generated: '2026-08-05'
method: searched
source: https://support.withclutch.com/support/solutions (Clutch public knowledge base, Data Exports articles)
summary: Clutch publishes field-level data dictionaries for the five daily datasets it delivers to credit
  union customers over SFTP or the File Transfer API. This artifact captures those dictionaries verbatim
  from the public knowledge base and derives the entity graph that links them. No OpenAPI is published,
  so the graph is built from the documented identifier fields rather than from spec $refs.
delivery:
  channels:
  - SFTP
  - File Transfer API
  format: csv, pipe-delimited, double-quoted
  cadence: generated daily at 11:00 UTC
  retention: one week
  files_per_dataset: two CSVs — past 1 day and past 30 days, identical field structure
  reference: https://support.withclutch.com/support/solutions/articles/153000254486-data-exports-api-vs-sftp-delivery
  api_reference:
    url: https://support.withclutch.com/support/solutions/articles/153000248800
    http_status: 302
    access: customer support login required
entities:
- id: lending
  name: Lending
  primary_key: events_funnel_id
  field_count: 59
  source: https://support.withclutch.com/support/solutions/articles/153000248797-data-exports-lending
- id: account_opening
  name: Account Opening
  primary_key: application_id
  field_count: 64
  source: https://support.withclutch.com/support/solutions/articles/153000248799-data-exports-account-opening
- id: funding
  name: Funding
  primary_key: payment_transaction_id
  field_count: 12
  source: https://support.withclutch.com/support/solutions/articles/153000248795-data-exports-funding
- id: nacha
  name: NACHA
  primary_key: NACHA_FILE_ELIGIBLE_TRANSACTION_ID
  field_count: 24
  source: https://support.withclutch.com/support/solutions/articles/153000258789-data-exports-nacha
- id: hal
  name: HAL
  primary_key: hal_id
  field_count: 10
  source: https://support.withclutch.com/support/solutions/articles/153000258790-data-exports-hal
relationships:
- from: lending
  to: hal
  type: has_many
  via: application_id
  evidence: hal.application_id — "Matches the one in the lending export."
- from: account_opening
  to: funding
  type: has_many
  via: application_id
  evidence: both datasets carry application_id for the same account opening application
- from: account_opening
  to: funding
  type: has_one
  via: account_id
  evidence: account_id is documented in both account_opening and funding
- from: funding
  to: nacha
  type: has_many
  via: APPLICATION_ID
  evidence: nacha.APPLICATION_ID is the application identifier UUID carried through funding
- from: lending
  to: account_opening
  type: belongs_to
  via: user_id
  evidence: user_id is a UUID for the unique applicant in both datasets
- from: lending
  to: account_opening
  type: belongs_to
  via: session_id
  evidence: session_id represents a unique user session in both datasets
shared_identifiers:
- field: application_id
  datasets:
  - lending
  - account_opening
  - funding
  - hal
  - nacha (APPLICATION_ID)
- field: user_id
  datasets:
  - lending
  - account_opening
  - hal
- field: session_id
  datasets:
  - lending
  - account_opening
- field: account_id
  datasets:
  - account_opening
  - funding
- field: member_nr
  datasets:
  - lending
  - account_opening
  - funding
  - nacha (MEMBER_NUMBER)
- field: application_nr
  datasets:
  - lending
  - hal
  note: loan number in the LOS
json_schema:
  note: JSON Schema 2020-12 derived per dataset
  files:
  - withclutch-lending.json
  - withclutch-account-opening.json
  - withclutch-funding.json
  - withclutch-nacha.json
  - withclutch-hal.json
  index: json-schema/_index.yml
datasets:
- id: lending
  name: Lending
  description: Daily export of consumer loan origination sessions and applications, one row per funnel
    record.
  primary_key: events_funnel_id
  format: csv (pipe-delimited, double-quoted)
  cadence: daily
  source: https://support.withclutch.com/support/solutions/articles/153000248797-data-exports-lending
  field_count: 59
  fields:
  - name: session_id
    type: string
    description: 'String: an ID representing a unique user session. A session lasts up to 4 hours, or
      ends after 15 minutes of inactivity.'
    example: '123456789'
    required: true
  - name: application_id
    type: string
    description: 'String: an ID representing a unique application sent to the LOS.'
