TABLE OF CONTENTS
Overview
Grain: One row per participant per application (latest final decision) | Primary key: id | Foreign key: application_id → loan_applications.id, participant_id → participants.id
The latest final decision for each applicant, with the credit snapshot used to make it.
Delivery folders: las_decisions-1-day and las_decisions-30-day
This article covers one table. For delivery options, ingestion guidance, the full table relationship diagram, and the export FAQ, see Data Exports: Clutch Lending LOS (LAS).
Things to Know About This Table
- Credit score, bureau, and ratio fields (DTI, LTV, PTI) come from Clutch's credit and underwriting infrastructure and are null for applications where a credit pull was not performed.
reasonsandcredit_score_factorssupport adverse action notices. Usecreated_onas the decision date.- For the full underwriting picture behind these summary ratios, see the underwriting_metrics table.
secondary_scoreandsecondary_score_modelare delivered afterupdated_on, at the end of each row.
Data Dictionary
| Field Name | Description | Example | Required? |
|---|---|---|---|
id | UUID: unique decision record identifier. | 3f8e7d6c-5b4a-4938-8271-6e5d4c3b2a19 | Yes |
application_id | UUID: foreign key to loan_applications. | a1b2c3d4-e5f6-7890-abcd-ef1234567890 | Yes |
partner_id | UUID: your credit union identifier. | 550e8400-e29b-41d4-a716-446655440000 | Yes |
participant_id | UUID: foreign key to participants, identifies which applicant this decision applies to. | 9b2d5e12-3c4f-4a8b-9d6e-1f2a3b4c5d6e | Yes |
assignee_id | String: staff user ID of the underwriter at decision time. Null for fully automated decisions. | usr_8f2a91 | No |
decision | Enum: final outcome: APPROVED / DECLINED / MANUAL_REVIEW | APPROVED | Yes |
reasons | String array: array of reason codes or plain-text reasons. For adverse action notices, join with semicolons. | ["DTI too high", "Low score"] | No |
source | Enum: decision origin: ENGINE (automated) or MANUAL (underwriter override) | ENGINE | Yes |
user_id | String: underwriter user ID. Null for ENGINE decisions. | usr_8f2a91 | No |
credit_bureau | Enum: credit bureau used: EFX (Equifax) / TU (TransUnion) / EX (Experian). Null if no credit pull. | TU | No |
credit_score | Integer: numeric credit score used at decision time. Null if no pull. | 720 | No |
credit_score_factors | String array: score factor descriptions from the bureau. For adverse action notices. | ["Proportion of balances to credit limits"] | No |
credit_score_date | Date: date the credit report was pulled. Null if no pull. | 2026-06-10 | No |
debt_to_income | Decimal: debt-to-income ratio excluding this loan (0.4537 = 45.37%). Null if income not provided. | 0.4537 | No |
vehicle_ltv | Decimal: loan-to-value ratio for vehicle products. Null for non-vehicle products. | 0.85 | No |
payment_to_income | Decimal: monthly payment divided by gross monthly income. Null if income not provided. | 0.12 | No |
created_on | Timestamp: when the decision was recorded. Use as the decision date for adverse action notices. | 2026-06-11T10:15:00Z | Yes |
updated_on | Timestamp: when the decision record was last modified. | 2026-06-11T10:15:00Z | Yes |
secondary_score | Integer: a supplementary credit score used alongside credit_score when one is available. Null if there is none. | 735 | No |
secondary_score_model | String: the name of the scoring model behind secondary_score, as reported by the credit bureau. Null if there is no secondary score. | (model name as reported by the bureau) | No |
How This Table Joins to the Others
application_id→loan_applications.id.participant_id→participants.id(identifies which applicant the decision applies to).
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