LoanSchema
Original#
uint8 channel
The origination channel used by the originator.
max 256 types
uint16 originator
PandiFi's ID of the entity that originated the loan.
max 65,536 companies
uint32 rate
The original interest rate on a loan as identified in the original note.
max 4294.967296%
uint64 UPB
The dollar amount of the loan as stated on the note at the time the loan was originated.
max $18.4 trillion
uint16 term
The number of months in which regularly scheduled borrower payments are due at the time the loan was originated.
max 65,536 months
uint40 firstPaymentDate
The date of the first scheduled loan payment to be made by the borrower under the terms of the loan documents.
max 36835 CE
uint32 LTV
The ratio, expressed as a percentage, obtained by dividing the amount of the loan at origination by the value of the property.
max 4294.967296%
uint32 CLTV
The ratio, expressed as a percentage, obtained by dividing the amount of all known outstanding loans at origination by the value of the property.
max 4294.967296%
uint8 numberOfBorrowers
The number of individuals obligated to repay the loan.
max 256
uint8 purpose
An indicator that denotes whether the mortgage loan is either a refinance mortgage or a purchase money mortgage. Purpose may be the purchase of a new property or refinance of an existing lien (with cash out or with no cash out).
max 256 categories
uint32 DTI
The ratio obtained by dividing the total monthly debt expense by the total monthly income of the borrower at the time the loan was originated.
max 4294.967296%
uint16 creditScore
A measure of borrower credit used by the originator to qualify the loan.
max 65536
uint8 propertyType
An indicator that denotes whether the property type secured by the mortgage loan is a condominium, co-operative, planned urban development (PUD), manufactured home, or single-family home.
max 256 categories
uint8 numberOfUnits
The number of units comprising the related mortgaged property.
max 256
uint8 occupancy
The classification describing the property occupancy status at the time the loan was originated.
max 256 categories
uint8 lienPosition
An integer than indicates the lien position of a mortgage.
max 256
uint8 propertyCountryCode
PandiFi's ID of the country within which the property securing the mortgage loan is located.
max 256
uint8 propertyStateFIPS
The FIPS code indicating the state or territory within which the property securing the mortgage loan is located.
max 256 states/territories
uint16 propertyCountyFIPS
The FIPS code indicating the county within which the property securing the mortgage loan is located.
max 65,536 counties
uint24 propertyCensusTract
The FIPS code indicating the census tract within which the property securing the mortgage loan is located.
max 16,777,216 tracts
uint24 propertyMSACode
The numeric Metropolitan Statistical Area Code for the property securing the mortgage loan.
max 16,777,216 MSAs
uint24 propertyPostalCode
The numeric postal code (limited to the first three digits) designated by the U.S. Postal Service where the subject property is located.
max 16,777,216
uint8 mortgageInsurancePercentage
The original percentage of mortgage insurance coverage obtained for an insured conventional mortgage loan and used following the occurrence of an event of default to calculate the insurance benefit.
max 256%
uint8 prepaymentPenaltyIndicator
An indicator that denotes whether the borrower is subject to a penalty for early payment of principal.
max 256 categories
uint16 interestOnlyTerm
For interest-only loans, the number of months to the first scheduled principal and interest payment date.
max 65,536 months
uint8 craIncomeLevel
An indicator which identifies whether the borrower income and/or property census tract income are low, moderate, middle or upper as defined by Community Reinvestment Act.
max 256 categories
uint8 purposeSubcategory
An indicator that denotes a purpose subcategory of a loan e.g., a relocation mortgage.
max 256 categories
uint8 incomeVerificationLevel
A code indicating the extent to which the borrower’s income has been verified.
max 256 categories
uint8 mortgageInsuranceType
The entity that is responsible for the Mortgage Insurance premium payment.
max 256 types
uint8 armIndex
For adjustable-rate loans, PandiFi's ID of the index on which adjustments to the interest rate are based.
max 256 indexes
uint16 armResetTerm
For an adjustable-rate loan, the number of months between the first full month the mortgage loan accrues interest and the initial interest rate change date.
max 65,536 months
uint32 armMargin
For an adjustable-rate loan, the rate that is added to the index value to establish the new interest rate (after applying all applicable caps and floors) accruing on the loan at each interest rate change date.
