
			"status": "SUCCESS",
			"substatus": null
		}
	],
	"skipped_reason": null
}

Example of a stated employer that was not verified and a reason was provided:

{
	"name": "Alimony",
	"input_method": "CONSUMER_INPUT",
	"verification_sources": [],
	"skipped_reason": "No longer receiving this income"
}

Example of a stated employer was attempted to be verified with a payroll provider but failed:

{
	"name": "Social Security",
	"input_method": "CONSUMER_INPUT",
	"verification_sources": [
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "6ba7b810-9dad-11d1-80b4-00c04fd430c8",
			"source_type": "PAYROLL",
			"status": "ERROR",
			"substatus": null
		}
	],
	"skipped_reason": null
},

Example of a stated employer that was not verified nor explicitly skipped by the user (journey abandoned and not completed before invite expiration):

{
	"name": "Walmart",
	"input_method": "CONSUMER_INPUT",
	"verification_sources": [],
	"skipped_reason": null
}

verification_sources

An array of verification sources that were attempted to verify the stated employer

Field	Format	Notes
source_id	String	See source_id
source_uuid	UUID	The unique identifier for the source instance
source_type	String	See source_type
status	String	See status
substatus	String	See substatus

identities

The applicant's personal identity information reported from each data source.

Field	Format	Notes
source_id	String	The human-readable identifier for the source that reported the identity information. See source_id
source_uuid	UUID or null	The unique identifier for the source instance
first_name	String or null
last_name	String or null
full_name	String or null
emails	Array of String
matching	Object	See matching

Example snippet of identities a report with one bank source and one payroll source:

{
	"identities": [
		{
			"source_id": "CONSUMER_INPUT",
			"source_uuid": null,
			"first_name": "Annie",
			"last_name": "Affordable",
			"full_name": "Annie Affordable",
			"emails": ["annie@email.com"],
			"matching": {
				"full_name": {
					"matched_sources": [
						{
							"source_id": "USA_ARGYLE",
							"source_uuid": "60735ac6-0b22-4c2e-9090-a5eba621f0bc"
						},
						{
							"source_id": "USA_FIN",
							"source_uuid": "a41f19b0-4fa5-445c-a2b7-c048e45d4050"
						}
					],
					"unmatched_sources": []
				}
			}
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "60735ac6-0b22-4c2e-9090-a5eba621f0bc",
			"first_name": "Annie",
			"last_name": "Affordable",
			"full_name": "Annie Affordable",
			"emails": ["annie@email.com"]
		},
		{
			"source_id": "USA_FIN",
			"source_uuid": "a41f19b0-4fa5-445c-a2b7-c048e45d4050",
			"first_name": null,
			"last_name": null,
			"full_name": "Annie Affordable Andrew Affordable",
			"emails": []
		}
	]
}

matching

Information about sources which have matching and conflicting values to a particular identity.

matching is returned in an object broken out by field, only certain fields are matched between sources. If only one identity item exists, there will be no matching field. Information about matching sources is stored wrapped in the MatchingField format, which indicates where each value was sourced from. The matching node will only be displayed on the identity with source_id of CONSUMER_INPUT.

Field	Format	Notes
full_name	Object	Matched and unmatched sources for the full name of the applicant

Example identities matching field object for case where there is a full name match:

{
	"matching": {
		"full_name": {
			"matched_sources": [
				{
					"source_id": "USA_FIN",
					"source_uuid": "5f19d40f-3c19-4a7d-ad7b-cc28dac40c4d"
				}
			],
			"unmatched_sources": []
		}
	}
}

Example identities matching field object for case where there is no full name match:

{
	"matching": {
		"full_name": {
			"matched_sources": [],
			"unmatched_sources": [
				{
					"source_id": "USA_FIN",
					"source_uuid": "c31bf8c7-c25b-4d2c-a4bc-61f79fd46e65"
				}
			]
		}
	}
}

MatchingField

An object containing information about which sources have a matching value for a field and which sources contain conflicting values for the same field. A source is an object containing a source_id and a source_uuid if there are multiple source records.

Field	Format	Notes
matched_sources	Array	List of sources which have a value that matches this identity. See Sources
unmatched_sources	Array	A list of sources which have a value that conflicts with this identity. See Sources

Example matching field object for case where there is a field match:

{
  "matched_sources": [
	{
	  "source_id": "USA_FIN",
	  "source_uuid": "5f19d40f-3c19-4a7d-ad7b-cc28dac40c4d"
	}
  ],
  "unmatched_sources": []
}

Example matching field object for case where there is no field match:

{
  "matched_sources": [],
  "unmatched_sources": [
	{
	  "source_id": "USA_FIN",
	  "source_uuid": "c31bf8c7-c25b-4d2c-a4bc-61f79fd46e65"
	}
  ]
}

Source

An object containing information about a source.

Field	Format	Notes
source_id	String	The identifier for the source that reported the identity information. See source_id
source_uuid	UUID or null	The unique identifier for the source instance

employment

Employment information specific to the applicant whose report is being accessed.

Field	Format	Notes
source_id	String	The identifier for the source that reported the employment information. See source_id
source_uuid	UUID	The unique identifier for the source instance
employer_name	String or null	Name of the applicant's employer
employer_address_line_1	String or null	Address line 1 where the applicant's employer is located
employer_address_line_2	String or null	Address line 2 where the applicant's employer is located
employer_city	String or null	City where the applicant's employer is located
employer_state	String or null	State where the applicant's employer is located
employment_type	String or null	Type of employment. See employment type
employment_status	String or null	Status of the applicant's employment. See employment status
job_title	String or null	Title of the applicant's job
hire_date	Full Date or null	Employee hire date as stated on the employment source
termination_date	Full Date or null	Employment termination date. If employment_status is active will be null
base_pay_rate	Float or null	The base pay rate of the employee
base_pay_period	String or null	The period associated with the base pay for the employee. See base_pay_period table
matching	Object	See matching

Example:

{
	"employment": [
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
			"employer_name": "Microsoft",
			"employer_address_line_1": "1 Microsoft Way",
			"employer_address_line_2": null,
			"employer_city": "Redmond",
			"employer_state": "Washington",
			"employment_type": "fulltime",
			"employment_status": "active",
			"job_title": "Product Manager",
			"hire_date": "2017-04-19",
			"termination_date": null,
			"base_pay_period": "SALARY",
			"base_pay_amount": 112000,
			"matching": {
				"employer_name": {
					"matched_employer_name": [
						{
							"stated_employer": "Microsoft"
						}
					],
					"unmatched_employer_name": []
				},
				"direct_deposit_accounts": {
					"matched_direct_deposit_accounts": [
						{
							"matched_account_id": "36139831-0a91-4d1f-bc3e-edc908a978c6",
							"truncated_account_number": "xxxx1234",
							"institution_name": "Bank of America"
						}
					],
					"unmatched_direct_deposit_accounts": []
				}
			}
		}
	]
}

matching

matching is returned as an object broken out by field. Each field includes matched and unmatched values, and may include where each value was sourced from.

Field	Format	Notes
employer_name	Object	Matched sources for an employer name
direct_deposit_accounts	Object	Matched direct deposit accounts

{
	"matching": {
		"employer_name": { ... },
		"direct_deposit_accounts": { ... },
	}
}

matching.employer_name

Information about employment sources which have matching vs. conflicting values to a particular stated_employer.

Example employment matching field object for case where there is an employer name match:

{
	"employer_name": {
		"matched_employer_name": [
			{
				"stated_employer": "Microsoft"
			}
		],
		"unmatched_employer_name": []
	}
}

Example employment matching field object for case where there is no employer name match:

{
	"employer_name": {
		"matched_employer_name": [],
		"unmatched_employer_name": [
			{
				"stated_employer": "Microsoft"
			}
		]
	}
}

matching.direct_deposit_accounts

Information about direct deposit accounts which may or may not be matched between the payroll connection and the assets portion of the report.

This node is only returned if the report includes assets verification.

Field	Format	Notes
matched_direct_deposit_accounts	Array	Array includes all direct deposit accounts for this payroll connection that we were able to match to accounts linked in the assets portion of the report
matched_direct_deposit_accounts.matched_account_id	String	The account_id for the matched account found within the assets array (will match to one of the assets.account_details.account_id numbers)
matched_direct_deposit_accounts.truncated_account_number	String	The truncated account number for the direct deposit account, as provided by the payroll system
matched_direct_deposit_accounts.institution_name	String	The institution name (i.e., bank) for the direct deposit account, as provided by the payroll system
unmatched_direct_deposit_accounts	Array	Array includes all direct deposit accounts for this payroll connection that we were not able to match to accounts linked in the assets portion of the report
unmatched_direct_deposit_accounts.truncated_account_number	String	The truncated account number for the unmatched direct deposit account, as provided by the payroll system
unmatched_direct_deposit_accounts.institution_name	String	The institution name (i.e., bank) for the unmatched direct deposit account, as provided by the payroll system

{
	"direct_deposit_accounts": {
		"matched_direct_deposit_accounts": [
			{
				"matched_account_id": "36139831-0a91-4d1f-bc3e-edc908a978c6",
				"truncated_account_number": "xxxx1234",
				"institution_name": "Bank of America"
			}
		],
		"unmatched_direct_deposit_accounts": [
			{
				"truncated_account_number": "xxxx5678",
				"institution_name": "Chase"
			}
		]
	}
}

assets

The assets object contains the following four fields:

{
    "assets": {
        "account_details": [ ... ],
        "inflows": [ ... ],
        "matched_income_sources": [ ... ],
        "failed_connections": [ ... ],
    }
}

account_details

An array with each instance containing details about an account. The array can have zero objects, and there is no upper bound.

Field	Format	Notes
source_id	String	The identifier for the source that reported the account details. See source_id
source_uuid	UUID	The unique identifier for the source instance.
account_id	UUID	Unique identifier for the account
owner_full_name	String or null	Full name of the owner of the account
institution_name	String or null	Name of institution such as Chase or Bank of America
account_name	String	Name of the account within the bank
account_type	String or null	Type of the account within the bank. See account types
date_first_transaction	Full Date or null	Date the first transaction was made on the account
last_statement_end_date	Full Date or null	Date the last statement was ended on the account
truncated_account_number	String or null	If available, the last four digits of the account number
responsibility	String or null	See responsibility
addresses	Array	See addresses
current_balance	Float or null	Current balance of the account
six_months_average_balance	Float or null	Average balance for the last six months. If < 6 months of data is available, balance for period available will be returned (no extrapolation is applied). See date_first_transaction to determine if < 6 months of data is available
twelve_months_income_from_assets	Float or null	How much interest was collected in the last twelve months. If < 12 months of data is available, income from assets for period available will be returned (no extrapolation is applied). See date_first_transaction to determine if < 12 months of data is available

Example:

{
    "account_details": [{
      "source_id": "USA_FIN",
      "source_uuid": "a7f3c89e-4b2d-4c8a-9f1e-6d3a8b7c4e92",
      "account_id": "36139831-0a91-4d1f-bc3e-edc908a978c6",
      "owner_full_name": "John Doe",
      "institution_name": "CHASE",
      "account_name": "INVESTMENT ACCOUNT",
      "account_type": "INVESTMENT",
      "date_first_transaction": "2015-05-01",
      "truncated_account_number": "1234",
      "responsibility": "INDIVIDUAL",
      "addresses": [
        {
          "address_id": "80421b7e-7918-4963-b5fb-85055c2994b7",
          "address": "225 Valencia St.",
          "street": "Valencia St.",
          "city": "San Francisco",
          "zipcode": "94103",
          "state": "CA"
        }
      ],
      "current_balance": 577.63,
      "six_months_average_balance": 432.55,
      "twelve_months_income_from_assets": 12.61
    },
    ...
    ],
}

addresses

Addresses is a history of contact information attached to this account. Addresses are returned in an array, can have zero objects, and there is no upper bound.

Field	Format	Notes
address_id	UUID	Unique identifier for the address
address	String	The full mailing address of the account owner
street	String	The street address where the account owner is located
city	String	The city where the account owner is located
zipcode	String	The zip code where the account owner is located
state	String	The state where the account owner is located

Example:

{
  "addresses": [{
    "address_id": "80421b7e-7918-4963-b5fb-85055c2994b7",
    "address": "225 Valencia St., San Francisco, CA 94103",
    "street": "Valencia St.",
    "city": "San Francisco",
    "zipcode": "94103",
    "state": "CA"
  }],
},

inflows

An array with each element containing information about inflows which have been marked as income. An inflow is a group of transactions that represents a single income stream (e.g., from a single employer).

If no inflows marked as income were found, this array may be empty.

Field	Format	Notes
inflow_id	String	A unique identifier for the inflow
account_id	String	A unique identifier for the linked account in assets.account_details
description	String	A short description of the inflow
deposited_annual_income	Number	Sum of all deposits for the inflow over the last twelve months. If fewer than twelve months are available, the data from the available months will be annualized.
deposited_recent_income	Number	Sum of all deposits for the inflow over the last three months annualized

Example:

{
	"inflows": [
		{
			"inflow_id": "3222a843-9768-406b-907c-b2f9a3dc669e",
			"account_id": "36139831-0a91-4d1f-bc3e-edc908a978c6",
			"description": "CLERICAL-TECHNIC PAYROLL PPD ID: ******7683",
			"deposited_annual_income": 31403.93,
			"deposited_recent_income": 34520.64
		},
		{
			"inflow_id": "1a84f67b-0ed1-450a-a78e-0e101755cc09",
			"account_id": "36139831-0a91-4d1f-bc3e-edc908a978c6",
			"description": "IRS TREAS 310 TAX REF PPD ID: ******6170",
			"deposited_annual_income": 3115,
			"deposited_recent_income": 0
		},
		{
			"inflow_id": "804636ca-8630-4609-93c0-5f6c07331a8e",
			"account_id": "36139831-0a91-4d1f-bc3e-edc908a978c6",
			"description": "STATEOFMICHIGAN PMT/REFUND PPD ID: 014-INCTAX",
			"deposited_annual_income": 716,
			"deposited_recent_income": 0
		}
	]
}

matched_income_sources

An array with each element containing information about any stated employer names provided by the applicant which were determined to match with an inflow.

If no matches between stated employer names and inflows could be found, this array may be empty.

Each stated employer may match with more than one inflow, but each inflow will only ever have a maximum of one stated employer match.

Field	Format	Notes
stated_employer	String	The name of the stated employer that was determined to match an inflow
matched_inflow_id	String	The unique identifier of the inflow that was determined to match the stated employer. See inflows

Example:

{
	"matched_income_sources": [
		{
			"stated_employer": "Clerical Technic",
			"matched_inflow_id": "3222a843-9768-406b-907c-b2f9a3dc669e"
		}
	]
}

failed_connections

If the consumer attempted to connect an assets source (bank or bank statements) but failed, this array will contain the details of the failed connection.

Field	Format	Notes
source_id	String	The identifier for the source that failed to connect. See source_id
source_uuid	UUID	The unique identifier for the source instance
source_type	String	The type of the source that failed to connect. See source_type
institution	String or null	The name of the institution that failed to connect
status	String	The status of the failed connection. See status
substatus	String or null	The substatus of the failed connection. See substatus

Example:

{
	"failed_connections": [
		{
			"source_id": "USA_FIN",
			"source_uuid": "a7f3c89e-4b2d-4c8a-9f1e-6d3a8b7c4e92",
			"source_type": "BANK_TRANSACTION",
			"institution": "Chime",
			"status": "ERROR",
			"substatus": "MFA_FETCH_REQUIRED"
		}
	]
}

income

Income information specific to the applicant whose report is being accessed. Not included in reports if income information is not found. If included, the data will include up to 12 months of pay statements.