    example: 0030dbe4-ead5-4543-afa1-61d24688b4ef
    required: false
  - name: user_id
    type: string
    description: 'String: a UUID representing a unique user (the main applicant).'
    example: 0030dbe4-ead5-4543-afa1-61d24688b4ef
    required: false
  - name: applicant_name
    type: string
    description: 'String: the main applicant''s full name.'
    example: Jane Doe
    required: false
  - name: applicant_email
    type: string
    description: 'String: the main applicant''s email address.'
    example: jane.doe@example.com
    required: false
  - name: user_phone
    type: number
    description: 'Number: the main applicant''s phone number.'
    example: '1234567891'
    required: false
  - name: user_fico_score_range
    type: string
    description: 'String: the range in which the main applicant''s FICO score falls.'
    example: 450-500
    required: false
  - name: user_income_range
    type: string
    description: 'String: the range in which the main applicant''s self-declared annual income falls.'
    example: 100,000-150,000
    required: false
  - name: applicant_address
    type: string
    description: 'String: the main applicant''s address.'
    example: 123 Main St
    required: false
  - name: applicant_city
    type: string
    description: 'String: the main applicant''s city.'
    example: San Francisco
    required: false
  - name: applicant_state
    type: string
    description: 'String: the main applicant''s state.'
    example: CA
    required: false
  - name: applicant_zip_code
    type: string
    description: 'String: the main applicant''s zip code.'
    example: '12345'
    required: false
  - name: applicant_employer
    type: string
    description: 'String: the main applicant''s employer name.'
    example: Example Employer Inc.
    required: false
  - name: applicant_job_title
    type: string
    description: 'String: the main applicant''s job title.'
    example: Customer Success Manager
    required: false
  - name: application_category
    type: string
    description: 'String: the loan type the user applied for. Null if the application was dropped before
      selection.'
    example: VEHICLE ; PERSONAL ; CREDIT CARD
    required: false
  - name: credit_structure
    type: string
    description: 'String: whether the application is for a loan or a line of credit.'
    example: LOAN ; LINE OF CREDIT
    required: false
  - name: application_mode
    type: string
    description: 'String: whether the application is new or a refinance of an existing deal.'
    example: NEW ; REFINANCE
    required: false
  - name: collateral_type
    type: string
    description: 'String: the kind of collateral being used. Null if none.'
    example: NULL ; AUTO ; MOTORCYCLE ; CHECKING ACCOUNT
    required: false
  - name: application_nr
    type: number
    description: 'Number: the loan number in the LOS.'
    example: '1234'
    required: false
  - name: application_amnt
    type: number
    description: 'Number: the amount the user applied for.'
    example: $10,000.00
    required: false
  - name: experience_started_at
    type: timestamp
    description: 'Timestamp: date and time when the application started.'
    example: '2024-03-07 18:08:32.765'
    required: true
  - name: user_authenticated_at
    type: timestamp
    description: 'Timestamp: date and time when the user authenticated in the portal. Null if they didn''t.'
    example: '2024-03-07 18:08:32.765'
    required: false
  - name: application_started_at
    type: timestamp
    description: 'Timestamp: date and time when the user selected an application category. Null if they
      didn''t.'
    example: '2024-03-07 18:08:32.765'
    required: false
  - name: application_submitted_at
    type: timestamp
    description: 'Timestamp: date and time when the user submitted the application. Null if they didn''t.'
    example: '2024-03-07 18:08:32.765'
    required: false
  - name: application_confirmed_at
    type: timestamp
    description: 'Timestamp: date and time when the LOS received the application. Null if it didn''t.'
    example: '2024-03-07 18:08:32.765'
    required: false
  - name: record_last_updated_at
    type: timestamp
    description: 'Timestamp: date and time when this record was last updated.'
    example: '2024-03-07 18:08:32.765'
    required: true
  - name: utm_source
    type: string
    description: 'String: part of the URL used for tracking (must be present in the Clutch URL).'
    example: facebook
    required: false
  - name: utm_medium
    type: string
    description: 'String: part of the URL used for tracking (must be present in the Clutch URL).'
    example: ads
    required: false
  - name: utm_campaign
    type: string
    description: 'String: part of the URL used for tracking (must be present in the Clutch URL).'
