IssuingBank

Added

October 21, 2021

ForbearanceDuration
ForbearanceDurationType
ExtraFields

Added

June 16, 2021

ForbearanceDurationMonths

Removed

June 16, 2021

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.

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

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.

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.

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

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.

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

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.