Field	Format	Notes
payroll	Array	See payroll

{
  "income": {
	"payroll": [ ... ]
  }
}

payroll

Income information derived from payroll data.

Field	Format	Notes
source_id	String	The identifier for the source that reported the payroll information. See source_id
source_uuid	UUID	The unique identifier for the source instance.
provider_name	String	Name of the provider of payroll
provider_type	String	Type of the payroll provider

Depending on the provider type, payroll data is returned in two formats. The following fields are returned when provider_type is not "GIG":

Field	Format	Notes
annual_gross_income	Float	The sum of the last 12 month gross income for the employee. If < 12 months of data is available, the information will be annualized
annual_net_income	Float	The sum of the last 12 months net income for the employee. If < 12 months of data is available, the information will be annualized
pay_frequency	String or null	Calculated pay frequencySee pay_frequency table
statements	Array	See statements
calendar_summary	Array	See calendar_summary

The following fields are returned when provider_type is "GIG":

Field	Format	Notes
gigs_annual_gross_earnings	Float	Estimate of the gross annual gig earnings
gigs_annual_deposited_amount	Float	Estimate of the annual gig deposited amount
gigs_annual_net_earnings	Float	Estimate of the net annual gig earnings
gig_summaries	Array	See gig_summaries

Example 1:

{
  "income": {
	...
	"payroll": [
	  {
		"source_id": "USA_ARGYLE",
		"source_uuid": "a7f3c89e-4b2d-4c8a-9f1e-6d3a8b7c4e92",
		"provider_name": "ADP",
		"provider_type": "EMPLOYER",
		"annual_gross_income": 47500.38,
		"annual_net_income": 30000.12,
		"pay_frequency": "WEEKLY",
		"gigs_annual_gross_earnings": null,
		"gigs_annual_deposited_amount": null,
		"gigs_annual_net_earnings": null,
		"gig_summaries": [],
		"statements": [
		  {
			"pay_date": "2020-06-30",
			"pay_period_start": "2025-06-16",
			"pay_period_end": "2025-06-30",
			"hours_worked": 40.0,
			"gross_total_earnings_amount_current": 1225,
			"gross_total_earnings_amount_ytd": 13625,
			"net_total_earnings_amount_current": 840,
			"net_total_earnings_amount_ytd": 8840
		  },
		  {
			"pay_date": "2020-06-15",
			"pay_period_start": "2025-06-01",
			"pay_period_end": "2025-06-15",
			"hours_worked": 38.5,
			"gross_total_earnings_amount_current": 1175,
			"gross_total_earnings_amount_ytd": 12400,
			"net_total_earnings_amount_current": 800,
			"net_total_earnings_amount_ytd": 8000
		  }
		]
	  }
	]
  }
}

Example 2:

{
  "income": {
	...
	"payroll": [
	  {
		"source_id": "USA_ARGYLE",
		"source_uuid": "a7f3c89e-4b2d-4c8a-9f1e-6d3a8b7c4e92",
		"provider_name": "Uber",
		"provider_type": "GIG",
		"estimated_gross_annual_income": null,
		"estimated_net_annual_income": null,
		"pay_frequency": null,
		"statements": [],
		"gigs_annual_gross_earnings": 13221.01,
		"gigs_annual_deposited_amount": 11001.66,
		"gigs_annual_net_earnings": 9555.05,
		"gig_summaries": [
			{
            "pay_summary_start": "2025-03-15",
            "pay_summary_end": "2025-03-21",
            "gross_earnings": 969.56,
            "deposited_amount": 859.09,
            "net_earnings": 795.85,
            "tips": 24.76
          },
          {
            "pay_summary_start": "2025-03-08",
            "pay_summary_end": "2025-03-14",
            "gross_earnings": 541.62,
            "deposited_amount": 486.72,
            "net_earnings": 486.72,
            "tips": 20.4
          },
          {
            "pay_summary_start": "2025-03-01",
            "pay_summary_end": "2025-03-07",
            "gross_earnings": 423.57,
            "deposited_amount": 372.1,
            "net_earnings": 328.29,
            "tips": 0
          }
		  ...
		]
	  }
	]
  }
}

statements

A list of statement details

Field	Format	Notes
pay_date	Full Date	Date the pay was issued
pay_period_start	Full Date or null	Date this pay period started
pay_period_end	Full Date or null	Date this pay period ended
hours_worked	Float or null	Hours worked this pay period
gross_total_earnings_amount_current	Float or null	Gross total earnings from current pay period
gross_total_earnings_amount_ytd	Float or null	Gross total earnings from year to date pay period
net_total_earnings_amount_current	Float or null	Net total earnings from current pay period
net_total_earnings_amount_ytd	Float or null	Net total earnings from year to date pay period

Example of one statement:

{
	"pay_date": "2025-02-01",
	"pay_period_start": "2025-01-01",
	"pay_period_end": "2025-01-31",
	"hours_worked": 160.0,
	"gross_total_earnings_amount_current": 1127.16,
	"gross_total_earnings_amount_ytd": 2254.32,
	"net_total_earnings_amount_current": 1052.0,
	"net_total_earnings_amount_ytd": 2104.0
}

gig_summaries

A list of weekly gig summary details:

Field	Format	Notes
pay_summary_start	Full Date	Inclusive date of the summary period start
pay_summary_end	Full Date	Inclusive date of the summary period end
gross_earnings	Float or null	Gross earnings for the summary week
deposited_amount	Float or null	Deposited amount for the summary week
net_earnings	Float or null	Net earnings for the summary week
tips	Float or null	Total tips for the summary week

Example of one statement:

{
	"pay_summary_start": "2025-02-01",
	"pay_summary_end": "2025-02-07",
	"gross_earnings": 355.11,
	"deposited_amount": 280.54,
	"net_earnings": 269.92,
	"tips": 34.44
}

calendar_summary

Field	Format	Notes
year	String	The year associated with the calendar income. This will start in the most recent year + extend back to the earliest year of data.
calendar_year_gross_income	Float or null	The sum of the gross income received within that calendar year. If less than 12 months of data is available, the data will not be annualized.
calendar_year_net_income	Float or null	The sum of the net income received within that calendar year. If less than 12 months of data is available, the data will not be annualized.

Example of summary:

{
	"income": {
		"payroll": [
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"provider_name": "Walmart, Inc.",
				"pay_frequency": "WEEKLY",
				"provider_type": "EMPLOYER",
				"annual_gross_income": 12340,
				"annual_net_income": 8233,
				"calendar_summary": [
					{
						"year": "2025",
						"calendar_year_gross_income": 10296,
						"calendar_year_net_income": 7696,
					},
					{
						"year": "2024",
						"calendar_year_gross_income": 9260,
						"calendar_year_net_income": 7134,
					},
					{
						"year": "2023",
						"calendar_year_gross_income": 1245,
						"calendar_year_net_income": 843,
					},
				]
				"gigs_annual_gross_earnings": null,
				"gigs_annual_deposited_amount": null,
				"gigs_annual_net_earnings": null,
				"statements": [
					{
						"pay_date": "2025-08-25",
						"pay_period_start": "2025-08-18",
						"pay_period_end": "2025-08-24",
						"hours_worked": 40.0,
						"gross_total_earnings_amount_current": 198,
						"gross_total_earnings_amount_ytd": 10296,
						"net_total_earnings_amount_current": 148,
						"net_total_earnings_amount_ytd": 7696
					},
					{
						"pay_date": "2025-08-18",
						"pay_period_start": "2025-08-11",
						"pay_period_end": "2025-08-17",
						"hours_worked": 40.0,
						"gross_total_earnings_amount_current": 198,
						"gross_total_earnings_amount_ytd": 10098,
						"net_total_earnings_amount_current": 148,
						"net_total_earnings_amount_ytd": 7548
					}
				]
		},
	],
	}
}

documents

This array will contain items if:

• the applicant has uploaded documents for income verification
• the applicant has uploaded bank statements for asset verification
• the applicant has connected a payroll account for income verification that is not a gig connection

Field	Format	Notes
source_id	String	The identifier for the source that reported the income information. See source_id
source_uuid	UUID	The unique identifier for the source instance.
document_type	String	The type of document uploaded. See document_type
document_id	UUID	The identifier for the document.
available_date	Full Date or null	The date the document was made available to the end user.
source_filepath	String	The file path used for downloading an applicant's document.
irregularity_detection	Object	See irregularity_detection

Example where an applicant has uploaded one document and one bank statement:

{
	"documents": [
		{
			"source_id": "NOVA_DOCUMENT",
			"source_uuid": "a3bb189e-8bf9-3888-9912-ace4e6543002",
			"document_type": "DOCUMENT",
			"document_id": "a3bb189e-8bf9-3888-9912-ace4e6543002",
			"available_date": null,
			"source_filepath": "65bf7135-4eb8-4342-a7c2-0380322b3d59/a3bb189e-8bf9-3888-9912-ace4e6543002.pdf"
		},
		{
			"source_id": "OCROLUS",
			"source_uuid": "550e8400-e29b-41d4-a716-446655440000",
			"document_type": "BANK_STATEMENT",
			"document_id": "314986b3-6ae3-48ef-98ae-ace06900d6f8",
			"available_date": null,
			"source_filepath": "65bf7135-4eb8-4342-a7c2-0380322b3d59/550e8400-e29b-41d4-a716-446655440000.pdf",
			"irregularity_detection": {
				"status": "NOT_DETECTED",
				"reasons": [],
				"file_type": "pdf",
				"genuine_pdf": true,
				"version": "3.1"
			}
		}
	]
}

Payroll connection documents

For each payroll connection used for income verification, the documents node will have up to 15 items (paystubs). These items will have the same source_uuid, "source_id":"USA_ARGYLE", but a distinct document_id. Note that if it is a gig connection there will be 0 items.

In this example, the applicant has connected two different payroll accounts:

{
	"stated_employers": [
		{
			"name": "Pet Food Express",
			"input_method": "CONSUMER_INPUT",
			"verification_sources": [{
				"source_id": "USA_ARGYLE",
				"source_uuid": "a3bb189e-8bf9-3888-9912-ace4e6543002",
				"source_type": "PAYROLL", // note the source_type is PAYROLL
				"status": "SUCCESS",
				"substatus": null
			}],
			"skipped_reason": null
		},
		{
			"name": "Pet Club",
			"input_method": "CONSUMER_INPUT",
			"verification_sources": [{
				"source_id": "USA_ARGYLE",
				"source_uuid": "3f2504e0-4f89-11d3-9a0c-0305e82c330",
				"source_type": "PAYROLL", // note the source_type is PAYROLL
				"status": "SUCCESS",
				"substatus": null
			}],
			"skipped_reason": null
		}
	],
	"employment": [
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "a3bb189e-8bf9-3888-9912-ace4e6543002",
			"employer_name": "Pet Food Express",
			...
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "3f2504e0-4f89-11d3-9a0c-0305e82c3301",
			"employer_name": "Pet Club",
			...
		},
	],
	"documents": [
		// First connection has 1 paystub
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "a3bb189e-8bf9-3888-9912-ace4e6543002",
			"document_type": "PAYSTUB",
			"document_id": "550e8400-e29b-41d4-a716-446655440000",
			"available_date": "2025-06-30",
			"source_filepath": "a3bb189e-8bf9-3888-9912-ace4e6543002/550e8400-e29b-41d4-a716-446655440000.pdf"
		},
		// Second connection has 2 paystubs
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "3f2504e0-4f89-11d3-9a0c-0305e82c3301",
			"document_type": "PAYSTUB",
			"document_id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
			"available_date": "2025-06-23",
			"source_filepath": "3f2504e0-4f89-11d3-9a0c-0305e82c3301/a1b2c3d4-e5f6-7890-abcd-ef1234567890.pdf"
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "3f2504e0-4f89-11d3-9a0c-0305e82c3301",
			"document_type": "PAYSTUB",
			"document_id": "8b3e1f2a-4c5d-6e7f-8901-23456789abcd",
			"available_date": "2025-06-16",
			"source_filepath": "3f2504e0-4f89-11d3-9a0c-0305e82c3301/8b3e1f2a-4c5d-6e7f-8901-23456789abcd.pdf"
		}
	]
}

Benefit connection documents

For each benefit connection used for income verification, the documents node will have 1 item (benefit letter). This item will have "source_id":"USA_ARGYLE".

In this example, the applicant has connected a single benefit account:

{
	"stated_employers": [
		{
			"name": "Social Security",
			"input_method": "CONSUMER_INPUT",
			"verification_sources": [{
				"source_id": "USA_ARGYLE",
				"source_uuid": "a3bb189e-8bf9-3888-9912-ace4e6543002",
				"source_type": "PAYROLL", // note the source_type is PAYROLL
				"status": "SUCCESS",
				"substatus": null
			}],
			"skipped_reason": null
		}
	],
	"employment": [
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "a3bb189e-8bf9-3888-9912-ace4e6543002",
			"employer_name": "Social Security",
			...
		},
	],
	"documents": [
		// Connection has 1 benefit letter
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "a3bb189e-8bf9-3888-9912-ace4e6543002",
			"document_type": "BENEFIT",
			"document_id": "550e8400-e29b-41d4-a716-446655440000",
			"available_date": "2025-03-01",
			"source_filepath": "a3bb189e-8bf9-3888-9912-ace4e6543002/550e8400-e29b-41d4-a716-446655440000.pdf"
		}
	]
}

Bank statement upload documents

During asset verification, the applicant has the option to upload bank statements for an account if they cannot connect it directly. For each account, the documents node will have exactly 6 items (separate bank statements). These items will have the same source_uuid, "source_id":"OCROLUS", but a distinct document_id.

In this example, the applicant has uploaded bank statements for one bank account:

{
	"assets": {
		"account_details": [{
				"source_id": "OCROLUS",
				"source_uuid": "a3bb189e-8bf9-3888-9912-ace4e6543002",
				"institution_name": "Citizens Bank",
				...

