Loan #58044
Marcus Reyes - installment - active - tenant loanmeld-prod
activePayment holdParticipationServicing WatchCampaign: Spring Reactivation 2026
leadnew-bookachCHARLOTTErisk-lowcurrent
Loan
#58044
originated 2026-04-03
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 signedSigned at2026-04-02 19:00
Amount financed$1,000.00
Finance charge$3,217.32
Total of payments$4,217.32
Default funding
fundedFunding 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
Principali$702.90 of $1,000.00
Interest postedi$0.00 of $1,072.44 scheduled
Fees coveredi$0.00 of $0.00 due
Total past duei
$0.00
schedule $0.00 + fees $0.00
Current payoffi
$297.10
balance + fees $0.00
Current balancei
$297.10
principal $1,000.00
Next due
2026-05-15
current
Payments2Scheduled1Autopay0Prenotes0Funding1Interest0Fees0Approvals1Schedule12Plans1Documents2Attributes3Staffing2Flags2Holds0Remaps0Audit1
Payments
2WhenTypeAmountProcessorIdempotency 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
2026-04-17 09:10capture$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
1Pending instructions execute as payments when their date arrives.
| Date | Amount | Status | Created | Outcome | Controls |
|---|---|---|---|---|---|
| 2026-09-15 | $60.00 | scheduled | 2026-06-12 Henry Walsh | ach on schedule |
Autopay
0No autopay enrollment on this loan - payments run only as one-time scheduled instructions.
No autopay enrollments recorded on this loan yet.
Prenotes
0zero-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| When | Type | Amount | Processor | Idempotency key |
|---|---|---|---|---|
| 2026-04-03 10:05 | disburse | $1,000.00 | - | demo:ledger:disburse:58044:20260403:100000 |
Interest
0Accrual 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| Bucket | Count | Due | Paid | Outstanding |
|---|---|---|---|---|
| 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| Command | Status | Amount | Reason | Requested by | Approvals | When | Decision |
|---|---|---|---|---|---|---|---|
| capture | posted | $351.45 | scheduled_payment Scheduled ACH payment captured | Lin Park | - | 2026-05-04 09:14 | - |
Amortization schedule
12| # | Due | Amount | Principal | Interest | Fees | Status | Evidence |
|---|---|---|---|---|---|---|---|
| 1 | 2026-04-17 | $351.45 | $83.34 | $268.11 | $0.00 | paid | demo/58044/schedule/1.json |
| 2 | 2026-05-01 | $351.45 | $83.34 | $268.11 | $0.00 | paid | demo/58044/schedule/2.json |
| 3 | 2026-05-15 | $351.45 | $83.34 | $268.11 | $0.00 | scheduled | demo/58044/schedule/3.json |
| 4 | 2026-05-29 | $351.45 | $83.34 | $268.11 | $0.00 | scheduled | demo/58044/schedule/4.json |
Payment plans
1| Payment plan | Installment | Terms | Controls |
|---|---|---|---|
active collections/57941/payment-plan-20260503.json | $530.00 | 4/4 biweekly - next 2026-05-10 | achfee hold |
Trigger communications
0No manual trigger subscriptions are configured — add one under Settings → Communication triggers.
Documents
2| Document | Type | Status | Signature |
|---|---|---|---|
| Loan agreement and TIL | loan_agreement_til | signed | Required |
| Payment schedule | payment_schedule | delivered | No signature |
Attachments
1| Attachment | Class | Storage key | Checksum | Retention |
|---|---|---|---|---|
Promissory note promissory-note-58044.pdf | confidential | demo/58044/promissory-note.pdf | aaaaaaaaaaaa | 2033-04-03 |
Servicing packets
1| Packet | Status | Channel | Artifacts | Evidence |
|---|---|---|---|---|
| Origination disclosure packet - 58044 | signed | portal | 2 docs / 1 notices | demo/58044/evidence/origination-delivery.json |
Custom attributes
3| Attribute | Value | Updated |
|---|---|---|
Lead campaign lead_campaign | LeadMeld direct - spring flight | 2026-04-03 08:58 |
Bank verification vendor bank_verification_vendor | Seed-local IBV (manual review) | 2026-04-03 08:58 |
Promo code promo_code | SPRING26 | 2026-04-03 08:58 |
Loading custom fields…
Staffing
2| Stage | Worked by | When | Attribution source |
|---|---|---|---|
| Processing | - | - | not worked yet |
| Reviewing | - | - | not worked yet |
| Collections | - | - | not worked yet |
| Closing | Lin Park | 2026-04-03 09:20 | loan finalize action |
| Role | Operator | Status | Assigned | Ended |
|---|---|---|---|---|
| administrator | Lin Park | active | 2026-04-03 10:00 - Lin Park | - |
| approver | Henry Walsh | active | 2026-04-02 16:00 - Lin Park | - |
Status flags
22 active flags alongside the active status
Payment hold
warningblocks new debits
Borrower asked to pause drafting until the mid-June paycheck lands.
since 2026-06-20 - by Lin Park
Participation
infoinformational — no enforcement behavior
Sold into the 2026-Q2 participation pool at origination.
since 2026-05-15 - by Henry Walsh
| Flag | Status | Reason | Set | Cleared |
|---|---|---|---|---|
| Payment hold | active | Borrower asked to pause drafting until the mid-June paycheck lands. | 2026-06-20 Lin Park | - |
| Participation | active | Sold into the 2026-Q2 participation pool at origination. | 2026-05-15 Henry Walsh | - |
Account sale
No account sale recorded.
Verification holds
0Holds apply to pending loans only; history below.
Remap trail
0No remaps recorded on this loan — it still carries its original product and store placement.
Audit log
1| When | Event | Actor | Evidence |
|---|---|---|---|
| 2026-04-03 09:20 | loan.finalize | Lin Park | demo/58044/evidence/finalize.json |
| Item | Status | Priority | Owner |
|---|---|---|---|
Verify payoff quote Confirm borrower payoff before sending final packet. | open | 60 | Lin Park |
| Collections state | Value | Evidence |
|---|---|---|
| Case status | No active case | collections case |
| Promise | - | - |
| Next action | - | severity |
| Contact controls | Allowed | standard |
| Projection | Balance | Events | Hash |
|---|---|---|---|
| 2026-05-04 09:10 | $297.10 | 1 | 111111111111 |
Workflow evidence
1loan-level actions retained for audit and SOC evidence
| Action | Reason | Actor | Evidence | Created |
|---|---|---|---|---|
| loan.finalize | Approved underwriting file was converted to loan servicing. | Lin Park | loan/58044/handoff.json | 2026-05-04 09:08 |
Event timeline
1payments, returns, documents, notes, and audit evidence
payment.ach.posted
postedfallback
2026-05-03 19:00 - hash 0000000000
Communications
1delivery notices, collection contacts, consent checks, and retained evidence
portaloutbound
deliveredOrigination disclosure packet - 58044
Marcus Reyes - loanmeld-portal - allowed
2026-04-03 09:16demo/58044/evidence/origination-delivery.json