Developer Resources
Details
| SoapAction | http://jackhenry.com/ws/AcctInq |
| Input Name | AcctInq |
| Output Name | AcctInqResponse |
| Input Namespace | http://jackhenry.com/jxchange/TPG/2008 |
| Group Name | Inquiry |
| Container | TPG_InquiryMaster.xsd |
Operation Summary
OperationSummary-AcctInq
XML Examples
AcctInq-Deposit-XML-Request
<?xml version="1.0" encoding="UTF-8"?>
<SOAP-ENV:Envelope
xmlns:SOAP-ENV="http://schemas.xmlsoap.org/soap/envelope/"
xmlns:xsd="http://www.w3.org/2001/XMLSchema"
xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<SOAP-ENV:Header>
<wsse:Security
xmlns:wsse="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd"
xmlns:wsu="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-utility-1.0.xsd">
<wsse:UsernameToken
xmlns:wsse="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd">
<wsse:Username>{USERNAME}</wsse:Username>
<wsse:Password Type="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-username-token-profile-1.0#PasswordText">{PASSWORD}</wsse:Password>
</wsse:UsernameToken>
</wsse:Security>
</SOAP-ENV:Header>
<SOAP-ENV:Body>
<AcctInq
xmlns="http://jackhenry.com/jxchange/TPG/2008">
<MsgRqHdr>
<jXchangeHdr>
<JxVer/>
<AuditUsrId>{}</AuditUsrId>
<AuditWsId>{}</AuditWsId>
<AuthenUsrId/>
<ConsumerName/>
<ConsumerProd/>
<Ver_1/>
<jXLogTrackingId>{}</jXLogTrackingId>
<Ver_2/>
<InstRtId>011001276</InstRtId>
<InstEnv>TEST</InstEnv>
<Ver_3/>
<BusCorrelId/>
<Ver_4/>
<WorkflowCorrelId/>
<Ver_5/>
<ValidConsmName>{VALIDCONSMNAME}</ValidConsmName>
<ValidConsmProd>{VALIDCONSMPROD}</ValidConsmProd>
<Ver_6/>
</jXchangeHdr>
<Ver_1/>
<Ver_2/>
<Ver_3/>
</MsgRqHdr>
<InAcctId Rstr="">
<AcctId>8318033</AcctId>
<AcctType>D</AcctType>
<Ver_1/>
</InAcctId>
<IncXtendElemArray>
<IncXtendElemInfo>
<XtendElem>x_AcctBenf</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_ACHPmtInfo_CType</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_DepAcctInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_DepBalDtInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_DepInfoRec</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_DepNSFODInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_DepRateIntInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_DepRegRptInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_DepStmtInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_DepTaxInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_IdVerify</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
</IncXtendElemArray>
<SvcPrvdInfo/>
<Custom/>
<Ver_1/>
<AvlBalCalcCode/>
<Ver_2/>
<ActIntent/>
<Ver_3/>
</AcctInq>
</SOAP-ENV:Body>
</SOAP-ENV:Envelope>
AcctInq-Loan-XML-Request
<?xml version="1.0" encoding="UTF-8"?>
<SOAP-ENV:Envelope xmlns:SOAP-ENV="http://schemas.xmlsoap.org/soap/envelope/"
xmlns:xsd="http://www.w3.org/2001/XMLSchema"
xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<SOAP-ENV:Header>
<wsse:Security xmlns:wsse="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd"
xmlns:wsu="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-utility-1.0.xsd">
<wsse:UsernameToken xmlns:wsse="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd">
<wsse:Username>{Insert}</wsse:Username>
<wsse:Password Type="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-username-token-profile-1.0#PasswordText">{Insert}</wsse:Password>
</wsse:UsernameToken>
</wsse:Security>
</SOAP-ENV:Header>
<SOAP-ENV:Body>
<AcctInq xmlns="http://jackhenry.com/jxchange/TPG/2008">
<MsgRqHdr>
<jXchangeHdr>
<JxVer></JxVer>
<AuditUsrId></AuditUsrId>
<AuditWsId></AuditWsId>
<AuthenUsrId></AuthenUsrId>
<ConsumerName></ConsumerName>
<ConsumerProd></ConsumerProd>
<Ver_1/>
<jXLogTrackingId>{Insert}</jXLogTrackingId>
<Ver_2/>
<InstRtId>011001276</InstRtId>
<InstEnv>TEST</InstEnv>
<Ver_3/>
<BusCorrelId></BusCorrelId>
<Ver_4/>
<WorkflowCorrelId></WorkflowCorrelId>
<Ver_5/>
<ValidConsmName>{Insert}</ValidConsmName>
<ValidConsmProd>{Insert}</ValidConsmProd>
<Ver_6/>
</jXchangeHdr>
<Ver_1/>
<Ver_2/>
<Ver_3/>
</MsgRqHdr>
<InAcctId>
<AcctId>78802</AcctId>
<AcctType>L</AcctType>
<Ver_1/>
</InAcctId>
<IncXtendElemArray>
<IncXtendElemInfo>
<XtendElem>x_ACHPmtInfo_CType</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_IdVerify</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnAcctInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnBalDtInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnDlrInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnInfoRec</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnMtgInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnPastDueInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnPmtInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnProtInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnRateInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnRealEstateInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnRegRptInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnRenExtInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnStopInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
</IncXtendElemArray>
<SvcPrvdInfo/>
<Custom/>
<Ver_1/>
<AvlBalCalcCode/>
<Ver_2/>
<ActIntent/>
<Ver_3/>
</AcctInq>
</SOAP-ENV:Body>
</SOAP-ENV:Envelope>
AcctInq-Loan-XML-Response
<s:Envelope
xmlns:s="http://schemas.xmlsoap.org/soap/envelope/"
xmlns:u="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-utility-1.0.xsd">
<s:Header>
<o:Security s:mustUnderstand="1"
xmlns:o="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd">
<u:Timestamp u:Id="_0">
<u:Created>2021-10-01T18:48:20.796Z</u:Created>
<u:Expires>2021-10-01T18:53:20.796Z</u:Expires>
</u:Timestamp>
</o:Security>
</s:Header>
<s:Body>
<AcctInqResponse
xmlns="http://jackhenry.com/jxchange/TPG/2008"
xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<MsgRsHdr>