		}]
	},
	"documents": [
		// Connection has 6 bank statements
		{
			"source_id": "OCROLUS",
			"source_uuid": "a3bb189e-8bf9-3888-9912-ace4e6543002",
			"document_type": "BANK_STATEMENT",
			"document_id": "550e8400-e29b-41d4-a716-446655440000",
			"available_date": null,
			"source_filepath": "a3bb189e-8bf9-3888-9912-ace4e6543002/550e8400-e29b-41d4-a716-446655440000.pdf",
			"irregularity_detection": {
				"status": "NOT_DETECTED",
				"reasons": [],
				"file_type": "pdf",
				"genuine_pdf": true,
				"version": "3.1"
			}
		},
		{
			"source_id": "OCROLUS",
			"source_uuid": "a3bb189e-8bf9-3888-9912-ace4e6543002",
			"document_type": "BANK_STATEMENT",
			"document_id": "e7f6a5b4-c3d2-e1f0-9a8b-7c6d5e4f3a2b",
			"available_date": null,
			"source_filepath": "a3bb189e-8bf9-3888-9912-ace4e6543002/e7f6a5b4-c3d2-e1f0-9a8b-7c6d5e4f3a2b.pdf",
			"irregularity_detection": {
				"status": "NOT_DETECTED",
				"reasons": [],
				"file_type": "pdf",
				"genuine_pdf": true,
				"version": "3.1"
			}
		},
		{
			"source_id": "OCROLUS",
			"source_uuid": "a3bb189e-8bf9-3888-9912-ace4e6543002",
			"document_type": "BANK_STATEMENT",
			"document_id": "5f4e3d2c-1b0a-9988-7766-554433221100",
			"available_date": null,
			"source_filepath": "a3bb189e-8bf9-3888-9912-ace4e6543002/5f4e3d2c-1b0a-9988-7766-554433221100.pdf",
			"irregularity_detection": {
				"status": "NOT_DETECTED",
				"reasons": [],
				"file_type": "pdf",
				"genuine_pdf": true,
				"version": "3.1"
			}
		},
		{
			"source_id": "OCROLUS",
			"source_uuid": "a3bb189e-8bf9-3888-9912-ace4e6543002",
			"document_type": "BANK_STATEMENT",
			"document_id": "9a8c7d6-e5f4-3021-9876-543210fedcba",
			"available_date": null,
			"source_filepath": "a3bb189e-8bf9-3888-9912-ace4e6543002/9a8c7d6-e5f4-3021-9876-543210fedcba.pdf",
			"irregularity_detection": {
				"status": "NOT_DETECTED",
				"reasons": [],
				"file_type": "pdf",
				"genuine_pdf": true,
				"version": "3.1"
			}
		},
		{
			"source_id": "OCROLUS",
			"source_uuid": "a3bb189e-8bf9-3888-9912-ace4e6543002",
			"document_type": "BANK_STATEMENT",
			"document_id": "2d1c0b9a-8978-6756-4534-231209876543",
			"available_date": null,
			"source_filepath": "a3bb189e-8bf9-3888-9912-ace4e6543002/2d1c0b9a-8978-6756-4534-231209876543.pdf",
			"irregularity_detection": {
				"status": "NOT_DETECTED",
				"reasons": [],
				"file_type": "pdf",
				"genuine_pdf": true,
				"version": "3.1"
			}
		},
		{
			"source_id": "OCROLUS",
			"source_uuid": "a3bb189e-8bf9-3888-9912-ace4e6543002",
			"document_type": "BANK_STATEMENT",
			"document_id": "7e6d5c4b-3a29-1807-6543-21098fedcba9",
			"available_date": null,
			"source_filepath": "a3bb189e-8bf9-3888-9912-ace4e6543002/7e6d5c4b-3a29-1807-6543-21098fedcba9.pdf",
			"irregularity_detection": {
				"status": "NOT_DETECTED",
				"reasons": [],
				"file_type": "pdf",
				"genuine_pdf": true,
				"version": "3.1"
			}
		}
	]
}

Generic document upload documents

If the applicant has uploaded documents for income verification, the documents node will have up to 3 items (separate documents) from the same income source. These items will have the same source_uuid, "source_id":"NOVA_DOCUMENT", but a distinct document_id.

In this example, the applicant has uploaded two documents for one income source:

{
	"stated_employers": [
		{
			"name": "Pet Food Express",
			"input_method": "NOVA_DOCUMENT",
			"verification_sources": [
				{
					"source_id": "NOVA_DOCUMENT",
					"source_uuid": "a3bb189e-8bf9-3888-9912-ace4e6543002",
					"source_type": "DOCUMENT", // note the source_type is DOCUMENT
					"status": "SUCCESS",
					"substatus": null
				}
			],
			"skipped_reason": null
		}
	],
	"documents": [
		{
			"source_id": "NOVA_DOCUMENT",
			"source_uuid": "a3bb189e-8bf9-3888-9912-ace4e6543002",
			"document_type": "DOCUMENT",
			"document_id": "8b3e1f2a-4c5d-6e7f-8901-23456789abcd",
			"available_date": null,
			"source_filepath": "a3bb189e-8bf9-3888-9912-ace4e6543002/8b3e1f2a-4c5d-6e7f-8901-23456789abcd.pdf"
		},
		{
			"source_id": "NOVA_DOCUMENT",
			"source_uuid": "a3bb189e-8bf9-3888-9912-ace4e6543002",
			"document_type": "DOCUMENT",
			"document_id": "1a2b3c4d-5e6f-7890-abcd-ef0123456789",
			"available_date": null,
			"source_filepath": "a3bb189e-8bf9-3888-9912-ace4e6543002/1a2b3c4d-5e6f-7890-abcd-ef0123456789.pdf"
		}
	]
}

irregularity_detection

This node will contain details about any irregularities detected on bank statements.

Field	Format	Notes
status	String	See irregularity_detection status values
reasons	Array	See irregularity_detection reasons values
file_type	String or null	See irregularity_detection file_types values
genuine_pdf	Boolean or null	True only if document is exceptionally genuine, not provided otherwise
version	String	The version of the fraud algorithm used to generate the results

Example irregularity_detection field with status NOT_DETECTED and the genuine_pdf flag:

{
	"irregularity_detection": {
		"status": "NOT_DETECTED",
		"reasons": [],
		"file_type": "pdf",
		"genuine_pdf": true,
		"version": "3.0"
	}
}

Example irregularity_detection field with status REVIEW:

{
	"irregularity_detection": {
		"status": "REVIEW",
		"reasons": [
			{
				"reason": "Edited Content Detected",
				"severity": "Low Risk"
			}
		],
		"file_type": "pdf",
		"genuine_pdf": null,
		"version": "3.0"
	}
}

Example irregularity_detection field with status DETECTED and multiple reasons:

{
	"irregularity_detection": {
		"status": "DETECTED",
		"reasons": [
			{
				"reason": "Edited Content Detected",
				"severity": "High Risk"
			},
			{
				"reason": "Unusual Document Source Detected",
				"severity": "Medium Risk"
			}
		],
		"file_type": "pdf",
		"genuine_pdf": null,
		"version": "3.0"
	}
}

irregularity detection reasons []

Specific reasons supporting the provided irregularity_detection status.

Field	Format	Notes
reason	String	See the irregularity_detection_reason table
severity	String	See the irregularity_detection_severity table

application_completeness_checks

Nova checks information across the report to check for specific inconsistencies or indicators that the compliance officers will need to follow up with applicants for additional information.

Field	Format	Notes
check	String	See check
value	Boolean	Represents if the check has passed or failed

Example:

  "application_completeness_checks": [
        {
            "check": "MISSING_DEPOSIT_ACCOUNTS_DETECTED",
            "value": false
        },
        {
            "check": "PRIMARY_ACCOUNT_NOT_DETECTED",
            "value": false
        },
        {
            "check": "VENMO_TRANSACTIONS_DETECTED",
            "value": true
        },
        {
            "check": "CASHAPP_TRANSACTIONS_DETECTED",
            "value": false
        },
        {
            "check": "ZELLE_TRANSACTIONS_DETECTED",
            "value": true
        },
        {
            "check": "PAYPAL_TRANSACTIONS_DETECTED",
            "value": true
        },
        {
            "check": "SKIPPED_INCOME",
            "value": true
        }
    ]

Tables

account_type

Values of the account_type field.

Value
CASH_EQUIVALENT
CREDIT_CARD
INVESTMENT
INSTALLMENT
MORTGAGE
OTHER

base_pay_period

Value
HOURLY
DAILY
WEEKLY
BI_WEEKLY
SEMI_MONTHLY
MONTHLY
ANNUAL
SALARY

check

Value	Description
MISSING_DEPOSIT_ACCOUNTS_DETECTED	Flags if there are any direct deposit accounts found in payroll data that were not connected via bank connection
PRIMARY_ACCOUNT_NOT_DETECTED	No primary account was detected
VENMO_TRANSACTIONS_DETECTED	Any transactions detected from Venmo in the last 12 months, per keyword searching
CASHAPP_TRANSACTIONS_DETECTED	Any transactions detected from CashApp in the last 12 months, per keyword searching
ZELLE_TRANSACTIONS_DETECTED	Any transactions detected from Zelle in the last 12 months, per keyword searching
PAYPAL_TRANSACTIONS_DETECTED	Any transactions detected from PayPal in the last 12 months, per keyword searching
SKIPPED_INCOME	Consumer skipped verification of any income streams

document_type

Value	Description
BANK_STATEMENT	A bank statement uploaded by the applicant for asset verification
BENEFIT	A benefit letter pulled from a benefits provider for income verification
DOCUMENT	A document uploaded by the applicant for income verification
PAYSTUB	A paystub pulled from a payroll provider for income verification

employment_status

Values of the employment[].employment_status field.

Value
active
terminated

employment_type

Values of the employment[].employment_type field.

Value
contract
fulltime
parttime

input_method

Value	Description
CONSUMER_INPUT	The stated employer was provided by the applicant
DETECTED	The stated employer was detected by Nova Credit

inquiry_type

The human-readable labels are shown when creating and viewing products in the Nova Credit Dashboard. The value column shows the values that are returned in the JSON.

Human-readable label	Value
Monitoring	MONITORING
Credit Card	CREDIT_CARD
Vehicle Auto	VEHICLE_AUTO
Vehicle Other	VEHICLE_OTHER
Mortgage	MORTGAGE
Personal	PERSONAL
Student	STUDENT
Utility	UTILITY
Commercial	COMMERCIAL
Consumer	CONSUMER
Tenant Screening	TENANT
Other	OTHER

irregularity_detection file_type

Values of the file_type field in the irregularity_detection node.

Value
pdf
image
unsupported

irregularity_detection reason

Values of the reason field in the irregularity_detection.reasons node.

Value
Serial Fraud Detected
Edited Content Detected
Suspicious Modification Detected
Browser/Os Processed
No Textual Document Detected
Unusual Document Source Detected
Screenshot Detected
PDF/Image Converted
Suspicious Format Detected
Editing Software Detected
Others

irregularity_detection severity

Values of the severity field in the irregularity_detection.reasons node.

Value
High Risk
Medium Risk
Low Risk

irregularity_detection status

Values of the status field in the irregularity_detection node.

Value	Description
NOT_DETECTED	No irregularities were detected on the file
DETECTED	Irregularities were detected on the file
REVIEW	Minor fraud indications detected, manual review recommended

pay_frequency

Values of the pay_frequency field.

Value
null
WEEKLY
BI_WEEKLY
SEMI_MONTHLY
MONTHLY
QUARTERLY

provider_type

Values of the provider_type field.

Value
null
EMPLOYER
GIG
BENEFITS
PLATFORM

responsibility

Values of the responsibility field.

Value	Description
INDIVIDUAL	The individual is solely responsible for the account
JOINT	The individual is jointly responsible for the account

skipped_reason

If the inflow was not verified, the reason the applicant provided for skipping.

Value	Description
"No longer receiving this income"	The applicant has chosen this value from a dropdown
"Duplicate income"	The applicant has chosen this value from a dropdown
"Incorrect or unknown income source"	The applicant has chosen this value from a dropdown
"One-time refund or account transfer"	The applicant has chosen this value from a dropdown
"Declined all verification options"	The applicant did not select any verification options
(other)	The applicant has manually entered a reason

source_id

A human-readable identifier for the source, unique within the context of the report.

Value	Description
MANUAL	Data was manually entered by the applicant
NOVA_DOCUMENT	Data was sourced from a document uploaded by the applicant
OCROLUS	Data was sourced from an uploaded bank statement
USA_AKOYA	Data was sourced from a bank connection through Akoya
USA_ARGYLE	Data was sourced from a payroll provider through Argyle
USA_FIN	Data was sourced from a bank connection through Finicity
USA_MX	Data was sourced from a bank connection through MX
USA_RAI	Data was sourced through Resistant AI

source_type

The following are values for stated_employers[].verification_sources[].source_type:

Value	Description
DOCUMENT	Data was sourced from a document
PAYROLL	Data was sourced from a payroll provider

The following are values for assets[].failed_connections[].source_type:

Value	Description
BANK_TRANSACTION	Data was sourced from a bank connection
FRAUD	Data was sourced from fraud analysis

status

If the status is the overall status of an application, the following columns are relevant:

• Terminal means that this overall status is final and will not change
• Report Available means that a report can be retrieved for the application or publicToken
• Webhook means that there is a webhook available for this status

Status	Description	Terminal?	Report Available?	Webhook?
INVITED	The applicant has been sent an invite, such as through the Invite API or in the Nova Dashboard	✗	✗	✗
INITIALIZED	The /connect/initialization endpoint has been used	✗	✗	✗
PENDING	A visit has been initialized upon opening the NovaConnect widget	✗	✗	✓
SUCCESS	The data source has successfully provided information on the applicant	✓	✓	✓
EXPIRED	The visit has expired before the applicant was able to complete the flow. This will be sent if no completion 5 days after initial widget opened, invite sent, or initialization endpoint called	✓	✗	✓
NOT_AUTHENTICATED	The applicant was unable to connect to a valid account or the applicant did not upload supported documents within the allowed retry attempts	✓	✗	✓
ERROR	An error occurred and the report could not be compiled. If there isn't a detailed substatus, send a message to your Nova Credit Representative with the publicToken	✓	✗	✓
SKIPPED	The applicant opted to skip all steps in the application.	✓	✗	✓
SUPPLIER_UNRESPONSIVE	The applicant has encountered a data supplier outage while going through the widget. They may need to go through NovaConnect again at a later time	✓	✗	✓

The following statuses can be attached to a specific source:

Status	Description
PENDING	The source was started but never completed
SUCCESS	See above
NOT_AUTHENTICATED	See above
ERROR	See above
SKIPPED	The applicant opted to skip the source.
SUPPLIER_UNRESPONSIVE	See above

substatus

Additional insight on certain cases that occur when fetching or parsing a report.

These substatuses may accompany a webhook with an ERROR status:

Value	Description
INVALID_PREFILLS_PII_MISSING	Prefills required for the IN Report are missing.
INVALID_PREFILL_KEY	A prefill field has been passed in that is not supported for the current API version. (Only returned in sandbox.)
INVALID_PREFILL_ADDRESS	The address sent via prefill must be a string with max length 100 characters and contain a valid street address.
INVALID_PREFILL_CITY	The city sent via prefill must be a string with max length 100.
INVALID_PREFILL_DOB	The birthday sent via prefill is missing or not in YYYY-MM-DD format.
INVALID_PREFILL_EMAIL	The email sent via prefill must be a valid email with max length 100 characters.
INVALID_PREFILL_FIRST_NAME	The first name sent via prefill must be a string less than 255 characters and contain only alphabetical, unicode, dots, apostraphes and dashes.
INVALID_PREFILL_LAST_NAME	The last name sent via prefill must be a string less than 255 characters and contain only alphabetical, unicode, dots, apostraphes and dashes.
INVALID_PREFILL_INCOME	The stated annual income sent via prefill must be an integer between 0 and 2147483647.
INVALID_PREFILL_PHONE	The phone number sent via prefill must be a string with max length 255 characters.
INVALID_PREFILL_STATE	The state sent via prefill is missing or not in a valid two letter US state or territory code.
INVALID_PREFILL_ZIP	The zip code sent via prefill must a string with a valid USA zip code.

