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Application files capture information related to consumers’ applications for partner products sponsored by Lead.
Applications are required for credit products and optional for depository products as they include underwriting and decisioning information on how a consumer was evaluated prior to Account creation.
Depository products typically only require Applications when there is a credit component Example: In the case of certain credit builder products, this file is used for informing Lead about all applications, as well as updating Lead on the status of applications.
A single application should be updated multiple times until the application is in a terminal state:
  • approved
  • declined
  • canceled