Servicing reports

daily servicing report cross river requires that an mpl, or the servicer used by the mpl, provide daily all servicing events for the loans issued by cross river the servicing report contains a record for every loan every day it is a snapshot of each loan the headers are the same as those listed in the data dictionary the table below is the reference information for servicing file conventions file format csv file transport mechanism sftp (ssh; supported public key algorithms rsa, sha2 521, sha2 384, sha 256) file name mplid servicingtape yyyymmdd csv,where yyyymmdd is the date of file generation mplid\ this is internal to crb please check with the data team dataengineers\@crossriver com for the value to to be used in the filename file location \prod\mpl\loanservicingtapes\mplid servicingtape yyyymmdd csv report date should match the date of the filename report data should be from the day prior to the report date example the following shows the relationship between these three data points a file with name mplid servicingtape 20231225 csv file is generated on the 12/25 for the previous day’s data report date should be 2023 12 25 report data loan positions/standing as of end of 2023 12 24 dictionary updates attributes action date issuingbank added october 21, 2021 forbearanceduration forbearancedurationtype extrafields added june 16, 2021 forbearancedurationmonths removed june 16, 2021 identification field description platform alphanumeric required mpl name mplacctid alphanumeric required unique loan number issuingbank alphanumeric required name of issuing bank of the loan for cr originated loans, it should say "crb" servicer alphanumeric required servicer name servicerloannum alphanumeric required servicer loan number sale/transfers field description beginningsubpoolid alphanumeric required on transfer day, this field will show the subpoolid prior to the transfer for subpool transfers or sales endingsubpoolid alphanumeric required on transfer day, this field will show the subpoolid after the transfer for subpool transfers or sales priorowner alphanumeric required on transfer day/sale day, this field shows the owner prior to the transfer • crb hfs loans bought back by cr after the 3 day seasoning period • crb lthfs loans owned by cr with a longer seasoning period • crb retained loans retained by cr currentowner alphanumeric required on transfer day, this field shows the owner after the transfer • crb hfs loans bought back by cr after the 3 day seasoning period • crb lthfs loans owned by cr with a longer seasoning period • crb retained loans retained by cr currenttransferedinterest number up to 2 decimals required for subpool transfers and sales interest transferred in the sale or in the subpool transfer currenttransferedprincipal number up to 2 decimals required for subpool transfers and sales principal transferred in the sale or in the subpool transfer currenttransferdate date required for subpool transfers and sales date loan is sold/transferred to the new owner or subpool this field should only be populated on the day after transfer format yyyy mm dd loan terms field description contractdate date required note date format yyyy mm dd firstfundeddate date required funding date for loans that are disbursed on multiple days firstfundeddate is the date of the first disbursement mostrecentfundeddate is the date of the most recent disbursement for loans funded in a single disbursement, the firstfundeddate is the same as the mostrecentfundeddate format yyyy mm dd mostrecentfundeddate date required date of most recent disbursement if the loan is funded in a single disbursement, this is the same as the firstfundeddate format yyyy mm dd boarding date date required date of most recent disbursement if the loan is funded in a single disbursement, this is the same as the firstfundeddate format yyyy mm dd originalmaturitydate date required date of the final loan maturity per the loan agreement format yyyy mm dd currentmaturitydate date required current maturity date format yyyy mm dd vintage date number required year and month of note format yyyy mm dd originalloanamount number up to 2 decimals required gross loan amount originalfundedamount number up to 2 decimals required net funding to borrower currentdisbursementamount number up to 2 decimals required aggregated total of all disbursed amounts so far for this loan for a single disbursement, this equals the loan amount currentdisbursementcount integer required the (number) count of disbursements funded for this loan for a single disbursement, the number is 1 originalscheduledperiodicpmt number up to 2 decimals required borrower's required periodic payment per the original amortization schedule currentscheduledperiodicpmt number up to 2 decimals required borrower's required periodic payment per the current amortization schedule originalscheduledfinalpmt number up to 2 decimals required borrower's required final payment per the original amortization schedule currentscheduledfinalpmt number up to 2 decimals required borrower's required final payment per the current amortization schedule paymentfrequency alphanumeric required frequency of regularly scheduled payments per the amortization schedule monthly, bimonthly, weekly, biweekly originalinterestrate number up to 2 decimals, formatted as a percent required original note interest rate format percent (%) currentinterestrate number up to 2 decimals, formatted as a percent required current interest rate interestaccrualmethod alphanumeric required method of interest accrual originalborrowerstate alpha 2 letters required state in which the loan was originated currentborrowerstate alpha 2 letters required state where the borrower currently resides originalficoscore integer required fico score at origination originalficoscoredate date required date the fico score was pulled at origination format yyyy mm dd originalvantagescore integer required vantagescore at origination originalvantagescoredate date required date the vantagescore was pulled at origination original internally assigned credit rating (loan grade) format