Navigation: Appendix A - Merge Field Descriptions (Loans) >
Merge Field |
Field Mnemonic/ Calculation |
Description |
---|---|---|
ACCRUED INTEREST |
LNACIN |
Accrued interest on loan |
APPOINTMENT DATE |
EVACDT |
|
APPOINTMENT TIME |
EVTIME |
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APPRAISAL AMOUNT |
LNAPAM |
Appraisal amount |
APPRAISAL DATE |
LNAPSR |
Appraisal date |
ARM 1ST RATE CHANGE DATE |
LN1ROL |
Date of 1st rate roll |
ARM ACCRUAL RATE |
LNAMRT |
Accrual rate on loan |
ARM ACCRUAL RATE LIFETIME MAX |
LNAMHI |
Maximum rate allowed on loan |
ARM ACCRUAL RATE LIFETIME MIN |
LNAMLO |
Minimum rate allowed on loan |
ARM ACCRUAL RATE MAX PTS DOWN |
LNAMRD |
Maximum points per period the rate can decrease |
ARM ACCRUAL RATE MAX PTS UP |
LNAMRU |
Maximum points per period the rate can increase |
ARM ACCRUAL RATE OFFSET |
LNAMOF |
Accrual rate offset |
ARM MAX PRINCIPAL BALANCE |
LNAMMX |
Maximum principal balance that the loan is allowed to reach |
ARM NEXT ACCR RATE CHANGE DATE |
LNAMDT |
Next rate change date |
ARM P/I PAYMENT CHANGE DATE |
LNPIEF |
Next P/I change date |
ASSET CLASSIFICATION |
LNACLS |
Asset classification |
BALLOON DATE |
Date used with action code 1 |
|
BANK ROUTING NUMBER |
LNABNK |
Bank routing/transit number |
BANK SOURCE ACCOUNT NUMBER |
LNANBR |
Savings or checking that will be debited for loan payment |
COLLATERAL DESCRIPTION |
LNCLDS |
Collateral description |
CURRENT LTV |
LNPBAL + LNBAL2 / LNSELL OR / LNAPAM |
Current loan-to-value ratio which is the principal balance plus the secondary balance divided by the lesser of the selling price or the appraisal amount. If the selling price or appraisal amount fields are zero, the field with a value will be used for the calculation. |
DATE INTEREST PAID TO |
LNPDTO |
Date interest is paid to |
DATE LAST ACCRUED |
LNDLAC |
Date of last interest accrual |
DATE LAST LATE |
LNLTDT |
Date of last late charge assessment |
DATE OF LAST CHECK |
Date used with action code 212 |
|
DATE OPENED |
LNOPND |
Date the loan was opened |
DEALER NAME |
DELNAM |
If this loan was originated through a dealer, you can insert this field to display the dealer name, pulled from the Loans > Account Information > Dealer Information screen.
Note: The dealer information must be maintained on the Dealer Setup > Dealers screen. If you need an init to place the dealer name in the letter, contact your GOLDPoint Systems client solutions specialist. |
DEALER NUMBER |
MLLNUM |
This field displays the dealer number of the dealer who sold this loan account, pulled from the Loans > Account Information > Dealer Information screen.
Note: The dealer information must be maintained on the Dealer Setup > Dealers screen. If you need an init to place the dealer name in the letter, contact your GOLDPoint Systems client solutions specialist. |
DUE DATE |
LNDUDT |
Loan due date |
EFFECTIVE RATE X |
LNAMRT OR |
Loan effective rate: interest rate; accrual rate; LIP rate for LIP method code 1 or 101 |
EXTRA PRINCIPAL |
LNOPMT |
Amount of extra principal to be added to the principal |
FORMATTED LOAN NUMBER |
Uses a formatted loan number that includes the office, account number, and check digit (e.g. NNNN-NNNNNN-NN). Events 44, 45, and 46 can use the ACCOUNT NUMBER merge field, which displays the office number and account number only (not the check digit). |
|
FIRST DUE DATE |
LN1DUE |
Date the first payment is due |
GRACE DAYS |
LNLTGR |
This field contains the number of days after the due date and before a payment is made that are allowed on the loan before the late charge is assessed. Pulled from the Loans > Account Information > Account Detail screen > Late/NSF tab. |
