A Letter of Explanation (LOE) is a document in which a borrower provides a written explanation to a lender or underwriter about specific information in their loan application or supporting documents that requires clarification.

To use the Upload PDF endpoint for this document, you must use LETTER_OF_EXPLANATION in the form_type parameter.

Field descriptions

The following fields are available on this document type:

JSON attribute	Data type	Description
`letter_of_explanation-general:letterOfExplanationtype`	`ADDRESS DISCREPANCY`, `ASSET`, `CREDIT INQUIRIES`, `DEROGATORY TRADELINES`, `EMPLOYMENT GAP`, `IDENTITY DISCREPANCY`, `INCOME TREND`, `PAST DUE ACCOUNTS`, `UNDISCLOSED DEBT`, `OTHER`	Letter of Explanation - Type

Sample document

Sample JSON result

{
  "pk": 76831471,
  "uuid": "89ba442f-1a7f-47fb-9599-d90d8a780167",
  "name": "Letter of explanation API",
  "created": "2026-08-04T13:49:03Z",
  "created_ts": "2026-08-04T13:49:03Z",
  "verified_pages_count": 1,
  "book_status": "ACTIVE",
  "id": 76831471,
  "forms": [
    {
      "pk": 111536251,
      "uuid": "5ac632d1-6bbc-4847-af0e-55755de3f2ea",
      "uploaded_doc_pk": 156357701,
      "form_type": "LETTER_OF_EXPLANATION",
      "form_config_pk": 3261727,
      "tables": [],
      "attribute_data": null,
      "raw_fields": {
        "letter_of_explanation-general:letterOfExplanationtype": {
          "value": "ASSET",
          "is_empty": false,
          "alias_used": null,
          "source_filename": "LETTER OF EXPLANATION.pdf",
          "confidence": 1.0
        }
      }
    }
  ],
  "book_is_complete": true
}