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Documentation Index

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The Entity Attributes endpoint provides aggregated financial attributes for an Entity, computed from the Entity’s connected accounts. Attributes are organized by category (credit card, personal loan, mortgage, overall, installment, and other) and cover utilization, balances, trends, and delinquency signals. The Entity Attributes endpoint is available as a:
TypeUse-Case
ProductOn-Demand view of an Entity’s financial attributes.
SubscriptionComprehensive view of an Entity’s attributes and continuous near real-time updates on attributes. Webhook Payload

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Attribute Objects

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Available Attributes

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Revolving Credit Card

AttributeValue TypeDescription
revolving_credit_card_balance_totalnumberTotal revolving credit card balance across all accounts, in cents.
credit_limit_totalnumberTotal credit limit across all credit card accounts, in cents.
credit_card_utilizationnumberCredit card utilization percentage across all accounts.
weighted_average_apr_credit_cardnumberWeighted average APR across all credit card accounts.
usage_patternstringOverall credit card usage pattern across all accounts.
next_payment_minimum_total_credit_cardsnumberTotal minimum payment due across all credit card accounts, in cents.
payment_to_minimum_ratio_avg_credit_cardsnumberAverage ratio of actual payments to minimum payments across credit card accounts.
revolving_credit_card_balance_change_30dnumberChange in total revolving credit card balance over the last 30 days, in cents.
revolving_credit_card_balance_change_60dnumberChange in total revolving credit card balance over the last 60 days, in cents.
revolving_credit_card_balance_change_90dnumberChange in total revolving credit card balance over the last 90 days, in cents.
revolving_credit_card_utilization_trend_30dstringDirection of credit card utilization change over the last 30 days.
revolving_credit_card_utilization_trend_90dstringDirection of credit card utilization change over the last 90 days.
revolving_credit_card_utilization_delta_30dnumberPercentage point change in credit card utilization over the last 30 days.
revolving_credit_card_utilization_delta_60dnumberPercentage point change in credit card utilization over the last 60 days.
revolving_credit_card_utilization_delta_90dnumberPercentage point change in credit card utilization over the last 90 days.
delinquency_flag_credit_cardsbooleanWhether any credit card account is delinquent.

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Personal Loan

AttributeValue TypeDescription
personal_loan_balance_totalnumberTotal personal loan balance across all accounts, in cents.
personal_loan_amount_totalnumberTotal original loan amount across all personal loan accounts, in cents.
personal_loan_monthly_installments_estimatenumberEstimated total monthly installment payments for personal loans, in cents.
personal_loan_utilizationnumberUtilization percentage across all personal loan accounts.
weighted_average_apr_personal_loannumberWeighted average APR across all personal loan accounts.
personal_loan_balance_change_30dnumberChange in total personal loan balance over the last 30 days, in cents.
personal_loan_balance_change_60dnumberChange in total personal loan balance over the last 60 days, in cents.
personal_loan_balance_change_90dnumberChange in total personal loan balance over the last 90 days, in cents.
personal_loan_utilization_trend_30dstringDirection of personal loan utilization change over the last 30 days.
personal_loan_utilization_trend_90dstringDirection of personal loan utilization change over the last 90 days.
personal_loan_utilization_delta_30dnumberPercentage point change in personal loan utilization over the last 30 days.
personal_loan_utilization_delta_60dnumberPercentage point change in personal loan utilization over the last 60 days.
personal_loan_utilization_delta_90dnumberPercentage point change in personal loan utilization over the last 90 days.

