What are the loans field mappings?

Field Name:

Description:

Account

Loan Account. Enter a unique account number. (Maximum of 10 alpha-numeric characters including "-" and ".")

AccrualMethod

Periodic Interest Accrual Method. The valid options are:

0 = Regular Period. Select this option to accrue interest for a full period regardless of when the payment is received.

1 = Due Date. Select this option to accrue interest on actual number of days between paid-to date and due date regardless of when the payment is received.

2 = Received Date.  Select this option to accrue interest on actual number of days between paid-to date and payment received date.

ACH_AccountNumber

Bank Account Number. Enter the number of the bank account from where the borrower's payment is to be withdrawn. (Maximum of 17 characters)

ACH_AccountType

Account Type. 0 = Checking, 1 = Savings

ACH_ApplyAs

Apply Debit As. Determines how the borrower's ACH debit will be applied.

0 = Regular Payment. Apply the ACH debit as the loan's next regular payment.

1 = To Trust. Do not apply the ACH debit as the next regular payment. Instead, simply deposit the debit amount into the loan's trust balance.

ACH_DebitAmount

Debit Amount. Amount to be debited from the borrower's account.

ACH_DebitDueDay

Debit Due Day. Enter the day of the month (1-31) on which the debit must occur. This selection only applies to Monthly, Quarterly, Bi-Monthly, Semi-Yearly and Yearly debit frequencies. It ensures that debits occur on this day regardless of the number of days in the current month.

ACH_Frequency

Debit Frequency. Enter how often to debit the borrower's account. The available selections are:

0 = Once Only

1 = Monthly

2 = Quarterly

3 = Bi-Monthly

4 = Bi-Weekly

5 = Every 15 days

6 = Semi-Yearly

7 = Yearly

8 = Weekly

9= Twice per month

10 = 15th & EOM 

ACH_IndividualId

Individual Id. Enter the loan account number.  (Maximum of 15 characters)

ACH_IndividualName

Individual Name. Enter the borrower's name. (Maximum of 22 characters)

ACH_NextDebitDate

Next Debit Date. Enter the date when the next debit is to occur.

ACH_RoutingNumber

Routing Number. Enter the number of the bank or financial institution from where the borrower’s payment should be withdrawn. (Maximum of 9 characters)

Refer to the image below to locate the borrower's bank routing number from a sample check.

ACH_ServiceStatus

Service Status. Indicates the status of the borrower's ACH settings. Select one of the following from the list:

        0 = None

        1 = Active

        2 = Cancelled

        3 = Hold

ACH_StopDate

Stop Date. Enter the date on which borrower debits will stop. Leave this field blank to continue debiting this borrower's account for the term of the loan or until paid.

ACH_UseDebitAmount

Use Debit Amount. Set to 1 to enter an arbitrary amount or 0 to always debit the borrower's bank account with the current regular payment amount due.

AmortType

Amortization Type. Valid options are:

        0 = UNK (Unknown)

        1 = FAM (Fully Amortized Mortgage)

        2 = PAM (Partially Amortized Mortgage)

        3 = IOM  (Interest Only Mortgage)

        4 = CAM (Constant Amortization Mortgage)

ARM_CarryoverAmount

Carryover Amount. Enter the balance (unused) carryover rate.

ARM_CarryoverEnabled

Carryover Enabled. Enter 1 if the loan has a carryover clause; otherwise enter 0.

ARM_Ceiling

Ceiling (also known as Life Cap). The ceiling is the maximum percentage to which the note can rise.

ARM_FirstNoticeDate

Date First Notice Sent. Enter the date the first notice was sent or leave it blank.

ARM_Floor

Floor. The floor indicates the minimum interest rate on the loan.

ARM_IndexRate

Index. The index rate currently in effect.

ARM_IsOptionARM

Option ARM. Enter 1 if this loan is an Option ARM and you want to provide additional payment options when generating a borrower payment statement; otherwise enter 0.

ARM_LookBackDays

Index Look Back Days. Integer.