The following substatuses can be attached to a specific source:

Source Status	Source Substatus	Description
ERROR	INCOMPLETE_INFORMATION	The source did not provide critical fields
NOT_AUTHENTICATED	E_BANKING_NOT_SUPPORTED	The connected bank does not support e-banking features
NOT_AUTHENTICATED	INCOMPATIBLE_ACCOUNT_TYPES_SUBMITTED	The user only submitted debt accounts (e.g. credit card).
NOT_AUTHENTICATED	MFA_REQUIRED_ON_FETCH	Multi-factor authentication failed or was required but not completed

Report Examples

Primary example (verification with bank + payroll connection)

{
	"meta": {
		"public_token": "65bf7135-4eb8-4342-a7c2-0380322b3d59",
		"user_args": null,
		"created_at": "2025-02-07T23:10:51.987Z",
		"api_version": "1.0.0",
		"external_id": null,
		"status": "SUCCESS",
		"substatus": null,
		"nova_report_revision": null,
		"consumer_id": "b281e335-9d19-4aa7-b559-e74d08a05cf4",
		"consumer_external_id": "472cbdc9-cf31-4117-a095-e27e2db054e5"
	},
	"product": {
		"name": "Village Communities",
		"product_id": "12d1e755-3d82-445d-84e6-b67b5ff7c70d",
		"inquiry_type": "TENANT"
	},
	"stated_employers": [
		{
			"name": "Walmart",
			"input_method": "CONSUMER_INPUT",
			"verification_sources": [
				{
					"source_id": "USA_ARGYLE",
					"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
					"source_type": "PAYROLL",
					"status": "SUCCESS",
					"substatus": null
				}
			]
		},
		{
			"name": "Social Security",
			"input_method": "CONSUMER_INPUT",
			"verification_sources": [
				{
					"source_id": "USA_ARGYLE",
					"source_uuid": "6ba7b810-9dad-11d1-80b4-00c04fd430c8",
					"source_type": "PAYROLL",
					"status": "SUCCESS",
					"substatus": null
				}
			]
		}
	],
	"identities": [
		{
			"source_id": "CONSUMER_INPUT",
			"source_uuid": null,
			"first_name": "Raymond",
			"last_name": "Marshal",
			"full_name": "Raymond Marshal",
			"emails": ["raymond@email.com"],
			"matching": {
				"full_name": {
					"matched_sources": [
						{
							"source_id": "USA_AKOYA",
							"source_uuid": "753c4285-9331-4502-b02b-5064904f33ce"
						},
						{
							"source_id": "USA_FIN",
							"source_uuid": "550e8400-e29b-41d4-a716-446655440000"
						},
						{
							"source_id": "USA_ARGYLE",
							"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479"
						},
						{
							"source_id": "USA_ARGYLE",
							"source_uuid": "6ba7b810-9dad-11d1-80b4-00c04fd430c8"
						}
					],
					"unmatched_sources": []
				}
			}
		},
		{
			"source_id": "USA_AKOYA",
			"source_uuid": "753c4285-9331-4502-b02b-5064904f33ce",
			"first_name": null,
			"last_name": null,
			"full_name": "RAYMOND MARSHAL",
			"emails": []
		},
		{
			"source_id": "USA_FIN",
			"source_uuid": "550e8400-e29b-41d4-a716-446655440000",
			"first_name": null,
			"last_name": null,
			"full_name": "RAYMOND MARSHAL",
			"emails": []
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
			"first_name": null,
			"last_name": null,
			"full_name": "RAYMOND J MARSHAL",
			"emails": []
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "6ba7b810-9dad-11d1-80b4-00c04fd430c8",
			"first_name": null,
			"last_name": null,
			"full_name": "RAYMOND MARSHAL",
			"emails": []
		}
	],
	"employment": [
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
			"employer_name": "Walmart, Inc.",
			"employer_address_line_1": "702 SW 8th Street",
			"employer_address_line_2": null,
			"employer_city": "Bentonville",
			"employer_state": "Arkansas",
			"employment_type": "parttime",
			"employment_status": "active",
			"job_title": "Cashier",
			"hire_date": "2023-03-01",
			"termination_date": null,
			"base_pay_period": "HOURLY",
			"base_pay_amount": 24.22,
			"matching": {
				"employer_name": {
					"matched_employer_name": [
						{
							"stated_employer": "Walmart"
						}
					],
					"unmatched_employer_name": []
				},
				"direct_deposit_accounts": {
					"matched_direct_deposit_accounts": [
						{
							"matched_account_id": "fd058f61-56d3-4150-ad9f-ff899b55f799",
							"truncated_account_number": "475462",
							"institution_name": "Chase"
						}
					],
					"unmatched_direct_deposit_accounts": []
				}
			}
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "6ba7b810-9dad-11d1-80b4-00c04fd430c8",
			"employer_name": "Social Security Administration",
			"employer_address_line_1": "1100 West High Rise",
			"employer_address_line_2": null,
			"employer_city": "Baltimore",
			"employer_state": "Maryland",
			"employment_type": "benefit",
			"employment_status": "active",
			"job_title": null,
			"hire_date": "2022-01-01",
			"termination_date": null,
			"base_pay_period": "MONTHLY",
			"base_pay_amount": null,
			"matching": {
				"employer_name": {
					"matched_employer_name": [
						{
							"stated_employer": "Social Security"
						}
					],
					"unmatched_employer_name": []
				},
				"direct_deposit_accounts": {
					"matched_direct_deposit_accounts": [
						{
							"matched_account_id": "738a6d6e-23be-40c8-a236-39c5659a09a1",
							"truncated_account_number": "47205726",
							"institution_name": "Alpine Bank"
						}
					],
					"unmatched_direct_deposit_accounts": []
				}
			}
		}
	],
	"assets": {
		"account_details": [
			{
				"source_id": "USA_AKOYA",
				"source_uuid": "753c4285-9331-4502-b02b-5064904f33ce",
				"account_id": "fd058f61-56d3-4150-ad9f-ff899b55f799",
				"owner_full_name": "RAYMOND MARSHAL",
				"institution_name": "Chase",
				"account_name": "Checking Account",
				"account_type": "CASH_EQUIVALENT",
				"date_first_transaction": "2020-01-27",
				"last_statement_end_date": null,
				"truncated_account_number": "475462",
				"responsibility": "INDIVIDUAL",
				"addresses": [
					{
						"address_id": "6d4d5fff-25ee-4ba0-8247-9bc75b900378",
						"address": "5445 ALTON PKWY IRVINE CA 92614",
						"street": null,
						"city": null,
						"zipcode": null,
						"state": null
					}
				],
				"current_balance": 577.63,
				"six_months_average_balance": 432.55,
				"twelve_months_income_from_assets": 12.61
			},
			{
				"source_id": "USA_FIN",
				"source_uuid": "550e8400-e29b-41d4-a716-446655440000",
				"account_id": "738a6d6e-23be-40c8-a236-39c5659a09a1",
				"owner_full_name": "RAYMOND MARSHAL",
				"institution_name": "Alpine Bank",
				"account_name": "Checking Account",
				"account_type": "CASH_EQUIVALENT",
				"date_first_transaction": "2025-02-27",
				"last_statement_end_date": null,
				"truncated_account_number": "47205726",
				"responsibility": null,
				"addresses": [
					{
						"address_id": "6d4d5fff-25ee-4ba0-8247-9bc75b900378",
						"address": "5445 ALTON PKWY IRVINE CA 92614",
						"street": null,
						"city": null,
						"zipcode": null,
						"state": null
					}
				],
				"current_balance": 643.78,
				"six_months_average_balance": 337.54,
				"twelve_months_income_from_assets": 11.67
			}
		],
		"inflows": [
			{
				"inflow_id": "f3f0d372-a0f7-402f-835e-67ce6db2a75f",
				"account_id": "fd058f61-56d3-4150-ad9f-ff899b55f799",
				"description": "walmart irvine superstore",
				"deposited_annual_income": 10296,
				"deposited_recent_income": 7696
			},
			{
				"inflow_id": "2c5ea4c0-4067-11e9-8bad-9b1deb4d3b7d",
				"account_id": "fd058f61-56d3-4150-ad9f-ff899b55f799",
				"description": "soc secur treas XXX",
				"deposited_annual_income": 12345,
				"deposited_recent_income": 12345
			},
			{
				"inflow_id": "c33632a0-1d6a-11eb-806e-1f1356d092eb",
				"account_id": "738a6d6e-23be-40c8-a236-39c5659a09a1",
				"description": "VENMO CASHOUT PPD ID",
				"deposited_annual_income": 480,
				"deposited_recent_income": 488
			}
		],
		"matched_income_sources": [
			{
				"stated_employer": "Social Security",
				"matched_inflow_id": "2c5ea4c0-4067-11e9-8bad-9b1deb4d3b7d"
			},
			{
				"stated_employer": "Walmart",
				"matched_inflow_id": "f3f0d372-a0f7-402f-835e-67ce6db2a75f"
			}
		]
	},
	"income": {
		"payroll": [
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"provider_name": "Walmart, Inc.",
				"provider_type": "EMPLOYER",
				"annual_gross_income": 10296.0,
				"annual_net_income": 7696.0,
				"pay_frequency": "WEEKLY",
				"gigs_annual_gross_earnings": null,
				"gigs_annual_deposited_amount": null,
				"gigs_annual_net_earnings": null,
				"gig_summaries": [],
				"calendar_summary": [
					{
						"year": "2025",
						"calendar_year_gross_income": 6675.43,
						"calendar_year_net_income": 4989.71
					},
					{
						"year": "2024",
						"calendar_year_gross_income": 3620.57,
						"calendar_year_net_income": 2706.29
					}
				],
				"statements": [
					{
						"pay_date": "2025-08-25",
						"pay_period_start": "2025-08-18",
						"pay_period_end": "2025-08-24",
						"hours_worked": 40.0,
						"gross_total_earnings_amount_current": 198,
						"gross_total_earnings_amount_ytd": 10296,
						"net_total_earnings_amount_current": 148,
						"net_total_earnings_amount_ytd": 7696
					},
					{
						"pay_date": "2025-08-18",
						"pay_period_start": "2025-08-11",
						"pay_period_end": "2025-08-17",
						"hours_worked": 40.0,
						"gross_total_earnings_amount_current": 198,
						"gross_total_earnings_amount_ytd": 10098,
						"net_total_earnings_amount_current": 148,
						"net_total_earnings_amount_ytd": 7548
					},
					{
						"pay_date": "2025-08-11",
						"pay_period_start": "2025-08-04",
						"pay_period_end": "2025-08-10",
						"hours_worked": 38.5,
						"gross_total_earnings_amount_current": 198,
						"gross_total_earnings_amount_ytd": 9900,
						"net_total_earnings_amount_current": 148,
						"net_total_earnings_amount_ytd": 7400
					},
					{
						"pay_date": "2025-08-04",
						"pay_period_start": "2025-07-28",
						"pay_period_end": "2025-08-03",
						"hours_worked": 40.0,
						"gross_total_earnings_amount_current": 198,
						"gross_total_earnings_amount_ytd": 9702,
						"net_total_earnings_amount_current": 148,
						"net_total_earnings_amount_ytd": 7252
					},
					{
						"pay_date": "2025-07-28",
						"pay_period_start": "2025-07-21",
						"pay_period_end": "2025-07-27",
						"hours_worked": 40.0,
						"gross_total_earnings_amount_current": 198,
						"gross_total_earnings_amount_ytd": 9504,
						"net_total_earnings_amount_current": 148,
						"net_total_earnings_amount_ytd": 7104
					},
					{
						"pay_date": "2025-07-21",
						"pay_period_start": "2025-07-14",
						"pay_period_end": "2025-07-20",
						"hours_worked": 35.0,
						"gross_total_earnings_amount_current": 198,
						"gross_total_earnings_amount_ytd": 9306,
						"net_total_earnings_amount_current": 148,
						"net_total_earnings_amount_ytd": 6956
					},
					{
						"pay_date": "2025-07-14",
						"pay_period_start": "2025-07-07",
						"pay_period_end": "2025-07-13",
						"hours_worked": 40.0,
						"gross_total_earnings_amount_current": 198,
						"gross_total_earnings_amount_ytd": 9108,
						"net_total_earnings_amount_current": 148,
						"net_total_earnings_amount_ytd": 6808
					},
					{
						"pay_date": "2025-07-07",
						"pay_period_start": "2025-06-30",
						"pay_period_end": "2025-07-06",
						"hours_worked": 40.0,
						"gross_total_earnings_amount_current": 198,
						"gross_total_earnings_amount_ytd": 8910,
						"net_total_earnings_amount_current": 148,
						"net_total_earnings_amount_ytd": 6660
					},
					{
						"pay_date": "2025-06-30",
						"pay_period_start": "2025-06-23",
						"pay_period_end": "2025-06-29",
						"hours_worked": 40.0,
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						"hours_worked": null,
						"gross_total_earnings_amount_current": 1127.16,
						"gross_total_earnings_amount_ytd": 2254.32,
						"net_total_earnings_amount_current": 1052.0,
						"net_total_earnings_amount_ytd": 2104.0
					},
					{
						"pay_date": "2025-01-01",
						"pay_period_start": "2024-12-01",
						"pay_period_end": "2024-12-31",
						"hours_worked": null,
						"gross_total_earnings_amount_current": 1127.16,
						"gross_total_earnings_amount_ytd": 1127.16,
						"net_total_earnings_amount_current": 1052.0,
						"net_total_earnings_amount_ytd": 1052.0
					},
					{
						"pay_date": "2024-12-01",
						"pay_period_start": "2024-11-01",
						"pay_period_end": "2024-11-30",
						"hours_worked": null,
						"gross_total_earnings_amount_current": 1127.16,
						"gross_total_earnings_amount_ytd": 13525.92,
						"net_total_earnings_amount_current": 1052.0,
						"net_total_earnings_amount_ytd": 12624.0
					},
					{
						"pay_date": "2024-11-01",
						"pay_period_start": "2024-10-01",
						"pay_period_end": "2024-10-31",
						"hours_worked": null,
						"gross_total_earnings_amount_current": 1127.16,
						"gross_total_earnings_amount_ytd": 12398.76,
						"net_total_earnings_amount_current": 1052.0,
						"net_total_earnings_amount_ytd": 11572.0
					},
					{
						"pay_date": "2024-10-01",
						"pay_period_start": "2024-09-01",
						"pay_period_end": "2024-09-30",
						"hours_worked": null,
						"gross_total_earnings_amount_current": 1127.16,
						"gross_total_earnings_amount_ytd": 11271.6,
						"net_total_earnings_amount_current": 1052.0,
						"net_total_earnings_amount_ytd": 10520.0
					},
					{
						"pay_date": "2024-09-01",
						"pay_period_start": "2024-08-01",
						"pay_period_end": "2024-08-31",
						"hours_worked": null,
						"gross_total_earnings_amount_current": 1127.16,
						"gross_total_earnings_amount_ytd": 10144.44,
						"net_total_earnings_amount_current": 1052.0,
						"net_total_earnings_amount_ytd": 9468.0
					}
				]
			}
		],
		"documents": [
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "cf0fa8ef-a79e-4e2a-a829-3a9a61db66e3",
				"available_date": "2025-10-30",
				"source_filepath": "cf0fa8ef-a79e-4e2a-a829-3a9a61db66e3/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "7f3e9c82-4d5a-4b8e-9f2c-1a6b8e4d7c3f",
				"available_date": "2025-10-23",
				"source_filepath": "7f3e9c82-4d5a-4b8e-9f2c-1a6b8e4d7c3f/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"available_date": "2025-10-16",
				"source_filepath": "f47ac10b-58cc-4372-a567-0e02b2c3d479/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "6ba7b812-9dad-11d1-80b4-00c04fd430c8",
				"available_date": "2025-10-09",
				"source_filepath": "6ba7b812-9dad-11d1-80b4-00c04fd430c8/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "9d8c7b6a-5e4f-3210-abcd-ef9876543210",
				"available_date": "2025-10-02",
				"source_filepath": "9d8c7b6a-5e4f-3210-abcd-ef9876543210/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "1a2b3c4d-5e6f-7890-abcd-123456789abc",
				"available_date": "2025-09-25",
				"source_filepath": "1a2b3c4d-5e6f-7890-abcd-123456789abc/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "8f7e6d5c-4b3a-2190-fedc-ba9876543210",
				"available_date": "2025-09-18",
				"source_filepath": "8f7e6d5c-4b3a-2190-fedc-ba9876543210/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "fedcba98-7654-3210-9876-543210fedcba",
				"available_date": "2025-09-11",
				"source_filepath": "fedcba98-7654-3210-9876-543210fedcba/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "24681357-9bdf-ace0-2468-13579bdfac24",
				"available_date": "2025-09-04",
				"source_filepath": "24681357-9bdf-ace0-2468-13579bdfac24/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "97531246-8ace-0bdf-9753-1246acedbf97",
				"available_date": "2025-08-29",
				"source_filepath": "97531246-8ace-0bdf-9753-1246acedbf97/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "abcdef12-3456-7890-abcd-ef1234567890",
				"available_date": "2025-08-22",
				"source_filepath": "abcdef12-3456-7890-abcd-ef1234567890/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "1122aabb-ccdd-eeff-1122-aabbccddeeff",
				"available_date": "2025-08-15",
				"source_filepath": "1122aabb-ccdd-eeff-1122-aabbccddeeff/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "9988ffee-ddcc-bbaa-9988-ffeeddccbbaa",
				"available_date": "2025-08-08",
				"source_filepath": "9988ffee-ddcc-bbaa-9988-ffeeddccbbaa/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "deadbeef-cafe-babe-dead-beefcafebabe",
				"available_date": "2025-08-01",
				"source_filepath": "deadbeef-cafe-babe-dead-beefcafebabe/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "c0ffee00-d00d-face-c0ff-ee00d00dface",
				"available_date": "2025-07-24",
				"source_filepath": "c0ffee00-d00d-face-c0ff-ee00d00dface/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "6ba7b810-9dad-11d1-80b4-00c04fd430c8",
				"document_type": "BENEFIT",
				"document_id": "550e8400-e29b-41d4-a716-446655440000",
				"available_date": "2025-07-17",
				"source_filepath": "550e8400-e29b-41d4-a716-446655440000/6ba7b810-9dad-11d1-80b4-00c04fd430c8.pdf"
			}
		]
	},
	"application_completeness_checks": [
		{
			"check": "MISSING_DEPOSIT_ACCOUNTS_DETECTED",
			"value": false
		},
		{
			"check": "PRIMARY_ACCOUNT_NOT_DETECTED",
			"value": false
		},
		{
			"check": "VENMO_TRANSACTIONS_DETECTED",
			"value": true
		},
		{
			"check": "CASHAPP_TRANSACTIONS_DETECTED",
			"value": false
		},
		{
			"check": "ZELLE_TRANSACTIONS_DETECTED",
			"value": false
		},
		{
			"check": "PAYPAL_TRANSACTIONS_DETECTED",
			"value": false
		},
		{
			"check": "SKIPPED_INCOME",
			"value": false
		}
	]
}

