T-REX data dictionaries ensure users quick access to assess and gain insights into a variety of different metrics. The dictionaries allow users to match their original fields with the standardized T-REX field and definition they will see on the platform.
| Titan Field Name | Calculated or Raw | Asset Type | Field Description | Conditions | Calculation | Data_Type | Notes |
| Report Date | Raw | Account | The date of the servicer report/cashflow report | DATE | |||
| Sanctioned Person Flag | Raw | Account | Flag indicating whether a customer is on the OFAC's SDN and Blocked Persons List (map to Yes/No) | TEXT | Mapping: "0": "No" "1": "Yes" | ||
| No SSN-ITIN | Calc | Account | An asset level calculation to determine the percent of the pool outstanding balance is attributed to accounts without SSN or ITIN | When Y = "No" AND Z = "Yes" | Then (X / Sum (X)) *100 for entire collateral collection Else 0 | NUMBER | X: Eligible Loan Balance Y: SSN Flag Z: ITIN Flag |
| Spend Increase | Raw | Account | The amount of spend increase. | CURRENCY | |||
| Vintage Qtr | Calc | Account | Assign the year and quarter based on X in the form yyyyQ#, where # is based on the following: 1 for a month in Jan, Feb, Mar 2 for a month in Apr, May, Jun 3 for a month in Jul, Aug, Sep 4 for a month in Oct, Nov, Dec | TEXT | X: Seasoning Start Date | ||
| Hardship Principal Adjustment | Raw | Account | CURRENCY | ||||
| Delinquency 1 Month Prior | Calc | Account | Prior period delinquency category | TEXT | Record the prior period "Delinquency Category" value for each asset | ||
| Prior Statement Date | Raw | Account | prior month statement date | DATE | |||
| Seasoning Start Date | Calc | Account | DATE | IF Account Created Date < Jan 11, 2021, THEN use Jan 11, 2021 ELSE use Account Created Date Set the date to the 1st of the month. | |||
| Returned Fee | Raw | Account | Fees accrued for returns. | CURRENCY | |||
| Finance Fees | Raw | Account | CURRENCY | ||||
| Beginning Balance | Raw | Account | Beginning Balance of a note or account. | CURRENCY | NULL if field shows #NUM or any other value that is not a number | ||
| Principal Payment Reversal | Raw | Account | Principal payments which did not process. | CURRENCY | |||
| APR | Calc | Account | Annual Percentage Rate | X * 100 | NUMBER | X: initial_apr | |
| Effective APR | Calc | Account | The real return when the effects of compounding over time are taken into account. | X * 100 | NUMBER | X: effective_apr | |
| Current Statement Date | Raw | Account | current month statement date | DATE | |||
| Charged-Off Principal Amount | Raw | Account | The amount of the principal balance which was charged-off. | CURRENCY | |||
| Current Default Flag | Raw | Account | Indicates if a loan is in default. Field output is Yes/No. | TEXT | Mapping: "0": "No" "1": "Yes" | ||
| Prior Month Minimum Payment Due | Raw | Account | Minimum payment due prior month | CURRENCY | NULL if field shows #NUM or any other value that is not a number | ||
| Current Charged-Off Principal Amount | Calc | Account | Abs(Y - X) | CURRENCY | X: charged_off_principal_amount_bop Y: charged_off_principal_amount_eop | ||
| WA Credit Score | Calc | Account | An asset level calculation to determine the data facility WA credit score across principal balance | When Y > 0 and Z > 0 | (X * Y) / Sum(X) for all accounts If Y or Z is NULL or does not meet the condition, then NULL | NUMBER | X: Eligible Loan Balance Y: Credit Score at Origination Z: Ending Balance |
| Delinquency Category | Calc | Account | Defined categories, based on source data, for delinquency | TEXT | Mapping: Days Past Due < 30 -> "Current" Days Past Due >= 30 and < 60 -> "30 - 59" Days Psat Due >= 60 and < 90 -> "60 - 89" Days Past Due >= 90 and < 120 -> "90 - 119" Days Past Due >= 120 -> "120+" | ||
| Current Balance - 1 Month Prior | Calc | Account | X from prior period | CURRENCY | X: Current Balance If X does not exist then leave NULL For 1st period, leave NULL | ||