ARM_Margin

Margin. The amount added to the index to establish the adjusted interest rate.

ARM_NegAmortCap

Negative Amortization Cap. Enter the maximum percentage of the original loan amount to which the balance can rise.

ARM_NoticeLeadDays

Notice Lead Days. Enter the numbers of days before the adjustment to send the notice.

ARM_PaymentAdjustment

Payment Adjustment. Enter 1 if this loan includes payment changes as well as rate changes; otherwise enter 0.

ARM_PaymentCap

Payment Cap. Enter here the maximum percentage of the previous payment amount the payment can adjust at each payment adjustment.

ARM_PaymentChangeFreq

Payment Change Frequency. The number of months between payment adjustments. For example, if the payment can adjust every year, enter 12 months.

ARM_PaymentChangeNext

Next Payment Adjustment. Enter the date of the next payment adjustment.

ARM_RateChangeFreq

Rate Change Frequency. The number of months between each periodic rate adjustment after the first.  For example, if the rate can only adjust every 6 months, enter 6 as the adjustment frequency.

ARM_RateChangeNext

Next Rate Change. Enter the date for the next rate adjustment.

ARM_RateFirstChgActive

First Rate Change Active. Enter 1 if the first-payment caps are to be applied on the next rate change. Enter 0 for loans added to the system for which the first payment cap has already been applied.

ARM_RateFirstChgMaxCap

First Rate Change Maximum Cap. The maximum percentage that the rate can increase the first time the rate changes.

ARM_RateFirstChgMinCap

First Rate Change Minimum Cap. The maximum percentage that the rate can decrease the first time the rate changes.

ARM_RatePeriodicMaxCap

Rate Change Maximum Cap. The maximum percentage that the rate can increase (after the first rate change) from one adjustment period to the next.

ARM_RatePeriodicMinCap

Rate Change Minimum Cap. The maximum percentage that the rate can decrease (after the first rate change) from one adjustment period to the next.

ARM_RateRoundFactor

Rounding Factor. Indicate the nearest fraction of a percent by which the calculations should be rounded. For example, to round to 1/8 of a percent, enter .125 as the rounding factor.

ARM_RateRounding

Rate Rounding. Rounding method choices are:

0 = None - No rounding. The number is truncated to 3 decimals.

1 = Up - Rounded up to the nearest rounding factor.

2 = Down - Rounded down to the nearest rounding factor.

3 = Nearest - Rounded (up or down) to the nearest rounding factor.

ARM_RecastFreq

Recast Frequency. Recasting is usually set at pre-determined intervals (often 5 years). For example, if the loan recasts in 5 years enter 60 months.

ARM_RecastNextDate

Next Recast Date. Enter the effective date for the next recast.

ARM_RecastPayment

Recast Payment. Enter 1 to recalculate the payment’s P & I and ensure the loan is paid off within the original term when negative amortization exists.

ARM_RecastStopDate

Stop Recast Date. Enter the date for the last recast.

ARM_RecastToDate

Next Recast Date. Enter the date for the next recast.

ARM_SendRateChangeNotice

Send Change Notice. Enter 1 to provide borrowers with adjustment notices when a interest rate adjustment and/or payment change is due; otherwise enter 0.

ARM_UseRecastToDate

Recast To Date. Enter 1 to recast the payment to a date other than the loan's maturity date; otherwise enter 0.

Article7

Article7. Enter 1 if the loan falls under Article 7 of the California B & P Code Section 10240.1 and 10240.2; otherwise enter 0.

AutoPayUnpaidInterest

Pay Unpaid Interest Automatically. Enter 1 to automatically pay any balances held in the Unpaid Interest field when a borrower's payment is posted; otherwise enter 0.

BookingDate

Booking. Enter the date in which this loan was booked or entered into the system.

CanadianAmortization

Canadian Amortization. Enter 1 to accrue interest based on the Canadian Amortization rules; otherwise enter 0.