Document example (verification with bank statements + document upload)

{
	"meta": {
		"public_token": "a1b2c3d4-5e6f-7890-abcd-ef1234567890",
		"user_args": null,
		"created_at": "2025-09-07T23:10:51.987Z",
		"api_version": "1.0.0",
		"external_id": null,
		"status": "SUCCESS",
		"substatus": null,
		"nova_report_revision": null,
		"consumer_id": "b281e335-9d19-4aa7-b559-e74d08a05cf4",
		"consumer_external_id": "472cbdc9-cf31-4117-a095-e27e2db054e5"
	},
	"product": {
		"name": "Village Communities",
		"product_id": "9f8e7d6c-5b4a-3928-1764-fedcba098765",
		"inquiry_type": "TENANT"
	},
	"stated_employers": [
		{
			"name": "Uber",
			"input_method": "CONSUMER_INPUT",
			"verification_sources": [
				{
					"source_id": "USA_ARGYLE",
					"source_uuid": "b2c3d4e5-f678-9012-3456-789abcdef012",
					"source_type": "PAYROLL",
					"status": "SUCCESS",
					"substatus": null
				}
			]
		},
		{
			"name": "Unemployment",
			"input_method": "CONSUMER_INPUT",
			"verification_sources": [
				{
					"source_id": "NOVA_DOCUMENT",
					"source_uuid": "d4e5f678-9012-3456-789a-bcdef0123456",
					"source_type": "DOCUMENT",
					"status": "SUCCESS",
					"substatus": null
				}
			]
		},
		// This income source was skipped and applicant provided a reason
		{
			"name": "Alimony",
			"input_method": "CONSUMER_INPUT",
			"verification_sources": [],
			"skipped_reason": "No longer receiving this income"
		}
	],
	"identities": [
		{
			"source_id": "CONSUMER_INPUT",
			"source_uuid": null,
			"first_name": "Raymond",
			"last_name": "Marshal",
			"full_name": "Raymond Marshal",
			"emails": ["raymond@email.com"],
			"matching": {
				"full_name": {
					"matched_sources": [
						{
							"source_id": "OCROLUS",
							"source_uuid": "e5f67890-1234-5678-9abc-def012345678"
						},
						{
							"source_id": "USA_ARGYLE",
							"source_uuid": "b2c3d4e5-f678-9012-3456-789abcdef012"
						}
					],
					"unmatched_sources": []
				}
			}
		},
		{
			"source_id": "OCROLUS",
			"source_uuid": "e5f67890-1234-5678-9abc-def012345678",
			"first_name": null,
			"last_name": null,
			"full_name": "RAYMOND MARSHAL",
			"emails": []
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "b2c3d4e5-f678-9012-3456-789abcdef012",
			"first_name": null,
			"last_name": null,
			"full_name": "RAYMOND MARSHAL",
			"emails": []
		}
	],
	"employment": [
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "b2c3d4e5-f678-9012-3456-789abcdef012",
			"employer_name": "Uber",
			"employer_address_line_1": "1725 3rd St",
			"employer_address_line_2": null,
			"employer_city": "San Francisco",
			"employer_state": "California",
			"employment_type": "contract",
			"employment_status": "active",
			"job_title": "Driver",
			"hire_date": "2025-03-01",
			"termination_date": null,
			"base_pay_period": null,
			"base_pay_amount": null,
			"matching": {
				"employer_name": {
					"matched_employer_name": [
						{
							"stated_employer": "Uber"
						}
					],
					"unmatched_employer_name": []
				},
				"direct_deposit_accounts": {
					"matched_direct_deposit_accounts": [
						{
							"matched_account_id": "f6789012-3456-789a-bcde-f01234567890",
							"truncated_account_number": "475462",
							"institution_name": "Redstone Federal Credit Union"
						}
					],
					"unmatched_direct_deposit_accounts": []
				}
			}
		}
	],
	"assets": {
		"account_details": [
			{
				"source_id": "OCROLUS",
				"source_uuid": "e5f67890-1234-5678-9abc-def012345678",
				"account_id": "f6789012-3456-789a-bcde-f01234567890",
				"owner_full_name": "RAYMOND MARSHAL",
				"institution_name": "Redstone Federal Credit Union",
				"account_name": "Checking Account",
				"account_type": "CASH_EQUIVALENT",
				"date_first_transaction": "2020-01-27",
				"last_statement_end_date": "2025-08-31",
				"truncated_account_number": "475462",
				"responsibility": "INDIVIDUAL",
				"addresses": [
					{
						"address_id": "78901234-5678-9abc-def0-123456789012",
						"address": "5445 ALTON PKWY IRVINE CA 92614",
						"street": null,
						"city": null,
						"zipcode": null,
						"state": null
					}
				],
				"current_balance": 612.47,
				"six_months_average_balance": 458.73,
				"twelve_months_income_from_assets": 13.42
			}
		],
		"inflows": [
			{
				"inflow_id": "89012345-6789-abcd-ef01-23456789abcd",
				"account_id": "f6789012-3456-789a-bcde-f01234567890",
				"description": "uber instant pay st louis mo",
				"deposited_annual_income": 3847,
				"deposited_recent_income": 4102
			},
			{
				"inflow_id": "9abcdef0-1234-5678-9abc-def012345678",
				"account_id": "f6789012-3456-789a-bcde-f01234567890",
				"description": "CA unemp dept of labor",
				"deposited_annual_income": 2345,
				"deposited_recent_income": 2345
			}
		],
		"matched_income_sources": [
			{
				"stated_employer": "Unemployment",
				"matched_inflow_id": "9abcdef0-1234-5678-9abc-def012345678"
			},
			{
				"stated_employer": "Uber",
				"matched_inflow_id": "89012345-6789-abcd-ef01-23456789abcd"
			}
		],
		// User had one attempted bank connection for asset verification that failed
		"failed_connections": [
			{
				"source_id": "USA_FIN",
				"source_uuid": "abcdef01-2345-6789-abcd-ef0123456789",
				"source_type": "BANK_TRANSACTION",
				"institution": "Chime",
				"status": "ERROR",
				"sub_status": "MFA_FETCH_REQUIRED"
			}
		]
	},
	"income": {
		"payroll": [
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "b2c3d4e5-f678-9012-3456-789abcdef012",
				"provider_name": "UberDrive",
				"provider_type": "GIG",
				"annual_gross_income": null,
				"annual_net_income": null,
				"pay_frequency": null,
				"gigs_annual_gross_earnings": 27212.78,
				"gigs_annual_deposited_amount": 23715.6,
				"gigs_annual_net_earnings": 22281.13,
				"gig_summaries": [
					{
						"pay_summary_start": "2025-10-18",
						"pay_summary_end": "2025-10-24",
						"gross_earnings": 621.21,
						"deposited_amount": 553.73,
						"net_earnings": 527.04,
						"tips": 38.86
					},
					{
						"pay_summary_start": "2025-10-11",
						"pay_summary_end": "2025-10-17",
						"gross_earnings": 769.66,
						"deposited_amount": 660.37,
						"net_earnings": 646.71,
						"tips": 22.98
					},
					{
						"pay_summary_start": "2025-10-04",
						"pay_summary_end": "2025-10-10",
						"gross_earnings": 371.89,
						"deposited_amount": 336.47,
						"net_earnings": 295.47,
						"tips": 39.89
					},
					{
						"pay_summary_start": "2025-09-27",
						"pay_summary_end": "2025-10-03",
						"gross_earnings": 310.89,
						"deposited_amount": 262.14,
						"net_earnings": 251.66,
						"tips": 9.92
					},
					{
						"pay_summary_start": "2025-09-20",
						"pay_summary_end": "2025-09-26",
						"gross_earnings": 618.1,
						"deposited_amount": 556.96,
						"net_earnings": 510.75,
						"tips": 0
					},
					{
						"pay_summary_start": "2025-09-13",
						"pay_summary_end": "2025-09-19",
						"gross_earnings": 905.07,
						"deposited_amount": 825.72,
						"net_earnings": 750.16,
						"tips": 34.48
					},
					{
						"pay_summary_start": "2025-09-06",
						"pay_summary_end": "2025-09-12",
						"gross_earnings": 428.17,
						"deposited_amount": 372.15,
						"net_earnings": 372.15,
						"tips": 24.17
					},
					{
						"pay_summary_start": "2025-08-30",
						"pay_summary_end": "2025-09-05",
						"gross_earnings": 273.91,
						"deposited_amount": 236.61,
						"net_earnings": 206.29,
						"tips": 8.88
					},
					{
						"pay_summary_start": "2025-08-23",
						"pay_summary_end": "2025-08-29",
						"gross_earnings": 553.13,
						"deposited_amount": 472.76,
						"net_earnings": 453.69,
						"tips": 19.95
					},
					{
						"pay_summary_start": "2025-08-16",
						"pay_summary_end": "2025-08-22",
						"gross_earnings": 354.58,
						"deposited_amount": 242.34,
						"net_earnings": 235.41,
						"tips": 0
					},
					{
						"pay_summary_start": "2025-08-09",
						"pay_summary_end": "2025-08-15",
						"gross_earnings": 475.23,
						"deposited_amount": 420.88,
						"net_earnings": 395.23,
						"tips": 30.72
					},
					{
						"pay_summary_start": "2025-08-02",
						"pay_summary_end": "2025-08-08",
						"gross_earnings": 432.43,
						"deposited_amount": 401.2,
						"net_earnings": 387.89,
						"tips": 0
					},
					{
						"pay_summary_start": "2025-07-26",
						"pay_summary_end": "2025-08-01",
						"gross_earnings": 331.04,
						"deposited_amount": 306.37,
						"net_earnings": 264.38,
						"tips": 0
					},
					{
						"pay_summary_start": "2025-07-19",
						"pay_summary_end": "2025-07-25",
						"gross_earnings": 272.08,
						"deposited_amount": 233.67,
						"net_earnings": 217.64,
						"tips": 19.31
					},
					{
						"pay_summary_start": "2025-07-12",
						"pay_summary_end": "2025-07-18",
						"gross_earnings": 487.97,
						"deposited_amount": 441.84,
						"net_earnings": 433.64,
						"tips": 23.2
					},
					{
						"pay_summary_start": "2025-07-05",
						"pay_summary_end": "2025-07-11",
						"gross_earnings": 371.26,
						"deposited_amount": 274.47,
						"net_earnings": 256.23,
						"tips": 30.68
					},
					{
						"pay_summary_start": "2025-06-28",
						"pay_summary_end": "2025-07-04",
						"gross_earnings": 228.8,
						"deposited_amount": 201.71,
						"net_earnings": 184.63,
						"tips": 0
					},
					{
						"pay_summary_start": "2025-06-21",
						"pay_summary_end": "2025-06-27",
						"gross_earnings": 536.43,
						"deposited_amount": 463.1,
						"net_earnings": 442.76,
						"tips": 0
					},
					{
						"pay_summary_start": "2025-06-14",
						"pay_summary_end": "2025-06-20",
						"gross_earnings": 692.75,
						"deposited_amount": 567.1,
						"net_earnings": 557.34,
						"tips": 6.95
					},
					{
						"pay_summary_start": "2025-06-07",
						"pay_summary_end": "2025-06-13",
						"gross_earnings": 618.9,
						"deposited_amount": 547.38,
						"net_earnings": 506.34,
						"tips": 0
					},
					{
						"pay_summary_start": "2025-05-31",
						"pay_summary_end": "2025-06-06",
						"gross_earnings": 739.85,
						"deposited_amount": 653.05,
						"net_earnings": 600.27,
						"tips": 46.67
					},
					{
						"pay_summary_start": "2025-05-24",
						"pay_summary_end": "2025-05-30",
						"gross_earnings": 512.5,
						"deposited_amount": 439.07,
						"net_earnings": 404.94,
						"tips": 15.01
					},
					{
						"pay_summary_start": "2025-05-17",
						"pay_summary_end": "2025-05-23",
						"gross_earnings": 572.35,
						"deposited_amount": 475.58,
						"net_earnings": 475.58,
						"tips": 0
					},
					{
						"pay_summary_start": "2025-05-10",
						"pay_summary_end": "2025-05-16",
						"gross_earnings": 669.68,
						"deposited_amount": 568.57,
						"net_earnings": 554.94,
						"tips": 0
					},
					{
						"pay_summary_start": "2025-05-03",
						"pay_summary_end": "2025-05-09",
						"gross_earnings": 292.31,
						"deposited_amount": 256.95,
						"net_earnings": 234.59,
						"tips": 0
					},
					{
						"pay_summary_start": "2025-04-26",
						"pay_summary_end": "2025-05-02",
						"gross_earnings": 604.81,
						"deposited_amount": 512.91,
						"net_earnings": 502.92,
						"tips": 0
					},
					{
						"pay_summary_start": "2025-04-19",
						"pay_summary_end": "2025-04-25",
						"gross_earnings": 469.9,
						"deposited_amount": 411.33,
						"net_earnings": 373.86,
						"tips": 12.14
					},
					{
						"pay_summary_start": "2025-04-12",
						"pay_summary_end": "2025-04-18",
						"gross_earnings": 772.98,
						"deposited_amount": 718.64,
						"net_earnings": 643.98,
						"tips": 0
					},
					{
						"pay_summary_start": "2025-04-05",
						"pay_summary_end": "2025-04-11",
						"gross_earnings": 632.32,
						"deposited_amount": 546.57,
						"net_earnings": 532.63,
						"tips": 47.23
					},
					{
						"pay_summary_start": "2025-03-29",
						"pay_summary_end": "2025-04-04",
						"gross_earnings": 511.34,
						"deposited_amount": 419.39,
						"net_earnings": 419.39,
						"tips": 2.34
					},
					{
						"pay_summary_start": "2025-03-22",
						"pay_summary_end": "2025-03-28",
						"gross_earnings": 551.59,
						"deposited_amount": 513.24,
						"net_earnings": 473.84,
						"tips": 15.66
					},
					{
						"pay_summary_start": "2025-03-15",
						"pay_summary_end": "2025-03-21",
						"gross_earnings": 969.56,
						"deposited_amount": 859.09,
						"net_earnings": 795.85,
						"tips": 24.76
					},
					{
						"pay_summary_start": "2025-03-08",
						"pay_summary_end": "2025-03-14",
						"gross_earnings": 541.62,
						"deposited_amount": 486.72,
						"net_earnings": 486.72,
						"tips": 20.4
					},
					{
						"pay_summary_start": "2025-03-01",
						"pay_summary_end": "2025-03-07",
						"gross_earnings": 423.57,
						"deposited_amount": 372.1,
						"net_earnings": 328.29,
						"tips": 0
					},
					{
						"pay_summary_start": "2025-02-22",
						"pay_summary_end": "2025-02-28",
						"gross_earnings": 287.93,
						"deposited_amount": 271.91,
						"net_earnings": 246.52,
						"tips": 0
					},
					{
						"pay_summary_start": "2025-02-15",
						"pay_summary_end": "2025-02-21",
						"gross_earnings": 718.36,
						"deposited_amount": 634.04,
						"net_earnings": 571.55,
						"tips": 6.74
					},
					{
						"pay_summary_start": "2025-02-08",
						"pay_summary_end": "2025-02-14",
						"gross_earnings": 633.36,
						"deposited_amount": 543.81,
						"net_earnings": 494.67,
						"tips": 20.5
					},
					{
						"pay_summary_start": "2025-02-01",
						"pay_summary_end": "2025-02-07",
						"gross_earnings": 507.88,
						"deposited_amount": 440.52,
						"net_earnings": 415.8,
						"tips": 8.28
					},
					{
						"pay_summary_start": "2025-01-25",
						"pay_summary_end": "2025-01-31",
						"gross_earnings": 288.26,
						"deposited_amount": 237.51,
						"net_earnings": 213.32,
						"tips": 0
					}
				],
				"statements": []
			}
		],
		// Applicant uploaded 6 bank statements from one account for asset verification
		"documents": [
			{
				"source_id": "OCROLUS",
				"source_uuid": "bcdef012-3456-789a-bcde-f01234567890",
				"document_type": "BANK_STATEMENT",
				"document_id": "cdef0123-4567-89ab-cdef-012345678901",
				"available_date": null,
				"source_filepath": "a1b2c3d4-5e6f-7890-abcd-ef1234567890/bcdef012-3456-789a-bcde-f01234567890.pdf",
				"irregularity_detection": {
					"status": "NOT_DETECTED",
					"reasons": [],
					"file_type": "pdf",
					"genuine_pdf": true,
					"version": "3.1"
				}
			},
			{
				"source_id": "OCROLUS",
				"source_uuid": "bcdef012-3456-789a-bcde-f01234567890",
				"document_type": "BANK_STATEMENT",
				"document_id": "def01234-5678-9abc-def0-123456789012",
				"available_date": null,
				"source_filepath": "a1b2c3d4-5e6f-7890-abcd-ef1234567890/bcdef012-3456-789a-bcde-f01234567890.pdf",
				"irregularity_detection": {
					"status": "NOT_DETECTED",
					"reasons": [],
					"file_type": "pdf",
					"genuine_pdf": true,
					"version": "3.1"
				}
			},
			{
				"source_id": "OCROLUS",
				"source_uuid": "bcdef012-3456-789a-bcde-f01234567890",
				"document_type": "BANK_STATEMENT",
				"document_id": "ef012345-6789-abcd-ef01-234567890123",
				"available_date": null,
				"source_filepath": "a1b2c3d4-5e6f-7890-abcd-ef1234567890/bcdef012-3456-789a-bcde-f01234567890.pdf",
				"irregularity_detection": {
					"status": "NOT_DETECTED",
					"reasons": [],
					"file_type": "pdf",
					"genuine_pdf": true,
					"version": "3.1"
				}
			},
			{
				"source_id": "OCROLUS",
				"source_uuid": "bcdef012-3456-789a-bcde-f01234567890",
				"document_type": "BANK_STATEMENT",
				"document_id": "f0123456-789a-bcde-f012-3456789abcde",
				"available_date": null,
				"source_filepath": "a1b2c3d4-5e6f-7890-abcd-ef1234567890/bcdef012-3456-789a-bcde-f01234567890.pdf",
				"irregularity_detection": {
					"status": "NOT_DETECTED",
					"reasons": [],
					"file_type": "pdf",
					"genuine_pdf": true,
					"version": "3.1"
				}
			},
			{
				"source_id": "OCROLUS",
				"source_uuid": "bcdef012-3456-789a-bcde-f01234567890",
				"document_type": "BANK_STATEMENT",
				"document_id": "01234567-89ab-cdef-0123-456789abcdef",
				"available_date": null,
				"source_filepath": "a1b2c3d4-5e6f-7890-abcd-ef1234567890/bcdef012-3456-789a-bcde-f01234567890.pdf",
				"irregularity_detection": {
					"status": "NOT_DETECTED",
					"reasons": [],
					"file_type": "pdf",
					"genuine_pdf": true,
					"version": "3.1"
				}
			},
			{
				"source_id": "OCROLUS",
				"source_uuid": "bcdef012-3456-789a-bcde-f01234567890",
				"document_type": "BANK_STATEMENT",
				"document_id": "12345678-9abc-def0-1234-56789abcdef0",
				"available_date": null,
				"source_filepath": "a1b2c3d4-5e6f-7890-abcd-ef1234567890/bcdef012-3456-789a-bcde-f01234567890.pdf",
				"irregularity_detection": {
					"status": "NOT_DETECTED",
					"reasons": [],
					"file_type": "pdf",
					"genuine_pdf": true,
					"version": "3.1"
				}
			},
			// Applicant uploaded 1 document for one income source for income verification
			{
				"source_id": "NOVA_DOCUMENT",
				"source_uuid": "23456789-abcd-ef01-2345-6789abcdef01",
				"document_type": "DOCUMENT",
				"document_id": "c3d4e5f6-7890-1234-5678-9abcdef01234",
				"available_date": null,
				"source_filepath": "a1b2c3d4-5e6f-7890-abcd-ef1234567890/23456789-abcd-ef01-2345-6789abcdef01.pdf"
			}
		]
	},
	"application_completeness_checks": [
		{
			"check": "MISSING_DEPOSIT_ACCOUNTS_DETECTED",
			"value": false
		},
		{
			"check": "PRIMARY_ACCOUNT_NOT_DETECTED",
			"value": false
		},
		{
			"check": "VENMO_TRANSACTIONS_DETECTED",
			"value": false
		},
		{
			"check": "CASHAPP_TRANSACTIONS_DETECTED",
			"value": false
		},
		{
			"check": "ZELLE_TRANSACTIONS_DETECTED",
			"value": false
		},
		{
			"check": "PAYPAL_TRANSACTIONS_DETECTED",
			"value": true
		},
		{
			"check": "SKIPPED_INCOME",
			"value": true
		}
	]
}

