--- title: Servicing reports slug: apis/lending/servicing-reports description: Cross River requires daily CSV servicing snapshots for all loans, sent via SFTP. The file includes daily balances, payments, status fields, and activity per loan docTags: createdAt: 2024-08-12T08:51:51.102Z --- ## Daily servicing report Cross River requires that an MPL, or the Servicer used by the MPL, to 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](mailto\: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 :::hint{type="info"} **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 | | ----------------------------------------------------------------------- | ------- | ---------------- | | `ModStartDate, ModEndDate` | Added | April 29, 2026 | | Introducing V3 | Added | March 3, 2026 | | `IssuingBank` | Added | October 21, 2021 | | `ForbearanceDuration`
`ForbearanceDurationType`
`ExtraFields` | Added | June 16, 2021 | | `ForbearanceDurationMonths` | Removed | June 16, 2021 | ## Servicing Tape Standard V3 ### Identification | Field Name | Description | Format | Required (R)/ Optional (O) | Notes/Example (as needed) | | --------------- | ------------------------------------------------- | ------------ | -------------------------- | ----------------------------------------------------------------------------------------- | | Platform | Name of MPL | Text | R |   | |   |   |   |   |   | | MplAcctID | Loan Number | Alphanumeric | R |   | | Servicer | Name of Servicer | Text | R |   | | ServicerLoanNum | Servicer Loan Number (if applicable or different) | Alphanumeric | R | `Provide the loan number of the servicer if it is different from the loannumber in Arix.` |   ### Sale/ Transfers | Field Name | Description | Format | Required (R)/ Optional (O) | Notes/Example (as needed) | | -------------------------- | --------------------------------------------------------------------------------------------------------------------- | ----------------- | -------------------------- | --------------------------------------------------------------------- | | BeginningSubpoolId | SubpoolId as or prior report date; on day of transfer, this field will show the SubpoolId prior to the transfer | Alphanumeric | O | `For subpool transfers only` | | EndingSubpoolId | SubpoolId as or current report date; on day of transfer, this field will show the SubpoolId after the transfer | Alphanumeric | O | For subpool transfers only | | PriorOwner | Owner as of prior report date; on day of transfer, this field will show the owner prior to the transfer | Alphanumeric | R | CRB-HFS, CRB-LTHFS, CRB-Retained, Other owner names or investor codes | | CurrentOwner | Owner on current report date; on day of transfer, this field will show the owner after the transfer | Alphanumeric | R | CRB-HFS, CRB-LTHFS, CRB-Retained, Other owner names or investor codes | | CurrentTransferedInterest | Interest Transferred in the sale or subpool transfer | Numeric | O | For transfer only | | CurrentTransferedPrincipal | Principal Transferred in the sale or subpool transfer | Numeric | O | For transfer only | | CurrentTransferDate | Date loan is sold/ transferred to new owner or subpool; this field should only be populated on the day after transfer | Date\[yyyy-mm-dd] | O | For transfer only |   ### Loan Terms | Field Name | Description | Format | Required (R)/ Optional (O) | Notes/Example (as needed) | | ---------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------- | -------------------------- | --------------------------------------------------------------------------------------------------------- | | ContractDate | Note Date | Date\[yyyy-mm-dd] | R |   | | FirstFundedDate | Date of Funding; for loans that are disbursed on multiple days, FirstFundedDate is the date of first disbursement and MostRecentFundedDate is the date of the most recent disbursement.  For loans funded in a single disbursement, FirstFundedDate = MostRecentFundedDate | Date\[yyyy-mm-dd] | R | Yes for multi draws.
