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 |
| Collection Period End Date | Raw | CO Curve | The end date for current period collection | DATE | |||
| Amount Financed - Cumulative | Calc | CO Curve | Amount financed for a group of assets | When Y = A | Sum(X) | CURRENCY | X: Amount Financed Y: Monthly Vintage A: Name |
| Monthly Vintage | Raw | CO Curve | Same X as found in Name field | DATE | X: Monthly Vintage format: yyyy-mm-dd | ||
| Data as of Date | Raw | CO Curve | 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 month 12/2020 | ||
| Name | Calc | CO Curve | Distinct List of X | X: Monthly Vintage format: yyyy-mm-dd | |||
| Current Charged-Off Principal Amount | Calc | CO Curve | When: X = A and Y = "Yes" | Sum(W) | CURRENCY | W: Curent Charged-Off Principal Amount X: Monthly Vintage Y: Charged-Off Flag A: Name | |
| Ineligible Maturity | Both | Concentration Calculation | The amount of loans with inelgible maturity date. | When 'Maturity Eligibility Flag' = "No" | (Sum (X)) / Z | NUMBER | X: Outstanding Balance (of each loan in the loan tape) Z: Total Eligible Balance (from Pool) |
| Charged-Off Ratio | Calc | Concentration Calculation | Charge-off amount divided by the outstanding balance | For all months in 2021 and 2022 | Max(X) | NUMBER | X: Charged-Off Ratio |
| Collection Period Begin Date | Raw | Concentration Calculation | The beginning date for current period collection | DATE | |||
| Largest State Concentration | Both | Concentration Calculation | The state where the highest concentration of underlying loans reside. | When 'Eligible Loan Flag' = "Yes" | Actual: MAX[Sum of each (X) for each unique Y] / Z Excess: If Actual - Limit > 0 THEN Actual - Limit * Z | NUMBER | X: Outstanding Balance (of each loan in the loan tape) Y: State Z: Total Eligible Balance (from Pool) |
| High Balance | Both | Concentration Calculation | An asset level calculation to determine the percent of pool outstanding balance that is attributed to accounts with high credit limits | When 'Eligible Loan Flag' = "Yes" AND Current Balance => 1,000,000 | Actual: (Sum (X)) / Z Excess: If Actual - Limit > 0 THEN Actual - Limit * Z | NUMBER | X: Outstanding Balance (of each loan in the loan tape) Z: Total Eligible Balance (from Pool) |
| Ineligible LTC | Both | Concentration Calculation | The amount of loans with an ineligible loan to cost ratio. | When 'LTC Flag' = "No" | (Sum (X)) / Z | NUMBER | X: Outstanding Balance (of each loan in the loan tape) Z: Total Eligible Balance (from Pool) |
| Construction | Both | Concentration Calculation | When 'Eligible Loan Flag' = "Yes" AND Original Rehab Percent => 50% | Actual: (Sum (X)) / Z Excess: If Actual - Limit > 0 THEN Actual - Limit * Z | NUMBER | X: Outstanding Balance (of each loan in the loan tape) Z: Total Eligible Balance (from Pool) | |
| Total Ineligible Balance | Concentration Calculation | Total principal balance minus approved ineligible loan amount | CURRENCY | ||||
| Ineligible Rehab | Both | Concentration Calculation | The amount of loans with ineligible rehab. | When 'Rehab Eligbility Flag' = "No" | (Sum (X)) / Z | NUMBER | X: Outstanding Balance (of each loan in the loan tape) Z: Total Eligible Balance (from Pool) |
| Largest Originator Concentration | Both | Concentration Calculation | The originator where the highest concentration of underlying loans reside. | When 'Eligible Loan Flag' = "Yes" | Actual: MAX[Sum of each (X) for each unique Y] / Z Excess: If Actual - Limit > 0 THEN Actual - Limit * Z | NUMBER | X: Outstanding Balance (of each loan in the loan tape) Y: Mortgage Lender Z: Total Eligible Balance (from Pool) |