<jXchangeHdr>
<JxVer>R2017.4</JxVer>
<AuditUsrId>PA</AuditUsrId>
<AuditWsId>IDG</AuditWsId>
<AuthenUsrId></AuthenUsrId>
<ConsumerName></ConsumerName>
<ConsumerProd></ConsumerProd>
<Ver_1></Ver_1>
<jXLogTrackingId>122222222</jXLogTrackingId>
<Ver_2></Ver_2>
<InstRtId>011001276</InstRtId>
<InstEnv>TEST</InstEnv>
<Ver_3></Ver_3>
<BusCorrelId>bd337a12-9a47-439b-8db3-f210770bcfe3</BusCorrelId>
<Ver_4></Ver_4>
<WorkflowCorrelId></WorkflowCorrelId>
<Ver_5></Ver_5>
<ValidConsmName></ValidConsmName>
<ValidConsmProd></ValidConsmProd>
</jXchangeHdr>
<Ver_1></Ver_1>
</MsgRsHdr>
<LnAcctInqRec>
<x_LnInfoRec>
<LnInfoRec>
<UnusedCrAccr>.00000</UnusedCrAccr>
<UEInsurAccr>.00000</UEInsurAccr>
<Term>
<TermCnt>60</TermCnt>
<TermUnits>Months</TermUnits>
<Ver_1></Ver_1>
</Term>
<RemPmtCnt>60</RemPmtCnt>
<PmtTermUnits>Months</PmtTermUnits>
<PmtTerm>1</PmtTerm>
<PmtDayOfMonth>30</PmtDayOfMonth>
<PmtCode>0</PmtCode>
<PmtAmtDue>.00</PmtAmtDue>
<PmtAmt>405.69</PmtAmt>
<PIAmt>405.69</PIAmt>
<PastDueAmt>.00</PastDueAmt>
<PartPmtAmt>.00</PartPmtAmt>
<OrigBal>20000.00</OrigBal>
<OpenDt>2021-09-30</OpenDt>
<OffCode>JMJTST</OffCode>
<NxtSchedPmtDt>2021-10-30</NxtSchedPmtDt>
<NxtPayDt>2021-10-30</NxtPayDt>
<MatDt>2026-09-30</MatDt>
<LateChgAmt>.00</LateChgAmt>
<IntRate>.08000000</IntRate>
<IntBasis>0</IntBasis>
<CrLifeInsurAccr>.00000</CrLifeInsurAccr>
<BrCode>1</BrCode>
<ProdCode>10</ProdCode>
<AvailCr>.00</AvailCr>
<AHInsurAccr>.00000</AHInsurAccr>
<AcctStat>4</AcctStat>
<AccrBal>.00</AccrBal>
<Ver_1></Ver_1>
<CustId>R000027</CustId>
<SalesPerson>KALAIMANI</SalesPerson>
<Ver_2></Ver_2>
<OddDaysIntBasis>B</OddDaysIntBasis>
<Ver_3></Ver_3>
<Ver_4></Ver_4>
<Ver_5></Ver_5>
<Ver_6></Ver_6>
<Ver_7></Ver_7>
<Ver_8></Ver_8>
</LnInfoRec>
<LoanAcctId>
<AcctId>78802</AcctId>
<AcctType>L</AcctType>
<Ver_1></Ver_1>
</LoanAcctId>
<PersonName>
<ComName>Susan Leigh Robbins</ComName>
<Ver_1></Ver_1>
</PersonName>
<OffDesc>JUDY JENKINS</OffDesc>
<NxtPayOffAmt>.00</NxtPayOffAmt>
<PmtCodeDesc>Int. included</PmtCodeDesc>
<IntBasisDesc>365/365</IntBasisDesc>
<DailyAccrAmt>.00000</DailyAccrAmt>
<CurPayOff>.00</CurPayOff>
<CurBal>.00</CurBal>
<BrDesc>Monett Office</BrDesc>
<Addr>
<FreeFormAddrArray>
<AddrLineInfo>
<AddrLine>Susan Leigh Robbins</AddrLine>
<Ver_1></Ver_1>
</AddrLineInfo>
<AddrLineInfo>
<AddrLine>****************************************</AddrLine>
<Ver_1></Ver_1>
</AddrLineInfo>
<AddrLineInfo>
<AddrLine>HOLD IT - TEST</AddrLine>
<Ver_1></Ver_1>
</AddrLineInfo>
<AddrLineInfo>
<AddrLine>****************************************</AddrLine>
<Ver_1></Ver_1>
</AddrLineInfo>
</FreeFormAddrArray>
<StreetAddr1>1037 MILL STREET</StreetAddr1>
<City>MONETT</City>
<StateProv>Missouri</StateProv>
<StateCode>MO</StateCode>
<PostalCode>657080000</PostalCode>
<County>0</County>
<Cntry>United States</Cntry>
<CntryType>USA</CntryType>
<FornAddr>N</FornAddr>
<InvAddr>N</InvAddr>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
</Addr>
<AcctStatDesc>New Loan</AcctStatDesc>
<AccrInt>.00000</AccrInt>
<ProdDesc>Installment Loan</ProdDesc>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
<SalesPersonDesc>Name used for vendor testing</SalesPersonDesc>
<Ver_4></Ver_4>
<Ver_5></Ver_5>
<Ver_6></Ver_6>
</x_LnInfoRec>
<x_LnAcctInfo>
<LnAcctInfo>
<UserDefInfoArray>
<UserDefInfo>
<UserDefTxt>User code #1</UserDefTxt>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>User code #2</UserDefTxt>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Beacon Score</UserDefTxt>
<UserDefCode>123</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Right to Cure</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Special Pricing Loan</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>4/13 Loan Promotion</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Final Phase</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Exception</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Cross Collateralized</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Reg - Z</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Spec Home</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Model Home</UserDefTxt>
<UserDefCode>Y</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Rental Property</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Investment Property</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Canadian</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Referral</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>American Dream W/PMI</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>1st Time Homebuyer</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>FHLBSIC</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
</UserDefInfoArray>
<TitleNeeded>false</TitleNeeded>
<SubPrimeLnCode>N</SubPrimeLnCode>
<State>MO</State>
<RstrAdvaOvrLmt>false</RstrAdvaOvrLmt>
<RstrAdva>NA</RstrAdva>
<RewriteToLnAcctId>0</RewriteToLnAcctId>
<RestructuredDr>false</RestructuredDr>
<RelAcctId>0</RelAcctId>
<PurpCode>2</PurpCode>
<PtPaid>.00</PtPaid>
<PrtRcpt>false</PrtRcpt>
<PrtPastDueNotCode>Y</PrtPastDueNotCode>
<PrtCouponBook>true</PrtCouponBook>
<PrtBilNotCode>Y</PrtBilNotCode>
<PrevStat>0</PrevStat>
<PayoffPend>false</PayoffPend>
<OrigPartPct>.0000000000000000</OrigPartPct>
<OrigLnToValRatio>1.0000</OrigLnToValRatio>
<LateChgCode>1</LateChgCode>
<IncCombStmt>false</IncCombStmt>
<HighRiskCust>false</HighRiskCust>
<ForcedPlaceInsur>N</ForcedPlaceInsur>
<ExclAutoNonAccr>false</ExclAutoNonAccr>
<DeptCode>I</DeptCode>
<CurLnToValRatio>.0000</CurLnToValRatio>
<CrRatingCode>1</CrRatingCode>
<CouponBookTerm>60</CouponBookTerm>
<CollatCode>500</CollatCode>
<ClsOnZeroBal>true</ClsOnZeroBal>
<CalcPartPct>.0000000000000000</CalcPartPct>
<AnnIncmAmt>.00</AnnIncmAmt>
<AcctClsfCode>I</AcctClsfCode>
<HldAcctId>0</HldAcctId>
<Ver_1></Ver_1>
<BorwInfoArray>