    example: auto_refi_june_2024
    required: false
  - name: utm_content
    type: string
    description: 'String: part of the URL used for tracking (must be present in the Clutch URL).'
    example: group_a
    required: false
  - name: utm_term
    type: string
    description: 'String: part of the URL used for tracking (must be present in the Clutch URL).'
    example: loans
    required: false
  - name: accepted_tcpa_at
    type: timestamp
    description: 'Timestamp: date and time when the applicant accepted TCPA disclaimers.'
    example: '2024-03-07 18:08:32.765'
    required: false
  - name: zest_score
    type: number
    description: 'Number: the main applicant''s Zest score for that application.'
    example: '80'
    required: false
  - name: chance_of_approval_badge
    type: string
    description: 'String: the badge shown to the applicant while browsing that offer. Possible values:;
      HIGH; LOW; MEDIUM; NOT_ENOUGH_INFORMATION'
    example: MEDIUM
    required: false
  - name: gap_offered
    type: boolean
    description: 'Boolean: whether the user was offered the opportunity to express interest in GAP (protection
      product).'
    example: 'TRUE'
    required: false
  - name: gap_selected
    type: boolean
    description: 'Boolean: whether the user expressed interest in GAP (protection product).'
    example: 'TRUE'
    required: false
  - name: mp_offered
    type: boolean
    description: 'Boolean: whether the user was offered the opportunity to express interest in mechanical
      breakdown protection.'
    example: 'TRUE'
    required: false
  - name: mp_selected
    type: boolean
    description: 'Boolean: whether the user expressed interest in mechanical breakdown protection.'
    example: 'TRUE'
    required: false
  - name: pp_offered
    type: boolean
    description: 'Boolean: whether the user was offered the opportunity to express interest in payment
      protection.'
    example: 'TRUE'
    required: false
  - name: pp_selected
    type: boolean
    description: 'Boolean: whether the user expressed interest in payment protection.'
    example: 'TRUE'
    required: false
  - name: member_nr
    type: number
    description: 'Number: the main applicant''s member number.'
    example: '1234'
    required: false
  - name: citizenship
    type: string
    description: 'String: the applicant''s citizenship.'
    example: US citizen
    required: false
  - name: referral_source
    type: string
    description: 'String: the referral source defined in the application''s URL. Matches what''s sent
      to the LOS.'
    example: lead-provider-name
    required: false
  - name: origin_module
    type: string
    description: 'String: the origin of the application. Possible values:; LENDING; ACCOUNT OPENINGThis
      enables calculating cross-sell from account opening to lending.'
    example: LENDING
    required: true
  - name: fraud_check_application_id
    type: string
    description: 'String: an identifier for the fraud check application. Can be null.'
    example: JA-DwyIHO5cTHu9uqquWDy9
    required: false
  - name: fraud_check_entity_token
    type: string
    description: 'String: an identifier for the fraud check token. Can be null.'
    example: J-KASoidfjs09SNGFKJ123
    required: false
  - name: gclid
    type: string
    description: 'String: Google click identifier, used in the URL for tracking purposes. Can be null.'
    example: 123xyz
    required: false
  - name: disclosure_acknowledged_at
    type: timestamp
    description: 'Timestamp: date and time when the applicant accepted product-specific disclaimers (credit
      cards and home equity).'
    example: '2024-03-07 18:08:32.765'
    required: false
  - name: automobile_estimated_list_price
    type: number
    description: 'Number: for vehicle loans, the estimated list price of the vehicle.'
    example: '37545.72'
    required: false
  - name: events_funnel_id
    type: string
    description: 'String: a UUID representing a unique record in the export. This is the primary key for
      the table.'
    example: 0030dbe4-ead5-4543-afa1-61d24688b4ef
    required: true
  - name: application_origin
    type: string
    description: 'String: the application''s origin. Possible values:; original; loan_cross_sell; deposit_cross_sell;
      remarketing'
    example: original
    required: true
  - name: device_id
    type: string
    description: 'String: unique identifier for the device used to start the application session.'
    example: a1b2c3d4-e5f6-7890-abcd-ef1234567890
    required: false
  - name: authentication_method
    type: string
    description: 'String: the method used to authenticate the session that started the application. Possible
      values: sso, password.'