| Largest Originator | Both | Concentration Calculation | The name of the largest originator | Take the Mortgage Lender Name from "Largest Originator %" | TEXT | ||
| Long Loan Terms | Both | Concentration Calculation | The amount of loans with a long term maturity. | When 'Eligible Loan Flag' = "Yes" AND Original Term => 18 | Actual: (Sum (X)) / Z Excess: If Actual - Limit > 0 THEN Actual - Limit * Z | NUMBER | X: Outstanding Balance (of each loan in the loan tape) Z: Total Eligible Balance (from Pool) |
| Refinance | Both | Concentration Calculation | The amount of Refinance loans. | When 'Eligible Loan Flag' = "Yes" AND Property Sub-Type DOES NOT EQUAL "Purchase" | Actual: (Sum (X)) / Z Excess: If Actual - Limit > 0 THEN Actual - Limit * Z | NUMBER | X: Outstanding Balance (of each loan in the loan tape) Z: Total Eligible Balance (from Pool) |
| Multi-Family | Both | Concentration Calculation | The amount of Multi-Family loans. | When 'Eligible Loan Flag' = "Yes" AND Property Type = "Multi_Family" | Actual: (Sum (X)) / Z Excess: If Actual - Limit > 0 THEN Actual - Limit * Z | NUMBER | X: Outstanding Balance (of each loan in the loan tape) Z: Total Eligible Balance (from Pool) |
| Ineligible Experience | Both | Concentration Calculation | The amount of loans with ineligible experience. | When 'Experience Flag' = "No" | (Sum (X)) / Z | NUMBER | X: Outstanding Balance (of each loan in the loan tape) Z: Total Eligible Balance (from Pool) |
| High Balance - Ineligible Balance | Both | Concentration Calculation | Balance of Loans identified as ineligible due to high balance | When 'Principal Balance Eligibility Flag' = "No" | (Sum (X)) / Z | CURRENCY | X: Outstanding Balance (of each loan in the loan tape) Z: Total Eligible Balance (from Pool) |
| 2nd Largest State Concentration | Both | Concentration Calculation | The state where the 2nd highest concentration of underlying loans reside. | When 'Eligible Loan Flag' = "Yes" | Actual: 2nd MAX[Sum of each (X) for each unique Y] / Z Excess: If Actual - Limit > 0 THEN Actual - Limit * Z | NUMBER | X: Outstanding Balance (of each loan in the loan tape) Y: State Z: Total Eligible Balance (from Pool) |
| 2nd Largest Originator Concentration | Both | Concentration Calculation | The originator where the 2nd highest concentration of underlying loans reside. | When 'Eligible Loan Flag' = "Yes" | Actual: 2nd MAX[Sum of each (X) for each unique Y] / Z Excess: If Actual - Limit > 0 THEN Actual - Limit * Z | NUMBER | X: Outstanding Balance (of each loan in the loan tape) Y: Mortgage Lender Z: Total Eligible Balance (from Pool) |
| 2nd Largest Originator | Both | Concentration Calculation | The name of the 2nd largest originator | Take the Mortgage Lender Name from "2nd Largest Originator %" | TEXT | ||
| Ineligible ARV LTV | Both | Concentration Calculation | The amount of loans with an ineligible after repair loan to value ratio. | When 'LTV Flag' = "No" | (Sum (X)) / Z | NUMBER | X: Outstanding Balance (of each loan in the loan tape) Z: Total Eligible Balance (from Pool) |
| Ineligible Long Term Loans | Both | Concentration Calculation | The amount of loans with ineligible long terms. | When 'Term Flag' = "No" | (Sum (X)) / Z | NUMBER | X: Outstanding Balance (of each loan in the loan tape) Z: Total Eligible Balance (from Pool) |
| Ineligible FICO | Both | Concentration Calculation | The amount of loans with ineligible FICO scores. | When 'FICO Eligbility Flag' = "No" | (Sum (X)) / Z | NUMBER | X: Outstanding Balance (of each loan in the loan tape) Z: Total Eligible Balance (from Pool) |
