Glossary Loans Endpoint


borrower-fees-unpaid - Fees assessed on the loan which have not yet been paid

scra-modified-flag - Whether the user's interest rate has been modified after being approved for SCRA interest rate relief (Yes/No)

remaining-term - Number of months remaining until the loan matures. This figure is represented in decimal format, rounded to two decimals

recovery-remitted - Total amount of payments allocated to recovery. All payments that are effective after a loan is charged off are allocated to recovery.

purchase-price - Price the current creditor paid for the loan. For fractional loans, this is the purchase price paid by Upstart Network Trust.

principal-remitted - Total amount of principal remitted

payment-frequency - Frequency of payments required as indicated in promissory note

partially-charged-off-date - Date loan was partially charged off (does not include fully charged off loans)

outstanding-principal-remitted - Amount of principal outstanding based on principal payments remitted. If the loan has been charged off, this will be zero.

origination-date - Date the loan originated

next-scheduled-due-date - Date the next payment, principal or interest is due. For delinquent loans, this well be in the past.

matured-date - Date the loan matured based on the effective payment date for the final payment

loan-term - Number of months in the life of the loan

loan-status - Status of the loan (for example current, matured, charged_off, in_grace, delinquent, partially_charged_off, deferred)

origination-principal - Amount of money borrowed under the terms of the note. Equal to the amount the borrower received plus origination charges

loan-id - 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.

risk-grade - Upstart defined risk grade assigned to loan

issuing-bank-name - Name of the bank that issued funds to the borrower at loan origination

creditor-name - Investor of the loan

interest-remitted - Amount of interest remitted

interest-rate - User's current interest rate

contractual-monthly-payment-amount - User's monthly payment obligation as per their executed promissory note

debt-settlement-status - Status of the settlement agreement between user and creditor. Example values are "in_process", "in_settlement," "settled_in_full," or "breached"

debt-settlement-flag - Whether user is in debt settlement (Y/N)

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-completed-date - Date the debt settlement agreement terms were completed

debt-settlement-breached-date - Date on which the debt settlement agreement was breached by user

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-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

days-past-due - Numbers of days that have passed since the oldest payment date not fully paid off

creditor-ownership-start-date - Current creditor loan ownership start date

charged-off-date - Date when loan was charged off

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-reason - Reason for which the loan was charged off

charged-off-principal - Amount of principal charged off

charged-off-interest - Amount of interest charged off

borrower-fees-remitted - Amount of fees that have been remitted by the user

bankruptcy-date - Date the user filed for bankruptcy as reported to Upstart

bankruptcy-chapter - Chapter of bankruptcy that the user filed for

as-of - 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.

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.

legal-entity-name - Creditor's legal entity name