| Vintage Mnth | Calc | Account | Month (X), format yyyyMMM where MMM is the first 3 characters of the month | TEXT | X: Seasoning Start Date | ||
| Days Past Due | Raw | Account | The number of days in which a payment has not been made as of its due date. | NUMBER | |||
| Account Activation Date | Raw | Account | The date account is activated (generally not the same as the date the account is open) | DATE | |||
| Ineligible Loan Flag | Raw | Account | The asset doesn't meet all the of the Key Eligibility Criteria of the facility | TEXT | Mapping: "0": "No" "1": "Yes" | ||
| Data as of Date | Raw | Account | This is the 'default' as-of date for static data of an element. This is mandatory for Root Elements for them to show up in TRA. | DATE | |||
| First Statement Date | Raw | Account | Date of the first statement for a given account | DATE | |||
| Purchased Balance | Raw | Account | balance from purchases in current period - typically aligned with a revolving account (such as credit card) | CURRENCY | |||
| Hardship Flag | Raw | Account | TEXT | ||||
| Daily Late Fees | Raw | Account | CURRENCY | ||||
| No Credit Score Balance | Calc | Account | An asset level calculation to determine the percent of pool outstanding balance associated with assets with no credit score | When Y is NULL | Then (X / Sum (X)) *100 for entire collateral collection Else 0 | NUMBER | X: Eligible Loan Balance Y: Credit Score at Origination |
| Current Balance | Raw | Account | Amount of loan outstanding as of pool cut off date, This should include any amounts that are secured by the mortgage and will be classed as principal in the transaction. | CURRENCY | |||
| High Balance | Calc | Account | An asset level calculation to determine the percent of pool outstanding balance that is attributed to accounts with high credit limits | When Y >= 5,000 | Then (X / Sum (X)) *100 for entire collateral collection Else 0 | NUMBER | X: Eligible Loan Balance Y: Ending Balance |
| Return Fee Reversal | Raw | Account | Return fees which did not process. | CURRENCY | |||
| Daily Return Fees | Raw | Account | CURRENCY | ||||
| Late Fee Adjustment | Raw | Account | Adjustments from late payment fees. | CURRENCY | |||
| DV01 Adjustments | Raw | Account | CURRENCY | ||||
| Prime Rate | Raw | Account | the underlying index for most credit cards, home equity loans and lines of credit, auto loans, and personal loans. | X * 100 | NUMBER | X: prime_rate_eop | |
| Charged-Off Interest Amount | Raw | Account | CURRENCY | ||||
| Hardship Principal Debits | Raw | Account | CURRENCY | ||||
| Past Bankruptcy Flag | Raw | Account | Indicates if borrower has had bankruptcy declared in prior specified period. Map to Yes/No. | TEXT | Mapping: "0": "No" "1": "Yes" | ||
| Month on Book | Raw | Account | The number of complete calendar months that have elapsed since calendar month in which the Origination Date of such purchased loan occurred, measured at the end of each calendar month. | NUMBER | |||
| Total Payment Return Fee | Raw | Account | Total payment on return fees accrued. | CURRENCY | |||
| Current State | Raw | Account | TEXT | ||||
| Eligible Loan Flag | Raw | Account | A flag indicating an asset meets all the of the key eligibility criteria of the facility. | TEXT | Mapping: "0": "No" "1": "Yes" | ||
| Borrower 1 Birth Date | Raw | Account | DATE | ||||
| Interchange Fees | Raw | Account | Transaction fees that the merchant's bank account must pay whenever a customer uses a credit card. | CURRENCY | |||
| Interest Adjustment | Raw | Account | The balance of adjusted interest. | CURRENCY | |||
| Gross Charge Off Balance | Raw | Account | The total principal written off and deemed uncollectible. | CURRENCY | |||
| Delinquency - 3 Month Movement | Calc | Account | the 3 month movement between delinquency categories | Concatenate(X_Y) | TEXT | X: Delinquency 3 Months Prior Y: Delinquency Category | |
| Customer ID | Raw | Account | The unique ID of the customer. | TEXT | |||
| Current Zip Code | Raw | Account | TEXT | ||||