Not required for single draw | | MostRecentFundedDate | Date of most recent disbursement; if loan is funded in a single disbursement, this is the same as FirstFundedDate | Date\[yyyy-mm-dd] | R |   | | Boarding Date | Date the loan is boarded to the servicing system | Date\[yyyy-mm-dd] | R |   | | OriginalMaturityDate | Date of final loan maturity, per the loan agreement | Date\[yyyy-mm-dd] | R |   | | CurrentMaturityDate |  In case of no modifications this should equal OriginalMaturityDate. If loan is modified this should reflect the modified maturity date | Date\[yyyy-mm-dd] | R |   | | Vintage  | Month of Note | Date – numeric
\[yyyymm] | O |   | | OriginalLoanAmount | Gross Loan Amount | Numeric | R |   | | OriginalFundedAmount | Net Funding to Borrower | Numeric | R | Up to 2 decimals | | CurrentDisbursementAmount | Aggregated total of all disbursed amounts so far for this loan. For loans funded in a single disbursement, this equals loan amount. | Numeric | R | Required for cumulative disbursed amounts for multidraws. If single draw loan, this is optional | | CurrentDisbursementCount | Count of disbursements funded for this loan; for loans funded in a single disbursement, this is 1. | integer | R | Required for multidraws
If single draw this will be 1 | | OriginalScheduledPeriodicPmt | Borrower's Required Periodic Payment per the original amortization schedule | Numeric | R | Up to 2 decimals | | CurrentScheduledPeriodicPmt | Borrower's Required Periodic Payment per the current amortization schedule | Numeric | R | Required for modified loans, Optional else. | | OriginalScheduledFinalPmt | Borrower's Required Final Payment per the original amortization schedule | Numeric | O |   | | CurrentScheduledFinalPmt | Borrower's Required Final Payment per the current amortization schedule | Numeric | R | Required for modified loans, Optional else. | | PaymentFrequency | Frequency of regularly scheduled payments, per the amortization schedule; monthly, bimonthly, weekly, biweekly | Text | R | monthly, bimonthly, weekly, biweekly | | OriginalInterestRate | Original Note Rate | Numeric | R | Up to 2 decimals | | CurrentInterestRate | Current Interest Rate
If not modified, then this should equal OriginalInterestRate | Numeric | R |   | | InterestAccrualMethod |   | Alphanumeric | R | Actual 360, Actual 365 | | OriginalBorrowerState | State in which the loan was originated | Alpha (xx) | O | ie. NY | | CurrentBorrowerState | State where the borrower currently resides | Alpha (xx) | R | `Required if client moved.` | | OriginalFicoScore | Fico at origination  | Numeric | R
  | Required if client uses Fico score. Otherwise no need | | OriginalFicoScoreDate | Date that FICO was pulled at origination | Date\[yyyy-mm-dd] | R
  | `Required if client uses Fico score. Otherwise no need` | | OriginalVantageScore | Vantage Score at origination | Numeric | R | Yes if client uses Vantage score. Otherwise no need | | OriginalVantageScoreDate | Date that Vantage Score was pulled at origination | Date\[yyyy-mm-dd] | R | Required if client uses Vantage score. Otherwise no need | | UpdatedFicoScore | Last FICO score pulled; should only be populated if new FICO was pulled | Numeric | R | Required if updated | | UpdatedFicoScoreDate | Date of Last FICO score pull ; should only be populated if new FICO was pulled | Date\[yyyy-mm-dd] | R | Required if updated | | UpdatedVantageScore | Last Vantage score pulled; should only be populated if new Vantage score was pulled | Numeric | R | Required if client uses Vantage score. Otherwise no need | | UpdatedVantageScoreDate | Date of Last Vantage score pull; should only be populated if new Vantage score was pulled | Date\[yyyy-mm-dd] | R | Required if client uses Vantage score. Otherwise no need | | PreDTIExMortgage | DTI excluding Mortgage pre-loan | Numeric (Decimal) | O |   | | PreDTIInMortgage | DTI including Mortgage pre-loan | Numeric (Decimal) | O |   | | PreDTIDate | DTI date pulled pre-loan | Date\[yyyy-mm-dd] | O |   | | PostDTIDate | DTI date pulled post-loan | Date\[yyyy-mm-dd] | O |   | | PostDTIExMortgage | DTI excluding Mortgage post-loan | Numeric (Decimal) | O |   | | PostDTIInMortgage | DTI including Mortgage post-loan | Numeric (Decimal) | O |   | | OriginalCreditGradeInternal | Internally Assigned Credit Rating, (loan grade)  | Numeric or Alphanumeric | R | Required- if applicable | | CurrentCreditGradeInternal |   | Numeric or Alphanumeric | R | Required- if applicable | | OriginationFeePct | Origination Fee % | Numeric | O | Up to 2 decimals (ex: 