Income only example (verification of income only)

{
	"meta": {
		"public_token": "e1f2a3b4-5c6d-4890-abcd-ef1234567890",
		"user_args": null,
		"created_at": "2025-09-07T23:10:51.987Z",
		"api_version": "1.0.0",
		"external_id": null,
		"status": "SUCCESS",
		"substatus": null,
		"nova_report_revision": null,
		"consumer_id": "b281e335-9d19-4aa7-b559-e74d08a05cf4",
		"consumer_external_id": "472cbdc9-cf31-4117-a095-e27e2db054e5"
	},
	"product": {
		"name": "Village Communities",
		"product_id": "a2b3c4d5-6e7f-4928-8764-fedcba098765",
		"inquiry_type": "TENANT"
	},
	"stated_employers": [
		{
			"name": "Target",
			"input_method": "CONSUMER_INPUT",
			"verification_sources": [
				{
					"source_id": "USA_ARGYLE",
					"source_uuid": "b3c4d5e6-7f80-4012-8456-789abcdef012",
					"source_type": "PAYROLL",
					"status": "SUCCESS",
					"substatus": null
				}
			]
		},
		{
			"name": "Child Support",
			"input_method": "CONSUMER_INPUT",
			"verification_sources": [
				{
					"source_id": "NOVA_DOCUMENT",
					"source_uuid": "d5e6f789-0123-4456-889a-bcdef0123456",
					"source_type": "DOCUMENT",
					"status": "SUCCESS",
					"substatus": null
				}
			]
		}
	],
	"identities": [
		{
			"source_id": "CONSUMER_INPUT",
			"source_uuid": null,
			"first_name": "Raymond",
			"last_name": "Marshal",
			"full_name": "Raymond Marshal",
			"emails": ["raymond@email.com"],
			"matching": {
				"full_name": {
					"matched_sources": [
						{
							"source_id": "USA_ARGYLE",
							"source_uuid": "b3c4d5e6-7f80-4012-8456-789abcdef012"
						}
					],
					"unmatched_sources": []
				}
			}
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "b3c4d5e6-7f80-4012-8456-789abcdef012",
			"first_name": null,
			"last_name": null,
			"full_name": "RAYMOND MARSHAL",
			"emails": []
		}
	],
	"employment": [
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "b3c4d5e6-7f80-4012-8456-789abcdef012",
			"employer_name": "Target",
			"employer_address_line_1": "1725 3rd St",
			"employer_address_line_2": null,
			"employer_city": "Minneapolis",
			"employer_state": "Minnesota",
			"employment_type": "full time",
			"employment_status": "active",
			"job_title": "Cashier",
			"hire_date": "2023-03-01",
			"termination_date": null,
			"base_pay_period": "HOURLY",
			"base_pay_amount": 22.22,
			"matching": {
				"employer_name": {
					"matched_employer_name": [
						{
							"stated_employer": "Target"
						}
					],
					"unmatched_employer_name": []
				}
			}
		}
	],
	"income": {
		"payroll": [
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "b3c4d5e6-7f80-4012-8456-789abcdef012",
				"provider_name": "Target, Inc.",
				"provider_type": "EMPLOYER",
				"annual_gross_income": 28100.0,
				"annual_net_income": 23900.0,
				"pay_frequency": "BIWEEKLY",
				"gigs_annual_gross_earnings": null,
				"gigs_annual_deposited_amount": null,
				"gigs_annual_net_earnings": null,
				"gig_summaries": [],
				"statements": [
					{
						"pay_date": "2025-08-15",
						"pay_period_start": "2025-08-01",
						"pay_period_end": "2025-08-14",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 19458,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 16540
					},
					{
						"pay_date": "2025-08-01",
						"pay_period_start": "2025-07-18",
						"pay_period_end": "2025-07-31",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 18377,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 15620
					},
					{
						"pay_date": "2025-07-18",
						"pay_period_start": "2025-07-04",
						"pay_period_end": "2025-07-17",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 17296,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 14700
					},
					{
						"pay_date": "2025-07-04",
						"pay_period_start": "2025-06-20",
						"pay_period_end": "2025-07-03",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 16215,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 13780
					},
					{
						"pay_date": "2025-06-20",
						"pay_period_start": "2025-06-06",
						"pay_period_end": "2025-06-19",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 15134,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 12860
					},
					{
						"pay_date": "2025-06-06",
						"pay_period_start": "2025-05-23",
						"pay_period_end": "2025-06-05",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 14053,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 11940
					},
					{
						"pay_date": "2025-05-23",
						"pay_period_start": "2025-05-09",
						"pay_period_end": "2025-05-22",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 12972,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 11020
					},
					{
						"pay_date": "2025-05-09",
						"pay_period_start": "2025-04-25",
						"pay_period_end": "2025-05-08",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 11891,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 10100
					},
					{
						"pay_date": "2025-04-25",
						"pay_period_start": "2025-04-11",
						"pay_period_end": "2025-04-24",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 10810,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 9180
					},
					{
						"pay_date": "2025-04-11",
						"pay_period_start": "2025-03-28",
						"pay_period_end": "2025-04-10",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 9729,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 8260
					},
					{
						"pay_date": "2025-03-28",
						"pay_period_start": "2025-03-14",
						"pay_period_end": "2025-03-27",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 8648,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 7340
					},
					{
						"pay_date": "2025-03-14",
						"pay_period_start": "2025-02-28",
						"pay_period_end": "2025-03-13",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 7567,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 6420
					},
					{
						"pay_date": "2025-02-28",
						"pay_period_start": "2025-02-14",
						"pay_period_end": "2025-02-27",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 6486,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 5500
					},
					{
						"pay_date": "2025-02-14",
						"pay_period_start": "2025-01-31",
						"pay_period_end": "2025-02-13",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 5405,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 4580
					},
					{
						"pay_date": "2025-01-31",
						"pay_period_start": "2025-01-17",
						"pay_period_end": "2025-01-30",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 4324,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 3660
					},
					{
						"pay_date": "2025-01-17",
						"pay_period_start": "2025-01-03",
						"pay_period_end": "2025-01-16",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 3243,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 2740
					},
					{
						"pay_date": "2025-01-03",
						"pay_period_start": "2024-12-20",
						"pay_period_end": "2025-01-02",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 1081,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 920
					},
					{
						"pay_date": "2024-12-20",
						"pay_period_start": "2024-12-06",
						"pay_period_end": "2024-12-19",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 28081,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 23869
					},
					{
						"pay_date": "2024-12-06",
						"pay_period_start": "2024-11-22",
						"pay_period_end": "2024-12-05",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 27000,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 22949
					},
					{
						"pay_date": "2024-11-22",
						"pay_period_start": "2024-11-08",
						"pay_period_end": "2024-11-21",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 27000,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 22949
					},
					{
						"pay_date": "2024-11-08",
						"pay_period_start": "2024-10-25",
						"pay_period_end": "2024-11-07",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 25919,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 22029
					},
					{
						"pay_date": "2024-10-25",
						"pay_period_start": "2024-10-11",
						"pay_period_end": "2024-10-24",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 24838,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 21109
					},
					{
						"pay_date": "2024-10-11",
						"pay_period_start": "2024-09-27",
						"pay_period_end": "2024-10-10",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 23757,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 20189
					},
					{
						"pay_date": "2024-09-27",
						"pay_period_start": "2024-09-13",
						"pay_period_end": "2024-09-26",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 22676,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 19269
					},
					{
						"pay_date": "2024-09-13",
						"pay_period_start": "2024-08-30",
						"pay_period_end": "2024-09-12",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 21595,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 18349
					},
					{
						"pay_date": "2024-08-30",
						"pay_period_start": "2024-08-16",
						"pay_period_end": "2024-08-29",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 20514,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 17429
					},
					{
						"pay_date": "2024-08-16",
						"pay_period_start": "2024-08-02",
						"pay_period_end": "2024-08-15",
						"hours_worked": 80.0,
						"gross_total_earnings_amount_current": 1081,
						"gross_total_earnings_amount_ytd": 19433,
						"net_total_earnings_amount_current": 920,
						"net_total_earnings_amount_ytd": 16509
					}
				]
			}
		]
	},
	"documents": [
		// Applicant uploaded 1 document for one income source for income verification
		{
			"source_id": "NOVA_DOCUMENT",
			"source_uuid": "d5e6f789-0123-4456-889a-bcdef0123456",
			"document_type": "DOCUMENT",
			"document_id": "c4d5e6f7-8901-4234-8678-9abcdef01234",
			"available_date": null,
			"source_filepath": "e1f2a3b4-5c6d-4890-abcd-ef1234567890/e6f78901-2345-4678-9abc-def012345678.pdf"
		},
		// Applicant has paystubs from one payroll account for income verification
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "b3c4d5e6-7f80-4012-8456-789abcdef012",
			"document_type": "PAYSTUB",
			"document_id": "f7890123-4567-489a-bcde-f01234567890",
			"available_date": "2025-08-15",
			"source_filepath": "e1f2a3b4-5c6d-4890-abcd-ef1234567890/b3c4d5e6-7f80-4012-8456-789abcdef012_001.pdf"
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "b3c4d5e6-7f80-4012-8456-789abcdef012",
			"document_type": "PAYSTUB",
			"document_id": "89012345-6789-4bcd-ef01-234567890123",
			"available_date": "2025-08-01",
			"source_filepath": "e1f2a3b4-5c6d-4890-abcd-ef1234567890/b3c4d5e6-7f80-4012-8456-789abcdef012_002.pdf"
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "b3c4d5e6-7f80-4012-8456-789abcdef012",
			"document_type": "PAYSTUB",
			"document_id": "90123456-789a-4cde-f012-3456789abcde",
			"available_date": "2025-07-18",
			"source_filepath": "e1f2a3b4-5c6d-4890-abcd-ef1234567890/b3c4d5e6-7f80-4012-8456-789abcdef012_003.pdf"
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "b3c4d5e6-7f80-4012-8456-789abcdef012",
			"document_type": "PAYSTUB",
			"document_id": "01234567-89ab-4def-0123-456789abcdef",
			"available_date": "2025-07-04",
			"source_filepath": "e1f2a3b4-5c6d-4890-abcd-ef1234567890/b3c4d5e6-7f80-4012-8456-789abcdef012_004.pdf"
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "b3c4d5e6-7f80-4012-8456-789abcdef012",
			"document_type": "PAYSTUB",
			"document_id": "12345678-9abc-4ef0-1234-56789abcdef0",
			"available_date": "2025-06-20",
			"source_filepath": "e1f2a3b4-5c6d-4890-abcd-ef1234567890/b3c4d5e6-7f80-4012-8456-789abcdef012_005.pdf"
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "b3c4d5e6-7f80-4012-8456-789abcdef012",
			"document_type": "PAYSTUB",
			"document_id": "23456789-abcd-4f01-2345-6789abcdef01",
			"available_date": "2025-06-06",
			"source_filepath": "e1f2a3b4-5c6d-4890-abcd-ef1234567890/b3c4d5e6-7f80-4012-8456-789abcdef012_006.pdf"
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "b3c4d5e6-7f80-4012-8456-789abcdef012",
			"document_type": "PAYSTUB",
			"document_id": "3456789a-bcde-4012-3456-789abcdef012",
			"available_date": "2025-05-23",
			"source_filepath": "e1f2a3b4-5c6d-4890-abcd-ef1234567890/b3c4d5e6-7f80-4012-8456-789abcdef012_007.pdf"
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "b3c4d5e6-7f80-4012-8456-789abcdef012",
			"document_type": "PAYSTUB",
			"document_id": "456789ab-cdef-4123-4567-89abcdef0123",
