Datetime in PT that the data snapshot represents. All loan events known on or prior to this datetime are incorporated into the snapshot.
As of Date
Date representation of data snapshot in the format YYYY-MM-DD. The snapshost will include all loan events known on or before 11:59PM PT for the associated date.
Chapter of bankruptcy that the user filed for
Date the user filed for bankruptcy as reported to Upstart
Borrower Fees Remitted
Amount of fees that have been remitted by the user
Borrower Fees Unpaid
Fees assessed on the loan which have not yet been paid
Charged Off Amount
Total outstanding obligation including principal, interest, and fees at the moment of charge off. This does not include any repayments, settlements or collections post charge off
Charged Off Date
Date when loan was charged off
Charged Off Interest
Amount of interest charged off
Charged Off Principal
Amount of principal charged off
Charged Off Reason
Reason for which the loan was charged off
Contractual Monthly Payment Amount
User's monthly payment obligation as per their executed promissory note
Investor of the loan
Creditor Ownership Start Date
Current creditor loan ownership start date
Creditor Purchase Price
Price the current creditor paid for the loan. For fractional loans, this is the purchase price paid by Upstart Network Trust.
Days Past Due
Numbers of days that have passed since the oldest payment date not fully paid off
Debt Settlement Acceptance Date
Date on which the user accepts that the debt settlement agreement and the agreement goes into effect
Debt Settlement Agreement Date
Date on which the debt settlement was agreed between creditor and customer
Debt Settlement Amount
Amount which the user needs to pay after agreeing to the debt settlement agreement in order to satisfy their debt obligation under the terms of the debt settlement
Debt Settlement Amount Paid
Amount which the user has paid after entering a debt settlement agreement. This field will be nil for "in process" and "voided" debt settlements. This amount will be 0 for breached settlements.
Debt Settlement Breached Date
Date on which the debt settlement agreement was breached by user
Debt Settlement Completed Date
Date the debt settlement agreement terms were completed
Debt Settlement Flag
Whether user is in debt settlement (Y/N)
Debt Settlement Status
Status of the settlement agreement between user and creditor. Example values are "in_process", "in_settlement," "settled_in_full," or "breached"
User's current interest rate
Amount of interest remitted
Issuing Bank Name
Name of the bank that issued funds to the borrower at loan origination
Legal Entity Name
Creditor's legal entity name
Unique alphanumeric loan identifier assigned at origination
Loan Modified Flag
Indicates if the loan has been modified (Yes/No). Modifications could include skipping payments, reducing payments, or extending the loan term. Interest rate modifications due to SCRA eligibility are excluded.
Status of the loan (for example current, matured, charged_off, in_grace, delinquent, partially_charged_off, deferred)
Number of months in the life of the loan
Date the loan matured based on the effective payment date for the final payment
Next Scheduled Due Date
Date the next payment, principal or interest is due. For delinquent loans, this well be in the past.
Date the loan originated
Amount of money borrowed under the terms of the note. Equal to the amount the borrower received plus origination charges
Outstanding Principal Remitted
Amount of principal outstanding based on principal payments remitted. If the loan has been charged off, this will be zero.
Partially Charged Off Date
Date loan was partially charged off (does not include fully charged off loans)
Frequency of payments required as indicated in promissory note
Total amount of principal remitted
Total amount of payments allocated to recovery. All payments that are effective after a loan is charged off are allocated to recovery.
Number of months remaining until the loan matures. This figure is represented in decimal format, rounded to two decimals
Upstart defined risk grade assigned to loan
SCRA Modified Flag
Whether the user's interest rate has been modified after being approved for SCRA interest rate relief (Yes/No)
Unpaid Accrued Interest
Amount of interest accrued and has not been paid. This balance is $0 on origination date and starts accruing the following calendar day at midnight.