Categories

Categories are keywords or small phrases separated by semicolons that help you segregate loans into meaningful groups. Loans can be assigned more than one category.

CDFIReporting

CDFI Reporting. Enter 1 to enable CDFI reporting; otherwise enter 0.

City

City. Enter borrower's city. (Maximum of 50 characters)

ClosingDate

Closing Date. Enter the date the loan closed and funds were disbursed to the borrower. Generally, this is the date interest begins to accrue.

CON_CompletionDate

Construction Completion Date. Enter the expected completion date for the project.

CON_ConstructionLoan

Construction Loan Amount. Enter the construction loan amount. Generally, this is the maximum loan amount.

CON_ContractorLicNo

Construction Contractor's License. Enter the contractor's license number. (Maximum of 20 characters)

CON_JointCheck

Construction Joint Check. Enter 1 to use joint checks; otherwise enter 0. All joint checks are made payable to the borrower AND the vendor.

CON_ProjectDescription

Construction Project Description. Enter a description for the project. (Maximum of 255 characters)

CON_ProjectSQFT

Construction Project SQFT. Enter the square footage of the project.

CON_Revolving

Construction Revolving. Enter 1 for revolving construction loans; otherwise enter 0. 

DeliveryOptions

Delivery Options. The available options are:

0 = None

1 = Print

2 = E-mail

3 = Print & E-mail

DiscRecapMethod

Unearned Discount Accrual Method. Methodology used to calculate the discount earned. The available options are listed below. 

0 = None

1 = Discount Ratio

2 = Remaining Term

3 = At Maturity

Documentation

Documentation. (Maximum of 30 characters)  

DueDay

Day Due. Enter the day of the month on which payments are due.

EmailAddress

Email Address. Enter borrower's e-mail address. (Maximum of 255 characters)

EmailFormat

Email Format. Enter the e-mail delivery format. Available options are 0=Plain Text, 1=HTML.

EscrowStatementNext

Escrow Analysis Next Computation Period. Enter the month and year when you must perform an aggregate escrow account analysis and print the Annual Escrow Account Disclosure Statement.

EscrowStatementSend

Perform Escrow Analysis. Enter 1  to perform aggregate escrow account analysis; otherwise enter 0.

FICO

FICO Score. Enter the primary borrower's FICO score.  Generally, this value is based on the reported credit scores and guidelines used for underwriting.

FirstName

First Name. Enter borrower's first name. (Maximum of 30 characters)

FirstPaymentDate

First Payment Date. Enter the date of the first payment.

FullName

Full Name. Enter the primary borrower's full name. (Maximum of 64 characters)

LastName

Last Name. Enter borrower's last name. (Maximum of 30 characters)

LateChgDaily

Late Charge Additional Daily Amount. Enter an additional amount to be charge for each day after the grace period.

LateChgDays

Late Charge Number of Grace Days. Enter the number of days after the due date before a late charge is assessed. The default number of grace days is 10.

LateChgLenderPct

Percentage of Late Charge Distributed to Lenders. The percentage of late charges collected to be distributed to lenders according to their ownership. For example, if half of the late charges collected must be distributed to the funding lenders, then enter 50.

LateChgMethod

Late Charge Methodology. The late charge methodology is used to determine if a payment should be assessed a late fee. The options are:

        0 = Default

        1 = RegAA

        2 = CC 2954.4 (California)

LateChgMin

Minimum Late Charge. Enter the minimum amount for the late charge.

LateChgPct

Percentage of P & I. If the late charge is a percentage of the P & I portion of the regular payment, enter the percentage here. For example, enter 6 to assess a 6% late charge.

LateChgVendorPct

Percentage of Late Charge Distributed to Originating Vendor. The percentage of late charges collected to be distributed to the originating vendor.

