Loan tape field reference

A loan tape is a scheduled CSV export that delivers loan or payment data to investors, typically over SFTP. This page lists every column that can appear in a tape: the 147 loan-tape fields and the 27 payment-tape fields. These counts match the OpenAPI LoanTapeFields and PaymentTapeFields enums and the field catalog the Admin Portal offers when you build a tape type.

To configure delivery, encryption, file naming, and which fields a tape includes, see Manage loan tapes and loan tape types. To generate a tape scoped to one investor, see the loan-tape API in the Peach API Reference.

Columns are configuration-driven

The 147 loan and 27 payment fields are the full catalog a tape type can draw from — not a fixed column set. Each tape type selects which fields appear and in what order through its loanFields or paymentFields array, so any given tape file contains a subset of these columns in the configured order.

How to read this reference

Column header — the field name shown here, unless the tape type remaps it through fieldNameMappings.
Type — the semantic type of the value. In the CSV every value is text; the type tells you how to parse it.
Money — amounts are emitted in the tape type's configured money unit: minor units (integer cents) by default, or full units (decimal) when the tape type uses fullUnit.
Date / Datetime — emitted in ISO 8601.
Enum — one of a fixed set of string values; the description lists them.
loanMetaData — expands to one column per key configured in the tape type's loanMetaDataFields; it is not a single fixed column.
dataStatus — reports per-row data completeness. When a loan's snapshot is missing or incomplete, the row is included with empty values or excluded entirely, depending on the tape type's action-on-missing-data setting (the effective default includes the loan with empty values).

Loan tape fields

The loan tape reports one row per loan as of the report date. Field names are defined by the OpenAPI LoanTapeFields enum; field meanings are derived from the tape data-gatherers in code.

Investor association

Field	Type	Description
`investorId`	String	The unique identifier of the investor (investor is an owner of the account/asset, also called facility in capital market terms).
`investorLegalName`	String	The investor legal name.
`investorOwnershipPercentage`	Decimal	The ownership percentage of the account. The format is decimal. For example, 0.01 is 1% ownership and 0.15 is 15% ownership.
`secondInvestorId`	String	The unique identifier of the second investor in case two investors split ownership (investor is an owner of the account/asset, also called facility in capital market terms).
`secondInvestorLegalName`	String	The second investor legal name.
`secondInvestorOwnershipPercentage`	Decimal	The second investor ownership percentage of the account. The format is decimal. For example, 0.01 is 1% ownership and 0.15 is 15% ownership.

Loan identity and terms

Field	Type	Description
`loanId`	String	The account unique identifier in Peach.
`loanStatus`	Enum	The current status of the account (pending, originated, declined, active, frozen, accelerated, chargedOff, paidOff, canceled).
`loanExternalId`	String	The account unique external identifier.
`loanType`	Enum	The account type (installment, lineOfCredit, draw).
`loanTypeId`	String	The account type (also called asset policies) unique identifier. This is created specifically for each lender's credit product by Peach.
`mainBorrowerId`	String	The main borrower unique identifier in Peach.
`mainBorrowerExternalId`	String	The main borrower unique external identifier.
`activationDate`	Date	The date the account was activated. On activation date the account status changes from `originated` to `active`.
`merchantId`	String	The merchant ID recorded on the loan.
`merchantBusinessName`	String	The merchant business name recorded on the loan.
`originalDuration`	Integer	The loan original duration as appears in the agreement.
`originalPaymentFrequency`	Enum	The loan original payments frequency as appears in the agreement. Possible values are: weekly, everyTwoWeeks, twiceMonthly, monthly.
`currentPaymentFrequency`	Enum	The current loan payments frequency (weekly, every two weeks, twice a month or monthly).
`paidOffDate`	Date	The date a loan was paid off.
`isLoanModified`	Boolean	`true` if the loan was modified since it was activated. Modification reasons include changes such as: schedule deferral, due date(s) deferral, duration change, reamortization, interest or promo rate change, etc.
`projectedPayoffDate`	Date	The projected payoff date based on the current loan balances (only applicable to installment loans).
`remainingDuration`	Integer	The remiaining duration of the loan based on the current loan balances (only applicable to installment loans).

