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LP
Lin Park
Senior Officer - Charlotte
New loan

Loan #57988

Marcus Reyes - installment - active - tenant loanmeld-prod

Demo dataLoan queuePost payment
activePayment holdParticipationServicing WatchCampaign: Spring Reactivation 2026
leadnew-bookachCHARLOTTErisk-lowcurrent
Product
installment
Charlotte (CHARLOTTE)
Loan
#57988
originated 2026-04-03
Borrower
Marcus Reyes
customer record
Rate
699.00% note
Reg-Z APR 886.76%
Paid
$702.90
of $1,000.00 principal advanced
Schedule
2/12
biweekly installments
Applied2026-04-03
›
Approved—
›
Funded2026-04-03
›
Final due2026-09-18
Loan actionsView audit log
Tags & campaign
reapply-gating loan tags (system facts are worker-minted) and the marketing-origin attribution
Servicing Watch
Campaign attributionSpring Reactivation 2026
Servicing roles
the reviewer, collector, approver, and administrator staffed on this loan
Approver
assigned
Henry Walsh
since 2026-04-02 - by Lin Park
Reviewer
open
Unassigned
no operator staffed on this role
Collector
open
Unassigned
no operator staffed on this role
Administrator
assigned
Lin Park
since 2026-04-03 - by Lin Park
Referral information
Lead originlead
Lineagenew borrower
StoreCharlotte (CHARLOTTE)
Risk78 - low
Decision snapshotRetained
PII watch flagClear
Contract
Contract is signed
Signed at2026-04-02 19:00
Amount financed$1,000.00
Finance charge$3,217.32
Total of payments$4,217.32
Open in documents
Default funding
funded
Funding railach
Processor-
Funded on2026-04-03
Disbursed$1,000.00
Evidencedemo:ledger:disburse:58044:20260403:100000
Refinance
adjust-and-confirm: the server prices the payoff carry-over and the minimum-principal floor on every call - a below-floor request refuses with the corrected minimum, never badge-and-originate
PrincipaliPrincipal advanced minus the current balance, over the principal advanced.$702.90 of $1,000.00
Interest postediInterest the daily accrual drain has posted to the ledger, over the interest priced into the booked schedule.$0.00 of $1,072.44 scheduled
Fees coverediFee amounts no longer outstanding (covered by payments or reversal), over every fee the buckets grid itemizes as due.$0.00 of $0.00 due
Total past dueiInstallments that came due before today and are not yet covered by payments, plus unpaid fees. Payments cover installments oldest-first.
$0.00
schedule $0.00 + fees $0.00
Current payoffiWhat settles the loan today: principal outstanding plus interest accrued so far and unpaid fees. Scheduled interest not yet earned is rebated, so this can sit far below the remaining schedule.
$297.10
balance + fees $0.00
Current balanceiPrincipal advanced minus payments applied — the outstanding figure customer available credit is computed from.
$297.10
principal $1,000.00
Next due
2026-05-15
current
Payments2Scheduled1Autopay0Prenotes0Funding1Interest0Fees0Approvals1Schedule12Plans1Documents2Attributes3Staffing2Flags2Holds0Remaps0Audit1

Payments

2
WhenTypeAmountProcessorIdempotency key
▸2026-05-04 09:14capture$351.45-demo:payment:capture:58044:20260504:35145
No payment event behind this posting — it was posted directly to the ledger (drain or seeded history), so there is no processor detail to disclose.
Ledger transactionabababab-1005-4aba-8aba-abababababab
Idempotency keydemo:payment:capture:58044:20260504:35145
Work queue1CollectionsProjections1
ItemStatusPriorityOwner
Verify payoff quote
Confirm borrower payoff before sending final packet.
open60Lin Park
Collections stateValueEvidence
Case statusNo active casecollections case
Promise--
Next action-severity
Contact controlsAllowedstandard
ProjectionBalanceEventsHash
2026-05-04 09:10$297.101111111111111
Servicing action
writes workflow, audit, queue, collections, and customer watch state through the API
Select an action and write the operational reason.
Workflow evidence
1
loan-level actions retained for audit and SOC evidence
ActionReasonActorEvidenceCreated
loan.finalizeApproved underwriting file was converted to loan servicing.Lin Parkloan/58044/handoff.json2026-05-04 09:08
Event timeline
1
payments, returns, documents, notes, and audit evidence
payment.ach.posted
posted
fallback
2026-05-03 19:00 - hash 0000000000
Communications
1
delivery notices, collection contacts, consent checks, and retained evidence
portaloutbound
delivered
Origination disclosure packet - 58044
Marcus Reyes - loanmeld-portal - allowed
2026-04-03 09:16demo/58044/evidence/origination-delivery.json
▸
2026-04-17 09:10
capture
$351.45
-
demo:ledger:capture:58044:20260417:35145
No payment event behind this posting — it was posted directly to the ledger (drain or seeded history), so there is no processor detail to disclose.
Ledger transactionabababab-1008-4aba-8aba-abababababab
Idempotency keydemo:ledger:capture:58044:20260417:35145

Scheduled payments

1
Pending instructions execute as payments when their date arrives.
DateAmountStatusCreatedOutcomeControls
2026-09-15$60.00scheduled2026-06-12 Henry Walshach on schedule

Autopay

0
No autopay enrollment on this loan - payments run only as one-time scheduled instructions.
No autopay enrollments recorded on this loan yet.

