TABLE OF CONTENTS
Overview
Grain: One row per application snapshot | Foreign key: application_id → loan_applications.id
Contains the computed underwriting metrics captured at decision time. Fields span income and expense amounts, debt and LTV ratios, credit exposure balances across account types, and per-metric policy threshold values and evaluation outcomes.
Delivery folders: las_underwriting_metrics-1-day and las_underwriting_metrics-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
- Amount fields are in USD per month or total USD balance. Ratio fields are decimals (0.42 = 42%).
- Threshold and status fields are recorded per metric at decision time to support audit and policy review.
- Three summary ratios are also available in the decisions table for convenience:
debt_to_income=dti_before,payment_to_income=pti, andvehicle_ltv=front_end_ltv. - LTV fields apply to vehicle products only and are null otherwise. Ratio fields are null when income was not available.
Data Dictionary
| Field Name | Description | Example | Required? |
|---|---|---|---|
application_id | UUID: foreign key to loan_applications. | a1b2c3d4-e5f6-7890-abcd-ef1234567890 | Yes |
monthly_gross_income | Decimal: sum of qualifying gross income across all applicants, USD per month. | 7083.33 | No |
monthly_debt_expense_before | Decimal: sum of minimum tradeline payments (existing obligations, before the new loan), USD per month. | 1250.00 | No |
monthly_debt_expense_after | Decimal: sum of tradeline payments including the new loan payment, USD per month. | 1727.53 | No |
monthly_housing_expense | Decimal: rent or mortgage principal and interest, plus taxes and insurance, USD per month. | 1800.00 | No |
monthly_total_expense_before | Decimal: total monthly obligations (debt plus housing plus other) before the new loan, USD. | 3050.00 | No |
monthly_total_expense_after | Decimal: total monthly obligations including the new loan payment, USD. | 3527.53 | No |
amount_to_live_on_before | Decimal: residual disposable income before the new loan (gross income minus total expense before), USD. | 4033.33 | No |
amount_to_live_on_after | Decimal: residual disposable income with the new loan factored in (gross income minus total expense after), USD. | 3555.80 | No |
dti_before | Decimal: debt-to-income ratio before the new loan (debt expense before divided by gross income). Null if income unavailable. | 0.1765 | No |
dti_after | Decimal: debt-to-income ratio including the new loan (debt expense after divided by gross income). | 0.2439 | No |
pti | Decimal: payment-to-income: new loan monthly payment divided by monthly gross income. | 0.0674 | No |
credit_utilization_before | Decimal: revolving balance divided by revolving credit limit, before the new loan. | 0.31 | No |
credit_utilization_after | Decimal: revolving balance divided by revolving credit limit, after the new loan. | 0.31 | No |
front_end_ltv | Decimal: loan amount divided by collateral value. Vehicle products only; null for non-vehicle. | 0.85 | No |
back_end_ltv | Decimal: loan plus GAP, warranty, tax, and fees, divided by collateral value. Vehicle products only; null for non-vehicle. | 0.92 | No |
total_lending_balance_before | Decimal: sum of all tradeline balances across all open accounts. | 185000.00 | No |
total_revolving_balance_before | Decimal: sum of revolving (credit card) tradeline balances. | 4200.00 | No |
total_unsecured_balance_before | Decimal: sum of unsecured loan balances. | 9500.00 | No |
total_mortgage_balance_before | Decimal: sum of real estate and mortgage tradeline balances. | 160000.00 | No |
total_automobile_balance_before | Decimal: sum of auto loan tradeline balances. | 11300.00 | No |
dti_threshold | Decimal: configured DTI policy limit at decision time. | 0.45 | No |
dti_status | Enum: DTI policy evaluation result: pass / warn / fail | pass | No |
pti_threshold | Decimal: configured PTI policy limit at decision time. | 0.15 | No |
pti_status | Enum: PTI policy evaluation result: pass / warn / fail | pass | No |
back_end_ltv_threshold | Decimal: configured back-end LTV policy limit at decision time. Null for non-vehicle products. | 1.10 | No |
back_end_ltv_status | Enum: back-end LTV policy evaluation result: pass / warn / fail | pass | No |
How This Table Joins to the Others
application_id→loan_applications.id(one snapshot row per application).
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