Rates and scheduled amounts

Field	Type	Description
`currentCreditLimit`	Money	The account credit limit.
`lastDueDate`	Date	The last due date of the account. The date might change if the account terms changed (e.g. a due date was deferred).
`effectiveAPR`	Decimal (rate)	The effective APR.
`interestRate`	Decimal (rate)	The annual interest rate effective on the `reportDate`.
`promoRate`	Decimal (rate)	The promo interest rate effective on the `reportDate`.
`contractualRecurringAmount`	Money	The recurring amount as communicated to the borrower in the agreement.
`amountFinanced`	Money	The amount financed.
`firstDueDateExpectedAmount`	Money	The amount that the borrower is or was expected to pay by the first due date.
`firstDueDatePaymentAmountByDueDate`	Money	The actual amount that the borrower paid by the first due date.
`upcomingDueDate`	Date	The upcoming due date.
`upcomingDueDateExpectedAmount`	Money	The amount that the borrower is expected to pay by the upcoming due date.
`indexRate`	Decimal (rate)	The index rate. Used along with interestRate when "interestType=spread".
`interestType`	Enum	The interest type (spread or absolute). Interest rates defined as "spread" will calculate an absolute rate by adding the relative loan rate (aka spread) provided in interestRate to the Index Interest Rate (indexRate) effective on the date the interest is accrued. In case the Index Interest Rate is not set, the system will assume that the Index Interest Rate value is zero on the date the interest is accrued. Interest rates defined as "absolute" will use the value as provided here without adding the Index Interest Rate.
`currentRecurringAmount`	Money	The current loan recurring amount. If the loan was reamortized at some point, this value would the most recent amortized recurring amount.
`principalAmount`	Money	The principal amount

Balances and fee breakdowns

Field	Type	Description
`outstandingBalanceTotalAmount`	Money	The total outstanding balance sums outstanding principal, interest, and fees. Also called the account payoff amount. If the account status is `chargedOff`, the amount will be equal to `chargedOffPrincipalAmount`.
`outstandingBalancePrincipalAmount`	Money	The principal portion of the `outstandingBalanceTotalAmount`.
`outstandingBalanceInterestAmount`	Money	The interest portion of the `outstandingBalanceTotalAmount`.
`outstandingBalanceFeesAmount`	Money	The fees portion of the `outstandingBalanceTotalAmount`.
`overdueNumberDays`	Integer	The number of days that the account is overdue.
`overdueBalanceTotalAmount`	Money	The account overdue balance.
`overdueBalancePrincipalAmount`	Money	The principal portion of the overdue balance.
`overdueBalanceInterestAmount`	Money	The interest portion of the overdue balance.
`overdueBalanceFeesAmount`	Money	The fees portion of the overdue balance.
`dueBalanceTotalAmount`	Money	Due balances represent balances that are currently due. The total due balance sums due principal, interest, and fees.
`dueBalancePrincipalAmount`	Money	The principal portion of the `dueBalanceTotalAmount`.
`dueBalanceInterestAmount`	Money	The interest portion of the `dueBalanceTotalAmount`.
`dueBalanceFeesAmount`	Money	The fees portion of the `dueBalanceTotalAmount`.
`nonDueBalanceTotalAmount`	Money	Non due balances represent balances that are not yet due. The total non-due balance sums non-due principal, interest, and fees.
`nonDueBalancePrincipalAmount`	Money	The principal portion of the `nonDueBalanceTotalAmount`.
`nonDueBalanceInterestAmount`	Money	The interest portion of the `nonDueBalanceTotalAmount`.
`nonDueBalanceFeesAmount`	Money	The fees portion of the `nonDueBalanceTotalAmount`.
`overdueOver30DaysBalanceTotalAmount`	Money	The account balance that is over 30 days overdue.
`overdueOver60DaysBalanceTotalAmount`	Money	The overdue total amount that is overdue for over 60 days.
`overdueOver90DaysBalanceTotalAmount`	Money	The overdue total amount that is overdue for over 90 days.
`overdueOver120DaysBalanceTotalAmount`	Money	The overdue total amount that is overdue for over 120 days.
`overdueOver150DaysBalanceTotalAmount`	Money	The overdue total amount that is overdue for over 150 days.
`overdueOver180DaysBalanceTotalAmount`	Money	The overdue total amount that is overdue for over 180 days.
`nonDueBalanceOriginationFeesAmount`	Money	The current non due amount of origination fees.
`nonDueBalanceDrawFeesAmount`	Money	The current non due amount of draw fees.
`nonDueBalanceLateFeesAmount`	Money	The current non due amount of late fees.
`nonDueBalanceModificationFeesAmount`	Money	The current non due amount of modification fees.
`dueBalanceOriginationFeesAmount`	Money	The current due amount of origination fees.
`dueBalanceDrawFeesAmount`	Money	The current due amount of draw fees.
`dueBalanceLateFeesAmount`	Money	The current due amount of late fees.
`dueBalanceModificationFeesAmount`	Money	The current due amount of modification fees.
`overdueBalanceOriginationFeesAmount`	Money	The overdue amount of origination fees.
`overdueBalanceDrawFeesAmount`	Money	The overdue amount of draw fees.
`overdueBalanceLateFeesAmount`	Money	The overdue amount of late fees.
`overdueBalanceModificationFeesAmount`	Money	The overdue amount of modification fees.
`outstandingBalanceOriginationFeesAmount`	Money	The outstanding amount of origination fees.
`outstandingBalanceDrawFeesAmount`	Money	The outstanding amount of draw fees.
`outstandingBalanceLateFeesAmount`	Money	The outstanding amount of late fees.
`outstandingBalanceModificationFeesAmount`	Money	The outstanding amount of modification fees.
`nonDueBalanceMembershipFeesAmount`	Money	The membership-fees portion of the non-due balance. Membership-fee feature; gated by a feature flag.
`dueBalanceMembershipFeesAmount`	Money	The membership-fees portion of the due balance. Membership-fee feature; gated by a feature flag.
`overdueBalanceMembershipFeesAmount`	Money	The membership-fees portion of the overdue balance. Membership-fee feature; gated by a feature flag.
`outstandingBalanceMembershipFeesAmount`	Money	The membership-fees portion of the outstanding balance. Membership-fee feature; gated by a feature flag.