<BorwInfo>
<BorwInfoTxt>Borrower</BorwInfoTxt>
<BorwRaceCode>0</BorwRaceCode>
<BorwRaceDesc>Unknown</BorwRaceDesc>
<BorwEthnicCode>0</BorwEthnicCode>
<BorwEthnicDesc>Unknown</BorwEthnicDesc>
<BorwFICOId>0</BorwFICOId>
<BorwIncmAmt>.00</BorwIncmAmt>
<BorwSelfEmpl>false</BorwSelfEmpl>
<BorwGender>0</BorwGender>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
<AddlBorwRaceArray>
<BorwRaceInfo>
<BorwRaceType>2</BorwRaceType>
<BorwRaceCode>0</BorwRaceCode>
<Ver_1></Ver_1>
<BorwRaceDesc>Unknown</BorwRaceDesc>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
</BorwRaceInfo>
</AddlBorwRaceArray>
<Ver_3></Ver_3>
</BorwInfo>
<BorwInfo>
<BorwInfoTxt>Co Borrower</BorwInfoTxt>
<BorwRaceCode>0</BorwRaceCode>
<BorwRaceDesc>Unknown</BorwRaceDesc>
<BorwEthnicCode>0</BorwEthnicCode>
<BorwEthnicDesc>Unknown</BorwEthnicDesc>
<BorwFICOId>0</BorwFICOId>
<BorwIncmAmt>.00</BorwIncmAmt>
<BorwGender>0</BorwGender>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
<AddlBorwRaceArray>
<BorwRaceInfo>
<BorwRaceType>2</BorwRaceType>
<BorwRaceCode>0</BorwRaceCode>
<Ver_1></Ver_1>
<BorwRaceDesc>Unknown</BorwRaceDesc>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
</BorwRaceInfo>
</AddlBorwRaceArray>
<Ver_3></Ver_3>
</BorwInfo>
</BorwInfoArray>
<LnClsInfoArray>
<LnClsInfo>
<LnClsInfoTxt>Closing Information 1</LnClsInfoTxt>
<ClsCost>0</ClsCost>
<ClsCostSrcCode>0</ClsCostSrcCode>
<DownPmtAmt>0</DownPmtAmt>
<DownPmtSrcCode>0</DownPmtSrcCode>
<SecdLnAmt>0</SecdLnAmt>
<SecdLnCode>0</SecdLnCode>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
</LnClsInfo>
<LnClsInfo>
<LnClsInfoTxt>Closing Information 2</LnClsInfoTxt>
<ClsCost>0</ClsCost>
<ClsCostSrcCode>0</ClsCostSrcCode>
<DownPmtAmt>0</DownPmtAmt>
<DownPmtSrcCode>0</DownPmtSrcCode>
<SecdLnAmt>0</SecdLnAmt>
<SecdLnCode>0</SecdLnCode>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
</LnClsInfo>
</LnClsInfoArray>
<LOCAcctId>0</LOCAcctId>
<CombLTV>.0000</CombLTV>
<CrScoreId>0</CrScoreId>
<TotDownPmtAmt>.00</TotDownPmtAmt>
<ExcLndPlcyCode>0</ExcLndPlcyCode>
<LnPmtToIncmPct>.0000</LnPmtToIncmPct>
<ATMCard>false</ATMCard>
<MoDebtAmt>0</MoDebtAmt>
<MinBilAmt>.00</MinBilAmt>
<MoIncmAmt>0</MoIncmAmt>
<NumBorw>1</NumBorw>
<PrtcpAcctId>0</PrtcpAcctId>
<TotDebtPct>.0000</TotDebtPct>
<TotOtherDebtAmt>.00</TotOtherDebtAmt>
<Ver_2></Ver_2>
<CrBureauRptCode>Y</CrBureauRptCode>
<PrePmtPenInfoRec>
<PrePmtPenRenTermUnits>NA</PrePmtPenRenTermUnits>
<Ver_1></Ver_1>
<CurtPenCode>0</CurtPenCode>
<CurtPenAffPrtcp>false</CurtPenAffPrtcp>
<RecoupPenAffPrtcp>false</RecoupPenAffPrtcp>
<RecoupPenAffPrtcpPct>.00000</RecoupPenAffPrtcpPct>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
</PrePmtPenInfoRec>
<Ver_3></Ver_3>
<LangType>eng</LangType>
<Ver_4></Ver_4>
<BorwDebtIncmPct>.0000</BorwDebtIncmPct>
<CoBorwDebtIncmPct>.0000</CoBorwDebtIncmPct>
<BorwLiqAssetAmt>0</BorwLiqAssetAmt>
<StressRateCode>00</StressRateCode>
<Ver_5></Ver_5>
<Ver_6></Ver_6>
<CurApprLTVRatio>.0000</CurApprLTVRatio>
<Ver_7></Ver_7>
<Ver_8></Ver_8>
<Ver_9></Ver_9>
<Ver_10></Ver_10>
<Ver_11></Ver_11>
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<Ver_13></Ver_13>
<Ver_14></Ver_14>
<Ver_15></Ver_15>
</LnAcctInfo>
<SubPrimeLnDesc>No</SubPrimeLnDesc>
<PurpDesc>Secured</PurpDesc>
<PrtPastDueNotDesc>Yes</PrtPastDueNotDesc>
<PrtBilNotDesc>Prior to each payment date</PrtBilNotDesc>
<PrevStatDesc>Active</PrevStatDesc>
<CrRatingDesc>Excellent at time of Credit Report</CrRatingDesc>
<CollatDesc>1st Lien Properties 1-4 Family Residential</CollatDesc>
<AcctClsfDesc>Individual</AcctClsfDesc>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
<CrBureauRptDesc>Yes</CrBureauRptDesc>
<Ver_3></Ver_3>
<Ver_4></Ver_4>
<Ver_5></Ver_5>
</x_LnAcctInfo>
<x_LnBalDtInfo>
<LnBalDtInfo>
<SoldBal>.00</SoldBal>
<PtPaidByOwner>false</PtPaidByOwner>
<OrigFeesYTD>.00</OrigFeesYTD>
<OrigFeesPYTD>.00</OrigFeesPYTD>
<OrigFeesLTD>.00</OrigFeesLTD>
<MinInt>.00</MinInt>
<IntResrvBal>.00</IntResrvBal>
<IntPaidYTD>.00</IntPaidYTD>
<IntPaidPYTD>.00</IntPaidPYTD>
<IntPaidLTD>.00</IntPaidLTD>
<IntPaidAtAssumYTD>.00</IntPaidAtAssumYTD>
<IntPaidAtAssumLastYr>.00</IntPaidAtAssumLastYr>
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<ReAmrtzThruDt>2024-03-31</ReAmrtzThruDt>
<OrigMatDt>2026-09-30</OrigMatDt>
<LnSetupDt>2021-10-01</LnSetupDt>
<FirstPmtDt>2021-10-30</FirstPmtDt>
<BalDueAtMat>true</BalDueAtMat>
<Ver_1></Ver_1>
<FundLmt>.00</FundLmt>
<NewLnFundAmt>.00</NewLnFundAmt>
<TotIntAmt>.00</TotIntAmt>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
<Ver_4></Ver_4>
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<FeePaidYTD>.00</FeePaidYTD>
<FeePaidPYTD>.00</FeePaidPYTD>
<Ver_6></Ver_6>
<Ver_7></Ver_7>
</LnBalDtInfo>
<Ver_1></Ver_1>
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<Ver_2></Ver_2>
<Ver_3></Ver_3>
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<Ver_5></Ver_5>
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<Ver_6></Ver_6>
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<x_LnDlrInfo>
<LnDlrInfo>
<UpfrntPct>.00000000</UpfrntPct>
<RemResrvPct>.00000000</RemResrvPct>
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<RemResrvAmt>.00</RemResrvAmt>
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<PctRebateToChgoff>.00000000</PctRebateToChgoff>
<IntRebate>.00</IntRebate>
<FrftRebateOnPayoff>NA</FrftRebateOnPayoff>
<FrftRebateIfChgoff>N</FrftRebateIfChgoff>
<FrftRebateAfterChgoff>NA</FrftRebateAfterChgoff>
<FrftDiscAtPayoff>Rebate</FrftDiscAtPayoff>
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<DlrRebate>.00</DlrRebate>
<DlrRate>.00000000</DlrRate>
<DlrLocId>0</DlrLocId>
<DlrId>0</DlrId>
<DlrEarnings>.00</DlrEarnings>
<DlrDisc>.00</DlrDisc>
<DlrCode>0</DlrCode>
<DlrAccr>.00000</DlrAccr>
<BankIncmFrft>.00</BankIncmFrft>
<BankDisc>.00</BankDisc>
<Ver_1></Ver_1>