| Delinquency Category | Raw | Delinquency | Defined categories, based on source data, for delinquency | TEXT | |||
| Advance Rate | Delinquency | The maximum percentage of the value of a collateral that a lender is willing to extend for a loan | 0-59: 70% 60-120: 65% 121-180: 50% 180+: 50% | NUMBER | |||
| Borrowing Base | Calc | Delinquency | Each Adjusted Balance * corresponding Advance Rate | CURRENCY | |||
| Outstanding Balance | Calc | Delinquency | The unpaid, interest-bearing balance of a loan or loan portfolio. | Sum(X) | CURRENCY | X:Outstanding Balance think pivot table | |
| Adjusted Balance | Calc | Delinquency | Outstanding Balance of an asset, bond, pool, deal, facility adjusted by a pre-determined factor | Eligible Balance for each Delinquency Category - (Eligible Balance for each Delinquency Category / Sum of all Eligible Balance) * Total Excess | CURRENCY | ||
| Eligible Balance | Calc | Delinquency | If Y = "Yes" then Sum(X) Else 0 | CURRENCY | X:Outstanding Balance Y: Eligible Loan Flag think pivot table | ||
| Ineligible LTC Excess | Calc | Excess Concentration | If X - Y > 0 THEN (X - Y) * Z, ELSE 0 | CURRENCY | X: Actual Y: Limits z: total eligible balance | ||
| Ineligible Rehab Excess | Calc | Excess Concentration | If X - Y > 0 THEN (X - Y) * Z, ELSE 0 | CURRENCY | X: Actual Y: Limits z: total eligible balance | ||
| Ineligible ARV LTV Excess | Calc | Excess Concentration | If X - Y > 0 THEN (X - Y) * Z, ELSE 0 | CURRENCY | X: Actual Y: Limits z: total eligible balance | ||
| High Balance Excess | Calc | Excess Concentration | If X - Y > 0 THEN (X - Y) * Z, ELSE 0 | CURRENCY | X: Actual Y: Limits z: total eligible balance | ||
| Total Excess | Calc | Excess Concentration | Sum all previous values | CURRENCY | |||
| Ineligible Maturity Excess | Calc | Excess Concentration | If X - Y > 0 THEN (X - Y) * Z, ELSE 0 | CURRENCY | X: Actual Y: Limits z: total eligible balance | ||
| 2nd Largest Originator Excess | Calc | Excess Concentration | If X - Y > 0 THEN (X - Y) * Z, ELSE 0 | CURRENCY | X: Actual Y: Limits z: total eligible balance | ||
| Construction Excess | Calc | Excess Concentration | If X - Y > 0 THEN (X - Y) * Z, ELSE 0 | CURRENCY | X: Actual Y: Limits z: total eligible balance | ||
| Largest Originator Excess | Calc | Excess Concentration | If X - Y > 0 THEN (X - Y) * Z, ELSE 0 | CURRENCY | X: Actual Y: Limits z: total eligible balance | ||
| Largest State Excess | Calc | Excess Concentration | If X - Y > 0 THEN (X - Y) * Z, ELSE 0 | CURRENCY | X: Actual Y: Limits z: total eligible balance | ||
| High Balance - Ineligible Balance Excess | Calc | Excess Concentration | If X - Y > 0 THEN (X - Y) * Z, ELSE 0 | CURRENCY | X: Actual Y: Limits z: total eligible balance | ||
| Long Loan Terms Excess | Calc | Excess Concentration | If X - Y > 0 THEN (X - Y) * Z, ELSE 0 | CURRENCY | X: Actual Y: Limits z: total eligible balance | ||
| Ineligible Long Term Loans Excess | Calc | Excess Concentration | If X - Y > 0 THEN (X - Y) * Z, ELSE 0 | CURRENCY | X: Actual Y: Limits z: total eligible balance | ||
| Total Ineligible Balance Excess | Calc | Excess Concentration | If X - Y > 0 THEN (X - Y) * Z, ELSE 0 | CURRENCY | X: Actual Y: Limits z: total eligible balance | ||
| 2nd Largest State Excess | Calc | Excess Concentration | If X - Y > 0 THEN (X - Y) * Z, ELSE 0 | CURRENCY | X: Actual Y: Limits z: total eligible balance | ||
| Multi-Family Excess | Calc | Excess Concentration | If X - Y > 0 THEN (X - Y) * Z, ELSE 0 | CURRENCY | X: Actual Y: Limits z: total eligible balance | ||