Payments, credits, and autopay

Field	Type	Description
`creditsAppliedTotalAmount`	Money	The total amount of service credits applied to the account from the account activation through `reportDate`.
`paymentsMadeTotalAmount`	Money	The total amount of payments applied to the account from the account activation through `reportDate`.
`paymentsMadePrincipalAmount`	Money	The principal portion of payments and credits made (also called principal split).
`paymentsMadeInterestAmount`	Money	The interest portion of payments and credits made (also called interest split).
`paymentsMadeFeesAmount`	Money	The fees portion of payments and credits made (also called fees split).
`paymentsMadeOverAmount`	Money	The amount over paid.
`paymentsMadeReimbursementsAmount`	Money	The amount of reimbursements paid.
`lastSuccessfulPaymentEffectiveDate`	Date	The effective date of the most recent successful payment.
`lastSuccessfulPaymentTotalAmount`	Money	The amount of the most recent successful payment.
`lastSuccessfulPaymentPrincipalAmount`	Money	The principal portion of the most recent successful payment amount (also called payment principal split).
`lastSuccessfulPaymentInterestAmount`	Money	The interest portion of the most recent successful payment amount (also called payment interest split).
`lastSuccessfulPaymentFeesAmount`	Money	The fees portion of the most recent successful payment amount (also called payment fees split).
`isAutopayOn`	Boolean	`true` if Autopay is enabled on the account.
`recentAutopayAuthorizationDate`	Date	The most recent date when Autopay was authorized/enabled on the account.
`reimbursementAmount`	Money	The amount owed to the borrower.
`refundedAmount`	Money	The total amount of refunds applied from account activation date through the `reportDate`.

Delinquency counters

Field	Type	Description
`isOverdue`	Boolean	`true` if the account is overdue.
`timesOverdue15Days`	Integer	The number of times the account was overdue more than 15 days.
`timesOverdue30Days`	Integer	The number of times the account was overdue more than 30 days.
`timesOverdue60Days`	Integer	The number of times the account was overdue more than 60 days.
`timesOverdue90Days`	Integer	The number of times the account was overdue more than 90 days.
`timesOverdue120Days`	Integer	The number of times the account was overdue more than 120 days.