| TREX Calculated Past Due Group | Calc | Account | TREX Calculated Past Due Group | TEXT | Map the value in 'Days Past Due' as follows: 0 = 0 [1,29] = 01-29 [30,59] = 30-59 [60,89] = 60-89 [90,119] = 90-119 >= 120 = 120+ | ||
| Delinquency 3 Months Prior | Calc | Account | 3 month prior delinquency category | TEXT | Record the 'Delinquency Category' for 3 months prior: If Apr record Jan If May record Feb If Jun record Mar If Jul record Apr If Aug record May If Sep record Jun If Oct record Jul If Nov record Aug If Dec record Sep If Jan record Oct If Feb record Nov If Mar record Dec | ||
| Ineligible Loan Balance | Raw | Account | Principal balance if this is an ineligible loan | CURRENCY | |||
| Total Credit Limit | Raw | Account | For underlying exposures with flexible re-draw facilities (including revolving characteristics) or where the maximum underlying exposure amount hasn’t been withdrawn in full – the maximum underlying exposure amount that could potentially be outstanding. | CURRENCY | |||
| Purchase Return | Raw | Account | Balance of amount returned. | CURRENCY | |||
| Credit Score at Origination | Raw | Account | The credit score of the borrower at the origination of the asset. | NUMBER | |||
| Defaulted Principal | Raw | Account | The total gross default amount before the application of sale proceeds and recoveries. | CURRENCY | |||
| Interest Payment Reversal | Raw | Account | Interest payments which did not process. | CURRENCY | |||
| Eligible Loan Balance | Raw | Account | Principal Balance for eligible loans | CURRENCY | |||
| Total Payment Late Fee | Raw | Account | Total Payment on late fees accrued. | CURRENCY | |||
| Redemptions | Raw | Account | Cash back redemptions. | CURRENCY | |||
| Card Status | Raw | Account | The status of Credit. | TEXT | |||
| Delinquency - 1 Month Movement | Calc | Account | the 1 month movement between delinquency categories | Concatenate(X_Y) | TEXT | X: Delinquency 1 Month Prior Y: Delinquency Category | |
| Delinquency Eligibility Flag | Calc | Account | Mapped to Yes/No. Identifies assets that meet the delinquency criteria. | When X = "Current" or is NULL Then "No" Else "Yes" | TEXT | X: Delinquency Category | |
| Payment Facilitation Details | Raw | Account | Details of the facilitation agreement. | TEXT | |||
| Total Delinquencies | Raw | Account | Total value of delinquencies. | CURRENCY | |||
| Account Reference Number | Raw | Account | A number that is a reference to but not the actual account number | TEXT | |||
| Prior Charged-Off Flag | Calc | Account | Take X from prior month | TEXT | X: Charged-Off Flag (prior period) - row 32 For 1st period (Jan) all should be "No" | ||
| SSN Flag | Raw | Account | Flag indicating whether the customer used a SSN (as opposed to ITIN at origination). Map to Yes/No. | TEXT | Mapping: "0": "No" "1": "Yes" | ||
| Late Fee Reversal | Raw | Account | Late fees which did not process. | CURRENCY | |||
| Charged-Off Flag | Raw | Account | Indicates if this asset has been charged off, i.e. written off and uncollectable. | TEXT | Mapping: "0": "No" "1": "Yes" | ||
| Principal Adjustment | Raw | Account | Other Principal Adjustments. | CURRENCY | |||
| Counter | Calc | Account | A value to allow for CRT calculations based on count | NUMBER | Each loan/asset gets a 1 | ||
| Late Fees | Raw | Account | Fees accrued from late payments. | CURRENCY | |||
| Account Created Date | Raw | Account | DATE | ||||
| Vintage Yr | Calc | Account | Year (X) | TEXT | X: Seasoning Start Date | ||
| Ending Balance - 1 Month Prior | Calc | Account | Ending balance from prior month's report. | X from prior period | CURRENCY | X: Ending Balance If X does not exist, then 0 For 1st period, all 0 | |
| Balance Ratio | Calc | Account | To be used for graphing the percentage or ratio of assets in a given category. Should be calculated as 1/(Total Applicable Balance of Collateral) | (X / Sum(X) for entire loan tape) *100 | NUMBER | X: Ending Balance | |