<RecourseCode>N</RecourseCode>
<RecoursePct>.00000000</RecoursePct>
<RecourseTermUnit>NA</RecourseTermUnit>
<Ver_2></Ver_2>
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</x_LnDlrInfo>
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<LnPastDueInfo>
<Ver_1></Ver_1>
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<PastDueInfo>
<PastDueTermUnits>NA</PastDueTermUnits>
<Ver_1></Ver_1>
</PastDueInfo>
</PastDueArray>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
</LnPastDueInfo>
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<UnusedCrAccrRate>.00000000</UnusedCrAccrRate>
<UnpaidChgs>.00</UnpaidChgs>
<UEInsurPerDiem>.00000</UEInsurPerDiem>
<UEInsurAccrRate>.00000000</UEInsurAccrRate>
<UEInsurAccrBase>0</UEInsurAccrBase>
<SplitPmtAsBil>true</SplitPmtAsBil>
<SecdAccr>.00000</SecdAccr>
<RstrAutoPmt>true</RstrAutoPmt>
<ReAmrtzPmt>false</ReAmrtzPmt>
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<PrePmtPenYTD>.00</PrePmtPenYTD>
<PrePmtPenPYTD>.00</PrePmtPenPYTD>
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<PctBalReAmrtz>.00000000</PctBalReAmrtz>
<OvrLineFeeAmt>.00</OvrLineFeeAmt>
<OvrLineFeeAddNxtBil>N</OvrLineFeeAddNxtBil>
<NSFFeeAmt>.00</NSFFeeAmt>
<NewPrinIntPmt>.00</NewPrinIntPmt>
<NewPmtAmt>.00</NewPmtAmt>
<NegAmrtzCapPct>0</NegAmrtzCapPct>
<MinChkTolr>0</MinChkTolr>
<MinChkAdva>0</MinChkAdva>
<LastPmtAmt>.00</LastPmtAmt>
<IgnrLateChgMulti>LateChg</IgnrLateChgMulti>
<DefrIntPaidTo>.00</DefrIntPaidTo>
<DefrInt>.00</DefrInt>
<CrLifeInsurPerDiem>.00000</CrLifeInsurPerDiem>
<CrLifeInsurAccrRate>.00000000</CrLifeInsurAccrRate>
<CrLifeInsurAccrBase>0</CrLifeInsurAccrBase>
<BilPrincAmt>.00</BilPrincAmt>
<BilOtherChgAmt>.00</BilOtherChgAmt>
<BilLeadDays>3</BilLeadDays>
<BilLateChgAmt>.00</BilLateChgAmt>
<BilIntAmt>.00</BilIntAmt>
<BilEsrcwAmt>.00</BilEsrcwAmt>
<BallPmtAmt>.00</BallPmtAmt>
<AmrtzPmtSusp>.00</AmrtzPmtSusp>
<AmrtzInt>.00</AmrtzInt>
<AHInsurPerDiem>.00000</AHInsurPerDiem>
<AHInsurAccrRate>.00000000</AHInsurAccrRate>
<AHInsurAccrBase>0</AHInsurAccrBase>
<Ver_1></Ver_1>
<PostPmtPastDueCode>Y</PostPmtPastDueCode>
<PostPmtPrePaidCode>Y</PostPmtPrePaidCode>
<FundPct>.0000000000000000</FundPct>
<FundSeqId>0</FundSeqId>
<PrePaidAmt>0</PrePaidAmt>
<PrePaidPct>0</PrePaidPct>
<PostPrincCurtCode>N</PostPrincCurtCode>
<PrtcpSeqId>0</PrtcpSeqId>
<YrPmtIncrPct>.00000000</YrPmtIncrPct>
<CrLifeCompCode>0</CrLifeCompCode>
<AHInsurCompCode>0</AHInsurCompCode>
<UEInsurCompCode>0</UEInsurCompCode>
<PrtcpPrincPmtPct>.0000000000000000</PrtcpPrincPmtPct>
<PrtcpIntPmtPct>.0000000000000000</PrtcpIntPmtPct>
<Ver_2></Ver_2>
<LnFeeArray>
<LnFeeInfoRec>
<LnFeeFreqUnits>NA</LnFeeFreqUnits>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
</LnFeeInfoRec>
</LnFeeArray>
<Ver_3></Ver_3>
<Ver_4></Ver_4>
<AnnDebtPmt>0</AnnDebtPmt>
<Ver_5></Ver_5>
<Ver_6></Ver_6>
<Ver_7></Ver_7>
<Ver_8></Ver_8>
<Ver_9></Ver_9>
<Ver_10></Ver_10>
</LnPmtInfo>
<PostSeq5Desc>Escrow</PostSeq5Desc>
<PostSeq4Desc>Other charge</PostSeq4Desc>
<PostSeq3Desc>Late charge</PostSeq3Desc>
<PostSeq2Desc>Principal</PostSeq2Desc>
<PostSeq1Desc>Interest</PostSeq1Desc>
<PmtSuspPostDesc>Both short and long</PmtSuspPostDesc>
<Ver_1></Ver_1>
<PostPmtPastDueDesc>Yes</PostPmtPastDueDesc>
<PostPmtPrePaidDesc>Yes</PostPmtPrePaidDesc>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
<AmtLastIntPd>.00</AmtLastIntPd>
<Ver_4></Ver_4>
</x_LnPmtInfo>
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<LnProtInfo>
<StmtCycle>0</StmtCycle>
<ProtBalZero>false</ProtBalZero>
<PmtPct>.00000000</PmtPct>
<PmtDDANSFCode>N</PmtDDANSFCode>
<MinPmtAmt>.00</MinPmtAmt>
<MaxPmtAmt>.00</MaxPmtAmt>
<LOCTotAdvaAmt>.00</LOCTotAdvaAmt>
<LOCLowAmt>.00</LOCLowAmt>
<LOCLmt>.00</LOCLmt>
<LOCHighAmt>.00</LOCHighAmt>
<LOCAvg>.00</LOCAvg>
<LastStmtBal>.00</LastStmtBal>
<FrzPmtPastDue>true</FrzPmtPastDue>
<DrAcctId>0</DrAcctId>
<DDAMinBalAdv>0</DDAMinBalAdv>
<AdvaTot>.00</AdvaTot>
<Ver_1></Ver_1>
<LOCCycleAcctId>0</LOCCycleAcctId>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
<Ver_4></Ver_4>
<Ver_5></Ver_5>
<Ver_6></Ver_6>
<Ver_7></Ver_7>
</LnProtInfo>
<ProtAcctBal>.00</ProtAcctBal>
<PmtDDANSFDesc>No</PmtDDANSFDesc>
<DrAcctBalDesc>Non Auto</DrAcctBalDesc>
<DrAcctBal>.00</DrAcctBal>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
</x_LnProtInfo>
<x_LnRateInfo>
<LnRateInfo>
<UseRateCarryOvrs>false</UseRateCarryOvrs>
<RateVarCode>NA</RateVarCode>
<RateVar>.00000000</RateVar>
<RateRoundToPct>.00000000</RateRoundToPct>
<RateRevTermUnits>NA</RateRevTermUnits>
<RateFlr>.00000000</RateFlr>
<RateCeil>.00000000</RateCeil>
<RateCapUp>.00000000</RateCapUp>
<RateCapRevTermUnits>NA</RateCapRevTermUnits>
<RateCapDown>.00000000</RateCapDown>
<RateBegCapPeriod>.00000000</RateBegCapPeriod>
<RateBeforeDlq>.00000000</RateBeforeDlq>
<PrevIdxVal>.00000000</PrevIdxVal>
<PrevCarryOvr>.00000000</PrevCarryOvr>
<OrigRate>.00000000</OrigRate>
<OrigIdxVal>.00000000</OrigIdxVal>
<NewPrevRate>.00000000</NewPrevRate>
<NewIdxVal>.00000000</NewIdxVal>
<NewCarryOvr>.00000000</NewCarryOvr>
<MatRate>.00000000</MatRate>
<DlqRateMargin>.00000000</DlqRateMargin>
<DlqRate>.00000000</DlqRate>
<CurIdx>.00000000</CurIdx>
<CurCarryOvr>.00000000</CurCarryOvr>
<ConvVar>.00000000</ConvVar>
<ConvARMCode>N</ConvARMCode>
<Ver_1></Ver_1>
<RateSpread>.00</RateSpread>
<TeaserRateCode>N</TeaserRateCode>
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<LnTierRateArray>
<LnTierRateInfoRec>
<LnTierRate>0</LnTierRate>
<LnTierRateBal>0</LnTierRateBal>
<Ver_1></Ver_1>
</LnTierRateInfoRec>
<LnTierRateInfoRec>
<LnTierRate>0</LnTierRate>
<LnTierRateBal>0</LnTierRateBal>
<Ver_1></Ver_1>
</LnTierRateInfoRec>
<LnTierRateInfoRec>
<LnTierRate>0</LnTierRate>
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<Ver_1></Ver_1>
</LnTierRateInfoRec>
<LnTierRateInfoRec>
<LnTierRate>0</LnTierRate>