Charge-off

Field	Type	Description
`isChargedOff`	Boolean	`true` if the account was charged off.
`chargedOffDate`	Date	The date when the account was charged off.
`chargedOffPrincipalAmount`	Money	The principal portion of the charged off balance. The balance can change if payments were applied after the account was charged off.
`chargedOffInterestAmount`	Money	The interest portion of the charged off balance. The balance can change if payments were applied after the account was charged off.
`chargedOffFeesAmount`	Money	The fees portion of the charged off balance. The balance can change if payments were applied after the account was charged off.
`chargedOffTotalAmount`	Money	The account charged off balance. The balance can change if payments were applied after the account was charged off.
`chargedOffReason`	Enum	The charge off reason (term, fraudulent, bankruptcy, legal).

Interest accrual, discount, and origination fee

Field	Type	Description
`netInterestAccruedTotalAmount`	Money	The net interest accrued on since the account activation date.
`interestDiscountTotalAmount`	Money	The interest discount amount applied since the account activation date.
`forgoneInterestCapAmount`	Money	The forgone interest amount because the total accued interest hit the interest cap that was set.
`dailyInterestAccruedAmount`	Money	The daily amount of accrued interest.
`dailyInterestDiscountAmount`	Money	The daily amount of discounted interest.
`dailyForgoneInterestCapAmount`	Money	The daily amount of forgot interest that was forgone due to a defined cap.
`originationFeeAmount`	Money	The origination fee amount.

Report, status, and metadata

Field	Type	Description
`reportDate`	Date	The effective date of the information reported. The amounts and statuses are as of the `reportDate` end of day.
`loanMetaData`	Dynamic	The loan metadata. Expands to one column per key listed in the tape type's `loanMetaDataFields`; a key that collides with a standard column is suffixed `LoanMetaData`.
`dataStatus`	Enum	Row-level data-completeness flag computed when the tape row is built (not a snapshot attribute): `complete` when the loan's snapshot data is fully populated, or `missingData` when the snapshot is missing or incomplete.

Borrower identity and contact

Field	Type	Description
`mainBorrowerFirstName`	String	The main borrower first name.
`mainBorrowerLastName`	String	The main borrower last name.
`mainBorrowerDateOfBirth`	Date	The main borrower date of birth.
`mainBorrowerIdentityType`	Enum	The borrower's identity type (SSN, ITIN, passport, driversLicense, taxID, FEIN, stateID, customID).
`mainBorrowerIdentityValue`	String	The borrower's identity number (SSN, ITIN, tax ID, FEIN, and similar). PII: populated only when the tape is encrypted — set `encryptionMethod` and `publicKey` when you create the loan tape. Tokenized at rest.
`mainBorrowerIdentityIssuingCountry`	String	The country that issued the borrower's primary identity document.
`mainBorrowerIdentityIssueDate`	Date	The date the borrower's primary identity document was issued.
`mainBorrowerIdentityExpirationDate`	Date	The expiration date of the borrower's primary identity document.
`mainBorrowerBusinessLegalName`	String	The business legal name (if the borrower is a business.)
`mainBorrowerBusinessType`	Enum	The business type (if the borrower is a business.) Values are governed by the `BusinessDetails` API schema. Possible values are: LLC, cCorporation, sCorporation, generalPartnership, limitedPartnership, soleProprietor, nonProfit, other, cooperative, independentContractor, selfEmployed, veteransOrganization, tribalBusiness, soleTrader, incorporatedAssociation, unincorporatedAssociation, trust, unitTrust, appointorTrust.
`currentAddressState`	String	The main borrower home or business address state.
`currentAddressPostalCode`	String	The main borrower home or business address postal code.
`currentAddressLine1`	String	The main borrower home or business address line 1.
`currentAddressLine2`	String	The main borrower home or business address line 2.
`currentAddressCity`	String	The main borrower home or business address city.
`currentAddressCountry`	String	The main borrower home or business address country.
`currentEmail`	String	The main borrower email.
`currentPhone`	String	The main borrower phone.

