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Deal-level indirect auto-lending submission and decision corpus generated by the firm's auto-native origination platform: every dealer-submitted credit application passing through the platform produces a structured deal record (vehicle, term length, advance rate, payment-to-income threshold, pricing) together with the lender's counteroffer and approve-or-decline decision, keyed by dealer and by lender type (captive, bank, credit union, independent). Byproduct layers include decision-latency and cycle-time telemetry, dealer submission-and-retry behavior across competing lenders, decline-reason and lost-sale records, and embedded credit-rule and compliance-check outcomes captured at the point of sale. NOTE: the market statistics quoted in this particular article (dealer finance debt growth, lender market share, 60+ day delinquency) are attributed to third-party research firms and are not the licensable asset.
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