1.25% ) | | OriginationFeeAmt | Origination Fee $ | Numeric | O | Up to 2 decimals | | APR | Annual Percentage Rate | Numeric | R | Up to 3 decimals  ( ex: 8.99% ) | | OriginalTerm | Number of Months to Pay Loan Before Maturity at origination | Numeric | R |   | | RemainingTerm | Number of months remaining to maturity |   | R |   | | OriginalNumScheduledPayments | Number of  Periodic Payments to maturity at origination | Numeric | R | Required for some loans with NN/NY. Otherwise it is same as Term if payment frequency is monthly. | | CurrentNumPaymentsScheduled | Number of  Remaining Periodic Payments to maturity  |   | R | Required for some loans with NN/NY. Otherwise it is same as currentTerm if payment frequency is monthly. |   ### Activity  | Field Name | Description | Format | Required (R)/ Optional (O) | Notes/Example (as needed) | | ----------------------------- | ------------------------------------------------------------------------------------------------------------------------------------- | ----------------- | -------------------------- | --------------------------------------------------------------------- | | ReportDate | this should be current date; and all balances and running monthly totals should be as of prior day | Date\[yyyy-mm-dd] | R | ie. Reporting date should be 3/1/2026 for Feb Loan Summary | | BeginningPrincipalBalance | Beginning principal loan balance for prior day | Numeric | R | Up to 2 decimals / Should equal previous day ending principal balance | | BeginningTotalBalance | Beginning Principal + Interest + Fees loan balance for prior day | Numeric | O | Up to 2 decimals | | BeginningBalancePostChargeOff | Beginning Principal balance for prior day after Charge Off.  This balance should exclude the charged off amount (if any) | Numeric | O | Up to 2 decimals | | EndingPrincipalBalance | Ending principal loan balance for prior day | Numeric | R | Up to 2 decimals | | EndingTotalBalance | Ending Principal + Interest + Fees loan balance for prior day | Numeric | O | Up to 2 decimals | | EndingBalancePostChargeOff | Ending Principal balance for prior day after Charge Off.  This balance should exclude the charged off amount (if any) | Numeric | R | Up to 2 decimals | | PeriodPrincipalPmt | Principal payments received during the current month; running monthly total | Numeric | R | Up to 2 decimals | | PeriodPrincipalAdj | Small balance adjustments made to the loan balance during the current month; running monthly total | Numeric | R | Up to 2 decimals | | PeriodPrincipalPmtScheduled | Scheduled Principal payments received during the current month; running monthly total | Numeric | R |   | | PeriodPrincipalPmtPrepaid | Prepay (non-scheduled) Principal received during the current month; running monthly total | Numeric | R |   | | PeriodInterestPmt | Interest payments received during the current month; running monthly total | Numeric | R | Up to 2 decimals | | PeriodInterestPmtScheduled | Scheduled Interest payments received during the current month; running monthly total | Numeric | R |   | | PeriodLateFeeAssessed | Amount of Late Fees Charged ; running monthly total | Numeric | O |   | | PeriodLatefeePaid | Amount of Late Fees Paid; running monthly total | Numeric | R | Up to 2 decimals | | PeriodOtherFeesAssessed | Amount of Other Fees (excluding NSF or Late Fees) Assessed; running monthly total | Numeric | O |   | | PeriodOtherFeesPaid | Amount of Other Fees (excluding NSF or Late Fees) Paid; running monthly total | Numeric | R |   | | PeriodNsfAssessed | Amount of Insufficient Funds Charged; running monthly total | Numeric | O |   | | PeriodNsfPaid | Amount Paid for Insufficient Funds  (NSF); running monthly total | Numeric | R | Up to 2 decimals | | LastPaymentReceivedDate | Day of month the last borrower payment was received  | Date\[yyyy-mm-dd] | R |   | | NextPaymentDueDate | Next Payment Due Date | Date\[yyyy-mm-dd] | R |   | | NextPrincipalDueDate | Next Principal Due Date | Date\[yyyy-mm-dd] | R | Required if principal payment deferred but need to pay interest first | | NextInterestDueDate | Next Interest Due Date | Date\[yyyy-mm-dd] | R | Required if principal payment deferred but need to pay interest first | | ChargeOffDate | Date Loan is Charged off Book | Date\[yyyy-mm-dd] | R |   | | ChargedOffPrincipalAmt | Total Principal Charged off during current month; this should only be populated during the month that the Charge off occurs | Numeric | R | Up to 2 decimals | | ChargedOffInterestAmt | Total Interest Charged off / reversed during