Servicing reports

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 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 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 introducing v2 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 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 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