    example: sso
    required: false
  - name: gap_quote
    type: decimal
    description: 'Decimal: the GAP (Guaranteed Asset Protection) insurance premium amount quoted to the
      customer, in dollars.'
    example: '299.00'
    required: false
  - name: mp_quote
    type: decimal
    description: 'Decimal: the Mechanical Protection insurance premium amount quoted to the customer,
      in dollars.'
    example: '199.00'
    required: false
  - name: pp_quote
    type: decimal
    description: 'Decimal: the Payment Protection insurance premium amount quoted to the customer, in
      dollars.'
    example: '150.00'
    required: false
  - name: gap_plan
    type: string
    description: 'String: the GAP plan name/description from the LOS.'
    example: GAP Plus
    required: false
  - name: mp_plan
    type: string
    description: 'String: the Mechanical Protection plan name/description from the LOS.'
    example: PowerTrain Plus
    required: false
  - name: pp_plan
    type: string
    description: 'String: the Payment Protection plan name/description from the LOS.'
    example: Basic Payment Shield
    required: false
- id: account_opening
  name: Account Opening
  description: Daily export of deposit/account opening applications, including fraud check, funding and
    core booking milestones.
  primary_key: application_id
  format: csv (pipe-delimited, double-quoted)
  cadence: daily
  source: https://support.withclutch.com/support/solutions/articles/153000248799-data-exports-account-opening
  field_count: 64
  fields:
  - name: application_id
    type: string
    description: 'String: a UUID that represents a unique account opening application.'
    example: 0030dbe4-ead5-4543-afa1-61d24688b4ef
  - name: applicant_id
    type: string
    description: 'String: a UUID that represents an applicant (not unique — user_id is the unique ID per
      applicant).'
    example: 0030dbe4-ead5-4543-afa1-61d24688b4ef
  - name: account_nr
    type: number
    description: 'Number: the account number in core, if an account was created. Null if no account was
      created.'
    example: '300101234'
  - name: applicant_name
    type: string
    description: 'String: applicant''s first and last name. Null if the user dropped off before identifying
      themselves.'
    example: Chris Coleman
  - name: applicant_email
    type: string
    description: 'String: applicant''s email address. Null if the user dropped off before identifying
      themselves.'
    example: chris.coleman@example.com
  - name: member_nr
    type: number
    description: 'Number: the user''s member number in core. Null if the user wasn''t an existing member
      and didn''t finish the application.'
    example: '400012345'
  - name: applicant_phone
    type: string
    description: 'String: applicant''s phone number. Null if the user dropped off before identifying themselves.'
    example: '2121234567'
  - name: applicant_address
    type: string
    description: 'String: applicant''s address. Null if the user dropped off before identifying themselves.'
    example: 123 Main St.
  - name: applicant_zipCode
    type: string
    description: 'String: applicant''s zip code. Null if the user dropped off before identifying themselves.'
    example: '12345'
  - name: applicant_city
    type: string
    description: 'String: applicant''s city. Null if the user dropped off before identifying themselves.'
    example: Rio de Janeiro
  - name: applicant_state
    type: string
    description: 'String: applicant''s state. Null if the user dropped off before identifying themselves.'
    example: CA
  - name: applicant_employer
    type: string
    description: 'String: applicant''s employer. Null if the user dropped off before identifying themselves.'
    example: Amazing Credit Union
  - name: applicant_job_title
    type: string
    description: 'String: applicant''s job title. Null if the user dropped off before identifying themselves.'
    example: Member Service Representative
  - name: eligibility_criteria
    type: string
    description: 'String: applicant''s eligibility criteria for membership. Null if the user dropped off
      before identifying themselves.'
    example: family
  - name: eligibility_detail
    type: string
    description: 'String: details entered for the applicant''s eligibility criteria. Null if the user
      dropped off before identifying themselves.'
    example: Spouse - Name of family member
  - name: product_name
    type: string
    description: 'String: the account name the user is applying for. Null if the user dropped off before
      selecting one.'
    example: Amazing Account Plus
  - name: product_type
    type: string
    description: 'String: account type the user is applying for. Null if the user dropped off before selecting
      one.'