| Refinance Excess | Calc | Excess Concentration | If X - Y > 0 THEN (X - Y) * Z, ELSE 0 | CURRENCY | X: Actual Y: Limits z: total eligible balance | ||
| Ineligible Experience Excess | Calc | Excess Concentration | If X - Y > 0 THEN (X - Y) * Z, ELSE 0 | CURRENCY | X: Actual Y: Limits z: total eligible balance | ||
| Ineligible FICO Excess | Calc | Excess Concentration | If X - Y > 0 THEN (X - Y) * Z, ELSE 0 | CURRENCY | X: Actual Y: Limits z: total eligible balance | ||
| Curent Charged-Off Principal Amount | Calc | Loan | If X = "Yes" | Sum(Y) | X: Charged-Off Flag Y: Accounting UPB | ||
| Maturity Date | Raw | Loan | The date of maturity of the underlying exposure or expiry of the lease. | DATE | |||
| Maturity Eligibility Flag | Calc | Loan | Mapped to Yes/No. Identifies assets that meet the maturity eligibility criteria. | If X >= as of date then "Yes" else "No" | TEXT | X: Maturity Date | |
| Borrower Experience | Raw | Loan | The experience of the lender. | TEXT | |||
| Delinquency - 3 Month Movement | Calc | Loan | the 3 month movement between delinquency categories | Concatenate ('Delinquency 3 Month Prior' value,"_",'Delinquency Category' value) | TEXT | If 'Delinquency 3 Month Prior' = "NULL" then leave field NULL | |
| Current Interest Balance | Raw | Loan | outstanding Interest balance of an asset in the given report period | CURRENCY | |||
| Pledge Date | Raw | Loan | DATE | ||||
| As Repaired Value | Raw | Loan | The As Repaired Value is the appraised value once all renovations are completed. | CURRENCY | |||
| ARV LTV | Raw | Loan | The loan to value ratio after repairs. | NUMBER | |||
| Amount Financed | Raw | Loan | The actual amount of credit made available to a borrower in a loan; the total amount of credit a borrower is approved for from a lender. | CURRENCY | |||
| Vintage Qtr | Calc | Loan | Assign the year and quarter based on the 'Seasoning Start Date' 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 | |||
| Fee Payment | Raw | Loan | Fees paid by the borrower to a lender. | CURRENCY | |||
| Original Rehab | Raw | Loan | The original renovation expenses on the property as a percentage of the total loan. | NUMBER | |||
| In Service Date | Raw | Loan | The date the asset associated with the loan (underlying deal asset) will be in service. | DATE | |||
| Construction Type | Raw | Loan | Classification of the construction being performed (i.e. new construction, rehab, etc.) | TEXT | |||
| State | Raw | Loan | Any State, Commonwealth or territory of the United States. | TEXT | |||
| Delinquency Count Ratio | Calc | Loan | A field created to add the flexibility to graphs and CRTs for identifying the percent of loans in a particular Delinquency category. Calculation is 1/# assets | When x <> "Current" then 1/count of all assets When x = "Current", then NULL | NUMBER | X: Delinquency Category | |
| Charged-Off Flag | Calc | Loan | Indicates if this asset has been charged off, i.e. written off and uncollectable. | If asset comes from Charged-Off ID Tab then set Real Estate Asset Status to "CO" If Real Estate Asset Status = "CO", "Yes", Else "No" | TEXT | ||
| Loan ID | Raw | Loan | ID of a loan. | TEXT | |||
| City | Raw | Loan | An incorporated municipal center. | TEXT | |||
| Payment Date | Raw | Loan | payment date | DATE | |||
| Rehab Eligibility Flag | Calc | Loan | A flag indicating rehab eligibility. | If X >= 50% OR Y <=50%, Then "Yes", ELSE "No" | TEXT | X: Original Rehab Percent Y: Current Rehab Percent | |
| Delinquency 1 Month Prior | Calc | Loan | Prior period delinquency category | Record the prior period 'Delinquency Category' for each asset | TEXT | If no prior period, leave NULL | |
