Loan

A loan from application through underwriting, disbursement, accrual, payments and payoff; a mortgage carries its escrow, an SBA loan its guarantee, and a share of a loan can be sold to or bought from another bank.

OBJECTThe Loan objectA loan from application through underwriting, disbursement, accrual, payments and payoff; a mortgage carries its escrow, an SBA loan its guarantee, and a share of a loan can be sold to or bought from another bank.POSTCreate a loan/loans · Apply for a loan (underwritten at once)GETList all loans/loans · List loans POSTRun the daily interest accrual for a business date/loans/accrual-runsGETReg B adverse action records and their 30-day notice clocks/loans/adverse-actionsPOSTRun the allowance for credit losses for a business date and provision the difference/loans/allowance-runsGETList allowance runs/loans/allowance-runsGETCheck for dated accrual gaps, unapplied contractual rate resets and unresolved lending money commands/loans/close-readiness · Operator lending authority required POSTRun the past-due sweep for a business date: late fees, nonaccrual and charge-offs/loans/delinquency-runsPOSTBuy a share of another bank's loan or a syndicated credit's allocation/loans/participation-purchasesGETThe lending book: by status, delinquency bucket and product/loans/portfolioGETGet a loan by ID/loans/{id} · Read a loan GETPage every loan and facility's retained principal at the close of each business date, by Schedule RC-C category/loans/call-report/balances · Staff or service identity with lending:read or lending:write; customers and API keys are refused GETPage the loan and facility records the closing-day source retained for a business date: status, delinquency, original amounts and commitments by Schedule RC-C category/loans/call-report/closing-credits · Staff or service identity with lending:read or lending:write; customers and API keys are refused GETPage the charge-offs and recoveries of a period, by Schedule RC-C category, with the participants' and the bank's shares/loans/call-report/credit-losses · Staff or service identity with lending:read or lending:write; customers and API keys are refused POSTCapture actual nonbank calendar-month-end loan accrual and billing sources/loans/closing/calendar-sources · Verified lending close authority GETRead bounded capture window and retained source availability/loans/closing/source-readiness · Verified lending staff/service authority; fresh staff step-up for writes POSTCapture actual closing-day lending inputs and seal remaining cutoff window/loans/closing/sources · Verified lending staff/service authority; fresh staff step-up for writes GETPage escrow obligations and unfinished recovery commands/loans/escrow/workPOSTCapture exact confidential loan and facility evidence for an approved request, its candidate set and the subject's own account numbers inside the original account window/loans/information-requests/search · Confidential bounded 314(a) request custody POSTActivate due approved and delivered contractual rate resets/loans/rates/runsGETList next contractual resets and unmet notice requirements/loans/rates/workGETRead exact loan terms for affiliate credit review/loans/{id}/affiliate-credit · Verified staff/service lending:read authority required GETCurrent obligation including principal, accrued interest and fees for affiliate coverage/loans/{id}/affiliate-exposure · Verified staff/service lending:read required GETRead source ledger identity before affiliate funding authorization/loans/{id}/affiliate-funding-source · Verified lending:read staff/service authority required GETRead exact source revision and pending financial state without a lending write lock/loans/{id}/affiliate-version · Verified lending:read staff/service authority POSTCapture immutable closing terms and requirements/loans/{id}/closingsPOSTDecide a loan in review/loans/{id}/decide · Decide a loan in review: an independent credit officer approves or declines it POSTDisburse an approved loan/loans/{id}/disbursementsPOSTPay a tax or insurance bill from a mortgage's escrow/loans/{id}/escrow-disbursementsGETA mortgage's escrow payments/loans/{id}/escrow-disbursementsPOSTSell a share of a loan to another bank/loans/{id}/participationsGETThe shares sold on a loan/loans/{id}/participationsPOSTApply a payment/loans/{id}/paymentsGETPayoff quote for a date/loans/{id}/payoff-quotePOSTExecute a payoff good through the business date/loans/{id}/payoffsPOSTPropose immutable signed-note variable-rate terms/loans/{id}/rate-contractGETRead the signed variable-rate contract/loans/{id}/rate-contractPOSTCalculate and capture the next contractual rate reset and notice/loans/{id}/rate-resetsGETRead immutable rate-reset history/loans/{id}/rate-resetsPOSTApply a recovery on a charged-off loan to the allowance/loans/{id}/recoveriesPOSTReturn a nonaccrual loan to accrual once it is current/loans/{id}/restore-accrualGETAmortisation schedule/loans/{id}/schedulePOSTRecord delivery of the adverse action notice/loans/adverse-actions/{id}/noticeGETRead immutable closing-day source metadata/loans/closing/sources/{business_date} · Verified lending staff/service authority; fresh staff step-up for writes GETRead closing evidence and funding state/loans/{id}/closings/{case}POSTCapture an initial or annual aggregate escrow analysis/loans/{id}/escrow/analysesGETList the loan's immutable escrow analyses/loans/{id}/escrow/analysesGETFetch unapproved New York Fed index candidates/loans/rates/indexes/{index}/candidatesPOSTPropose an index observation with immutable source evidence/loans/rates/indexes/{index}/observationsGETRead index publication and review history/loans/rates/indexes/{index}/observationsPOSTIndependently approve or reject a rate record/loans/rates/records/{record}/reviewPOSTCancel and fence an unposted closing/loans/{id}/closings/{case}/cancellationPOSTRecord the signed contractual obligation after disclosure checks/loans/{id}/closings/{case}/consummationPOSTArchive closing evidence for independent review/loans/{id}/closings/{case}/documentsPOSTRelease closing after conditions and rescission clearance/loans/{id}/closings/{case}/releasePOSTRecord written rescission and fence unposted funding/loans/{id}/closings/{case}/rescissionGETRead an escrow analysis and statement content/loans/{id}/escrow/analyses/{analysis}POSTPropose cancellation of an unapplied reset for independent review/loans/{id}/rate-resets/{reset}/cancellationsPOSTRecord verified notice delivery evidence/loans/{id}/rate-resets/{reset}/deliveryPOSTRender and archive an approved rate notice/loans/{id}/rate-resets/{reset}/noticeGETDownload the archived rate notice/loans/{id}/rate-resets/{reset}/notice.pdfPOSTIndependently decide closing terms or document evidence/loans/{id}/closings/{case}/reviews/{subject}POSTTransfer the analysis's opening deposit, lump sum or refund/loans/{id}/escrow/analyses/{analysis}/adjustmentsPOSTRecord actual escrow statement delivery evidence/loans/{id}/escrow/analyses/{analysis}/deliveryPOSTApply the delivered escrow payment schedule to future installments/loans/{id}/escrow/analyses/{analysis}/payment-changePOSTRender and archive an immutable escrow statement/loans/{id}/escrow/analyses/{analysis}/statementGETDownload the archived escrow statement/loans/{id}/escrow/analyses/{analysis}/statement.pdfGETDownload immutable closing evidence/loans/{id}/closings/{case}/documents/{document}/pdf