    example: savings ; certificate ; checking
  - name: is_new_member
    type: boolean
    description: 'Boolean: true if the applicant was an existing member when the application started,
      false if not.'
    example: true ; false
  - name: funding_type
    type: string
    description: 'String: the funding method the applicant chose:; CREDIT_CARD: credit card; INTERNAL_ACCOUNT:
      transfer from an existing account at the credit union; ACH: transfer from an existing account at
      another institution; CASH: cash; LFAO: funding performed by the credit union via internal transfer;
      NULL: user dropped off before choosing a funding method'
    example: CASH
  - name: funding_amnt
    type: number
    description: 'Number: amount the user chose to fund the account with.'
    example: $1000.00
  - name: application_origin
    type: string
    description: 'String: where the application originated: branch portal or consumer portal.'
    example: branch ; consumer
  - name: branch_name
    type: string
    description: 'String: the name of the branch where the application is sitting.'
    example: The Best Branch
  - name: branch_user_id
    type: number
    description: 'Number: identifier of the employee responsible for the application.'
    example: '1234'
  - name: employee_name
    type: string
    description: 'String: first and last name of the employee responsible for the application.'
    example: Nicholas Hinrichsen
  - name: application_status
    type: string
    description: 'String: current status of the application. Possible values:; ACCEPTED: the application
      was successful and an account has been opened; INITIATED: the application started and is still in
      progress; FRAUD_VERIFICATION: the fraud management review is in progress; DENIED: the application
      wasn''t allowed to proceed; CANCELLED: the application started but didn''t continue; ERROR: the
      application had an issue; EXTERNAL_FUNDING_CONFIRMATION: waiting for funding confirmation; LOAN_FIRST_DRAFT:
      a non-member submitted a loan application but an employee hasn''t triggered account opening yet'
    example: ACCEPTED
  - name: account_status
    type: string
    description: 'String: current status of the account. Possible values:; CREATED: the account has been
      opened; CANCELLED: the application was cancelled before an account was created; PENDING: the account
      opening process is still in progress'
    example: PENDING
  - name: funding_status
    type: string
    description: 'String: current status of the funding. Possible values:; COMPLETED: the account has
      been funded; CANCELLED_OR_REFUNDED: the application was cancelled before an account was created;
      CREATED / INITIATED / PENDING: funding is still in progress; ERROR: a funding issue occurred'
    example: COMPLETED
  - name: application_created_at
    type: timestamp
    description: 'Timestamp: date and time when the application started.'
    example: '2024-03-07 18:08:32.765'
  - name: account_created_at
    type: timestamp
    description: 'Timestamp: date and time when the account was created. Deprecated — use account_booked_to_core_at
      instead.'
    example: '2024-03-07 18:08:32.765'
  - name: application_updated_at
    type: timestamp
    description: 'Timestamp: date and time when this record was last updated.'
    example: '2024-03-07 18:08:32.765'
  - name: received_AAN
    type: boolean
    description: 'Boolean: true if the applicant received an Adverse Action Notice, false if not.'
    example: true ; false
  - name: aan_created_at
    type: timestamp
    description: 'Timestamp: date and time when the Adverse Action Notice was sent.'
    example: '2024-03-07 18:08:32.765'
  - name: aan_reason
    type: string
    description: 'String: reason(s) the applicant received an Adverse Action Notice.'
    example: Asset ownership history
  - name: utm_source
    type: string
    description: 'String: part of the URL used for tracking (must be present in the Clutch URL).'
    example: facebook
  - name: utm_medium
    type: string
    description: 'String: part of the URL used for tracking (must be present in the Clutch URL).'
    example: ads
  - name: utm_campaign
    type: string
    description: 'String: part of the URL used for tracking (must be present in the Clutch URL).'
    example: auto_refi_june_2024
  - name: utm_content
    type: string
    description: 'String: part of the URL used for tracking (must be present in the Clutch URL).'
    example: group_a
  - name: utm_term
    type: string
    description: 'String: part of the URL used for tracking (must be present in the Clutch URL).'
    example: loans
  - name: funding_started_at
    type: timestamp
    description: 'Timestamp: date and time when the user chose a funding method (null if they didn''t).'