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<Ver_1></Ver_1>
</LnTierRateInfoRec>
<LnTierRateInfoRec>
<LnTierRate>0</LnTierRate>
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<Ver_1></Ver_1>
</LnTierRateInfoRec>
<LnTierRateInfoRec>
<LnTierRate>0</LnTierRate>
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<Ver_1></Ver_1>
</LnTierRateInfoRec>
<LnTierRateInfoRec>
<LnTierRate>0</LnTierRate>
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<Ver_1></Ver_1>
</LnTierRateInfoRec>
<LnTierRateInfoRec>
<LnTierRate>0</LnTierRate>
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<Ver_1></Ver_1>
</LnTierRateInfoRec>
<LnTierRateInfoRec>
<LnTierRate>0</LnTierRate>
<LnTierRateBal>0</LnTierRateBal>
<Ver_1></Ver_1>
</LnTierRateInfoRec>
</LnTierRateArray>
<Ver_3></Ver_3>
<Ver_4></Ver_4>
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<PenRevTermUnits>NA</PenRevTermUnits>
<Ver_5></Ver_5>
<LnCapRate>.0000</LnCapRate>
<Ver_6></Ver_6>
<PrtRateChgNotCode>N</PrtRateChgNotCode>
<InitARMNotType>NotSent</InitARMNotType>
<Ver_7></Ver_7>
<Ver_8></Ver_8>
<NonBusDayRateRevType>Nxt</NonBusDayRateRevType>
<Ver_9></Ver_9>
<Ver_10></Ver_10>
<Ver_11></Ver_11>
<Ver_12></Ver_12>
</LnRateInfo>
<NewPrevRateDesc>Previous rate was</NewPrevRateDesc>
<NewPrevRateChgDtDesc>Rate changed on</NewPrevRateChgDtDesc>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
</x_LnRateInfo>
<x_LnRealEstateInfo>
<LnRealEstateInfo>
<PropState>MO</PropState>
<PropCity>1</PropCity>
<FloodInsurCode>N</FloodInsurCode>
<ApprVal>20000</ApprVal>
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<ConstLnCode>N</ConstLnCode>
<PropPurchaseAmt>0</PropPurchaseAmt>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
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<CollatSrcValCode>00</CollatSrcValCode>
<CommPropSqFt>0</CommPropSqFt>
<NetOperIncm>0</NetOperIncm>
<PropListAmt>0</PropListAmt>
<PropRentSqFt>0</PropRentSqFt>
<PropSqFt>0</PropSqFt>
<PropVacRate>.0000</PropVacRate>
<RemNumUnit>0</RemNumUnit>
<RemUnitVal>0</RemUnitVal>
<Ver_4></Ver_4>
<Ver_5></Ver_5>
<TaxRptPropDescArray>
<TaxRptPropDescRec>
<PrioritySeq>1</PrioritySeq>
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</TaxRptPropDescRec>
<TaxRptPropDescRec>
<PrioritySeq>2</PrioritySeq>
<Ver_1></Ver_1>
</TaxRptPropDescRec>
<TaxRptPropDescRec>
<PrioritySeq>3</PrioritySeq>
<Ver_1></Ver_1>
</TaxRptPropDescRec>
</TaxRptPropDescArray>
<Ver_6></Ver_6>
<Ver_7></Ver_7>
</LnRealEstateInfo>
<Ver_1></Ver_1>
<ProjectDesc>Unknown</ProjectDesc>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
</x_LnRealEstateInfo>
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<LnRenExtInfo>
<LastRenBal>.00</LastRenBal>
<ExtFeesYTD>.00</ExtFeesYTD>
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<Ver_1></Ver_1>
<ExtFeesMTD>.00</ExtFeesMTD>
<Ver_2></Ver_2>
</LnRenExtInfo>
<Ver_1></Ver_1>
</x_LnRenExtInfo>
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<LnRegRptInfo>
<StdIndustCode>0</StdIndustCode>
<MltryApp>false</MltryApp>
<GroupCode>0</GroupCode>
<GLProdCode>0</GLProdCode>
<GLCostCtr>0</GLCostCtr>
<CRARec>
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<CRACountyCode>0</CRACountyCode>
<CRACenTract>.00</CRACenTract>
<CRASMSACode>0</CRASMSACode>
<CRALoc>0</CRALoc>
<Ver_1></Ver_1>
<CRACode>0</CRACode>
<CRAAnnIncmAmt>0</CRAAnnIncmAmt>
<CRAOrigBal>0</CRAOrigBal>
<Ver_2></Ver_2>
</CRARec>
<Ver_1></Ver_1>
<ExclRealEstateRptCode>0</ExclRealEstateRptCode>
<SBAGuarPct>.00000000</SBAGuarPct>
<SrLienAmt>0</SrLienAmt>
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<Ver_2></Ver_2>
<Ver_3></Ver_3>
<RiskRateCalcAmt>.00</RiskRateCalcAmt>
<LnRiskRateArray>
<LnRiskRateInfoRec>
<RiskRateText>PRIMARY RISK RATING</RiskRateText>
<RiskRatePct>0</RiskRatePct>
<RiskRateAmt>.00</RiskRateAmt>
<Ver_1></Ver_1>
</LnRiskRateInfoRec>
<LnRiskRateInfoRec>
<RiskRateText>TYPE 1 RISK CODE</RiskRateText>
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<RiskRateAmt>.00</RiskRateAmt>
<Ver_1></Ver_1>
</LnRiskRateInfoRec>
<LnRiskRateInfoRec>
<RiskRateText>TYPE 2 RISK CODE</RiskRateText>
<RiskRatePct>0</RiskRatePct>
<RiskRateAmt>.00</RiskRateAmt>
<Ver_1></Ver_1>
</LnRiskRateInfoRec>
<LnRiskRateInfoRec>
<RiskRateText>TYPE 3 RISK CODE</RiskRateText>
<RiskRatePct>0</RiskRatePct>
<RiskRateAmt>.00</RiskRateAmt>
<Ver_1></Ver_1>
</LnRiskRateInfoRec>
</LnRiskRateArray>
<Ver_4></Ver_4>
<Ver_5></Ver_5>
<LienPositCode>0</LienPositCode>
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<MltryLnActType>false</MltryLnActType>
<Ver_7></Ver_7>
<Ver_8></Ver_8>
<Ver_9></Ver_9>
</LnRegRptInfo>
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<Ver_2></Ver_2>
<Ver_3></Ver_3>
<Ver_4></Ver_4>
<Ver_5></Ver_5>
</x_LnRegRptInfo>
<Ver_1></Ver_1>
<x_LnMtgInfo>
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<HousingInfoArray>
<HousingInfo>
<HousingInfoTxt>Housing Information 1</HousingInfoTxt>
<RentUtlAmt>.00</RentUtlAmt>
<UnitOwnerDesc>No</UnitOwnerDesc>
<Ver_1></Ver_1>
</HousingInfo>
<HousingInfo>
<HousingInfoTxt>Housing Information 2</HousingInfoTxt>
<RentUtlAmt>.00</RentUtlAmt>
<UnitOwnerDesc>No</UnitOwnerDesc>
<Ver_1></Ver_1>
</HousingInfo>
<HousingInfo>
<HousingInfoTxt>Housing Information 3</HousingInfoTxt>
<RentUtlAmt>.00</RentUtlAmt>
<UnitOwnerDesc>No</UnitOwnerDesc>
<Ver_1></Ver_1>
</HousingInfo>
<HousingInfo>
<HousingInfoTxt>Housing Information 4</HousingInfoTxt>
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<Ver_1></Ver_1>
</HousingInfo>
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<AvlSecdMktgCode>Y</AvlSecdMktgCode>
<FHLBSICInfoArray>
<FHLBSICInfo>
<FHLBSICTxt>Special feature code 1</FHLBSICTxt>
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</FHLBSICInfo>
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<FHLBSICTxt>Special feature code 2</FHLBSICTxt>