Compliance: SCRA and bankruptcy

Field	Type	Description
`isInSCRAStatus`	Boolean	`true` if the main borrower has an SCRA Case in open status.
`activeDutyStartDate`	Date	The duty start date. This is populated when Peach gets the first hit from the SCRA database.
`activeDutyEndDate`	Date	The duty end date. This is normally populated when duty ends. During ongoing duty, the value will remain empty.
`isInBankruptcy`	Boolean	`true` if the main borrower has a Bankruptcy Case in open status.
`bankruptcyFiledDate`	Date	The bankruptcy court filing date. This is also when `automatic stay` is invoked and creditors must stop calling borrowers or making attempts to collect on his or her debt.
`bankruptcyCourtCaseNumber`	String	The unique identifier the courts use during the filing and review of the bankruptcy.
`bankruptcyLastStatus`	Enum	The latest-reported bankruptcy case status, not case outcome, as it appears in the court (filed, dismissed, discharged, conversion, reinstated, closedFiledInError, closedTransferredOut, closedDischargeNA, closedUndeterminedReason)
`bankruptcyDisposition`	Enum	The outcome of the bankruptcy case decided by the court (dismissed, discharged, reinstated).
`bankruptcyChapter`	Enum	The bankruptcy chapter code (chapter7, chapter9, chapter11, chapter12, chapter13, chapter15, other).

Payment tape fields

The payment tape reports one row per payment-type transaction joined to investor settlements, plus external and external-processor payments. The set of transaction statuses included differs by source: settled transactions include pending, succeeded, chargeback, in-dispute, and failed; external payments include succeeded, chargeback, and failed.

Field	Type	Description
`reportDate`	Date	The effective date of the information reported. The data includes transactions up to the `reportDate` end of day.
`loanId`	String	The account unique identifier in Peach.
`loanExternalId`	String	The account unique external identifier.
`investorId`	String	The unique identifier of the investor (investor is an owner of the account/asset, also called facility in capital market terms).
`investorLegalName`	String	The investor legal name.
`investorOwnershipPercentage`	Decimal	The ownership percentage of the account. The format is decimal. For example, 0.01 is 1% ownership and 0.15 is 15% ownership.
`secondInvestorId`	String	The unique identifier of the second investor in case two investors split ownership (investor is an owner of the account/asset, also called facility in capital market terms).
`secondInvestorLegalName`	String	The second investor legal name.
`secondInvestorOwnershipPercentage`	Decimal	The second investor ownership percentage of the account. The format is decimal. For example, 0.01 is 1% ownership and 0.15 is 15% ownership.
`transactionId`	String	The transaction unique identifier in Peach.
`transactionExternalId`	String	The transaction unique external identifier.
`status`	Enum	The status of the transaction (pending, succeeded, failed, inDispute, chargeback).
`effectiveDate`	Date	The effective date of the transaction. This is when the transaction was applied to the account.
`totalAmount`	Money	The amount of the transaction.
`principalAmount`	Money	The principal portion of the transaction amount (also called transaction principal split).
`interestAmount`	Money	The interest portion of the transaction amount (also called transaction interest split).
`feesAmount`	Money	The fees portion of the transaction amount (also called transaction fees split).
`unappliedAmount`	Money	If the transaction amount was greater than the account balance, this amount will represent unapplied portion.
`paymentMethodType`	Enum	The transaction method type (ach, debitCard, creditCard, check, cash, payroll, paymentNetwork, moneyOrder, wire).
`processingFeeType`	Enum	The type of processing fees - net or gross. If it is a net fee, the amount of the fee is deducted from the amount of the transaction "en route". If it is a gross fee, the amount of the fee is charged by the processor at the end of the month.
`processingFeeAmount`	Money	Transaction processing fees that are charged by a payment processor.
`isReversal`	Boolean	`true` means this transaction is a reversal of another transaction.
`isReimbursement`	Boolean	`true` means this transaction is a reimbursement. Meaning the funds owed to the borrowers were sent in this transaction.
`reversingTransactionId`	String	Peach unique identifier of the transaction that this transaction reversed.
`reversingTransactionExternalId`	String	External unique identifier of the transaction that this transaction reversed.
`settlementId`	String	The settlement batch unique Peach identifier in which the transaction was included.
`settlementDate`	Date	The date of the settlement batch in which the transaction was included.

Field selection, ordering, and money units

A tape type controls how these fields appear:

Selection and order — the loanFields / paymentFields array sets which columns appear and in what order. The catalog above is not the column order of any specific tape.
Headers — column headers default to the field names above; fieldNameMappings overrides individual headers.
Money unit — moneyUnit (subUnit100 for minor units, the default, or fullUnit for decimals) applies to every amount column.

Configure these in the Admin Portal or through the loan-tape API.