LoanCode

Loan Code. Enter a loan code. (Maximum of 15 characters)

LoanOfficer

Loan Officer. Enter the name of the loan officer associated with this loan. (Maximum of 64 characters)

LoanPurpose

Loan Purpose. (Maximum of 30 characters)

LoanType

Loan Type. The options are:

        0 = Other (Unknown)

        1 = Conventional

        2 = Construction

        3 = Line of Credit / HELOC

        4 = Commercial

LOC_BilledToDate

Billed Through Date. Enter the date finance charges have been assessed through (inclusive). 

LOC_BillingFreq

Frequency. The billing frequency determines how often finance charges are assessed and billing statements generated. The options available are:

-1 = None

 0 = Monthly

 1 = Quarterly

 2 = Semi-Yearly

 3 =Yearly

LOC_BillingStartDay

Start Day. The day of the month in which the billing cycle starts. Note that values between 28 and 31 may not occur each month in which case the last day of the month will be used instead.

LOC_CalculationMethod

Calculation Methodology. The method used to calculate and assess finance charges. The options are:

0 = Daily Balance

1 = Average (Daily) Balance

2 = Lowest (Daily) Balance

3 = Highest (Daily) Balance

LOC_CreditLimit

Credit Limit. The maximum amount the borrower can have outstanding at any one time.

LOC_DrawFeeMin

Draw Fee Minimum. The minimum transaction fee to be assessed per draw.

LOC_DrawFeePct

Draw Fee as % of Draw. The transaction fee to be assessed as a percentage of the total amount of the draw.

LOC_DrawFeePlus

Draw Fee Plus. The dollar amount to be assessed in addition to the calculated % of draw.

LOC_DrawMaximum

Draw Fee Maximum. The largest amount of money that can be advanced when recording a draw.

LOC_DrawMinimum

Draw Fee Minimum. The smallest amount of money that can be advanced when recording a draw.

LOC_DrawPeriod

Draw Period. The period of time in months during which advances can be made.

LOC_EarlyClosureAmount

Early Closing Fee. The dollar amount to be charged as a penalty if the line of credit is closed early.

LOC_EarlyClosureMonths

Early Closure Months. Number of months in which the early closure fee applies.

LOC_ExcludeFinanceCharges

Exclude Finance Charges. Enter 1 to exclude finance charges from finance charge computation; otherwise enter 0.

LOC_ExcludeImpoundBalances

Exclude Impound Balances. Enter 1 to exclude impound account balances from finance charge computation; otherwise enter 0.

LOC_ExcludeLateCharges

Exclude Late Charges. Enter 1 to exclude unpaid late charges from finance charge computation; otherwise enter 0.

LOC_ExcludeReserveBalances

Exclude Late Charges. Enter 1 to exclude reserve account balances from finance charge computation; otherwise enter 0.

LOC_MaintenanceFeeAmount

Maintenance Fee Amount. The periodic amount charged as a maintenance fee for servicing the line of credit.

LOC_MaintenanceFeeFreq

Maintenance Fee Frequency. The frequency determines how often the maintenance fee is charged and is used to automatically increment the next due date field. The options available are:

0 = Monthly

1 = Quarterly

2 = Yearly

LOC_MaintenanceFeeNextDue

Maintenance Fee Next Due Date. Enter the date when the next maintenance fee must be charged.

LOC_PayAmountMethod

Pay Amount Methodology. Applies on to commercial loans. The options below determine how the borrower's payment amount due is calculated during billing.

       0 = Interest calculated at note rate

       1 = Fixed payment amount

       2 = Fixed rate

       3 = Note rate +/- modifier

LOC_PayAmountValue

Pay Amount Value. Enter Payment Amount. Applies on to commercial loans.

LOC_RepaymentPeriod

Repayment Period. The period of time in months in which the outstanding balance, accrued interest and any unpaid charges must be paid. The repayment period begins at the end of the draw period and ends on the loan's maturity date.

LOC_UseDrawFee

Draw Fee Enabled. Enter 1 to charge a draw fee; otherwise enter 0.

LOC_UseDrawMaximum

Draw Maximum Enabled. Enter 1 to enable maximum draw amount; otherwise enter 0.

