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 [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

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.