current month; this should only be populated during the month that the Charge off occurs | Numeric | O | Up to 2 decimals | | InterestAccruedTotal | Interest accrued but not collected as of prior day | Numeric | R | Up to 2 decimals | | CumulInterestPmtLTD | Total interest payment received from the borrower since inception | Numeric | R | Up to 2 decimals | | CumulPrincipalPmtLTD | Total principal payment received from the borrower since inception | Numeric | O |   | | CumulPrincipalPmtPrepaidLTD | Total prepay principal received from the borrower since inception | Numeric | O |   | | PrincipalRecoveredAmt | Principal amount recovered after charge off; life to date | Numeric | R | Up to 2 decimals | | InterestRecoveredAmt | Interest amount recovered after charge off; life to date | Numeric | R | Up to 2 decimals | | LateFeeRecovered | Late Fee amount recovered after charge off; life to date | Numeric | R | Up to 2 decimals | | NsfFeeRecovered | NSF Fee amount recovered after charge off; life to date | Numeric | R | Up to 2 decimals | | OtherFeesRecovered | Other Fee (excluding Late Fees or NSF Fees) amount recovered after charge off; life to date | Numeric | R |   | | AverageDailyBalance | Average Loan Outstanding for the Month | Numeric | R | Up to 2 decimals |   ### Loan Status  | Field Name | Description | Format | Required (R)/ Optional (O) | Notes/Example (as needed) | | --------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ----------------- | -------------------------- | -------------------------------------------------------------- | | LoanStatus | 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 | Text | R | Client might have different codes. Please share those as well. | | DaysPastDue | Number of Days Past Due- Total  | Numeric | R |   | | DelinquencyStartDate | Date the loan entered the "Delinquent" status | Date\[yyyy-mm-dd] | O |   | | PastDuePrincipalAmt | Amount of Principal Payment(s) Past Due | Numeric | R | Up to 2 decimals | | PastDueInterestAmount | Amount of Interest Payment(s) Past Due | Numeric | R |   | | PastDueTotalAmount | Amount of Principal + Interest + Fees Past Due | Numeric | O |   | | Times1to5DPD | Number of times loan was 0 \< DPD \< = 5 | integer | O |   | | Times6to15DPD | Number of times loan was 5 \< DPD \< = 15 | integer | O |   | | Times16to30DPD | Number of times loan was 15 \< DPD \< = 30 | integer | O |   | | Times31to60DPD | Number of times loan was 30 \< DPD \< = 60 | integer | O |   | | Times61to90DPD | Number of times loan was 60 \< DPD \< = 90 | integer | O |   | | Times91to120DPD | Number of times loan was 90 \< DPD \< = 120 | integer | O |   | | Times121plusDPD | Number of times loan was 120 \< DPD  | integer | O |   | | ConfirmOfFraudDate | Date that loan was confirmed as fraudulent | Date\[yyyy-mm-dd] | R | Required - if applicable  | | FraudAmt | Total Lost to Fraud | Numeric | R | Up to 2 decimals
Required - if applicable | | ConfirmOfDeathDate | Date that death was confirmed for borrower | Date\[yyyy-mm-dd] | R | Required - if applicable |   ### Bankruptcy | Field Name | Description | Format | Required (R)/ Optional (O) | Notes/Example (as needed) | | ------------------------ | ------------------------------------------------------------------------------------------------------------------------ | ----------------- | -------------------------- | ------------------------------ | | BankruptcyStatus | Current Status of Bankruptcy as of prior day | Text | R | Required - if applicable | | BankruptcyChapter | Chapter of bankruptcy | Text | R | Required - if applicable | | BankruptcyNoticeDate | date of the bankruptcy notice | Date\[yyyy-mm-dd] | R | Required - if applicable | | BankruptcyFilingDate | date the bankruptcy was filed | Date\[yyyy-mm-dd] | R | Required - if applicable | | BankruptcyCloseDate | date the bankruptcy was closed | Date\[yyyy-mm-dd] | R | Required - if applicable | | BankruptcyCloseReason | reason the bankruptcy was closed | Text | R | Required - if applicable | | BankruptcyProcessDate | date the bankruptcy was processed | Date\[yyyy-mm-dd] | R | Required - if applicable  | | BankruptcyDischargeDate | date the bankruptcy was discharged | Date\[yyyy-mm-dd] | R | Required - if applicable | | BankruptcyDismissalDate | date the bankruptcy was dismissed | Date\[yyyy-mm-dd] | R | Required - if applicable | | BankruptcyWithdrawDate | date the bankruptcy was withdrawn | Date\[yyyy-mm-dd] | R | Required - if applicable | | ForbearanceStartDate | Date the loan entered the "Forbearance" status | Date\[yyyy-mm-dd] | R | Required for loan modification | | ForbearanceEndDate | Date the loan exited the "Forbearance" status | Date\[yyyy-mm-dd] | R | Required for loan modification | | ForbearanceDuration | Duration of the forbearance period, Duration type should be indicated in the ForebearanceDurationType field. | integer | R | Required for loan modification | | ForebearanceDurationType | Indicator identifying the duration type reported in the ForbearanceDuration field
