TABLE OF CONTENTS
Overview
Grain: One row per participant | Primary key: id
The applicants on each application: always a PRIMARY participant, and optionally a CO_APPLICANT. Filter on role to separate them. Joins to loan_applications via application_id.
Delivery folders: stp_participants-1-day and stp_participants-30-day
This article covers one table. For delivery details, ingestion guidance, the full table relationship diagram, and the export FAQ, see Data Exports: Clutch Lending STP.
Things to Know About This Table
- This table carries compliance screening flags only. It does not contain participant personal information (name, address, SSN, contact details).
mla_statusandofac_statusare delivered in lowercase and are blank until the corresponding check has run.- If a participant has more than one active self-declared affiliation, only one
insider_affiliation_typeis delivered, using this precedence: senior_management, director, board_member, employee, committee_member. Affiliations of family members are not considered. insider_affiliation_typeis populated only if the participant has an active self-declared affiliation with your credit union; it is null otherwise.
Data Dictionary
| Field Name | Description | Example | Required? |
|---|---|---|---|
id | UUID: unique participant record identifier. Primary key; decisions.participant_id points here. | c3d4e5f6-a7b8-9012-cdef-123456789012 | Yes |
application_id | UUID: the application this participant belongs to. Join key to loan_applications.id. | a1b2c3d4-e5f6-7890-abcd-ef1234567890 | Yes |
partner_id | UUID: your credit union identifier. All exported records are scoped to this value. | 550e8400-e29b-41d4-a716-446655440000 | Yes |
role | Enum: applicant role, in lowercase: primary or co_applicant. | primary | Yes |
mla_status | String: result of the Military Lending Act (MLA) check, in lowercase (for example not_active_military, active_military). Blank until the check has run. | not_active_military | No |
ofac_status | String: result of the OFAC screening, in lowercase (for example no_match, error). Blank until the screening has run. | no_match | No |
insider_affiliation_type | Enum: insider affiliation of the participant, if they have an active self-declared affiliation: employee / board_member / senior_management / director / committee_member. Null otherwise. | employee | No |
created_on | Timestamp: when the record was created. | 2026-06-10T18:08:32Z | Yes |
updated_on | Timestamp: when the record was last modified. Use it to keep the latest version of each record when ingesting. | 2026-06-12T09:15:00Z | Yes |
How This Table Joins to the Others
- Joins to
loan_applications:application_idmatchesloan_applications.id. One row per applicant, so an application with a co-applicant has two rows. decisions.participant_idmatches this table'sid.
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