Servicing reports
CR requires that an MPL, or the Servicer used by the MPL, provide daily all servicing events for the loans issued by CR.
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 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 [email protected] 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
Attributes | Action | Date |
|---|---|---|
IssuingBank | Added | October 21, 2021 |
ForbearanceDuration ForbearanceDurationType ExtraFields | Added | June 16, 2021 |
ForbearanceDurationMonths | Removed | June 16, 2021 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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. |