			"available_date": "2025-05-09",
			"source_filepath": "e1f2a3b4-5c6d-4890-abcd-ef1234567890/b3c4d5e6-7f80-4012-8456-789abcdef012_008.pdf"
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "b3c4d5e6-7f80-4012-8456-789abcdef012",
			"document_type": "PAYSTUB",
			"document_id": "56789abc-def0-4234-5678-9abcdef01234",
			"available_date": "2025-04-25",
			"source_filepath": "e1f2a3b4-5c6d-4890-abcd-ef1234567890/b3c4d5e6-7f80-4012-8456-789abcdef012_009.pdf"
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "b3c4d5e6-7f80-4012-8456-789abcdef012",
			"document_type": "PAYSTUB",
			"document_id": "6789abcd-ef01-4345-6789-abcdef012345",
			"available_date": "2025-04-11",
			"source_filepath": "e1f2a3b4-5c6d-4890-abcd-ef1234567890/b3c4d5e6-7f80-4012-8456-789abcdef012_010.pdf"
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "b3c4d5e6-7f80-4012-8456-789abcdef012",
			"document_type": "PAYSTUB",
			"document_id": "789abcde-f012-4456-789a-bcdef0123456",
			"available_date": "2025-03-28",
			"source_filepath": "e1f2a3b4-5c6d-4890-abcd-ef1234567890/b3c4d5e6-7f80-4012-8456-789abcdef012_011.pdf"
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "b3c4d5e6-7f80-4012-8456-789abcdef012",
			"document_type": "PAYSTUB",
			"document_id": "89abcdef-0123-4567-89ab-cdef01234567",
			"available_date": "2025-03-14",
			"source_filepath": "e1f2a3b4-5c6d-4890-abcd-ef1234567890/b3c4d5e6-7f80-4012-8456-789abcdef012_012.pdf"
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "b3c4d5e6-7f80-4012-8456-789abcdef012",
			"document_type": "PAYSTUB",
			"document_id": "9abcdef0-1234-4678-9abc-def012345678",
			"available_date": "2025-02-28",
			"source_filepath": "e1f2a3b4-5c6d-4890-abcd-ef1234567890/b3c4d5e6-7f80-4012-8456-789abcdef012_013.pdf"
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "b3c4d5e6-7f80-4012-8456-789abcdef012",
			"document_type": "PAYSTUB",
			"document_id": "abcdef01-2345-4789-abcd-ef0123456789",
			"available_date": "2025-02-14",
			"source_filepath": "e1f2a3b4-5c6d-4890-abcd-ef1234567890/b3c4d5e6-7f80-4012-8456-789abcdef012_014.pdf"
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "b3c4d5e6-7f80-4012-8456-789abcdef012",
			"document_type": "PAYSTUB",
			"document_id": "bcdef012-3456-489a-bcde-f01234567890",
			"available_date": "2025-01-31",
			"source_filepath": "e1f2a3b4-5c6d-4890-abcd-ef1234567890/b3c4d5e6-7f80-4012-8456-789abcdef012_015.pdf"
		}
	]
}

Partial report

In this example, the applicant dropped off before finishing the entire process:

{
	"meta": {
		"public_token": "65bf7135-4eb8-4342-a7c2-0380322b3d59",
		"user_args": null,
		"created_at": "2025-02-07T23:10:51.987Z",
		"api_version": "1.0.0",
		"external_id": null,
		"status": "SUCCESS",
		"substatus": null,
		"nova_report_revision": null,
		"consumer_id": "b281e335-9d19-4aa7-b559-e74d08a05cf4",
		"consumer_external_id": "472cbdc9-cf31-4117-a095-e27e2db054e5"
	},
	"product": {
		"name": "Village Communities",
		"product_id": "12d1e755-3d82-445d-84e6-b67b5ff7c70d",
		"inquiry_type": "TENANT"
	},
	"stated_employers": [
		{
			"name": "Walmart",
			"input_method": "CONSUMER_INPUT",
			"verification_sources": [
				{
					"source_id": "USA_ARGYLE",
					"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
					"source_type": "PAYROLL",
					"status": "SUCCESS",
					"substatus": null
				}
			]
		},
		// Applicant dropped off before verifying this income source
		{
			"name": "Social Security",
			"input_method": "CONSUMER_INPUT",
			"verification_sources": []
		}
	],
	"identities": [
		{
			"source_id": "CONSUMER_INPUT",
			"source_uuid": null,
			"first_name": "Raymond",
			"last_name": "Marshal",
			"full_name": "Raymond Marshal",
			"emails": ["raymond@email.com"],
			"matching": {
				"full_name": {
					"matched_sources": [
						{
							"source_id": "USA_AKOYA",
							"source_uuid": "753c4285-9331-4502-b02b-5064904f33ce"
						},
						{
							"source_id": "USA_FIN",
							"source_uuid": "550e8400-e29b-41d4-a716-446655440000"
						},
						{
							"source_id": "USA_ARGYLE",
							"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479"
						}
					],
					"unmatched_sources": []
				}
			}
		},
		{
			"source_id": "USA_AKOYA",
			"source_uuid": "753c4285-9331-4502-b02b-5064904f33ce",
			"first_name": null,
			"last_name": null,
			"full_name": "RAYMOND MARSHAL",
			"emails": []
		},
		{
			"source_id": "USA_FIN",
			"source_uuid": "550e8400-e29b-41d4-a716-446655440000",
			"first_name": null,
			"last_name": null,
			"full_name": "RAYMOND MARSHAL",
			"emails": []
		},
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
			"first_name": null,
			"last_name": null,
			"full_name": "RAYMOND J MARSHAL",
			"emails": []
		}
	],
	"employment": [
		{
			"source_id": "USA_ARGYLE",
			"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
			"employer_name": "Walmart, Inc.",
			"employer_address_line_1": "702 SW 8th Street",
			"employer_address_line_2": null,
			"employer_city": "Bentonville",
			"employer_state": "Arkansas",
			"employment_type": "parttime",
			"employment_status": "active",
			"job_title": "Cashier",
			"hire_date": "2023-03-01",
			"termination_date": null,
			"base_pay_period": "SALARY",
			"base_pay_amount": 133000.22,
			"matching": {
				"employer_name": {
					"matched_employer_name": [
						{
							"stated_employer": "Walmart"
						}
					],
					"unmatched_employer_name": []
				},
				"direct_deposit_accounts": {
					"matched_direct_deposit_accounts": [
						{
							"matched_account_id": "fd058f61-56d3-4150-ad9f-ff899b55f799",
							"truncated_account_number": "475462",
							"institution_name": "Chase"
						}
					],
					"unmatched_direct_deposit_accounts": []
				}
			}
		}
	],
	"assets": {
		"account_details": [
			{
				"source_id": "USA_AKOYA",
				"source_uuid": "753c4285-9331-4502-b02b-5064904f33ce",
				"account_id": "fd058f61-56d3-4150-ad9f-ff899b55f799",
				"owner_full_name": "RAYMOND MARSHAL",
				"institution_name": "Chase",
				"account_name": "Checking Account",
				"account_type": "CASH_EQUIVALENT",
				"date_first_transaction": "2020-01-27",
				"last_statement_end_date": null,
				"truncated_account_number": "475462",
				"responsibility": "INDIVIDUAL",
				"addresses": [
					{
						"address_id": "6d4d5fff-25ee-4ba0-8247-9bc75b900378",
						"address": "5445 ALTON PKWY IRVINE CA 92614",
						"street": null,
						"city": null,
						"zipcode": null,
						"state": null
					}
				],
				"current_balance": 577.63,
				"six_months_average_balance": 432.55,
				"twelve_months_income_from_assets": 12.61
			},
			{
				"source_id": "USA_FIN",
				"source_uuid": "550e8400-e29b-41d4-a716-446655440000",
				"account_id": "738a6d6e-23be-40c8-a236-39c5659a09a1",
				"owner_full_name": "RAYMOND MARSHAL",
				"institution_name": "Alpine Bank",
				"account_name": "Checking Account",
				"account_type": "CASH_EQUIVALENT",
				"date_first_transaction": "2025-02-27",
				"last_statement_end_date": null,
				"truncated_account_number": "47205726",
				"responsibility": null,
				"addresses": [
					{
						"address_id": "6d4d5fff-25ee-4ba0-8247-9bc75b900378",
						"address": "5445 ALTON PKWY IRVINE CA 92614",
						"street": null,
						"city": null,
						"zipcode": null,
						"state": null
					}
				],
				"current_balance": 643.78,
				"six_months_average_balance": 337.54,
				"twelve_months_income_from_assets": 11.67
			}
		],
		"inflows": [
			{
				"inflow_id": "f3f0d372-a0f7-402f-835e-67ce6db2a75f",
				"account_id": "fd058f61-56d3-4150-ad9f-ff899b55f799",
				"description": "walmart irvine superstore",
				"deposited_annual_income": 10296,
				"deposited_recent_income": 7696
			},
			{
				"inflow_id": "2c5ea4c0-4067-11e9-8bad-9b1deb4d3b7d",
				"account_id": "fd058f61-56d3-4150-ad9f-ff899b55f799",
				"description": "soc secur treas XXX",
				"deposited_annual_income": 12345,
				"deposited_recent_income": 12345
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						"pay_date": "2024-09-16",
						"pay_period_start": "2024-09-09",
						"pay_period_end": "2024-09-15",
						"hours_worked": 40.0,
						"gross_total_earnings_amount_current": 198,
						"gross_total_earnings_amount_ytd": 594,
						"net_total_earnings_amount_current": 148,
						"net_total_earnings_amount_ytd": 444
					},
					{
						"pay_date": "2024-09-09",
						"pay_period_start": "2024-09-02",
						"pay_period_end": "2024-09-08",
						"hours_worked": 40.0,
						"gross_total_earnings_amount_current": 198,
						"gross_total_earnings_amount_ytd": 396,
						"net_total_earnings_amount_current": 148,
						"net_total_earnings_amount_ytd": 296
					},
					{
						"pay_date": "2024-09-02",
						"pay_period_start": "2024-08-26",
						"pay_period_end": "2024-09-01",
						"hours_worked": 40.0,
						"gross_total_earnings_amount_current": 198,
						"gross_total_earnings_amount_ytd": 198,
						"net_total_earnings_amount_current": 148,
						"net_total_earnings_amount_ytd": 148
					}
				]
			}
		],
		"documents": [
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "cf0fa8ef-a79e-4e2a-a829-3a9a61db66e3",
				"available_date": "2025-08-25",
				"source_filepath": "cf0fa8ef-a79e-4e2a-a829-3a9a61db66e3/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "7f3e9c82-4d5a-4b8e-9f2c-1a6b8e4d7c3f",
				"available_date": "2025-08-18",
				"source_filepath": "7f3e9c82-4d5a-4b8e-9f2c-1a6b8e4d7c3f/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"available_date": "2025-08-11",
				"source_filepath": "f47ac10b-58cc-4372-a567-0e02b2c3d479/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "6ba7b812-9dad-11d1-80b4-00c04fd430c8",
				"available_date": "2025-08-04",
				"source_filepath": "6ba7b812-9dad-11d1-80b4-00c04fd430c8/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "9d8c7b6a-5e4f-3210-abcd-ef9876543210",
				"available_date": "2025-07-28",
				"source_filepath": "9d8c7b6a-5e4f-3210-abcd-ef9876543210/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "1a2b3c4d-5e6f-7890-abcd-123456789abc",
				"available_date": "2025-07-21",
				"source_filepath": "1a2b3c4d-5e6f-7890-abcd-123456789abc/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "8f7e6d5c-4b3a-2190-fedc-ba9876543210",
				"available_date": "2025-07-14",
				"source_filepath": "8f7e6d5c-4b3a-2190-fedc-ba9876543210/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "fedcba98-7654-3210-9876-543210fedcba",
				"available_date": "2025-07-07",
				"source_filepath": "fedcba98-7654-3210-9876-543210fedcba/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "24681357-9bdf-ace0-2468-13579bdfac24",
				"available_date": "2025-06-30",
				"source_filepath": "24681357-9bdf-ace0-2468-13579bdfac24/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "97531246-8ace-0bdf-9753-1246acedbf97",
				"available_date": "2025-06-23",
				"source_filepath": "97531246-8ace-0bdf-9753-1246acedbf97/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "abcdef12-3456-7890-abcd-ef1234567890",
				"available_date": "2025-06-16",
				"source_filepath": "abcdef12-3456-7890-abcd-ef1234567890/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "1122aabb-ccdd-eeff-1122-aabbccddeeff",
				"available_date": "2025-06-09",
				"source_filepath": "1122aabb-ccdd-eeff-1122-aabbccddeeff/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "550e8400-e29b-41d4-a716-446655440000",
				"available_date": "2025-06-02",
				"source_filepath": "9988ffee-ddcc-bbaa-9988-ffeeddccbbaa/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "deadbeef-cafe-babe-dead-beefcafebabe",
				"available_date": "2025-05-26",
				"source_filepath": "deadbeef-cafe-babe-dead-beefcafebabe/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			},
			{
				"source_id": "USA_ARGYLE",
				"source_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
				"document_type": "PAYSTUB",
				"document_id": "c0ffee00-d00d-face-c0ff-ee00d00dface",
				"available_date": "2025-05-19",
				"source_filepath": "c0ffee00-d00d-face-c0ff-ee00d00dface/f47ac10b-58cc-4372-a567-0e02b2c3d479.pdf"
			}
		]
	},
	"application_completeness_checks": [
		{
			"check": "MISSING_DEPOSIT_ACCOUNTS_DETECTED",
			"value": false
		},
		{
			"check": "PRIMARY_ACCOUNT_NOT_DETECTED",
			"value": false
		},
		{
			"check": "VENMO_TRANSACTIONS_DETECTED",
			"value": true
		},
		{
			"check": "CASHAPP_TRANSACTIONS_DETECTED",
			"value": false
		},
		{
			"check": "ZELLE_TRANSACTIONS_DETECTED",
			"value": false
		},
		{
			"check": "PAYPAL_TRANSACTIONS_DETECTED",
			"value": false
		},
		{
			"check": "SKIPPED_INCOME",
			"value": true
		}
	]
}