| Original LTV | Raw | Loan | An assessment of lending risk that financial institutions and other lenders examine before approving a mortgage, calculated by dividing the loan amount by the value of the asset. | NUMBER | |||
| Seasoning Start Date | Calc | Loan | If Addition Date is < 1/1/2021 then Seasoning Start Date will be 1/1/2021. Any assets added in subsequent months will have a Seasoning Start Date of the 1st day of Addition Date | convert date from mm/dd/yyyy to mm/1/yyyy | DATE | ||
| Approved Lender Flag | Calc | Loan | If X = "LH", "SS", "FTF", "Peer", "Quanta", "CSL", "WCP", "Nvest", "Hmax", "You" Then "Yes", Else "No" | TEXT | X: Mortgage Lender | ||
| Rehab | Raw | Loan | Value of renovations. | CURRENCY | |||
| Servicer Flag | Calc | Loan | A flag to indicate whether a servicer is used. | If X = "TBD", Then "No", ELSE "Yes" | TEXT | X: Servicer Identifier | |
| Original AIV | Raw | Loan | The original as is value. | CURRENCY | |||
| Additional Collateral Value | Raw | Loan | Value of additional collateral | NUMBER | |||
| Number of Units | Raw | Loan | For property type multifamily, this is the number of units; for hospitality/hotel/healthcare - beds; for caravan parks - units. | NUMBER | |||
| Original Balance | Raw | Loan | The initial balance of each loan at the cut-off date or pre-funded month. | CURRENCY | |||
| Current Advance Balance | Raw | Loan | Advance balance currently available | CURRENCY | |||
| Advance Rate Amount | Raw | Loan | The amount that a lender has extended for a loan | CURRENCY | |||
| Account Status | Raw | Loan | The current status of the underlying exposure that has been securitised. Restructuring refers to any changes made to the contractual terms of the underlying exposure agreement due to forbearance. | TEXT | |||
| ARV to AIV Ratio | Calc | Loan | The after repair value as a percentange of the as is value. | X/Y | NUMBER | X: Current ARV Y: Current AIV | |
| Zip Code | Raw | Loan | The zip code in which the collateral is located. | TEXT | |||
| Max Advance Balance | Raw | Loan | CURRENCY | ||||
| FICO Band | Raw | Loan | FICO score range. | TEXT | |||
| Delinquency 3 Months Prior | Calc | Loan | 3 month prior delinquency category | Record the 'Delinquency Category' for 3 months prior. So 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 | TEXT | If 3 months prior does not exist, leave NULL | |
| Project Cost | Raw | Loan | The cost of a project | CURRENCY | |||
| Delinquency - 1 Month Movement | Calc | Loan | the 1 month movement between delinquency categories | Concatenate ('Delinquency 1 Month Prior' value,"_",'Delinquency Category' value) | TEXT | If 'Delinquency 1 Month Prior' = "NULL" then leave field NULL | |
| Current LTV | Raw | Loan | A percentage representing the current senior and sub-debt original balance over the value of the collateralized property. For non-first lien loans this should be the combined or total LTV. | NUMBER | |||
| Delinquency Eligibility Flag | Calc | Loan | Mapped to Yes/No. Identifies assets that meet the delinquency criteria. | If 'Days Past Due' < 60 OR 'Days Past Due' is NULL then "Yes" else "No" | TEXT | ||
| Maturity Extension Flag | Calc | Loan | A flag to indicate maturity extension. | If X =< Y+Z+3 Months, Then "Yes", ELSE "No" | TEXT | X: Maturity Date Y: Origination Date Z: Original Term | |
| Days Past Due | Raw | Loan | The number of days in which a payment has not been made as of its due date. | NUMBER | |||