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<FHLBSICTxt>Special feature code 3</FHLBSICTxt>
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<FHLBSICInfo>
<FHLBSICTxt>Special feature code 4</FHLBSICTxt>
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</FHLBSICInfo>
<FHLBSICInfo>
<FHLBSICTxt>Special feature code 5</FHLBSICTxt>
<Ver_1></Ver_1>
</FHLBSICInfo>
<FHLBSICInfo>
<FHLBSICTxt>Special feature code 6</FHLBSICTxt>
<Ver_1></Ver_1>
</FHLBSICInfo>
</FHLBSICInfoArray>
<SynAgentId>0</SynAgentId>
<SynMemberId>0</SynMemberId>
<Ver_1></Ver_1>
<LnOrignId>0</LnOrignId>
<LnOrignCompId>0</LnOrignCompId>
<Ver_2></Ver_2>
<HighPriceMtgRateVar>.00</HighPriceMtgRateVar>
<Ver_3></Ver_3>
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<Ver_1></Ver_1>
<Ver_2></Ver_2>
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<LnStopInfo>
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<LnStopFuncInfo>
<LnStopFuncCode>Adva</LnStopFuncCode>
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<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>Pmt</LnStopFuncCode>
<LnStopFuncDesc>Payments</LnStopFuncDesc>
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<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>TaxDistr</LnStopFuncCode>
<LnStopFuncDesc>Tax Disbursements</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>HazDistr</LnStopFuncCode>
<LnStopFuncDesc>Hazard Disbursements</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>OptInsurDistr</LnStopFuncCode>
<LnStopFuncDesc>Optional Ins Disbursements</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>LnSale</LnStopFuncCode>
<LnStopFuncDesc>Loan Sale</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>Not</LnStopFuncCode>
<LnStopFuncDesc>Notices</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>CrRpt</LnStopFuncCode>
<LnStopFuncDesc>Credit Reporting</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>PrePmt</LnStopFuncCode>
<LnStopFuncDesc>Prepayments</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>Accr</LnStopFuncCode>
<LnStopFuncDesc>Accrual</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>Corr</LnStopFuncCode>
<LnStopFuncDesc>Correspondence</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>IRSRpt</LnStopFuncCode>
<LnStopFuncDesc>IRS Reporting</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>Stmt</LnStopFuncCode>
<LnStopFuncDesc>Statements</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>BilNot</LnStopFuncCode>
<LnStopFuncDesc>Coupon/Bill Notice Generation</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>EscrwDistr</LnStopFuncCode>
<LnStopFuncDesc>All Escrow Disbursements</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>EscrwAnlys</LnStopFuncCode>
<LnStopFuncDesc>Escrow Analysis</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>PastDueRpt</LnStopFuncCode>
<LnStopFuncDesc>Past Due Reporting</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
</LnStopInfoArray>
<Ver_1></Ver_1>
</LnStopInfo>
<Ver_1></Ver_1>
</x_LnStopInfo>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
</LnAcctInqRec>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
</AcctInqResponse>
</s:Body>
</s:Envelope>
AcctInq-TimeDeposit-XML-Request
<?xml version="1.0" encoding="UTF-8"?>
<SOAP-ENV:Envelope
xmlns:SOAP-ENV="http://schemas.xmlsoap.org/soap/envelope/"
xmlns:xsd="http://www.w3.org/2001/XMLSchema"
xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<SOAP-ENV:Header>
<wsse:Security
xmlns:wsse="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd"
xmlns:wsu="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-utility-1.0.xsd">
<wsse:UsernameToken
xmlns:wsse="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd">
<wsse:Username>{USERNAME}</wsse:Username>
<wsse:Password Type="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-username-token-profile-1.0#PasswordText">{PASSWORD}</wsse:Password>
</wsse:UsernameToken>
</wsse:Security>
</SOAP-ENV:Header>
<SOAP-ENV:Body>
<AcctInq
xmlns="http://jackhenry.com/jxchange/TPG/2008">
<MsgRqHdr>
<jXchangeHdr>
<JxVer/>
<AuditUsrId>{}</AuditUsrId>
<AuditWsId>{}</AuditWsId>
<AuthenUsrId/>
<ConsumerName/>
<ConsumerProd/>
<Ver_1/>
<jXLogTrackingId>{}</jXLogTrackingId>
<Ver_2/>
<InstRtId>011001276</InstRtId>
<InstEnv>TEST</InstEnv>
<Ver_3/>
<BusCorrelId/>
<Ver_4/>
<WorkflowCorrelId/>
<Ver_5/>
<ValidConsmName>{VALIDCONSMNAME}</ValidConsmName>
<ValidConsmProd>{VALIDCONSMPROD}</ValidConsmProd>
<Ver_6/>
</jXchangeHdr>
<Ver_1/>
<Ver_2/>
<Ver_3/>
</MsgRqHdr>
<InAcctId>
<AcctId>525</AcctId>
<AcctType>T</AcctType>
<Ver_1/>
</InAcctId>
<IncXtendElemArray>
<IncXtendElemInfo>
<XtendElem>x_AcctBenf</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_ACHPmtInfo_CType</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_IdVerify</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_TimeDepAcctInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_TimeDepBalDtInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_TimeDepInfoRec</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_TimeDepRateIntInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_TimeDepRegRptInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_TimeDepRenInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_TimeDepStmtInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_TimeDepTaxInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
</IncXtendElemArray>
<SvcPrvdInfo/>
<Custom/>
<Ver_1/>
<AvlBalCalcCode/>
<Ver_2/>
<ActIntent/>
<Ver_3/>
</AcctInq>
</SOAP-ENV:Body>
</SOAP-ENV:Envelope>
FAQ
AcctInqFAQ
HSA
Q: SilverLake and CIF 20/20 It is mentioned in the email that a HSA cannot be identified unless there is a specific ProdDesc that identifies it as an HSA. How would this designation be created? Is ProdDesc a user entered field or does it populate by a TranCode or ProdCode?
