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

AttributesActionDate
IssuingBankAddedOctober 21, 2021
ForbearanceDuration
ForbearanceDurationType
ExtraFields
AddedJune 16, 2021
ForbearanceDurationMonthsRemovedJune 16, 2021

Identification

FieldDescription
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

FieldDescription
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

FieldDescription
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

FieldDescription
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

FieldDescription
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

FieldDescription
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

FieldDescription
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

FieldDescription
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.