Prenotes

0
zero-dollar ACH account verification - advisory status, verified after the return window passes clean
No prenotes for this loan. Run one to verify the borrower bank account before the first debit.

Funding

1
WhenTypeAmountProcessorIdempotency key
2026-04-03 10:05disburse$1,000.00-demo:ledger:disburse:58044:20260403:100000

Interest

0
Accrual status
accruing
Accrued days
0
Processed through
-
Posted to ledger
$0.00
No accrual postings yet - the daily accrual drain posts one per business day.

Fees

0
BucketCountDuePaidOutstanding
Origination fees (scheduled)-$0.00$0.00$0.00
Late fees-$0.00-$0.00
NSF fees-$0.00-$0.00
Court fees-$0.00-$0.00
Other fees-$0.00-$0.00
No fee assessments recorded by the fee engine.

Approvals

1
CommandStatusAmountReasonRequested byApprovalsWhenDecision
captureposted$351.45
scheduled_payment
Scheduled ACH payment captured
Lin Park-2026-05-04 09:14-

Amortization schedule

12
showing 4 of 12
#DueAmountPrincipalInterestFeesStatusEvidence
12026-04-17$351.45$83.34$268.11$0.00paiddemo/58044/schedule/1.json
22026-05-01$351.45$83.34$268.11$0.00paiddemo/58044/schedule/2.json
32026-05-15$351.45$83.34$268.11$0.00scheduleddemo/58044/schedule/3.json
42026-05-29$351.45$83.34$268.11$0.00scheduleddemo/58044/schedule/4.json

Payment plans

1
Payment planInstallmentTermsControls
active
collections/57941/payment-plan-20260503.json
$530.004/4 biweekly - next 2026-05-10
achfee hold

Trigger communications

0
No manual trigger subscriptions are configured — add one under Settings → Communication triggers.

Documents

2
DocumentTypeStatusSignature
Loan agreement and TILloan_agreement_tilsignedRequired
Payment schedulepayment_scheduledeliveredNo signature

Attachments

1
AttachmentClassStorage keyChecksumRetention
Promissory note
promissory-note-58044.pdf
confidentialdemo/58044/promissory-note.pdfaaaaaaaaaaaa2033-04-03

Servicing packets

1
PacketStatusChannelArtifactsEvidence
Origination disclosure packet - 58044signedportal2 docs / 1 noticesdemo/58044/evidence/origination-delivery.json

Custom attributes

3
AttributeValueUpdated
Lead campaign
lead_campaign
LeadMeld direct - spring flight2026-04-03 08:58
Bank verification vendor
bank_verification_vendor
Seed-local IBV (manual review)2026-04-03 08:58
Promo code
promo_code
SPRING262026-04-03 08:58
Loading custom fields…

Staffing

2
StageWorked byWhenAttribution source
Processing--not worked yet
Reviewing--not worked yet
Collections--not worked yet
ClosingLin Park2026-04-03 09:20loan finalize action
RoleOperatorStatusAssignedEnded
administratorLin Parkactive2026-04-03 10:00 - Lin Park-
approverHenry Walshactive2026-04-02 16:00 - Lin Park-

Status flags

2
2 active flags alongside the active status
Payment hold
warning
blocks new debits
Borrower asked to pause drafting until the mid-June paycheck lands.
since 2026-06-20 - by Lin Park
Participation
info
informational — no enforcement behavior
Sold into the 2026-Q2 participation pool at origination.
since 2026-05-15 - by Henry Walsh
FlagStatusReasonSetCleared
Payment holdactiveBorrower asked to pause drafting until the mid-June paycheck lands.2026-06-20 Lin Park-
ParticipationactiveSold into the 2026-Q2 participation pool at origination.2026-05-15 Henry Walsh-

Account sale

No account sale recorded.

Verification holds

0
Holds apply to pending loans only; history below.

Remap trail

0
No remaps recorded on this loan — it still carries its original product and store placement.

Audit log

1
WhenEventActorEvidence
2026-04-03 09:20loan.finalizeLin Parkdemo/58044/evidence/finalize.json