Loan Account entity

Full details of a loan account. The `accountType` field for loan accounts may be set to any of the [account types](#loan-account-types) listed below. Plaid only consumes the `MORTGAGE` and `STUDENTLOAN` types for its [Liabilities API](https://plaid.com/docs/api/products/liabilities/). For other loan account types Plaid consumes account details and transactions. Plaid consumes all loan account information as returned in the `GET /accounts` endpoint, as well as the additional information listed below: Required for all loan accounts: * `principalBalance` * `interestRate` * `interestRateType` Optional fields for `STUDENTLOAN` accounts: * `interestPaidYearToDate` * `lastPaymentAmount` * `lastPaymentDate` * `maturityDate` * `nextPaymentDate` * `originalPrincipal` * `originatingDate` Required for `MORTGAGE` accounts: * `accountNumber` Optional fields for `MORTGAGE` accounts: * `escrowBalance` * `interestPaidYearToDate` * `lastPaymentAmount` * `lastPaymentDate` * `loanTerm` * `maturityDate` * `nextPaymentAmount` * `nextPaymentDate` * `originalPrincipal` * `originatingDate` Plaid expects a decimal amount with two places (to represent fractional values of the base currency) for all monetary amounts. For example, `"escrowBalance": 192.00`

Financial DataOpen BankingOpen FinanceFinancial Data ExchangeConsumer-PermissionedAccount DataTransactionInvestmentInsuranceTax DataPayrollRESTOAuthFAPICFPB 1033Authentication

Properties

Name Type Description
accountNumber string Full account number for the end user's handle for the account at the owning institution Required for accountType 'MORTGAGE'
principalBalance number Principal balance
escrowBalance number Escrow balance of loan
originalPrincipal number Original principal of loan
originatingDate object Date loan originated ISO 8601 full-date in format 'YYYY-MM-DD' according to [IETF RFC 3339](https://datatracker.ietf.org/doc/html/rfc3339.html#section-5.6)
loanTerm integer Term of loan in months
nextPaymentAmount number Amount of next payment. May differ from minimumPaymentAmount if the customer pays more than their minimum or out of cycle
nextPaymentDate object Due date of next payment. May differ from statementAmountDueDate if the customer pays out of cycle ISO 8601 full-date in format 'YYYY-MM-DD' according to [IETF RFC 3339](https://datatracker.ietf.org/d
lastPaymentAmount number Amount of last payment
lastPaymentDate object Last payment date ISO 8601 full-date in format 'YYYY-MM-DD' according to [IETF RFC 3339](https://datatracker.ietf.org/doc/html/rfc3339.html#section-5.6)
maturityDate object Maturity date ISO 8601 full-date in format 'YYYY-MM-DD' according to [IETF RFC 3339](https://datatracker.ietf.org/doc/html/rfc3339.html#section-5.6)
interestPaidYearToDate number Interest paid year to date
interestRate number The interest rate for the account, expressed as a number between 0 and 100. For example, `4` represents 4.00%, and `7.99` represents 7.99%.
interestRateType object
currentSchool string Current school the student loan is connected to
loanProviderName string Name of the institution providing the loan
View JSON Schema on GitHub

