Bulk import loans via MISMO 3.4

The single-loan import endpoint is the recommended bulk path. It's idempotent on payload fingerprint (SHA-256), so retries are free. Rate-limit yourself with a small concurrency pool so you don't stampede api-service.

import pLimit from "p-limit";

const limit = pLimit(8);
const files = await fs.readdir("./loans");
const results = await Promise.all(
  files.map((f) =>
    limit(async () => {
      const xml = await fs.readFile(`./loans/${f}`, "utf-8");
      const res = await fetch(
        "https://api.ratestack.com/v1/loans/import?ownerUserId=" +
          encodeURIComponent(OWNER) +
          "&importedByUserId=" + encodeURIComponent(ME) +
          "&sourceSystem=encompass",
        {
          method: "POST",
          headers: {
            "X-API-Key": KEY,
            "Content-Type": "application/xml",
          },
          body: xml,
        },
      );
      return { file: f, status: res.status, body: await res.json() };
    }),
  ),
);
const failures = results.filter(r => r.status >= 400 && r.status !== 422);

422 responses (validation failures) are not retriable — the payload is malformed. Surface them to the operator. 5xx are retriable; the fingerprint protects against double-creation.