| ARV LTV Flag | Calc | Loan | A flag to indicate the after repair loan to value ratio threshold. | If X =< 75%, Then "Yes", ELSE "No" | TEXT | X: ARV LTV | |
| Servicer Identifier | Raw | Loan | Unique identifier per servicer to flag which entity is servicing the loan. | TEXT | |||
| Assignment Fee | Raw | Loan | The money a wholesaler receives from an end buyer when they sell them their rights to buy the subject property. | CURRENCY | |||
| Delinquency Ratio | Calc | Loan | As of any date of determination, a ratio (expressed as a percentage) computed by dividing (i) the aggregate amount of payments due and unpaid on a PACE Asset through such date by (ii) the PACE Asset Balance of all Eligible PACE Assets. | When X <> "0-59" then Y / total Y for all assets. When X = "0-59", then NULL | NUMBER | X: Delinquency Category Y: Outstanding Balance | |
| Servicer | Raw | Loan | The entity that collects principal and interest payments from obligors and administers the portfolio after transaction closing. | TEXT | |||
| LTC Flag | Calc | Loan | A flag to indicate the loan to cost threshold. | If X and Y =<90%, Then "Yes", ELSE "No" | TEXT | X: Original Loan to Cost Y: Loan to Cost | |
| Property Type Flag | Calc | Loan | A flag to indicate multi-family homes. | If X = "Single_Family" or "Multi_Family", Then "Yes", ELSE "No" | TEXT | X: Property Type | |
| Current ARV | Raw | Loan | The current after repair value. | CURRENCY | |||
| Purchase Price | Raw | Loan | The price, relative to par, at which the underlying exposure was purchased by the SSPE. OR in case of mortgage, the original purchase price of the property. | CURRENCY | |||
| FICO Eligibility Flag | Calc | Loan | Mapped to Yes/No. Identifies borrowers that meet the FICO eligibility criteria. | If 'FICO Band' = "651 - 700" or "701+", "Yes", else "No" | TEXT | ||
| Original Term Eligible Flag | Calc | Loan | A flag to indicate long loan terms. | If X =< 24, Then "Yes", ELSE "No" | TEXT | X: Original Term | |
| Principal Balance Eligibility Flag | Calc | Loan | Mapped to Yes/No. Identifies loans that have a principal balance that meets the eligibility criteria. | If X < 3000000 then "Yes" else "No" | TEXT | X: Outstanding Balance | |
| On-Going Last Payment Date | Raw | Loan | The last scheduled payment date on an on-going basis. | DATE | |||
| % Production Completed | Raw | Loan | The percent of production completed for a given period. | NUMBER | |||
| Budget Capital | Raw | Loan | CURRENCY | ||||
| Property Type | Raw | Loan | A general classification of a type of property that a group of properties belong to. Often exhibits similar characteristic and risk profiles (i.e. Single-family, multi-family, office, retail, industrial). | TEXT | |||
| Current AIV | Raw | Loan | The current as is value. | CURRENCY | |||
| Valuation Date | Raw | Loan | Date of latest property valuation at time of latest loan advance prior to a securitisation. | DATE | |||
| Mortgage Lender | Raw | Loan | TEXT | ||||
| Contractual Interest Rate | Raw | Loan | NUMBER | ||||
| Maximum Allocated Loan Amount | Raw | Loan | This is the maximum amount that can be advanced against this asset | CURRENCY | |||
| Property Sub-Type | Raw | Loan | The sub group of of a property type that further explains the a group of similar characteristic and risk profiles (i.e. Single-family, multi-family, office, retail, industrial). | TEXT | |||
| Original Term | Raw | Loan | The length of the contract. | NUMBER | |||
| Real Estate Asset Status | Raw | Loan | This field denotes the contractual, construction, and rehabilitation status of the asset. | TEXT | |||
