Servicing Reports

CRB requires that an MPL or the Servicer used by the MPL, provide daily, all servicing events for the loans issued by CRB.

The servicing report should contain a record for every loan every day - it's meant to be a snapshot of each loan. The headers should be 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).
Naming convention: MplId_ServicingTape_yyyymmdd.csv, where yyyymmdd is the date of file generation.
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.

Dictionary updates

Attributes	Action	Date
IssuingBank	Added	October 21, 2021
ForbearanceDuration ForbearanceDurationType ExtraFields	Added	June 16, 2021
ForbearanceDurationMonths	Removed	June 16, 2021

Identification

Field	Description
Platform alphanumeric	Required MPL name.
MplAcctID alphanumeric	Required Unique loan number.
IssuingBank alphanumeric	Required Name of issuing bank of the loan. For CRB 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, this field will show the owner prior to the transfer.
CurrentOwner alphanumeric	Required On transfer day, this field will show the owner after the transfer.
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/transfered 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 the loan is boarded to the servicing system. 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: yyyymm
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.
OriginalNumScheduledPayments 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.
PeriodLatefeePaid number up to 2 decimals	Required Amount of late fees paid - 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 forebearance.

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.