| Count Ratio | Calc | Account | To be used for graphing the percentage or ratio of assets in a given category. Should be calculated as 1/(Total Count of Assets) | (1 / X) * 100 | NUMBER | X: The count of all assets in the current tape This value is used to graph the % of loans in a given delinquency category | |
| ITIN Flag | Raw | Account | Flag indicating whether the customer used an ITIN (as opposed to SSN at origination). Map to Yes/No. | TEXT | Mapping: "0": "No" "1": "Yes" | ||
| First Payment Date | Raw | Account | The first scheduled payment date | DATE | |||
| Loan Account Status | Raw | Account | Current status of account. | TEXT | |||
| Sold Balance | Raw | Account | Balance of goods sold. | CURRENCY | |||
| Borrower Annual Income | Raw | Account | CURRENCY | ||||
| Charged-Off Principal Amount - 1 Month Prior | Calc | Account | X from prior period | CURRENCY | X: Charged-Off Principal Amount (Row 35) If X does not exist then 0 For 1st period, all 0 | ||
| First Payment Flag | Raw | Account | Flag indicating if first payment was made (convert to Yes/No) | TEXT | Mapping: "0": "No" "1": "Yes" | ||
| Return Fee Adjustment | Raw | Account | Adjustments from return fees. | CURRENCY | |||
| Collection Period Begin Date | Raw | Account | The beginning date for current period collection | DATE | |||
| Ineligible Description | Raw | Account | A category of types of ineligibility | TEXT | |||
| Collection Period End Date | Raw | Bond | The end date for current period collection | DATE | Pull from 1st column with a date (column C) of the historic tab | ||
| Current Advance Balance | Calc | Bond | Advance balance currently available | Class A: Xclass A + Yclass A + Zclass A Class B: Xclass B + Yclass B + Zclass B | CURRENCY | X: Beginning Balance Y: Intra-Month Advance Z: Advances Processed | |
| Maximum Allocated Loan Amount | Raw | Bond | This is the maximum amount that can be advanced against this asset | CURRENCY | Class A: from Maximum Class A Loan Amount Class B: from Maximum Class B Loan Amount | ||
| Name | Calc | Bond | Class A Class B | ||||
| Advances Processed | Calc: Class A Raw: Class B | Bond | Class A: Max (Xclass A - Yclass A, 0) Class B: Pull from source | CURRENCY | Class A: X: Beginning Balance Y: Borrowing Base | ||
| Loan Availability | Calc | Bond | The loan availability. | Class A: Xclass A - Yclass A Class B: Xclass A - Yclass A | CURRENCY | X: Maximum Allocated Loan Amount Y: Current Advance Balance | |
| Intra-Month Advance | Raw | Bond | Intra month advance to account | CURRENCY | Class A: from Credit Facility Items - Class A Class B: from Credit Facility Items - Class b | ||
| Principal | Calc | Bond | Class A: (X + Y) * [A / (A + B)] Class B: (X + Y) * [B / (A + B)] | CURRENCY | X: Incorporated Principal - Collection Account Y: Interest Shortfall A: Advance Rate (Class A) B: Advance Rate (Class B) | ||
| Advance Rate | Raw | Bond | The maximum percentage of the value of a collateral that a lender is willing to extend for a loan | Class A: X * 100 Class B: Y * 100 | NUMBER | X: Advance Rate Class A Y: Advance Rate Class B | |
| Borrowing Base | Calc | Borrowing Base | Sum (X) across Class | CURRENCY | X: Borrowing Base | ||
| Borrowing Base - Test | Calc | Borrowing Base | Borrowing Base test results | If X > Y then "Pass" else "Fail" | TEXT | X: Borrowing Base Y: Current Advance Balance | |
| Excess Concentration Amount | Raw | Concentration Assessment | The overall excess found | CURRENCY | |||
| WA APR - EC Calc | Calc | Concentration Assessment | For Excess Concentrations - if WA APR limit is breached $ amount affected | When X = "Fail" | Then (A - B) * (Sum (Y) + Sum (Z)) Else 0 | CURRENCY | A: WA APR (Actual) B: WA APR (Limit) X: WA APR - EC Assess Y: Eligible Loan Balance Z: Ineligible Loan Balance |
| No SSN-ITIN - EC Assess | Calc | Concentration Assessment | For Excess Concentrations - determination of whether No SSN-ITIN limit is breached. Value is Pass/Fail | If Y > X then "Pass" else "Fail" | TEXT | X: No SSN-ITIN (actual) Y: No SSN-ITIN (Limit) | |