1=Days
2=Months
3=Years | integer | R |   | | ForbearanceReason | Reason for the forbearance | Text | R |   |   ### Modifications | Field Name | Description | Format | Required (R)/ Optional (O) | Notes/Example (as needed) | | --------------- | ------------------------------------------------------------------------------------------------------------------------------ | ----------------- | -------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------- | | ScraFlag | Flag indicating that SCRA (ServiceMember Civil Relief Act) applies to this loan | Text | R | "Y" or "N" ONLY  | | ScraRate | modified rate during the SCRA period; Y or N | Numeric | R |   | | ScraBeginDate | Date the SCRA period begins | Date\[yyyy-mm-dd] | R |   | | ScraEndDate | Date the SCRA period ends | Date\[yyyy-mm-dd] | R |   | | ModFlag | Flag indicated that the loan has been modified; only most recent modifcation should be provided | Text | R | "Y" or "N" ONLY  | | ModStatus | Flag indicating whether the modification is active; only most recent modifcation should be provided | Text | R | "Y" or "N" ONLY  | | ModType | Code indicating the type of loan modification; only most recent modifcation should be provided | Numeric | R | 1= Rate
2=Payment Deferral
3=Principal reduction
4= Term Adjustment
5=Payment Adjustment
6= Debt Forgiveness
7 = Other | | ModDescr | Description of the specific modification made or Reasons for modification; only most recent modification should be provided. | Text | R | Required for all loan modifications. | | ModRate | The new rate, post modification ; only most recent modifcation should be provided | Numeric | R | Required if applicable | | ModPmt | The new pmt, post modification; only most recent modifcation should be provided | Numeric | R | Required if applicable | | ModTerm | The new term, post modification; only most recent modifcation should be provided | Numeric | R | Required if applicable | | ModBal | The new principal balance, post modification; only most recent modifcation should be provided | Numeric | R | Required if applicable | | ModFinalPmt | The new final payment, if applicable, post modification; only most recent modifcation should be provided | Numeric | R | Required if applicable | | ModMaturityDate | The new maturity, post modification; only most recent modifcation should be provided | Date | R | Required if applicable | | ModStartDate | Modification Effective Date | Date | R | Required if applicable | | ModEndDate | Modification End Date | Date | R | Required if applicable |   ### Settlement  | Field Name | Description | Format | Required (R)/ Optional (O) | Notes/Example (as needed) | | ----------------------- | ------------------------------------------------------------------------------------------------------------- | ----------------- | -------------------------- | -------------------------------------- | | SettlementDate | Date the loan was settled with the borrower | Date\[yyyy-mm-dd] | R | 2014-11-10
Required if applicable | | SettlementAmount | The portion of the balance agreed upon the WILL BE paid by the borrower. | Numeric | R |  Required if applicable | | SettlmentAmountPaid | The portion of the balance agreed upon the HAS ALREADY been paid by the borrower. | Numeric | R |  Required if applicable | | ForgivenAmount | The portion of the balance that will not be collected due to the settlement agreement (as of agreement date). | Numeric | R |  Required if applicable | | UnpaidSettlementBalance | The outstanding amount remaining of the agreed upon settlement amount. | Numeric | O |   | ### ExtraFields | Field Name | Description | Format | Required (R)/ Optional (O) | Notes/Example (as needed) | | ----------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ------ | -------------------------- | ---------------------------------------------------- | | ExtraFields | 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. | Text | O | Required if CRB needs information not covered above. |   ## Servicing Tape Standard V2 (Deprecated) ### 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. |