Sandbox Environment

The sandbox environment provides a safe testing space to integrate and validate your implementation before going to production. This guide covers everything you need to know about testing in sandbox mode.

Overview

The sandbox environment allows you to:

• Access predefined test user profiles with different data scenarios
• Simulate various response states and error conditions
• Validate your webhook integration
• Test both assets and income sections of the AFH report

For general information about sandbox vs. production environments, see the Quickstart Guide.

Accessing Sandbox Reports

To retrieve a sandbox report, you must provide specific test user information through the NovaConnect widget's prefill functionality. The prefill data can match one of our predefined test profiles exactly. If the prefill data is different from the user profile you select in the UI, it will appear in unmatched_sources in the matching[] section of the report.

You could also prefill using a test email you have access to, that will help you go through the end-to-end user journey.

For sandbox testing, any address value can be passed in the required address field.

Required Information

Each test user requires the following prefill fields:

• firstName - The test user's first name
• lastName - The test user's last name
• dateOfBirth - Date of birth in YYYY-MM-DD format
• email - The test user's email address
• state - The test user's state

• statedEmployerNames - statedEmployerNames - The names of the applicant's current employers, with a minimum of 1 name and a maximum of 6 names

Learn more about implementing prefill in the Quickstart Guide.

User Profiles

We have one test user for the full E2E Eligibility Compass report flow, with a number of variations allowing for testing different scenarios.

Prefill information

• firstName - Annie
• lastName - Affordable
• dateOfBirth - 6/18/1995
• email - annie@email.com
• state - MO
• statedEmployerNames - Walmart, Uber, Social Security
  • NOTE: These are the three supported employers in sandbox. You may use any combination of the above stated employers as a prefill information. They can also be “added” in the flow.

Asset testing

When proceeding through the flow in sandbox mode, connect up to 6 Bank Connections / Bank Statement uploads.

If testing a bank connection is selected:

• Select a bank from the tiles available
• Select either "Annie" or "Simulate Error" to simulate a response

If you'd like to test bank statements:

• Type “abc testing bank” in the bank selector payroll
• Select “Try another method" (this will appear when there are no search results)
• Supply 6 total bank statements, with at least one bank statement with a filename that matches against a known test user:

Filename	Outcome
annie.pdf	Valid statement with normal transaction history
annie_detected.pdf	Statement with irregularities detected

Income testing

When proceeding through the flow in sandbox mode, for each stated employer you can choose to either verify with payroll or with documents.

If payroll is selected:

• Select a provider from the drop down
• Select either “Test User” or “Argyle Error” to simulate a response

If payroll is skipped and the user proceeds to document upload:

• Upload any document meeting the requirements
• Up to 4 documents can be uploaded for each income source

Simulating Error States

Expired Session

• Set lastName to expiresoon in the prefill data
• Result: Triggers an EXPIRED status in 5 minutes instead of the standard 5 days
• Use Case: Tests timeout handling, and allows for partial report generation

Supplier Unresponsive

To test a Supplier Unresponsive response for bank connections:

• Choose Mikomo Bank and click "Simulate Supplier Outage", or choose MX and click "Simulate Supplier Unresponsive"
• Result: Triggers a SUPPLIER_UNRESPONSIVE status for the corresponding bank connection
• Use Case: Test error handling for aggregator connection failures

To test a Supplier Unresponsive response during income verification:

• In the Argyle Simulator, click on "Argyle Supplier Unresponsive" button
• Result: Triggers a SUPPLIER_UNRESPONSIVE status for the corresponding payroll connection
• Use Case: Test error handling for payroll connection failures

Webhooks

Webhooks are the mechanism that Nova Credit uses to inform you of core initialization and completion steps for each NovaConnect widget interaction. A session is initialized when the NovaConnect widget is opened. One session can consist of multiple suppliers, and these supplier-flow outcomes are recorded and attached to the webhook body in the history node.

We make a POST API call to the webhook callback URL that you provide. Webhooks can be managed in the Developer tab on the Nova Credit Dashboard, where you must set your callback URL and can toggle your various event subscriptions on and off. Some events or statuses are subscribed to by default.

Webhook Event Types

Each Webhook API call will contain one of the event types listed below in the JSON body:

Event Type	Description
VISIT	A single NovaConnect widget interaction, which can consist of multiple suppliers. Only one terminal status outcome is sent per widget open; other supplier-flow outcomes are recorded and attached to the webhook in the history node
REGENERATED_VISIT	Only occurs for reports that have been regenerated. This event type also includes a novaReportRevision in the webhook body.

Webhook Status Codes

View the status table to see the full list of statuses, with the "Webhook" column representing which ones correspond to a webhook call.

Webhook Body

Webhook Body Key	Description
eventType	Event Type (see event type table above) corresponding to this webhook
status	Status (see status code table above) corresponding to this webhook
substatus	A more detailed status. See substatus types
publicToken	Unique UUID associated with this status, which can be used to retrieve the Nova Credit report
externalId	Optional unique identifier passed in by the Nova Credit customer (you) with this application. This key will only be present if externalId was passed in
userArgs	Optional string passed in by the Nova Credit customer (you) with this application. This key will only be present if userArgs was passed in
eventId	Unique ID for the webhook
eventCreatedTime	Webhook event timestamp
reportType	The type of Nova Credit report.
consumerId	Unique identifier of the consumer associated with this status. Only returned if NovaConnect Consumer Endpoints BETA feature is enabled.
consumerExternalId	Optional unique identifier from your system of the consumer associated with this status. Only returned if NovaConnect Consumer Endpoints BETA feature is enabled.

Example:

{
	eventType: 'VISIT',
	status: 'SUCCESS',
	publicToken: '6b986690-458b-11e7-98fb-a71570ea65a6',
	externalId: '25ad7063-fe76-437a-b4d8-3662ba4cc9c7',
	userArgs: '235234224',
	eventId: '028d9354-3991-46c4-97df-bd6c2ff09733',
	eventCreatedTime: '2025-09-26T33:15:23.17Z',
	reportType: 'Eligibility Compass',
	consumerId: 'b281e335-9d19-4aa7-b559-e74d08a05cf4',
	consumerExternalId: '472cbdc9-cf31-4117-a095-e27e2db054e5'
}

Webhook Failures

When a webhook fails we retry posting with an exponential increase in the time between each attempt. For example, the first retry happens after 1 second, the second after 2 seconds etc.

Number of Attempts	Time Until Retry if Unsuccessful
1	1 second
2	2 seconds
3	4 seconds
4	8 seconds
...	...

This strategy allows for several retries within a few minutes but expands to daily retries in the case of an outage, allowing customers to restore before receiving the callback. However, if a callback is still unsuccessful after one week we do not continue retrying.

For more information, please visit the server integration section in our Quickstart Guide.

Webhook Signature

Nova Credit optionally signs webhook payloads in order to allow for trust verification of inbound webhook requests.

When configured, the webhook request will contain these additional headers:

Header	Value
X-Timestamp	timestamp of request generation
X-Nova-Signature	SHA256 HMAC digest of request timestamp and payload, period-delimited. Your Webhook Signatures Secret Key is found under the Webhooks section on the Developer tab of your Nova Credit Dashboard.

Please contact your Nova Credit account manager to enable this feature.

Example verification of signature:

const crypto = require('crypto');

const signature = req.get('X-Nova-Signature');
const timestamp = req.get('X-Timestamp');

const checkPayload = `${timestamp}.${JSON.stringify(req.body)}`;
const checkDigest = crypto.createHmac('sha256', '< webhook secret key >')
	.update(checkPayload)
	.digest('base64');

return crypto.timingSafeEquals(signature, checkDigest);

For more information, please visit the server integration section in our Quickstart Guide.

Error Codes & Responses

At Nova Credit, we distinguish between two status message deliveries:

1. Delivered by Nova Credit to the webhook
2. If you call a resource endpoint Nova Credit provides a status in the response

Resource Endpoint Errors

When an error occurs while calling the endpoints the Nova Credit servers send back a JSON object with the following format:

{
	"error": "UNKNOWN_CUSTOMER",
	"terminated": true
}

Error Codes

The Nova Credit endpoints return the following HTTP status codes and error messages:

HTTP Status Code	Error	Description
200	-	The request was successful.
400	MALFORMED_HEADERS	The request headers are incorrectly formatted.
400	MISSING_INPUT	An input is missing that the endpoint expected.
400	INVALID_PUBLIC_ID	The public ID is not valid.
401	EXPIRED_TOKEN	The access_token you're sending in the request headers has expired. Please request a new one.
403	UNKNOWN_CUSTOMER	The public_id or client_id Nova Credit received in the request from is not recognized. Check your credentials in the Nova Credit Dashboard.
403	UNAUTHORIZED	The client_id and secret_key combination is not recognized. Check your credentials in the Nova Credit Dashboard.
403	ORIGIN_UNAUTHORIZED	The origin of the request is not whitelisted on the Nova Credit servers for CORS.
404	INVALID_EXTERNAL_ID	The external ID is not valid.
404	INVALID_TOKEN	The public_token or access_token is not valid for reasons other than expiration.
408	REQUEST_TIMEOUT	The request timed out.
500	INTERNAL_ERROR	Something went wrong. Please send a note to your Nova Credit Representative with additional details so we can investigate.

Changelog

We're always working to improve the Nova Credit platform! Here's a snapshot of API features we're shipping and bugs we're squashing.

2026 January

• Added hours_worked field to income.payroll.statements

2025 December

• Updated descriptions for employment fields: base_pay_period, base_pay_amount, and termination_date
  • Clarified that base_pay_rate and base_pay_period can be null
• Updated descriptions for income.payroll fields: annual_gross_income and annual_net_income
• Renamed "pay_period" table to base_pay_period to match the field name
• Added "available_date" field to documents
• Add E_BANKING_NOT_SUPPORTED substatus for errors when connected institution doesn't support e-banking features
• Added direct_deposit_accounts node to employment
  • Updated report samples to also include direct_deposit_accounts node

2025 November

• Rename docs from "Affordable Housing" to "Eligibility Compass"
• Updated reportType in webhook example to "Eligibility Compass"
• Renamed 6_month_average_balance to six_months_average_balance in assets.account_details
• Renamed 12_month_income_from_assets to twelve_months_income_from_assets in assets.account_details
• Updated the maximum number of documents that can be uploaded for each income source to 4 in Income testing
• Updated example in identities to have one bank source and one payroll source
• Populated Sandbox - Asset testing section
• Added Simulating Error States - Supplier Unresponsive
• Updates to employment fields:
  • Added base_pay_period, base_pay_amount, and termination_date
  • Removed estimated_hire_date
• Updates to income.payroll fields:
  • Added annual_gross_income and annual_net_income
  • Removed estimated_gross_annual_income and estimated_net_annual_income
• Added values to (pay_frequency)[#tables-pay_frequency]: SEMI_MONTHLY, MONTHLY, QUARTERLY
• Added pay_period table
• Add institution to assets.failed_connections
• Add 'calendar_summary' to income.payroll

2025 October

• Fixed examples in employment and identities
• Added SKIPPED to statuses
• Added BENEFIT to document_type, which is returned when applicant connects a benefits provider
  • Updated Primary example
• Removed primary_account_detected from assets.account_details
• Added account_id to assets.inflows node
• Added consumer_id and consumer_external_id to report meta
• Added consumerId and consumerExternalId to webhook body
• Updated the description of the status NOT_AUTHENTICATED
• Added MFA_REQUIRED_ON_FETCH and INCOMPATIBLE_ACCOUNT_TYPES_SUBMITTED as substatuses under NOT_AUTHENTICATED
• Removed INCOMPATIBLE_ACCOUNT_TYPES_SUBMITTED as substatuses under ERROR
• Added gig specific compute fields to income

2025 September

• Initial documentation created