INSURER CODE |
LNINSU |
Insurer code |
INTEREST CALCULATION CODE |
LNIBAS |
Base to use to calculate loan interest |
INTEREST RATE |
LNRATE |
Annual interest rate or payment rate for payment method 7 loans |
INVESTOR GROUP |
LNIGRP |
Investor group number |
INVESTOR MASTER |
LNIMST |
Investor master number |
INVESTOR NAME |
IMNAM |
Investor name |
LATE CHARGES |
LNLATE |
Late charges on loan |
LATE CHARGES AND FEES |
LNLATE + LNFEES |
Late charges plus total loan fees |
LATE CHARGES PROJECTED |
CALC LATE |
Projected late charges for current payment |
LATE RATE |
LNLTRT |
Late rate |
LINE OF CREDIT LIMIT |
LNRLCL |
Line of credit limit |
LIP ACCRUED INTEREST |
LNLACC |
LIP accrued interest |
LIP CUSTOMER BALANCE |
LNCBAL |
LIP customer balance |
LIP DISBURSED BALANCE |
LNPBAL - LNLBAL |
LIP disbursed balance |
LIP INTEREST RATE |
LNLRAT |
LIP interest rate |
LIP LIFETIME MAX |
LNLMAX |
LIP lifetime maximum rate |
LIP LIFETIME MIN |
LNLMIN |
LIP lifetime minimum rate |
LIP RATE OFFSET |
LNLOFF |
LIP rate offset |
LIP UNDISBURSED BALANCE |
LNLBAL |
Amount of funds not yet disbursed |
LOAN FEES |
LNFEES |
Total loan fees |
LOAN OFFICER NUMBER |
LNOFCR |
Loan office number |
MATURITY DATE |
LNMATD |
Loan maturity date |
MISCELLANEOUS FUNDS |
LNMISC |
Loan miscellaneous funds |
NEXT PAYMENT DUE |
CALC |
Next payment due on the account |
NEXT PAYMENT PRINCIPAL PORTION |
Calculated |
Principal portion of current next payment |
NEXT PAYMENT INTEREST PORTION |
Calculated |
Interest portion of current next payment |
NEXT PMT WITH EXTRA PRINCIPAL |
CALC NEXT PYMT + LNOPMT |
Calculated next payment plus extra principal |
NUMBER PAYMENTS DELINQUENT |
RUN DATE - LNDUDT + |
Month’s difference between current run date and due date plus one divided by the loan frequency. Bi-weekly loans calculate the number of payments delinquent by taking the days’ difference between the run date and due date divided by 14 plus one. |
ORIGINAL PRINCIPAL BALANCE |
LNOBAL |
Original principal balance |
P/I CONSTANT |
LNPICN |
Principal/interest constant |
PARTIAL OR APPLIED TO PAYMENTS |
LNPRTL |
Partial or applied to payments |
PAYMENT FREQUENCY |
LNFREQ |
Loan payment frequency |
PER DIEM |
PODIEM |
One day’s interest calculated by taking the principal balance multiplied by the effective rate divided by the interest base. This only displays two decimal places. If you want to use three decimal places, use PER DIEM 3 DECIMALS (see below) instead. |
PER DIEM 3 DECIMALS |
PODIEM |
Use this field if you want to display the per diem with three decimal places instead of two. If you only want to show the per diem with two decimal places, use the PER DIEM merge field above instead. |
PRIME LOWER LIMIT |
LNPSLO |
Minimum rate allowed on loan after adding index rate plus margin |
PRIME UPPER LIMIT |
LNPSHI |
Maximum rate allowed on loan after adding index rate plus margin |
PRINCIPAL BALANCE |
LNPBAL |
Principal balance on loan |
PROJECTED PMT PRINCIPAL PORTION (for ARM loans) |
Calculated |
Principal portion of the projected payment |
PROJECTED PMT INTEREST PORTION (for ARM loans) |
Calculated |
Interest portion of the projected new payment |
RATE OFFSET MARGIN |
LNROFF |
Interest rate offset margin |
RATE ROUNDING FACTOR |
LNRRND |
Prints the rounded rate factor, such as 1//4th, 1/8th, 1/10th, 1/16th, or none. This information is pulled from the Round Rate To Nearest field (LNRRND) on the Loans > Account Information > Account Detail screen in CIM GOLD. |
REMAIN PORTION DUE |
LNRPDU |
Remaining unpaid portion of payment |
REMAINING TERM |
LNTERM / LNFREQ - LNINNO |
Remaining term on the loan
Loan term divided by the loan frequency minus the installment number.