yyyy mm dd updatedficoscore integer required if an updated credit pull was made last fico score pulled should only be populated if a new fico was pulled updatedficoscoredate date required if an updated credit pull was made date of last fico score pulled should only be populated if a new fico was pulled format yyyy mm dd updatedvantagescore integer required if an updated credit pull was made last vantagescore pulled should only be populated if a new vantagescore was pulled updatedvantagescoredate date required if an updated credit pull was made date of last vantagescore pull should only be populated if a new vantagescore was pulled format yyyy mm dd predtiexmortgage number up to 2 decimals, formatted as a percent required dti excluding mortgage pre loan format percent (%) predtiinmortgage number up to 2 decimals, formatted as a percent required dti including mortgage pre loan format percent (%) predtidate date required dti date pulled pre loan format yyyy mm dd postdtidate date required dti date pulled post loan format yyyy mm dd postdtiexmortgage number up to 2 decimals, formatted as a percent required dti excluding mortgage post loan format percent (%) postdtiinmortgage number up to 2 decimals, formatted as a percent required dti including mortgage post loan format percent (%) originalcreditgradeinternal number or alphanumeric required original internally assigned credit rating (loan grade) currentcreditgradeinternal number or alphanumeric required current internally assigned credit rating (loan grade) originationfeepct number up to 2 decimals required origination fee by percent originationfeeamt number up to 2 decimals required origination fee by dollar amount apr number up to 2 decimals, formatted as a percent required annual percentage rate originalterm number up to 2 decimals required number of months to pay loan before maturity at origination currentterm number up to 2 decimals required number of months remaining to maturity originalnumscheduledpaymnets integer required number of periodic payments to maturity at origination currentnumpaymentsscheduled integer required number of remaining periodic payments to maturity activity field description reportdate date required this should be the current date, and all balances and running monthly totals should be as of the prior day format yyyy mm dd example reporting date should be 5/1/2016 for the april loan summary beginningprincipalbalance number up to 2 decimals required beginning principal loan balance for prior day should equal previous day ending principal balance beginningtotalbalance number up to 2 decimals required beginning principal + interest + fees loan balance for prior day beginningbalancepostchargeoff number up to 2 decimals required beginning principal balance for prior day after charge off this balance should exclude the charged off amount (if any) endingprincipalbalance number up to 2 decimals required ending principal loan balance for prior day endingtotalbalance number up to 2 decimals required ending principal + interest + fees loan balance for prior day endingbalancepostchargeoff number up to 2 decimals required ending principal balance for prior day after charge off this balance should exclude the charged off amount (if any) periodprincipalpmt number up to 2 decimals required principal payments received during the current month running monthly total periodprincipaladj number up to 2 decimals required small balance adjustments made to the loan balance during the current month running monthly total periodprincipalpmtscheduled number up to 2 decimals required scheduled principal payments received during the current month running monthly total periodprincipalpmtprepaid number up to 2 decimals required prepay (non scheduled) principal received during the current month running monthly total periodinterestpmt number up to 2 decimals required interest payments received during the current month running monthly total periodinterestpmtscheduled number up to 2 decimals required scheduled interest payments received during the current month running monthly total periodlatefeeassessed number up to 2 decimals required amount of late fees charged running monthly total periodotherfeesassessed number up to 2 decimals required amount of other fees assessed (excluding nsf or late fees) running monthly total periodotherfeespaid number up to 2 decimals required amount of other fees (excluding nsf or late fees) paid running monthly total periodnsfassessed number up to 2 decimals required amount of insufficient funds charged running monthly total periodnsfpaid number up to 2 decimals required amount paid for insufficient funds running monthly total lastpaymentreceiveddate date required day of month the last borrower payment was received format yyyy mm dd nextpaymentduedate date required next payment due date format yyyy mm dd nextprincipalduedate date required next principal payment due date format yyyy mm dd nextinterestduedate date required next interest due date format yyyy mm dd chargeoffdate date required date the loan is charged off book format yyyy mm dd chargedoffprincipalamt number up to 2 decimals required if a charge off occurred total principal charged off during current month this should only be populated during the month that the charge off occurs chargedoffinterestamt number up to 2 decimals required if a charge off occurred total interest charged off/ reversed during the current month this should only be populated during the month that the charge off occurs interestaccruedtotal number up to 2 decimals required interest accrued but not collected as of prior day cumulinterestpmtltd number up to 2 decimals required total interest payment received from the borrower since inception cumulprincipalpmtltd number up to 2 decimals required total principal payment received from the borrower since inception cumulprincipalpmtprepaidltd number up to 2 decimals required total prepay principal received from the borrower since inception principalrecoveredamt number up to 2 decimals required principal amount recovered after charge off life to date interestrecoveredamt