|max 4294.967296%
uint8 armCapStructure
For an adjustable-rate loan, a PandiFi ID for the cap structure of the loan. The first number is the Initial Interest Rate Cap Up Percent (i.e., the maximum percentage points the interest rate can adjust upward at the initial rate change date). The second number is the Periodic Interest Rate Cap Up Percent (i.e., the maximum percentage points the interest rate can adjust upward at each interest rate change date after the initial interest rate change date). The third number is the Lifetime Interest Rate Cap Up Percent (i.e., the maximum percentage points that the interest rate can adjust upward over the life of the loan relative to the initial interest rate).
max 256 categories
uint16 balloonTerm
The number of months (if any) to the balloon payment due date.
max 65,536 months
uint32 llpaPercentage
The loan level price adjustment - expressed as a percentage of the current UPB - that is used for loan homogenization. For conventional loans, the LLPAs are identical to those used by Fannie Mae and Freddie Mac.
max 4294.967296%
uint16 program
A PandiFi ID for the originator program associated with the loan.
max 65,536 categories
uint16 product
A PandiFi ID for the product associated with the loan e.g., 1-4 family residential mortgage.
max 65,536 categories
uint40 originationDate
The date of each individual note.
max 36835 CE
uint16 thirdPartyReviewer
The third party reviewer (TPR) employed in the context of performaing loan diligence.
max 65,536 companies
uint40 thirdPartyReviewDate
The date when the TPR diligence results were delivered.
max 36835 CE
uint8 thirdPartyReviewCreditGrade
The credit grade received by the TPR.
max 256 grades
uint8 thirdPartyReviewComplianceGrade
The compliance grade received by the TPR.
max 256 grades
uint8 thirdPartyReviewValuationGrade
The property valuation grade received by the TPR.
max 256 grades
uint8 firstTimeHomebuyer
An indicator that denotes if the borrower or co-borrower qualifies as a first-time homebuyer (0 = false).
max 256 categories
`
Current#
uint256 interest
The current interest paid on the loan.
max 32 bytes
uint256 scheduledPrincipal
The current scheduled principal paid on the loan.
max 32 bytes
uint256 unscheduledPrincipal
The current unscheduled principal paid on the loan.
max 32 bytes
uint256 recovery
The current recovery amount paid on the loan in the context of a prior credit event.
max 32 bytes
uint256 expenses
The total expenses retained by PandiFi to cover costs associated with servicing.
max 32 bytes
uint256 total
Sum of above
uint256 writedown
UPB writedown in the current period.
max 32 bytes
uint256 deferredUPB
deferredUPB on the loan, typically associated with a loan modification.
max 32 bytes
`
CashFlow#
bytes32 payHistory
The coded string of values that describes the payment performance of the loan over the most recent 32 months. The most recent month is located to the left.
Exactly 32 months
uint40 firstDelinquencyDate
The earliest date that the borrower failed to make a scheduled payment on the loan.
max 36835 CE
uint64 UPB
The dollar amount of the loan as after the last servicing event.
max $18.4 trillion
uint40 firstModificationDate
The earliest date that the loan was modified.
max 36835 CE
uint32 servicingFee
The monthly fee paid to the servicer to collect borrower payments.
max $4295 per month
uint32 rate
The current intereste rate accruing on the loan.
max 4294.967296%
uint16 servicer
PandiFi's ID of the entity that serviced the loan in the current period.
max 65,536 companies
uint16 creditScore
A measure of borrower credit received by the servicer at a date post-issuance.
max 65536
uint8 rateAccrualType
A field that indicates how the loan is currently accruing interest e.g., a value of "1" indicates that the loan is currently accruing interest based on an adjustable rate (i.e., index plus margin).
max 256
`
TokenData#
uint256 lastCreditScoreChangeDate
The last date on which the Current.creditScore changed.
max 36835 CE
uint256 dateAtIssuance
The last date when the loan token was minted.
max 36835 CE
uint256 UPBAtIssuance
The UPB of the loan when it was minted.
max $18.4 trillion
uint256 lastUpdate
The last date when the loan was serviced on the blockchain i.e., when receiveCashFlow was called successfully token was minted.
max 36835 CE
Original original
see above
Current current
see above
`