---
updatedAt: 2026-05-28T11:38:46.000Z
agentTools:
  projectIndex: https://developer.sivo.com/llms.txt
---

# Create Consumer Borrower

The first step in the Ignite process is to create a Consumer or Business Borrower. This is the endpoint to create a consumer borrower

# OpenAPI definition

```json
{
  "openapi": "3.0.3",
  "info": {
    "title": "Banking",
    "description": "SIVO public Api REST",
    "version": "0.0.1"
  },
  "x-amazon-apigateway-api-key-source": "AUTHORIZER",
  "servers": [
    {
      "url": "https://dev.sivo.com/v1",
      "description": "Sandbox server (user test data)"
    }
  ],
  "paths": {
    "/borrowers/consumers": {
      "post": {
        "summary": "Create Consumer Borrower",
        "description": "The first step in the Ignite process is to create a Consumer or Business Borrower. This is the endpoint to create a consumer borrower",
        "operationId": "postBorrowersConsumer",
        "tags": [
          "Borrowers"
        ],
        "requestBody": {
          "description": "Create a consumer",
          "content": {
            "application/json": {
              "schema": {
                "$ref": "#/components/schemas/consumerBorrower"
              }
            }
          },
          "required": true
        },
        "responses": {
          "200": {
            "description": "Successful operation",
            "content": {
              "application/json": {
                "schema": {
                  "$ref": "#/components/schemas/consumerBorrower"
                }
              }
            }
          },
          "405": {
            "description": "Invalid input"
          }
        },
        "security": [
          {
            "prod-sandbox-sivo-api-authorizer": [
              "aws.cognito.signin.user.admin"
            ]
          }
        ],
        "x-amazon-apigateway-integration": {
          "httpMethod": "POST",
          "type": "AWS_PROXY",
          "uri": "arn:aws:apigateway:us-east-2:lambda:path/2015-03-31/functions/${Token[TOKEN.2317]}:Alias/invocations"
        }
      }
    }
  },
  "components": {
    "schemas": {
      "text": {
        "type": "string",
        "minLength": 1
      },
      "countryIso3166Alpha2": {
        "type": "string",
        "description": "A country identifier in 2 uppercase letters. See [ISO-3166-Alpha2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)",
        "pattern": "^(?!UK$)[A-Z]{2}$"
      },
      "dateIso8601": {
        "type": "string",
        "description": "See [Dates and Times](https://developer.sivo.com/reference/dates-and-times) for details",
        "format": "date"
      },
      "bool": {
        "type": "boolean",
        "description": "A boolean value"
      },
      "emailAddress": {
        "type": "string",
        "description": "An email address",
        "format": "email"
      },
      "consumerBorrower": {
        "type": "object",
        "properties": {
          "id": {
            "$ref": "#/components/schemas/text",
            "description": "Unique identifier for the borrower."
          },
          "is_veteran": {
            "$ref": "#/components/schemas/bool"
          },
          "first_name": {
            "$ref": "#/components/schemas/text",
            "description": "First name of the consumer."
          },
          "last_name": {
            "$ref": "#/components/schemas/text",
            "description": "Last name of the consumer."
          },
          "address": {
            "$ref": "#/components/schemas/addressl49i"
          },
          "date_of_birth": {
            "$ref": "#/components/schemas/dateIso8601",
            "description": "Consumer Date of Birth. See [Dates and Times](https://developer.sivo.com/reference/dates-and-times) for details"
          },
          "country_code": {
            "$ref": "#/components/schemas/countryCode"
          },
          "phone": {
            "$ref": "#/components/schemas/phoneNumber"
          },
          "email": {
            "$ref": "#/components/schemas/emailAddress"
          },
          "credit_ranking": {
            "$ref": "#/components/schemas/creditRanking"
          }
        },
        "required": [
          "id",
          "is_veteran",
          "first_name",
          "last_name",
          "address",
          "date_of_birth",
          "email"
        ],
        "additionalProperties": false
      },
      "countryCode": {
        "type": "string",
        "description": "A phone country code",
        "pattern": "^[\\d-]+$"
      },
      "phoneNumber": {
        "$ref": "#/components/schemas/text",
        "description": "A phone number."
      },
      "creditRanking": {
        "$ref": "#/components/schemas/text",
        "description": "A credit score value that reflects creditworthiness of a borrower."
      },
      "addressl49i": {
        "type": "object",
        "properties": {
          "street": {
            "$ref": "#/components/schemas/text",
            "description": "[Street] - The street of the address.",
            "title": "Street"
          },
          "unit": {
            "type": "string",
            "description": "[Unit] - A unit or apartment number",
            "title": "Unit"
          },
          "city": {
            "$ref": "#/components/schemas/text",
            "description": "[City] - The city for this address.",
            "title": "City"
          },
          "state": {
            "$ref": "#/components/schemas/text",
            "description": "[State / Province] - The state or province for this address. Use 2-letter abbreviation for US and Canada.",
            "title": "State / Province"
          },
          "postal_code": {
            "$ref": "#/components/schemas/text",
            "description": "[Zip Code] - The zip code / postal code for this address.",
            "title": "Zip Code"
          },
          "country": {
            "$ref": "#/components/schemas/countryIso3166Alpha2",
            "description": "[Country] - The country for this address. A country identifier in 2 uppercase letters. See [ISO-3166-Alpha2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)",
            "title": "Country"
          }
        },
        "required": [
          "street",
          "city",
          "state",
          "postal_code",
          "country"
        ],
        "additionalProperties": false
      }
    },
    "securitySchemes": {
      "prod-sandbox-sivo-api-authorizer": {
        "type": "apiKey",
        "in": "header",
        "name": "Authorization",
        "x-amazon-apigateway-authtype": "cognito_user_pools",
        "x-amazon-apigateway-authorizer": {
          "type": "cognito_user_pools",
          "providerARNs": [
            "${Token[TOKEN.1762]}"
          ]
        }
      }
    }
  },
  "x-amazon-apigateway-minimum-compression-size": 0
}
```