    example: '2024-03-07 18:08:32.765'
  - name: funding_authorized_at
    type: timestamp
    description: 'Timestamp: date and time when the user''s funding was authorized (null if it wasn''t).'
    example: '2024-03-07 18:08:32.765'
  - name: fraud_check_approved_at
    type: timestamp
    description: 'Timestamp: date and time when the user was approved by the integrated fraud check flow
      (null if not applicable).'
    example: '2024-03-07 18:08:32.765'
  - name: account_booked_to_core_at
    type: timestamp
    description: 'Timestamp: date and time when the user''s account was booked to core (null if not applicable).'
    example: '2024-03-07 18:08:32.765'
  - name: user_id
    type: string
    description: 'String: a UUID that represents a unique applicant.'
    example: 0030dbe4-ead5-4543-afa1-61d24688b4ef
  - name: session_id
    type: string
    description: 'String: an ID representing a unique user session. A session lasts up to 4 hours, or
      ends after 15 minutes of inactivity.'
    example: '123456789'
  - name: extra_fee
    type: number
    description: 'Number: the extra fee applied, if any. Can be null.'
    example: '5.0'
  - name: accepted_tcpa_at
    type: timestamp
    description: 'Timestamp: date and time when TCPA was accepted (null if it wasn''t).'
    example: '2024-03-07 18:08:32.765'
  - name: fraud_check_entity_token
    type: string
    description: 'String: an identifier for the fraud check token. Can be null.'
    example: J-KASoidfjs09SNGFKJ123
  - name: account_id
    type: string
    description: 'String: a UUID that represents a unique account.'
    example: 0030dbe4-ead5-4543-afa1-61d24688b4ef
  - name: citizenship
    type: string
    description: 'String: applicant''s citizenship.'
    example: US/American
  - name: handoff_type
    type: string
    description: 'String: how the handoff for in-branch applications happened. Possible values: DIGITAL
      or NON_DIGITAL.'
    example: DIGITAL
  - name: consent_type
    type: string
    description: 'String: how consent for account opening was given. Possible values: DIGITAL_CONSENT
      (applicant clicked in the experience) or MANUAL_CONSENT (applicant gave consent to the employee
      assisting them).'
    example: DIGITAL_CONSENT
  - name: account_features
    type: array
    description: 'Array: list of features the applicant added to the account.'
    example: '["OVDT", "DBT"]'
  - name: fraud_check_status
    type: string
    description: 'String: most up-to-date fraud check status. Possible values:; APPROVED; DENIED; PENDING_USER_ACTION;
      REFER; ERROR'
    example: APPROVED
  - name: fraud_check_application_id
    type: string
    description: 'String: an identifier for the fraud check application. Can be null.'
    example: JA-DwyIHO5cTHu9uqquWDy9
  - name: promo_code
    type: string
    description: 'String: promotional code entered during the application for special offers.'
    example: CHRISTMAS10
  - name: had_manual_review
    type: boolean
    description: 'Boolean: whether a human had to intervene or manually review the application.'
    example: true ; false
  - name: had_step_up
    type: boolean
    description: 'Boolean: whether the user saw a step-up screen during the fraud check flow.'
    example: true ; false
  - name: fraud_check_started_at
    type: timestamp
    description: 'Timestamp: date and time when the fraud check was started.'
    example: '2024-03-07 18:08:32.765'
  - name: fraud_check_decision_made_at
    type: timestamp
    description: 'Timestamp: date and time when the fraud check was completed (application approved or
      declined).'
    example: '2024-03-07 18:08:32.765'
  - name: device_id
    type: string
    description: 'String: unique identifier for the device used to start the application session.'
    example: a1b2c3d4-e5f6-7890-abcd-ef1234567890
  - name: authentication_method
    type: string
    description: 'String: the method used to authenticate the session that created the application. Possible
      values: sso, password.'
    example: sso
  - name: referral_code
    type: string
    description: 'String: referral code entered during the application (e.g., member-get-member or employee
      referral program). Null if no referral code was used.'
    example: MGM-REF123
  - name: fraud_check_tags
    type: string
    description: 'String: fraud check tags associated with the application, returned as a semicolon-separated
      string. Null if no tags were returned.'