number up to 2 decimals required interest amount recovered after charge off life to date latefeerecovered number up to 2 decimals required late fee amount recovered after charge off life to date nsffeerecovered number up to 2 decimals required nsf fee amount recovered after charge off life to date otherfeesrecovered number up to 2 decimals required other fees (excluding late fees or nsf fees) amount recovered after charge off life to date averagedailybalance number up to 2 decimals required average loan outstanding for the month loan status field description loanstatus alphanumeric required payment status of the loan current 0 days past due ingraceperiod 1 thru grace period days past due delinquent grace period + 1 thru charge off days past due chargedoff loan charged off forebearance loan is in forbearance/deferment status bankruptcy loan in bankruptcy matured loan paid off on normal amortization schedule paidoff loan paid off early dayspastdue integer required number of days past due total delinquencystartdate date required date the loan entered the delinquent status format yyyy mm dd pastdueprincipalamt number up to 2 decimals required amount of principal payment past due pastdueinterestamount number up to 2 decimals required amount of interest payment past due pastduetotalamount number up to 2 decimals required amount of principal + interest + fees past due times1to5dpd integer required number of times loan was 0 < dpd < = 5 times6to15dpd integer required number of times loan was 5 < dpd < = 15 times16to30dpd integer required number of times loan was 15 < dpd < = 30 times31to60dpd integer required number of times loan was 30 < dpd < = 60 times61to90dpd integer required number of times loan was 60 < dpd < = 90 times91to120dpd integer required number of times loan was 90 < dpd < = 120 times121plusdpd integer required number of times loan was 120 < dpd confirmoffrauddate date required date the loan was confirmed as fraudulent format yyyy mm dd fraudamt number up to 2 decimals required total amount lost to fraud confirmofdeathdate date required date the borrower's death was confirmed format yyyy mm dd bankruptcy field description bankruptcystatus alphanumeric required current status of bankruptcy as of prior day bankruptcychapter alphanumeric required bankruptcy chapter bankruptcynoticedate date required date of the bankruptcy notice format yyyy mm dd bankruptcyfilingdate date required date the bankruptcy was filed format yyyy mm dd bankruptcyclosedate date required date the bankruptcy was closed format yyyy mm dd bankruptcyclosereason alphanumeric required reason the bankruptcy was closed bankruptcyprocessdate date required date the bankruptcy was processed format yyyy mm dd bankruptcydischargedate date required date the bankruptcy was discharged format yyyy mm dd bankruptcydismissaldate date required date the bankruptcy was dismissed format yyyy mm dd bankruptcywithdrawdate date required date the bankruptcy was withdrawn format yyyy mm dd forbearancestartdate date required date the loan entered the forbearance status format yyyy mm dd forbearanceenddate date required date the loan exited the forbearance status format yyyy mm dd forbearanceduration integer required duration of the forbearance period duration type has to be indicated in the forebearancedurationtype field forebearancedurationtype integer required indicator that identifies the duration type reported in the forbearanceduration field 1 days 2 months 3 years forbearancereason alphanumeric required reason for the forbearance modifications field description scraflag alphanumeric required flag indicating that scra applies to this loan y or n only scrarate number up to 2 decimals required modified rate during the scra period y or n scrabegindate date required date the scra period begins format yyyy mm dd scraenddate date required date the scra period ends format yyyy mm dd modflag alphanumeric required flag indicating the loan was modified only the most recent modification should be provided y or n only modstatus alphanumeric required flag indicating whether the modification is active only the most recent modification should be provided y or n only modtype number up to 2 decimals required code indicating the type of loan modification only the most recent modification should be provided 1 rate 2 payment deferral 3 principal reduction 4 term adjustment 5 payment adjustment 6 other moddescr alphanumeric required description of the specific modification made only the most recent modification should be provided modrate number up to 2 decimals required the new rate, post modification only most recent modification should be provided modpmt number up to 2 decimals required the new payment, post modification only the most recent modification should be provided modterm integer required the new term, post modification only the most recent modification should be provided modbal number up to 2 decimals required the new principal balance, post modification only the most recent modification should be provided modfinalpmt number up to 2 decimals required the new final payment, if applicable, post modification only the most recent modification should be provided modmaturitydate date required the new maturity, post modification only the most recent modification should be provided format yyyy mm dd settlement field description settlementdate date required date the loan was settled with the borrower format yyyy mm dd settlementamount numeric required the portion of the balance agreed upon that will be paid by the borrower settlementamountpaid numeric required the portion of the balance agreed upon that has already been paid by the borrower forgivenamount numeric required the portion of the balance that won't be collected due to the settlement agreement (as of the agreement date) unpaidsettlementbalance numeric required the outstanding amount remaining of the agreed upon settlement amount extrafields alphanumeric optional json blob allowing for all extra fields the blob must exclude text delimiters and line feeds any changes/additions to this field must go through change management