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Mortgage

AttributeValue TypeDescription
mortgage_balance_totalnumberTotal mortgage balance across all accounts, in cents.
mortgage_loan_amount_totalnumberTotal original loan amount across all mortgage accounts, in cents.
weighted_average_apr_mortgagenumberWeighted average APR across all mortgage accounts.
mortgage_balance_change_30dnumberChange in total mortgage balance over the last 30 days, in cents.
mortgage_balance_change_60dnumberChange in total mortgage balance over the last 60 days, in cents.
mortgage_balance_change_90dnumberChange in total mortgage balance over the last 90 days, in cents.
mortgage_utilization_trend_30dstringDirection of mortgage utilization change over the last 30 days.
mortgage_utilization_trend_90dstringDirection of mortgage utilization change over the last 90 days.
mortgage_utilization_delta_30dnumberPercentage point change in mortgage utilization over the last 30 days.
mortgage_utilization_delta_60dnumberPercentage point change in mortgage utilization over the last 60 days.
mortgage_utilization_delta_90dnumberPercentage point change in mortgage utilization over the last 90 days.

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Overall

AttributeValue TypeDescription
overall_loan_amount_totalnumberTotal original loan amount across all account types, in cents.
overall_utilizationnumberOverall utilization percentage across all account types.
overall_utilization_trend_30dstringDirection of overall utilization change over the last 30 days.
overall_utilization_trend_90dstringDirection of overall utilization change over the last 90 days.
overall_utilization_delta_30dnumberPercentage point change in overall utilization over the last 30 days.
overall_utilization_delta_60dnumberPercentage point change in overall utilization over the last 60 days.
overall_utilization_delta_90dnumberPercentage point change in overall utilization over the last 90 days.

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Installment

AttributeValue TypeDescription
installment_balance_totalnumberTotal installment loan balance across all accounts, in cents.
installment_balance_change_30dnumberChange in total installment balance over the last 30 days, in cents.
installment_balance_change_60dnumberChange in total installment balance over the last 60 days, in cents.
installment_balance_change_90dnumberChange in total installment balance over the last 90 days, in cents.

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Other

AttributeValue TypeDescription
other_balance_totalnumberTotal balance across all other account types, in cents.
other_balance_change_30dnumberChange in total other account balance over the last 30 days, in cents.
other_balance_change_60dnumberChange in total other account balance over the last 60 days, in cents.
other_balance_change_90dnumberChange in total other account balance over the last 90 days, in cents.

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Webhook Payload

The Webhook payload will contain the following information: 
{
  "id": "string",
  "type": "entity_attribute.create",
  "path": "/entities/<ent_id>/attributes/<attr_id>"
}

{
  "id": "attr_dADraNgLBrhgL",
  "entity_id": "ent_EQ3FCTzDUmmCb",
  "status": "completed",
  "attributes": {
    "revolving_credit_card_balance_total": {
      "value": 968400,
      "error": null
    },
    "credit_limit_total": {
      "value": 8100000,
      "error": null
    },
    "credit_card_utilization": {
      "value": 11.96,
      "error": null
    },
    "weighted_average_apr_credit_card": {
      "value": 29.09,
      "error": null
    },
    "usage_pattern": {
      "value": "unknown",
      "error": null
    },
    "next_payment_minimum_total_credit_cards": {
      "value": 26600,
      "error": null
    },
    "payment_to_minimum_ratio_avg_credit_cards": {
      "value": 1.92,
      "error": null
    },
    "revolving_credit_card_balance_change_30d": {
      "value": 381700,
      "error": null
    },
    "revolving_credit_card_balance_change_60d": {
      "value": null,
      "error": {
        "type": "ENTITY_ATTRIBUTE_INSUFFICIENT_DATA",
        "sub_type": "ENTITY_ATTRIBUTE_INSUFFICIENT_DATA",
        "code": 27001,
        "message": "Insufficient data to compute this entity attribute."
      }
    },
    "revolving_credit_card_utilization_delta_30d": {
      "value": -3.28,
      "error": null
    },
    "mortgage_balance_total": {
      "value": 15586300,
      "error": null
    },
    "overall_loan_amount_total": {
      "value": 26757400,
      "error": null
    },
    "overall_utilization": {
      "value": 70.5,
      "error": null
    },
    "installment_balance_total": {
      "value": 23605200,
      "error": null
    }
  },
  "error": null,
  "created_at": "2026-04-09T17:02:47.910Z",
  "updated_at": "2026-04-09T17:04:35.220Z"
}