| WA APR - EC Assess | Calc | Concentration Assessment | For Excess Concentrations - determination of whether WA APR limit is breached. Value is Pass/Fail | If X > Y then "Pass" else "Fail" | TEXT | X: WA APR (actual) Y: WA APR (Limit) | |
| High Balance - EC Calc | Calc | Concentration Assessment | For Excess Concentrations - if High Balance limit is breached $ amount affected | When X = "Fail" | Then (A - B) * (Sum (Y) + Sum (Z)) Else 0 | CURRENCY | A: High Balance (Actual) B: High Balance (Limit) X: High Balance - EC Assess Y: Eligible Loan Balance Z: Ineligible Loan Balance |
| High Balance - EC Assess | Calc | Concentration Assessment | For Excess Concentrations - determination of whether High Balance limit is breached. Value is Pass/Fail | If Y > X then "Pass" else "Fail" | TEXT | X: High Balance (actual) Y: High Balance (Limit) | |
| WA Credit Score - EC Assess | Calc | Concentration Assessment | For Excess Concentrations - determination of whether WA Credit Score limit is breached. Value is Pass/Fail | If X > Y then "Pass" else "Fail" | TEXT | X: WA Credit Score (actual) Y: WA Credit Score (Limit) | |
| No Credit Score Balance - EC Calc | Calc | Concentration Assessment | For Excess Concentrations - if No Credit Score Balance limit is breached $ amount affected | When X = "Fail" | Then (A - B) * (Sum (Y) + Sum (Z)) Else 0 | CURRENCY | A: No Credit Score Balance (Actual) B: No Credit Score Balance (Limit) X: No Cedit Score Balance - EC Assess Y: Eligible Loan Balance Z: Ineligible Loan Balance |
| No SSN-ITIN - EC Calc | Calc | Concentration Assessment | For Excess Concentrations - if No SSN-ITIN limit is breached $ amount affected | When X = "Fail" | Then (A - B) * (Sum (Y) + Sum (Z)) Else 0 | CURRENCY | A: No SSN-ITIN (Actual) B: No SSN-ITIN (Limit) X: No SSN-ITIN - EC Assess Y: Eligible Loan Balance Z: Ineligible Loan Balance |
| No Credit Score Balance - EC Assess | Calc | Concentration Assessment | For Excess Concentrations - determination of whether No Credit Score Balance limit is breached. Value is Pass/Fail | If Y > X then "Pass" else "Fail" | TEXT | X: No Credit Score Balance (actual) Y: No Credit Score Balance (Limit) | |
| WA APR | Calc | Concentration Calculation | Asset level calculation of total WA APR. Can be used to calculate facility WA APR. | Actual: Sum(X) Limit: Pull from "Concentration Amounts \ a) Excluded balances to make WA APR less than 15.00% (column Limit %) | NUMBER | Actual: X: WA APR | |
| Expenses plus Defaulted | Calc | Deal | X + Y | CURRENCY | X: Total Expenses Y: Defaulted Principal | ||
| Principal Payment - Funding Termination | Raw | Deal | CURRENCY | Pull from 1st column with a date (column C) of the bb_historic tab | |||
| Adjusted Collection Account Disbursement | Calc | Deal | The total disbursements of available collections adjusted for such things as interest | X * 1.05 | CURRENCY | X: Collection Account Disbursement | |
| Principal Payment | Raw | Deal | Principal payment made to a ABS Tranche. | CURRENCY | Pull from 1st column with a date (column C) of the bb_historic tab | ||
| Excess Spread Ratio | Calc | Deal | ((X - Y) / Z) *1200 | NUMBER | X: Finance Charge - Collection Account Y: Expenses plus Defaulted Z: Daily Average Receivable Balance | ||
| Collection Account Disbursement Total Fees | Calc | Deal | A + B + C + D + E + F + G + H | A: Agent Fee B: Servicer Fee C: Backup Servicer Fee D: Minimum Revenue Amount E: Interest F: Principal Payment G: Principal Payment - Funding Termination H: Reserve Deposit | |||
| Borrower Interest and Fees | Raw | Deal | CURRENCY | ||||
| Finance Charge - Collection Account | Calc | Deal | finance charge included in collection account | X + Y | CURRENCY | X: Interchange Fees Y: Borrower Interest and Fees | |
| Minimum Revenue Amount | Raw | Deal | Interest (or minimum revenue amount in such a month) to be paid to investors of a bond | CURRENCY | Pull from 1st column with a date (column C) of the bb_historic tab | ||