    example: Main Applicant;Name Verified
  - name: Employee
    type: string
    description: Count of Applications
    example: Count of Accepted Applications
- id: funding
  name: Funding
  description: Daily export of account funding transactions, including the funding provider and transaction
    identifiers.
  primary_key: payment_transaction_id
  format: csv (pipe-delimited, double-quoted)
  cadence: daily
  source: https://support.withclutch.com/support/solutions/articles/153000248795-data-exports-funding
  field_count: 12
  fields:
  - name: applicant_name
    type: string
    description: 'String: applicant''s first and last name. Null if the user dropped-off before identifying
      themselves.'
    example: Jane Doe
  - name: member_nr
    type: number
    description: 'Number: the user''s member number in core. Null if the user wasn''t an existing member
      and didn''t finish the application.'
    example: '400012345'
  - name: application_id
    type: string
    description: 'String: a uuid that represents an unique account opening application.'
    example: 0030dbe4-ead5-4543-afa1-61d24688b4ef
  - name: account_id
    type: string
    description: 'String: a uuid that represents an unique account.'
    example: 0030dbe4-ead5-4543-afa1-61d24688b4ef
  - name: transaction_funding_date
    type: timestamp
    description: 'Timestamp: date and time when the account was funded.'
    example: '2024-03-07 18:08:32.765'
  - name: account_type
    type: string
    description: 'String: account type that the user is applying for. Null if the user dropped-off before
      selecting one.'
    example: savings ; certificate ; checking
  - name: funding_type
    type: string
    description: 'String:the funding method the applicant has chosen:CREDIT_CARD: credit card (Stripe);INTERNAL_ACCOUNT:
      transfer from existing account at the CU;ACH: transfer from existing account in another institution
      (Plaid);CASH: cash;LFAO: funding performed by the CU via transfer from the GL;NULL: user dropped-off
      before choosing a funding method.'
    example: CASH
  - name: funding_amnt
    type: number
    description: 'Number: amount the user decided to use to fund the account.'
    example: $1000.00
  - name: provider_name
    type: string
    description: 'String: name of funding provider.'
    example: stripe ; plaid
  - name: payment_transaction_id
    type: string
    description: 'String: identifier used by the provider for the transaction.'
    example: 0030dbe4-ead5-4543-afa1-61d24688b4ef
  - name: account_number
    type: string
    description: 'String: account number from Core.'
    example: '2121234567'
  - name: branch_name
    type: string
    description: 'String: the name of the branch where the application is sitting at.'
    example: The Best Branch
- id: nacha
  name: NACHA
  description: Daily export of generated NACHA ACH files and reversals with their eligible transactions.
  primary_key: NACHA_FILE_ELIGIBLE_TRANSACTION_ID
  format: csv (pipe-delimited, double-quoted)
  cadence: daily
  source: https://support.withclutch.com/support/solutions/articles/153000258789-data-exports-nacha
  field_count: 24
  fields:
  - name: PARTNER_ID
    type: string
    description: 'String: partner identifier UUID.'
    example: 0030dbe4-ead5-4543-afa1-61d24688b4ef
  - name: PARTNER_ALIAS
    type: string
    description: 'String: partner alias.'
    example: mycreditunion
  - name: NACHA_DOCUMENT_ID
    type: string
    description: 'String: document identifier UUID.'
    example: 91290a0f-579d-4de0-824f-0a510a619a8c
  - name: NACHA_FILE_NAME
    type: string
    description: 'String: NACHA .txt file name.'
    example: 2026-01-21:20-00-35-nacha-file.txt
  - name: NACHA_DOCUMENT_TYPE
    type: string
    description: 'String: NACHA or NACHA_REVERSAL.'
    example: NACHA_REVERSAL
  - name: IS_REVERSAL
    type: boolean
    description: 'Boolean: whether this is a reversal document.'
    example: false / true
  - name: ORIGINAL_NACHA_DOCUMENT_ID
    type: string
    description: 'String: the UUID identifier of the original document being reverted.'
    example: 462d46f6-76a2-4d66-8716-4046ac0a6ee7
  - name: REVERSAL_TYPE
    type: string
    description: 'String: PARTIAL, FILE, or null.'
    example: FILE
  - name: NACHA_GENERATED_AT
    type: datetime
    description: 'Datetime: when the file was created.'
