CREDIT SOURCE is a term used to describe the source of funds for a loan or other type of credit. APTEST is an acronym for Automated Payment Test, which is a tool used by lenders to assess a borrower's ability to repay a loan. LENDER is a person or institution that provides funds to another in exchange for repayment of the principal amount plus interest. CITE is an abbreviation for Credit Information and TransUnion Exchange, which is a database of consumer credit information maintained by the credit bureau TransUnion.