| Total Expenses | Calc | Deal | A + B + C + D + E | CURRENCY | A: Agent Fee B: Servicer Fee C: Backup Servicer Fee D: Minimum Revenue Amount E: Interest | ||
| Interest | Raw | Deal | The charge for the privilege of borrowing money, typically expressed as annual percentage rate (APR). | CURRENCY | Pull from 1st column with a date (column C) of the bb_historic tab | ||
| WA Excess Spread Ratio | Calc | Deal | [(A*X) + (B*Y) + (C*Z)] / [X + Y + Z] For Feb 2021 and Mar 2021 assign value in A to this field | NUMBER | A: Excess Spread Ratio B: Excess Spread Ratio - 1 Month Prior C: Excess Spread Ratio - 2 Months Prior X: Total Eligible Balance Y: Total Eligible Balance - 1 Month Prior Z: Total Eligible Balance - 2 Months Prior | ||
| WA Payment Rate | Calc | Deal | [(A*X) + (B*Y) + (C*Z)] / [X + Y + Z] For Feb 2021 and Mar 2021 assign value in A to this field | NUMBER | A: Payment Rate B: Payment Rate - 1 Month Prior C: Payment Rate = 2 Months Prior X: Total Eligible Balance Y: Total Eligible Balance - 1 Month Prior Z: Total Eligible Balance - 2 Months Prior | ||
| Payment Rate - 2 Months Prior | Calc | Deal | Assign X from prior month to this field. For Feb 2021, Mar 2021 leave NULL | NUMBER | X: Payment Rate - 1 Month Prior from prior month | ||
| Principal Collections | Raw | Deal | CURRENCY | ||||
| Excess Spread Ratio - 2 Months Prior | Calc | Deal | Assign X from prior month to this field. For Feb 2021, Mar 2021 leave NULL | NUMBER | X: Excess Spread Ratio - 1 Month Prior (from prior month) | ||
| Payment Rate - 1 Month Prior | Calc | Deal | Assign X from prior month to this field. For Feb 2021 leave NULL | NUMBER | X: Payment Rate from prior month | ||
Total Fees | Calc | Deal | A + B + C + D + E + F + G + H | A: Agent Fee B: Servicer Fee C: Backup Servicer Fee D: Minimum Revenue Amount E: Interest F: Principal Payment G: Principal Payment - Funding Termination H: Reserve Deposit | |||
| Reserve Deposit | Raw | Deal | The amount deposited into a reserve account in this period. | CURRENCY | Pull from 1st column with a date (column C) of the bb_historic tab | ||
| Daily Average Receivable Balance | Raw | Deal | daily average eligible receivable balance | CURRENCY | |||
| Backup Servicer Fee | Raw | Deal | Fee paid to the Backup Servicer | CURRENCY | Pull from 1st column with a date (column C) of the bb_historic tab | ||
| Servicer Fee | Raw | Deal | Fee paid to the servicer | CURRENCY | Pull from 1st column with a date (column C) of the bb_historic tab | ||
| Excess Spread Ratio - 1 Month Prior | Calc | Deal | Assign X from prior month to this field. For Feb 2021 leave NULL | NUMBER | X: Excess Spread Ratio (from prior month) | ||
| Agent Fee | Raw | Deal | fee paid to the administrative agent | CURRENCY | Pull from 1st column with a date (column C) of the bb_historic tab | ||
| Payment Rate | Calc | Early Wind Down | Actual: Max (X, Y) Limit: pull from Source \ historic per field identified | NUMBER | X: Payment Rate Y: WA Payment Rate | ||
| Excess Spread Ratio - Assess | Calc | Early Wind Down - Assess | If X > Y then "Pass" else "Fail" | TEXT | X: Excess Spread Ratio (Actual) Y: Excess Spread Ratio (Limit) | ||
| Payment Rate - Assess | Calc | Early Wind Down - Assess | If X > Y then "Pass" else "Fail" | TEXT | X: Payment Rate (Actual) Y: Payment Rate (Limit) | ||
| Charged-off - Ineligible Balance | Calc | Pool | Y = "default_charged_off" | Sum (X), if NULL then 0 | X: Ineligible Loan Balance Y: Ineligible Description | ||
| Incorporated Principal - Collection Account | Raw | Pool | principal amount included in collection account and used in borrowing base calculations | CURRENCY | |||
| High Credit Limit - Ineligible Balance | Calc | Pool | Ineligible Balance due to high credit limit and credit score and income combination | Y = "5k_vantage_income" OR Y = "5k_vantage_lt740" OR Y = "5k_vantage_lt701" | Sum (X), if NULL then 0 | CURRENCY | X: Ineligible Loan Balance Y: Ineligible Description |