JSON Schema

fdx-loanaccount.json Raw ↑
{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "title": "Loan Account entity",
  "description": "Full details of a loan account. The `accountType` field for loan accounts may be set to any of the [account types](#loan-account-types) listed below.\n\nPlaid only consumes the `MORTGAGE` and `STUDENTLOAN` types for its [Liabilities API](https://plaid.com/docs/api/products/liabilities/). For other loan account types Plaid consumes account details and transactions.\nPlaid consumes all loan account information as returned in the `GET /accounts` endpoint, as well as the additional information listed below:\n\nRequired for all loan accounts:\n* `principalBalance`\n* `interestRate`\n* `interestRateType`\n\nOptional fields for `STUDENTLOAN` accounts:\n* `interestPaidYearToDate`\n* `lastPaymentAmount`\n* `lastPaymentDate`\n* `maturityDate`\n* `nextPaymentDate`\n* `originalPrincipal`\n* `originatingDate`\n\nRequired for `MORTGAGE` accounts:\n* `accountNumber`\n\nOptional fields for `MORTGAGE` accounts:\n* `escrowBalance`\n* `interestPaidYearToDate`\n* `lastPaymentAmount`\n* `lastPaymentDate`\n* `loanTerm`\n* `maturityDate`\n* `nextPaymentAmount`\n* `nextPaymentDate`\n* `originalPrincipal`\n* `originatingDate`\n\nPlaid expects a decimal amount with two places (to represent fractional values of the base currency) for all monetary amounts. For example, `\"escrowBalance\": 192.00`\n",
  "type": "object",
  "allOf": [
    {
      "$ref": "#/components/schemas/LoanAccountDescriptor"
    },
    {
      "type": "object",
      "properties": {
        "accountNumber": {
          "type": "string",
          "example": "loanAccount0000001",
          "description": "Full account number for the end user's handle for the account at the owning institution\n\nRequired for accountType 'MORTGAGE'\n"
        },
        "principalBalance": {
          "type": "number",
          "example": 580303.95,
          "description": "Principal balance\n"
        },
        "escrowBalance": {
          "type": "number",
          "example": 3400.61,
          "description": "Escrow balance of loan\n"
        },
        "originalPrincipal": {
          "type": "number",
          "example": 650400.0,
          "description": "Original principal of loan\n"
        },
        "originatingDate": {
          "$ref": "#/components/schemas/DateString",
          "description": "Date loan originated\n\nISO 8601 full-date in format 'YYYY-MM-DD' according\nto [IETF RFC 3339](https://datatracker.ietf.org/doc/html/rfc3339.html#section-5.6)\n"
        },
        "loanTerm": {
          "type": "integer",
          "example": 360,
          "description": "Term of loan in months\n"
        },
        "nextPaymentAmount": {
          "type": "number",
          "example": 2483.12,
          "description": "Amount of next payment.\nMay differ from minimumPaymentAmount if the customer pays more than their minimum or out of cycle\n"
        },
        "nextPaymentDate": {
          "$ref": "#/components/schemas/DateString",
          "description": "Due date of next payment.\nMay differ from statementAmountDueDate if the customer pays out of cycle\nISO 8601 full-date in format 'YYYY-MM-DD' according\nto [IETF RFC 3339](https://datatracker.ietf.org/doc/html/rfc3339.html#section-5.6)\n"
        },
        "lastPaymentAmount": {
          "type": "number",
          "example": 2483.12,
          "description": "Amount of last payment\n"
        },
        "lastPaymentDate": {
          "$ref": "#/components/schemas/DateString",
          "description": "Last payment date\n\nISO 8601 full-date in format 'YYYY-MM-DD' according\nto [IETF RFC 3339](https://datatracker.ietf.org/doc/html/rfc3339.html#section-5.6)\n"
        },
        "maturityDate": {
          "$ref": "#/components/schemas/DateString",
          "description": "Maturity date\n\nISO 8601 full-date in format 'YYYY-MM-DD' according\nto [IETF RFC 3339](https://datatracker.ietf.org/doc/html/rfc3339.html#section-5.6)\n"
        },
        "interestPaidYearToDate": {
          "type": "number",
          "example": 403.04,
          "description": "Interest paid year to date\n"
        },
        "interestRate": {
          "type": "number",
          "example": 6.99,
          "description": "The interest rate for the account, expressed as a number between 0 and 100. For example, `4` represents 4.00%, and `7.99` represents 7.99%.\n"
        },
        "interestRateType": {
          "$ref": "#/components/schemas/InterestRateType"
        },
        "currentSchool": {
          "type": "string",
          "example": "University of California",
          "description": "Current school the student loan is connected to\n"
        },
        "loanProviderName": {
          "type": "string",
          "example": "Great Lakes",
          "description": "Name of the institution providing the loan\n"
        }
      },
      "required": [
        "principalBalance",
        "interestRate",
        "interestRateType"
      ]
    }
  ]
}

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