    example: '2026-01-21T20:00:35.990+00:00'
  - name: NACHA_TRANSACTION_COUNT
    type: integer
    description: 'Integer: total transactions in the file.'
    example: '3'
  - name: NACHA_TOTAL_AMOUNT
    type: decimal
    description: 'Decimal(13,2): total amount in the file.'
    example: '123.45'
  - name: APPLICATION_ID
    type: string
    description: 'String: application identifier UUID.'
    example: 5f2ff68e-fb74-4303-ad9a-2169cc0d543b
  - name: APPLICATION_NUMERIC_ID
    type: integer
    description: 'Integer: human-readable application identifier.'
    example: '1242840'
  - name: APPLICATION_STATUS
    type: string
    description: 'String: application status.'
    example: accepted
  - name: APPLICATION_CREATED_AT
    type: datetime
    description: 'Datetime: when the application was created.'
    example: '2026-01-21T18:08:12.815+00:00'
  - name: MEMBER_NUMBER
    type: number
    description: 'Number: applicant''s member number.'
    example: '292470'
  - name: APPLICANT_FULL_NAME
    type: string
    description: 'String: applicant''s full name.'
    example: John Doe
  - name: APPLICANT_EMAIL
    type: string
    description: 'String: applicant''s email.'
    example: john.doe@withclutch.com
  - name: FUNDING_CHARGE_ID
    type: string
    description: 'String: funding charge identifier UUID.'
    example: b176d767-6d34-4365-a9c2-ab4447a20bc8
  - name: FUNDING_CHARGE_AMOUNT
    type: decimal
    description: 'Decimal(13,2): funding amount.'
    example: '567.80'
  - name: FUNDING_CHARGE_TYPE
    type: string
    description: 'String: funding charge type.'
    example: ach
  - name: FUNDING_CHARGE_STATUS
    type: string
    description: 'String: funding charge status.'
    example: completed
  - name: NACHA_FILE_ELIGIBLE_TRANSACTION_ID
    type: string
    description: 'String: eligible transaction identifier UUID.'
    example: ef5b0ac5-9345-4f8a-ad06-8355192109dc
  - name: NACHA_FILE_ELIGIBLE_TRANSACTION_CREATED_AT
    type: datetime
    description: 'Datetime: when the transaction was added to the NACHA file.'
    example: '2026-01-21T18:10:08.260+00:00'
- id: hal
  name: HAL
  description: Daily export of HAL AI lending assistant conversations, one row per applicant conversation.
  primary_key: hal_id
  format: csv (pipe-delimited, double-quoted)
  cadence: daily
  source: https://support.withclutch.com/support/solutions/articles/153000258790-data-exports-hal
  field_count: 10
  fields:
  - name: hal_id
    type: string
    description: 'String: an ID that represents a unique conversation with an applicant.'
    example: 0030dbe4-ead5-4543-afa1-61d24688b4ef
  - name: application_id
    type: string
    description: 'String: an ID that represents a unique application sent to the LOS. Matches the one
      in the lending export.'
    example: 0030dbe4-ead5-4543-afa1-61d24688b4ef
  - name: application_nr
    type: number
    description: 'Number: loan number in the LOS.'
    example: '1234'
  - name: user_id
    type: string
    description: 'String: a UUID that represents a unique user (main applicant). Matches the one in the
      lending export.'
    example: 0030dbe4-ead5-4543-afa1-61d24688b4ef
  - name: applicant_name
    type: string
    description: 'String: the main applicant''s full name.'
    example: John Doe
  - name: user_phone
    type: number
    description: 'Number: the main applicant''s phone number.'
    example: '1234567891'
  - name: conversation_started_at
    type: timestamp
    description: 'Timestamp: date and time when the conversation started.'
    example: '2024-03-07 18:08:32.765'
  - name: hal_message_count
    type: number
    description: 'Number: number of messages sent by HAL to the applicant.'
    example: '4'
  - name: user_message_count
    type: number
    description: 'Number: number of messages sent by the applicant to HAL.'
    example: '1'
  - name: record_last_updated_at
    type: timestamp
    description: 'Timestamp: date and time when this record was last updated.'
    example: '2024-03-07 18:08:32.765'