| Fraudulent - Ineligible Balance | Calc | Pool | Ineligible Balance due to fraudulent receivables | Y = "fraud" | Sum (X), if NULL then 0 | CURRENCY | X: Ineligible Loan Balance Y: Ineligible Description |
| Modification - Ineligible Balance | Calc | Pool | Ineligible Balance due to non-eligible modification of loan | Y = "mod" | Sum (X), if NULL then 0 | CURRENCY | X: Ineligible Loan Balance Y: Ineligible Description |
| Average Monthly Outstanding Balance | Calc | Pool | Average monthly outstanding balance of a pool of loans | (X + Y) / 2 | CURRENCY | X: Current Balance - 1 Month Prior Y: Current Balance | |
| Monthly Payment Rate | Calc | Pool | average payment rate | (X / Y) * 100 | NUMBER | X: Principal Payment Y: Average Monthly Outstanding Balance | |
| Scheduled Interest Payment | Calc | Pool | The scheduled interest paid for the privilege of borrowing money, typically expressed as annual percentage rate (APR). | Sum(X) for entire loan tape | CURRENCY | X: Scheduled Interest Payment | |
| Partially Ineligible - Ineligible Balance | Calc | Pool | Y = "partially_ineligible" | Sum (X), if NULL then 0 | CURRENCY | X: Ineligible Loan Balance Y: Ineligible Description | |
| Policy Decline - Ineligible Balance | Calc | Pool | Y = "policy_decline" | Sum (X), if NULL then 0 | CURRENCY | X: Ineligible Loan Balance Y: Ineligible Description | |
| Adjusted Pool Balance | Calc | Pool | Pool Balance adjusted | X - Y | CURRENCY | X: Total Eligible Balance Y: Excess Concentration Amount | |
| Level Two Regulatory Event | Raw | Pool | Ineligible balance due to a level two regulatory event | CURRENCY | |||
| Total Ineligible Balance | Calc | Pool | Total principal balance minus approved ineligible loan amount | Sum(X) for entire loan tape | CURRENCY | X: Ineligible Loan Balance | |
| Origination Date - Ineligible Balance | Calc | Pool | Ineligible Balance due ot APR outside acceptable range | Y = "origination_date" | Sum (X), if NULL then 0 | CURRENCY | X: Ineligible Loan Balance Y: Ineligible Description |
| Yield | Calc | Pool | yield | [(X + Y)/Z] * 1200 | NUMBER | X: Scheduled Interest Payment Y: Interchange Fees Z: Average Monthly Outstanding Balance | |
| Fraud Rate | Calc | Pool | Rate of fraud across receivables | (X / Y) * 100 | NUMBER | X: Fraudulent - Ineligible Balance Y: Current Balance | |
| No SSN - Ineligible Balance | Calc | Pool | Ineligible Balance due to missing SSN or ITIN | Y = "ssn_itin" | Sum (X), if NULL then 0 | CURRENCY | X: Ineligible Loan Balance Y: Ineligible Description |
| Total Eligible Balance | Calc | Pool | Sum(X) for entire loan tape | CURRENCY | X: Eligible Loan Balance | ||
| Defaulted - Ineligible Balance | Calc | Pool | Balance of Loans identified as ineligible due to loan status of charged off | X + Y + Z, if NULL then 0 | CURRENCY | X: Bankruptcy - Ineligible Balance (Row 26) Y: Charged-off - Ineligible Balance (Row 27) Z: Delinquency (high DPD) - Ineligible Balance (Row 28) | |
| Monthly Default Rate | Calc | Pool | (X / Y) * 1200 | NUMBER | X: Current Charged-Off Principal Amount Y: Current Balance - 1 Month Prior | ||
| Non-US Address - Ineligible Balance | Calc | Pool | Ineligible Balance due to obligor having a billing address outside the US or its territories possessions or military bases | Y = "us_address" | Sum (X), if NULL then 0 | CURRENCY | X: Ineligible Loan Balance Y: Ineligible Description |
| FPD - Ineligible Balance | Calc | Pool | ineligible balance due to missing SSN or ITIN | Y = "FPD" | Sum (X), if NULL then 0 | CURRENCY | X: Ineligible Loan Balance Y: Ineligible Description |
| Orig Credit Limit - Ineligible Balance | Calc | Pool | Ineligible Balance due to balance at origination being outside acceptable limit | Y = "orig_credit_limit" | Sum (X), if NULL then 0 | CURRENCY | X: Ineligible Loan Balance Y: Ineligible Description |
| APR - Ineligible Balance | Calc | Pool | Ineligible Balance due to APR outside acceptable range | Y = "apr" | Sum (X), if NULL then 0 | CURRENCY | X: Ineligible Loan Balance Y: Ineligible Description |