For bi-weekly loans, take the term in months divided by 12 multiplied by 26 to get the number of payments. Subtract the installment from the number of payments to get remaining payments. Take remaining payments divided by 26 then multiply by 12 to get remaining term in months. |
RESERVE 1 BAL PLUS RESERVE 2 BAL |
LNR1BL + LNR2BL |
Sum of Reserve 1 and 2 balances |
RESERVE 1 BALANCE |
LNR1BL |
Reserve 1 balance |
RESERVE 1 CON PLUS RESERVE 2 CON |
LNR1CN + LNR2CN |
Sum of Reserve 1 and 2 constants |
RESERVE 1 CONSTANT |
LNR1CN |
Reserve 1 constant |
RESERVE 2 BALANCE |
LNR2BL |
Reserve 2 balance |
RESERVE 2 CONSTANT |
LNR2CN |
Reserve 2 constant |
SECURED ACCOUNT NUMBER |
Places X’s in part of the account number, e.g., XXXX-XX1234-12 |
|
SECURITY ACCOUNT |
LNSECX |
Deposit account that secures the loan |
SUBSIDY BALANCE |
LNSBAL |
Subsidy balance |
SUBSIDY CONSTANT |
LNSCON |
Subsidy constant |
TERM OF LOAN |
LNTERM |
Term of the loan |
TIMES 30 LATE LAST 12 MONTHS |
BU12M |
30+ days late in the last 12 months |
TIMES 60 LATE LAST 24 MONTHS |
BU24M |
60+ days late in the last 24 months |
TIMES LATE |
LNLTNO |
Number of times the loan has been late |
TIMES LATE 10 TO 29 |
LNLT10 |
Number of times over life of loan payment has been made 10-29 days after due date |
TIMES LATE 30 TO 59 |
LNLT30 |
Number of times over life of loan payment has been made 30-59 days after due date |
TIMES LATE 60 TO 89 |
LNLT60 |
Number of times over life of loan payment has been made 60-89 days after due date |
TIMES LATE 90 OVER |
LNLT90 |
Number of times over life of loan payment has been made 90+ days after due date |
TIMES LATE LAST 2 YEARS |
LNDELQ |
Times late in past 2 years |
TOTAL DUE |
CALC PMTS + LNLATE + LNFEES - LNPRTL + LNRPDU
For payment method 3 or 6 loans with option OP01 ILF6 set to "Y," the total due is calculated as follows: |
All payments (principal, interest and reserves) that are due (all payments where the loan due date is less than or equal to the run date) plus late charges and loan fees minus partial plus remaining portion due; payment method 5 all payments that have been billed (total of all billings on the billing screen) plus late charges and loan fees plus remaining portion due; LIP loans use prior unpaid charges plus late charges and loan fees. |
TOTAL DUE AFTER GRACE |
CALC PMTS + LNLATE + LNFEES - LNPRTL + LNRPDU
For payment method 3 or 6 loans with option OP01 ILF6 set to "Y," the total due is calculated as follows: |
All payments (principal, interest, and reserves) where the due date plus grace days is less than or equal to the run date plus late charges and loan fees minus partial plus remaining portion due; pmth 5 all payments that are billed (total of all billings on the billing screen) where the due date plus grace days is less than or equal to the run date plus remaining portion due plus late charges and fees; LIP loans only include late charges and loan fees. |
TOTAL DUE TO BALLOON OR MATURITY |
LNPBAL + CALC INT + LNLATE + LNFEES - LNR1BL - LNR2BL - LNSBAL - LNR1AI - LNR2A1 - LNMISC + NIR1AC + NIR2AC - LNLBAL - LNCBAL - LNPTRL (EXCLUDING MTHD 5 OR 6) |
Total due (includes all charges due) to the lesser of the balloon date or the maturity day. If no balloon date or maturity date, interest will be calculated to the run date. This uses the current principal balance.
Also see TOTAL DUE AT MATURITY (LETT01) for events 25, 26, and 27. It amortizes payments to maturity date. When the payments are amortized, the system makes pseudo-payments so the principal balance used is the amortized balance instead of the current principal balance. |
TOTAL INT TO BALLOON OR MATURITY |
CALC INT |
Total interest due to the lesser of the balloon date or the maturity date. If no balloon or maturity date, interest will be calculated to the run date. |
TOTAL PAYMENTS DUE |
CALC PMTS |
Total payments due (principal, interest, and reserves) where the loan due date is less than or equal to the run date |
TOTAL PMTS W FEES AND LATE CHGS |
CALC PMTS + LNLATE + LNFEES |
Total payments due (principal, interest, and reserves) where the loan due date is less than or equal to the run date plus late charges and loan fees |
TOTAL PMTS W FEES AND PARTIAL |
CALC PMTS + LNFEES - LNPRTL |
Total payments due (principal, interest, and reserves) where the due date is less than or equal to the run date plus loan fees minus partial |
TOTAL PMTS W LATE AND PARTIAL |
CAL PMTS + LNLATE - LNPRTL |
Total payments due (principal, interest, and reserves) where the loan due date is less than or equal to the run date plus late charges minus partial |
TOTAL PMTS WITH LATE CHARGES |
CAL PMTS + LNLATE |
Total payments due (principal, interest, and reserves) where the loan due date is less than or equal to the run date plus late charges |
TOT PMTS WITH LOAN FEES |
CALC PMTS + LNFEES |
Total payments due (principal, interest, and reserve) where the loan due date is less than or equal to the run date plus loan fees |
TOT PMTS WITH PARTIAL |
CALC PMTS - LNPRTL |
Total payments due (principal, interest, and reserve) where the loan due date is less than or equal to the run date minus partial |
TOTAL PRINCIPAL AND INTEREST DUE |
CALC PRIN / INT |
Total principal and interest due where the due date is less than or equal to the run date (does not work for payment method 5) |
TRANSFER ACCOUNT |
LNXFRX |
Account number of savings or checking account used as the transfer account |
TYPE |
LNTYPC |
Type of loan account |
USER DEFINED C17 |
UFC17 |
This is a user-defined field entered on the Actions/Holds/Event Letters screen. You can enter any information in those fields on that screen, and that information can be included in event letters if you include this merge field.
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USER DEFINED C34 |
UFC34 |
This is a user-defined field entered on the Actions/Holds/Event Letters screen. You can enter any information in those fields on that screen, and that information can be included in event letters if you include this merge field.
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See also:
Appendix A - Merge Field Descriptions