A: In AcctInq, ProdDesc is mapped to field DDPAR2/PSCDES for Savings accounts and CDPAR2/PDESC for CDs. PAR2 files are the parameter files for Service Charge Codes/CD Type Codes and can't be manipulated thru jXchange. So they are pulled from the ProdCode that has been setup in core.
Q: SilverLake and CIF 20/20 Do we have HSA codes setup in SL and 2020? If so, what are they?
A: SilverLake - the code for both Deposits and CDs is HS.
A: CIF 20/20 - the code for Deposits is HS.
Q: SilverLake and CIF 20/20 It is mentioned that a TranCode or TranCodes would need to be tied to the HSA to allow for taxable contribution and distribution. Do such codes exist today? If so, how do we find out this information?
A: These codes do not look like they are available in jXchange when running ParmValSrch for TranCodeCode. They exist in core when inquiring on the tran code parameters. It's tempting to go by the ParmValDesc in ParmValSrch but this description does not guarantee a transaction would be hitting the correct line on the IRS form. To access the codes, you'd have to have access to core menus. For SilverLake they are in TNPAR option 30. For CIF 20/20 they are in DDPAR option 1.
Q: SilverLake and CIF 20/20 It is also mentioned that there are limits on the types of contributions that can be made and could change. Am I correct that SL/2020 has no process in place to manage these limits and would have to be done on the TPV side?
A: JHA does not set the contribution limits, these are set by the Federal Government and could change from year to year. There is a parameter within the cores to set these limits, but there isn't a jXchange service that would allow for these limits to be set/changed. I'm guessing that during EOY updates, JHA informs the FI what the limits need to be for the upcoming tax year, but again those limits would be setup in core.
Q: SilverLake and CIF 20/20 Additionally, it is mentioned that there are penalties for withdrawals. Am I correct that SL/2020 has no process in place to manage these limits and would have to be done on the TPV side?
A: For HSAs there are penalties for non-qualified distributions but those penalties would be imposed by the IRS during tax season and would be reflected on the customer's 1099 form not via the core.
Core Director HSA answers
- Core Director uses IRA accounts for HSAs with the understanding that, the penalty amount for withdrawal before retirement age (in case of debit support) isn’t something we handle automatically, we’d allow them to take the full balance of the IRA and it would get coded as a Normal Distribution.
- All transactions should be performed on the DDA account only and Core Director will interface with the IRA.
- There really isn’t a good way to identify the account as an HSA unless the bank has setup a ProdCode that has HSA in the name. Within the DMZ test bank there is an IRA HSA ProdCode setup on the DMZ test bank, it is “IRAHSA”. There is also a DDA HSA ProdCode setup on the DMZ test bank, it is “HSA”.
- The Core Director Team has created some test accounts. IRA AcctId 11297000001 links to DDA 12340001. IRA AcctId 711710001 links to DDA 12340002.
Overdraft
Q: SilverLake and CIF 20/20 Does a non zero value in this field indicate that user can withdraw amount equal to what is present in the ODLimit above the available account balance?
A: Yes
Q: SilverLake and CIF 20/20 Is there a flag which can help us identify that the user has opted in for the facility?
A: The flag is ODPrvlgOptVal. The mapping is DepAcctInqRec.x_DepInfoRec.DepInfoRec.ODPrvlgOptInfoArray.ODPrvlgOptInfoRec.ODPrvlgOptVal.
Q: SilverLake and CIF 20/20 We have reports of users getting an invalid opt-in-flag for ODPrvlgOptVal. What are the correct values?
A: Valid values for ODPrvlgOptVal are:
- Accept
- Decline
- Exmp
- Inelgb
- NoRs
Revo is not a value that can be used in AcctAdd, it can only be used in AcctMod.
Q: SilverLake and CIF 20/20 We observed that we are able to debit amount in negative more than ODLimit, is this expected? Or does the ODLimit has some other meaning/unit (for eg: number of times user can go into negative balance etc).
A: That is expected, you can debit the account more than the amount associated with the OD Limit Code. During EOD processing that transaction would create an OD that would need to be worked by someone at the bank.
Q: Core Director Does a non zero value in this field indicate that user can withdraw amount equal to what is present in the ODLimit above the available account balance?
A: No. The ODPrvlgAmt contains the amount that they can dip into beyond their true memo balance. Based on the Vendor Record setting, this ODPrvlgAmt amount can be included in the AvlBal or can be excluded from the AvlBal that is returned via AcctInq, let us know which method they prefer and we can configure that in the DMZ for them.
Q: Core Director Is there a flag which can help us identify that the user has opted in for the facility?
A: If ODPrvlgAmt has value, that indicates they are setup
for this OD protection. The ODPrvlgOptVal maps to field 486 in Core
Director, see below:
486 - Reg E Opt-In (1 character) Field that is maintained by bank
personnel to indicate the customer’s opt-in status at any given time.
Values are:
- Accept - Y - Opted-In
- Decline - N - Not Opted-In
- NoRs - Blank - no response
- Revo - R – revoked Opt-In (may only be set if the value was previously a Y)
Q: Core Director We observed that we are able to debit amount in negative more than ODLimit, is this expected? Or does the ODLimit has some other meaning/unit (for eg: number of times user can go into negative balance etc).
A: There are configuration settings on the Vendor Record that can control this. The authorization is based on what is in AvlBal. AvlBal can be setup to either on Memo or Memo + Funds Avail from other sources (ODPrvlgAmt). The only way to go in excess of that would be if NSF validation where turned off -or- if NSF validation is enabled for override and they sent in an override for that NSF condition. Let us know what they would like to authorize off of Memo or Memo + ODPrvlgAmt and we can configure that in the DMZ for them. Similarly, there is a parameter in Core Director on the Vendor Record for “Transfer Auth Bal”. When set to Blank or “M” this indicates to authorize the transfer on Memo Balance or “A” to authorize on Memo Balance + Funds Available from Other Sources (field 285).