LOC_UseMaintenanceFee

Maintenance Fee Enabled. Enter 1 to enable charging a maintenance fee; otherwise enter 0.

MaturityDate

Maturity Date. Enter the maturity date for the loan. This is the date on which the loan must be paid in full.

MI

Middle Initial. Enter borrower's middle initial. (Maximum of 1 character)

NegAmortToInterest

Add Negative Amortization To. Enter 1 to add negative amortizations to unpaid interest; otherwise enter 0 to add negative amortizations to the principal balance.

NextDueDate

Next Payment Due Date. Enter the date of the next scheduled payment.

NextRevision

Next Revision Date. Enter the date of the next scheduled revision.

NoteRate

Note Rate. Enter the loan's annual interest rate. This is the interest rate use to calculate borrower's interest due.

OrigBal

Original Balance. Enter the original amount of the loan.

PaidOffDate

Paid Off Date. If entering a paid loan, enter the date the loan was paid off. For active loans, leave this field empty.

PaidToDate

Interest Paid To. Enter the date interest is paid to. This date is always in arrears and a period earlier than the Next Payment Due date. For example, the paid to date for a loan with a monthly frequency and a next payment due date of 5/1/2007 is 4/1/2007. This field does not apply to Lines of Credit or Construction loans.

PhoneCell

Cell Phone Number. Enter borrower's phone number. (Maximum of 20 characters)

PhoneFax

Fax Phone Number. Enter borrower's phone number. (Maximum of 20 characters)

PhoneHome

Home Phone Number. Enter borrower's phone number. (Maximum of 20 characters)

PhoneMain

Primary Phone Number: 0 = Home, 1 = Work, 2 = Cell and 3 = Fax.

PhoneWork

Work Phone Number. Enter borrower's phone number. (Maximum of 20 characters)

PlaceOnHold

Hold. Enter 1 to place this loan on hold; otherwise enter 0.

PmtFreq

Payment Frequency.  The available options are:

• None

• Weekly (Not supported for lines of credit, commercial or construction)
• Bi-Weekly  (Not supported for lines of credit, commercial or construction)

• Monthly
• Quarterly

• Semi-Yearly
• Yearly

PmtImpound

Trust Impound. Enter the amount of the total regular payment to be applied towards Impound.

PmtPI

P & I. Enter the amount of the total payment to be applied towards principal and interest.

PmtReserve

Trust Reserve. Enter the amount of the total regular payment to be applied towards Reserve.

PrepayExp

Prepayment Penalty Expires. Enter the date in which the prepayment penalty expires. A prepayment penalty will not be assessed on or after this date.

PrepayFrom

Calculate Prepayment Penalty Using. 0 = Principal Balance, 1 = Original Balance.

PrepayLenderPct

Distribute to Lenders. The percentage of prepayment penalty collected to be distributed to lenders according to their ownership. For example, if half of the prepayment penalty collected must be distributed to the funding lenders, then enter 50.

PrepaymentPenalty

Prepayment Penalty Enabled. Enter 1 to enable prepayment penalty calculation; otherwise enter 0.

PrepayMon

Prepayment Penalty Months. Enter number of months used to calculate the prepayment penalty.

PrepayPct

Prepayment Penalty Percentage. Enter percentage used to calculate the prepayment penalty.

PrepayTest

Calculate Prepayment Penalty Using. 0 = Principal Balance, 1 = Original Balance.

PrepayVendorPct

Distribute to Originating Vendor. The percentage of late charges collected to be distributed to the Originating Vendor.

Priority

Loan Priority. Enter 1 through 8 or 9 for "Other".

Property_APN

Property Assessor's Parcel Number. (Maximum of 20 characters)

Property_AppraisalDate

Property Appraisal Date. Enter the date of the last appraisal.

Property_AppraiserFMV

Property Appraised Value. Enter the appraised value of the property.

