I'm curious about theory of cross table references. I understand the need
but I'm wondering best practices. Specifically, should Cross-tables only be
made up of foreign keys or is it possible to have other columns?

For example, would this be an acceptable solution.
Borrower (BorrowerID)
LoanType (LoanTypeID)
CrossTable (BorrowerID, LoanTypeID, LoanScore, LoanValue)

Or should cross-table only be made up of keys.
Borrower (BorrowerID)
LoanType (LoanTypeID)
CrossTable (BorrowerID, LoanTypeID)

Thank you.

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