| Delinquent - Ineligible Balance | Calc | Pool | Ineligible Balance due to Delinquent Receivable | Y = "delinquent" | Sum (X), if NULL then 0 | CURRENCY | X: Ineligible Loan Balance Y: Ineligible Description |
| Level One Regulatory Event | Raw | Pool | Ineligible balance due to a level one regulatory event | CURRENCY | |||
| Currency - Ineligible Balance | Calc | Pool | Ineligible Balance due to loan not being payable in US Dollars | Y = "us_dollars" | Sum (X), if NULL then 0 | CURRENCY | X: Ineligible Loan Balance Y: Ineligible Description |
| Total Ineligible Receivables | Calc | Pool | A + B + C + D + E + F + G + H + J + K + L + M + N + P + R + S + T + U + V | CURRENCY | A: FPD - Ineligible Balance B: No SSN - Ineligible Balance C: Origination Date - Ineligible Balance D: APR - Ineligible Balance E: High Credit Limit - Ineligible Balance F: Modification - Ineligible Balance G: Currency - Ineligible Balance H: Non-US Address - Ineligible Balance J: Stolen - Ineligible Balance K: Sold - Ineligible Balance L: Delinquent - Ineligible Balance M: Defaulted - Ineligible Balance N: Fraudulent - Ineligible Balance P: Orig Credit Limit - Ineligible Balance R: Sanctioned Person - Ineligible Balance S: Policy Decline - Ineligible Balance T: Partially Ineligible - Ineligible Balance U: Level One Regulatory Event V: Level Two Regulatory Event | ||
| Sanctioned Person - Ineligible Balance | Calc | Pool | Ineligible Balance due to sanctioned person | Y = "sanctioned_person" | Sum (X), if NULL then 0 | CURRENCY | X: Ineligible Loan Balance Y: Ineligible Description |
| Delinquency (high DPD) - Ineligible Balance | Calc | Pool | Ineligible Balance due to excess delinquency | Y = "default_gt_180" | Sum (X), if NULL then 0 | CURRENCY | X: Ineligible Loan Balance Y: Ineligible Description |
| Interest Shortfall | Raw | Pool | accrued interest due that remains after a borrower has made their monthly payment | CURRENCY | |||
| Stolen - Ineligible Balance | Calc | Pool | Ineligible Balance due to being sold or pledged to another party | Y = "stolen" | Sum (X), if NULL then 0 | CURRENCY | X: Ineligible Loan Balance Y: Ineligible Description |
| Bankruptcy - Ineligible Balance | Calc | Pool | Ineligible Balance due to bankruptcy | Y = "default_bk" | Sum (X), if NULL then 0 | CURRENCY | X: Ineligible Loan Balance Y: Ineligible Description |
| Total Eligible Balance - 1 Month Prior | Calc | Pool | X from prior month | CURRENCY | X: Total Eligible Balance (from prior month) | ||
| Sold - Ineligible Balance | Calc | Pool | Ineligible Balance due to being sold or pledged to another party | Y = "sold" | Sum (X), if NULL then 0 | CURRENCY | X: Ineligible Loan Balance Y: Ineligible Description |
| Total Eligible Balance - 2 Months Prior | Calc | Pool | X from prior month | CURRENCY | X: Total Eligible Balance - 1 Month Prior (from prior month) | ||
| Purchase Rate | Calc | Pool | (X / Y) * 100 | NUMBER | X: Spend Increase Y: Average Monthly Outstanding Balance | ||
| Intra Month Additions | Raw | Reserve Account | Additions to account during month | CURRENCY | |||
| Minimum Required Reserve Amount | Calc | Reserve Account | minimum required reserve amount - total | If X < 10000000 then X * 0.01 else 0 | CURRENCY | X: Current Advance Balance (Class A only) | |
| Ending Balance | Calc | Reserve Account | The balance from the beginning of the period adjusted for any principal distribution or adjustment made over the period. | X - Y + Z | CURRENCY | X: Net Balance Y: Transfer to Collections Z: Transfer to Reserve | |
| Request Date | Raw | Reserve Account | The date of a Lending Facility draw request | DATE | |||
| Intra Month Reductions | Raw | Reserve Account | reductions to account during month | CURRENCY | |||
| Net Balance | Calc | Reserve Account | Balance adjusted | X + Y - Z | CURRENCY | X: Beginning Balance Y: Intra Month Additions Z: Intra Month Reductions | |
| Transfer to Reserve | Raw | Reserve Account | CURRENCY | ||||
| Transfer to Collections | Raw | Reserve Account | CURRENCY |