Property_City

Property City. Enter property city. (Maximum of 50 characters)

Property_County

Property County. Enter the county where the property is located. (Maximum of 50 characters)

Property_Description

Property Description. Enter a property description. (Maximum of 64 characters)

Property_LegalDescription

Property Legal Description. Enter the property's legal description.

Property_LTV

Property LTV. Enter the loan-to-value rate.

Property_Occupancy

Property Occupancy. (Maximum of 30 characters)

Property_PledgedEquity

Property Pledged Equity. Enter the amount of equity on this property securing the loan.

Property_Priority

Property Priority. Enter 1 through 8 or 9 for "Other".

Property_PropertyType

Property Type. (Maximum of 30 characters)

Property_State

Property State. Enter the property state.

Property_Street

Property Street. Enter property street address. (Maximum of 64 characters)

Property_ThomasMap

Property Thomas Map. The map coordinates used in the Thomas Guides map book to locate the property. (Maximum of 15 characters)

Property_ZipCode

Property Zip Code. Enter property zip code. (Maximum of 10 characters)

Property_Zoning

Property Zoning. Enter the zoning information. (Maximum of 15 characters)

PurchaseDate

Purchase Date. If applicable, enter the date the loan was purchased, otherwise leave it blank.

RateType

Rate Type.

0 = Unknown.

1 = Fixed Rate.

2 = Adjustable Rate.

3 = Graduated Terms.

RESPA

RESPA. Enter 1 to flag loan as RESPA; otherwise enter 0.

Salutation

Borrower's Salutation. Enter a salutation field. (Maximum of 50 characters)

Section32

Section 32. Enter 1 to flag loan as Section 32; otherwise enter 0.

Section4970

Section 4970. Enter 1 to flag loan as Section 4970; otherwise enter 0.

Send1098

Tax Reporting. Enter 1 to print tax forms for this borrower; otherwise enter 0.

SendLateNotices

Send Late Notices. Enter 1 to print (or e-mail) late notices to this borrower; otherwise enter 0.

SendPaymentReceipt

Send Payment Receipts. Enter 1 to print payment receipts for this borrower; otherwise enter 0.

SendPaymentStatement

Send Payment Statements. Enter 1 to print (or e-mail) payment statements for this borrower; otherwise enter 0.

SoldRate

Sold Rate. Enter the annual interest rate to pay participating lenders.

State

Borrower's State. Enter borrower's state.

Street

Borrower's Street. Enter borrower's mailing street address. (Maximum of 64 characters)

TIN

Borrower's TIN. Enter borrower's tax identification number. (Maximum of 11 characters)

TINType

TIN Type. The options codes to identify the recipient type used for tax reporting:

UnearnedDisc

Unearned Discount. Enter the amount of the unearned the discount. This amount will be updated automatically as payments are entered according to the Accrual Method selected.

UnpaidInterest

Unpaid Interest. This is the total amount of unpaid interest due on this loan.

UnpaidLateCharges

Unpaid Late Charges. This is the total amount of late charges that have been assessed but not yet paid. Do not include accrued late charges (i.e., late charges on payments that have not been received).

Use30DayMonths

Calculate Days Between Dates Using. Enter 1 to treat each month as having 30-days, so a period from February 1, 2007 to March 1, 2007 is considered to be 30 days; otherwise enter 0 to use actual days.

Use365DailyRate

Calculate Daily Rate Using. Enter 1 to calculate daily interest based on a 365 day year basis; otherwise enter 0 to a 360 day year basis.

UseSoldRate

Sold Rate Enabled. Enter 1 to enable the use of sold rate; otherwise enter 0.

UseUnpaidInterest

Use Unpaid Interest. Enter 1 to accrue interest on any balances held in unpaid interest; otherwise enter 0.

WPC_PIN

Web Publishing Central PIN. (The PIN can be up to 10 alpha numeric characters)

WPC_Publish

Web Publishing Central Publish. Enter 1 to publish this borrower; otherwise enter 0.

ZipCode

Borrower's Zip Code. Enter borrower's zip code. (Maximum of 10 characters)