Available Balance
Q: Our client has a question concerning the available balance that is returned through the jXchange interface using the account inquiry function. Apparently the available balance does not exclude the hold amount.
Are there available balance options that can be used to return the proper available balance?
A: Available Balances are calculated starting with the
current balance of the account. If an available balance code
<AvlBalCalcCode> is included in the AcctInq request,
then Available Balance is calculated using the rules set by the code
passed in. It’s what determines the additional calculations that should be
considered when determining the available balance for an account.
For example:
| Code | Calculation inclusions |
|---|---|
| 1 | Float, Holds, Overdraft Protection Limit, Overdraft Line, Sweeps |
| 2 | Holds, Overdraft Protection limit, accrued Interest |
Not every account has Overdraft Protection, or an Overdraft Line or Sweeps but if it does, these will be considered when calculating the available balance if the code of 1 is used in the AcctInq request. If a code of 2 is used, the available balance may be different. It would be a lower balance in this particular example.
Here is everything that affects Available Balance in SilverLake:
If <AvlBalCalcCode> is not included in the AcctInq
request, then Available Balance is calculated from whatever default
balance calculation is set up for the provider. If you are interested in
knowing the calculations that were applied, they get returned as part of
the “calculated” attribute, as seen here in this example:
<AvlBal calculated="CurBal HoldAmt Float ProtAmt ODLmt
ODPrvlgAmt">1236881.12</AvlBal>
In this case, it starts with the current balance and is calculated from hold amounts, floats, etc.
Finally, if a bank is unable to provide you with an available balance code to use you can always look them up using the ParmValSrch service and passing in ParmName = AvlBalCalcCode.
General
Q: Core Director We are using deposit account type (DDA), does it mean we should specify XtendElem=x_DepAcctInfo in the request which will return UserDefInfoArray?
A: There is a parameter in MNTFLD (field control maintenance) that controls which field(s) are returned in the UserDefInfoArray in JX/ODI. The “Return via JX Inquiry” parameter will need to be set to “Y” on the field(s) that need to be returned in the UserDefInfoArray. The field number will be returned in UserDefTxt, the field value will be returned in UserDefCode and the field description will be returned in UserDefDesc, for example:
<UserDefInfo>
<UserDefTxt>803</UserDefTxt>
<UserDefCode>N</UserDefCode>
<UserDefDesc>803. Small Business:</UserDefDesc>
<UserDefDt xsi:nil="true" />
<UserDefInfo1 xsi:nil="true" />
<UserDefInfo2 xsi:nil="true" />
<UserDefInfo3 xsi:nil="true" />
</UserDefInfo>
Q: Core Director What is usage of x_TrckAcctInfoRec?
A: x_TrckAcctInfoRec is not used by Core Director.
Q: We do not see an element for the future date in the request. Is there one?
A: The Loan Payoff amount is the net amount of the elements with the following business mathematics CurBal + AccrInt + SecdAccr + LateChgDueAmt + OthChgAmt + MinInt + PrePmtPenAmt + FeeAmt + IntRebate + DlrRebate + InsurAmt + EscrwAmt + PartPmtAmt + EscrwIntWithAmt. By performing AcctInq on an account and adding these elements, they should be able to come up with the loan payoff amount. As for a future payoff amount, We don't know of a way to perform this action thru a business service available to TPV aside from calculating by hand all the above amounts based on the future date in question, which could be very tricky.
Q: When requesting information in AcctInq, why would the response be blank?
A: The reason you are not getting back any account info is because you are not including any Xtended element values. Since the entire response payload for AcctInq is quite large we only pass back information sections that a consumer is explicitly interested in. This is done by including the Xtended element values for sections you need. The values are shown in the response and are all prefixed by x_. For example, to retrieve primary account information you would pass in the x_DepInfoRec and x_DepAcctInfo structures.
<IncXtendElemInfo>
<XtendElem>x_DepAcctInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_DepInfoRec</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
Q: Where can I find the
<AcctStat> codes?
A: Download the "jXchange and SilverLake" pdf from the IDG Downloads or go to the AcctAdd operation and select the Status Codes tab.
Q: Core Director How can you tell if an account is included in account analysis?
A: The SerChgLvl that is returned will have an “X” or “Y”
returned in the first byte of the data in that field if it is account
analysis, for example <SerChgLvl>X04</SerChgLvl>
Q: How can I tell if an account has joint ownership or other relationships attached to it via the AcctInq operation?
A: Unfortunately, you cannot retrieve that level of
information via the AcctInq operation. If you are wanting to know if an
account has a joint ownership or similar you will need to call the
<AcctRelSrch> operation along with the
<AcctInq> operation.
Q: SilverLake Is there a field for a daily interest (Interest Per Diem)?
A: There isn’t a field for a daily interest, but it could be a calculated result from LnAcctInqRec.x_LnInfoRec.LnInfoRec.IntBasis & LnAcctInqRec.x_LnInfoRec.LnInfoRec.IntRate or Billed Principal LnAcctInqRec.x_LnPmtInfo.LnPmtInfo.BilPrincAmt.
Q: SilverLake How do we capture the maximum interest rate for a customer account?
A: DepAcctInqRec.x_DepRateIntInfo.DepRateIntInfo.VarIntRateInfo.RateCeil
Q: SilverLake What does the
<LastPmtAmt> indicate if a loan has two payments on the
same day?
A: If more than one payment is received, the
<LastPmtAmt> field is the total of all payments
received that day for the loan.
Q: SilverLake How do we fetch the number of remaining transactions available for a savings account in a month?
A: In AcctInq, element DepAcctInqRec.x_DepRegRptInfo.XferDrItemCnt is a count of the debits for an account during the current cycle. When an account gets cycled, depending on when their Service Charge Cycle is set, this field gets reset. Core file/field is DDMAST/DR6.
Q: SilverLake We want to determine if an account (or person) is enrolled in eStatements or not on the SilverLake core. We see that the AcctInq operation returns DepAcctInqRec.x_DepStmtInfo.DepStmtInfo.ElecStmtType that can have a value of "Email". We are assuming this is how to determine if a deposit account is enrolled in eStatements. Is that correct? If so, how do we do the same for a Loan or Time Deposit account as we do not see a similar field?
A: That is the correct, ElecStmtType is the element you would look at to find out if a deposit account is enrolled in eStatements. Valid canonical values are:
- Paper
- Email (eStatements)
- Both
- NA
ElecStmtType is only mapped for deposit accounts, there is no equivalent for Loans or Time Deposits accounts.
Q: SilverLake Which method can I use to pull the user's transfer limit for a set period of time? To clarify, this is to find out how many transfers/withdrawals they have left in a month for a specific account.
A: To identify accounts with transfer limits you'll find three elements that are beneficial: LmtTrnAcctType, XferDrItemCnt, and XferDrItemCntLmt.
The LmtTrnAcctType element specifies if the account is restricted in it's transaction activity. XferDrItemCnt is the number of transfers that can be made from the account during the period, and XferDrItemCntLmt details how many transfers have been made during the period.
Q: In the response for Core Director/CIF2020/SilverLake how is the interest rate returned? Is it represented as a decimal or the actual percent?
A:
- SilverLake/CIF2020 - IntRate returned is the decimal representation.
- Example: IntRate returned is .0375 then the interest rate would be 3.75%
- Core Director - IntRate returned is the interest rate as a percent.
- Example: IntRate returned is 3.75 then the interest rate is 3.75%