| Asset Purchase Date | Raw | Loan | This field denotes the date at which the Asset was acquired. | DATE | |||
| Eligible Loan Flag | Calc | Loan | A flag indicating an asset meets all the of the key eligibility criteria of the facility. | If rows 64 - 77 = "Yes", Then "Yes", ELSE "No" | TEXT | ||
| Rehab cost to Acquisition Appraisal Value | Raw | Loan | This field denotes the Renovation Expenses on the property as a percentage of its appraised value at acquisition. | NUMBER | |||
| Experience Flag | Calc | Loan | A flag to indicate inexperienced lenders. | If X = "3 - 9 Flips" OR "10+ Flips", Then "Yes", ELSE "No" | TEXT | X: Borrower Experience | |
| Alternate Advance Rate | Calc | Loan | An alternate advance rate to be used for comparisons | If X = 61-120, 65%. If X = 121-180, or 180+ 50%. ELSE 70% | NUMBER | X: Delinquency Category | |
| Number of Loans | Calc | Pool | The aggregated number of loans represented in the aggregated balance. | When Y = "Yes" | Count(X) for all loans | NUMBER | X: Servicer Identifier Y: Eligible Loan Flag |
| Total Eligible Balance | Calc | Pool | When Y = "Yes" | Sum(X) for all loans | CURRENCY | X: Outstanding Balance Y: Eligible Loan Flag | |
| WA Interest Rate | Calc | Pool | When Y = "Yes" | SUM((X) * (Z)) for each loan / T | NUMBER | X: Contractual Interest Rate Y: Eligible Loan Flag Z: Outstanding Balance T: Total Eligible Balance | |
| WA Original LTV | Calc | Pool | The weighted average original loan to value ratio. | When Y = "Yes" | SUM((X) * (Z)) for each loan / T | NUMBER | X: Original Loan to Cost Y: Eligible Loan Flag Z: Outstanding Balance T: Total Eligible Balance |
| Average Monthly Eligible Balance | Calc | Pool | The average monthly balance of eligible loans in a pool | When Y = "Yes" | Average(X) for all loans | CURRENCY | X: Outstanding Balance Y: Eligible Loan Flag |
| Report Date | Raw | Pool | The date of the servicer report/cashflow report | DATE | |||
| Removed Ratio | Calc | Pool | Ratio of removed/canceled loans to total number of loans. | Count of Loan IDs from Removed Tab / Count of Loan IDs from this period | NUMBER | ||
| WA LTV | Calc | Pool | The weighted average loan to value ratio. | When Y = "Yes" | SUM((X) * (Z)) for each loan / T | NUMBER | X: Loan to Cost Y: Eligible Loan Flag Z: Outstanding Balance T: Total Eligible Balance |
| WA ARV LTV | Calc | Pool | The weighted average after repair loan to value ratio. | When Y = "Yes" | SUM((X) * (Z)) for each loan / T | NUMBER | X: ARV LTV Y: Eligible Loan Flag Z: Outstanding Balance T: Total Eligible Balance |
| WA Original Term | Calc | Pool | When Y = "Yes" | SUM((X) * (Z)) for each loan / T | NUMBER | X: Original Term Y: Eligible Loan Flag Z: Outstanding Balance T: Total Eligible Balance | |
| Beginning Balance | Calc | Pool | Beginning Balance of a note or account. | X from prior period | CURRENCY | X: Outstanding Balance | |
| Cancelled/Removed Date | Raw | Removed | DATE | ||||
| Vintage Yr | Raw | Removed | TEXT | ||||
| Count Ratio | Calc | Removed | 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 | 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 Pull from previouse period | |
| Balance Ratio | Calc | Removed | 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 / Y | NUMBER | X: Outstanding Balance Y: Total Oustanding Balance of All Loans pull from previous period | |
| Counter | Calc | Removed | A value to allow for CRT calculations based on count | 1 | NUMBER | Assign each loan the value of 1 | |
| Vintage Mnth | Raw | Removed | TEXT | ||||
| Origination Date | Raw | Removed | The date of original underlying exposure advance. | DATE |