The past due table provides a detailed breakdown of overdue amounts on a loan, organized by the dates payments or charges came due. It shows when amounts became due and what portion of those amounts remains unpaid.

The table gives five pieces of information in each row.  These include:

• Due Date – This is the date when the amount in the New Due Amount column came due.  This date is most likely the date of a payment, but could also be the date of a charge.
• Past Due Amount Carried Forward – This is the past-due amount that is carried forward from the previous row.  There will be rows for payoff charges, which means no amount has come due yet.  If you have a fees paid by setting of period and multiple fees have come due in a single period, the Amount Due column will show the sum of the fee amounts that came due in the period on the first date in that period.  There will still be a row for each date a fee was assessed on, but the New Due Amount column for other fees in the same period will be $0.00.
• New Due Amount – This is the amount that came due on the date listed in the Due Date column.
• Amount Due – This is the total amount that has come due on the loan through the date in the Due Date column.
• # of days past due – This is the number of days the amount found in the New Due Amount column is past due.

The calculated account history provides daily loan data for a specified date range, including principal balance, interest, fees, and past due amounts. It calculates historical values based on the current state of the loan.

To run a ‘Calculated Account History’ report, navigate to Reports > Calculated > Calculated Account History inside a loan account. Enter a date range using the advanced date picker in the field at the top of the report.

You can also select a predefined range from the drop-down next to the field. The options include: Today, Last 7 Days, Last 30 Days, Last 60 Days, Last 90 Days, Last 180 Days, This Month, Last Month, Year to Date, This Year, and Custom Range. Once you’ve chosen your date range, the results will be pulled automatically.

You will see the following information for each day in the report:

• Principal – This is the remaining principal balance on the date.
• Payoff Fees – This is the total of outstanding payoff fees on the date.
• Aging – This is the age of the loan in days on the date.
• Amount Past Due – This is the amount the account is past due on the date.
• Days Past Due – This is the number of days the account is past due on the date.
• Due Discount – This is the amount of discount that is due on the date.
• Due Interest – This is the amount of interest that is due on the date.
• Due Fees – This is the total amount in fees that is due on the date.
• Due Principal – This is the amount of principal that is due on the date.
• Accrued Interest – This is that amount of interest that accrued on the date (per diem interest).
• Net Charge Off – This is the total amount charged off on the account on the date.

You can also export your results. Click the ‘Data Options’ button and then ‘Excel Data Dump’. This will automatically generate and download a .csv file of the calculated account history report. 

The accrued interest report provides details on the interest paid over time. It allows you to calculate total interest and review the history of interest payments. By selecting a date range, the report calculates changes in accrued interest, helping you determine how much interest is owed on the loan.

Navigate to the accrued interest report, inside a loan, by going to Reports > Calculated > Accrued Interest.

To run an accrued interest report, select a date range into the field at the top of the report using the date selector.

You can choose one of the predefined ranges from the drop-down, or select specific dates using the Custom Range option. The options are: Today, Last 7 Days, Last 30 Days, Last 60 Days, Last 90 Days, Last 180 Days, This Month, Last Month, Year to Date, This Year, and Custom Range.

You can view the total interest accrued for all of your accounts simultaneously using the calculated interest accrual report.

The delinquency categories report shows how many payments on an account are past due. Each record lists an unpaid payment that has come due. For more detailed information, refer to the ‘Past Due Table’ report for this account.

Navigate to the accrued interest report, inside a loan, by going to Reports > Calculated > Delinquency Categories.

This report identifies the cause of delinquency on an account, such as missed payments, and tracks how long the account has been delinquent. It reviews missed payments and past due dates to provide an overview of delinquency status.

Note that this is a calculated report, not a historical snapshot. As a result, the date of first delinquency may not align with the daily snapshot, as transactions posted after their apply dates can affect the delinquency table differently.

It is also important to note that delinquencies are defined as the number of times a borrower has been more than 30 days past due on an account. 

To use the delinquency history table, navigate to Reports > Calculated > Delinquency History Table inside of any loan.

At the top of this section, you can find the following:

• Unique Delinquencies - This number shows how many times the loan has been more than 30 days past due. A unique delinquency is a period when the loan is delinquent, surrounded by periods when the loan is not. If the loan is continuously delinquent, that is only one unique delinquency. If the loan comes current and then becomes delinquent again, there will be another unique delinquency.
• Delinquent Days - This is the total number of days the loan has been delinquent.
• Delinquency Percent - This is the percentage of days during which the loan has existed, that it has been delinquent.
• Date Of First Delinquency - This is the date the account first became delinquent for the most recent unique delinquency.
• 24 Month Payment History - This shows the delinquency code on the current day of the month, for each of the past 24 months, starting with the most recent month.
• Past Due Summary - This shows a summary of the 24 month payment history. Each column shows the number of times (in terms of months) that the loan was delinquent past a certain number of days. The top row gives the number of days, and the bottom row the number of times the loan reached that level of delinquency. For instance, in the example photo it shows 90 in the top row and 2 beneath it; this means that in the past 24 months, the borrower was over 90 days past due on two separate occasions.

In the delinquency history table, each row in the table represents of month of the year. Each column represents a day of the month. A code is displayed, for each day a loan has existed, based on the loan delinquency. The available codes include:

• E - Zero Balance & Current Account – On this day, the account was less than 30 days past due and had a principal balance of $0.00.
• 0 - Current Account – On this day, the loan was less than 30 days past due.
• 1- 30 – 60 DPD – On this day, the loan was between 31 and 60 days past due.
• 2 - 61 – 90 DPD – On this day, the loan was between 61 and 90 days past due.
• 3 - 91 – 120 DPD – On this day, the loan was between 91 and 120 days past due.
• 4 - 121 – 150 DPD – On this day, the loan was between 121 and 150 days past due.
• 5 - 151 – 180 DPD – On this day, the loan was between 151 and 180 days past due.
• 6 - 181 + DPD – On this day, the loan was more than 180 days past due.

By default, this report will display delinquency information for the last 24 months.  Use the drop-down at the top right of the report to display delinquency information only for the current year, past years, or all time.

A red line is shown on either side of the column for the current date. This helps you easily see the delinquency code for today and for this day of past months.

You can export this report using the “Data Options” button to the right of the drop-down.

The transactions report provides a live amortization schedule for a loan, offering a comprehensive view of its past and future details. It includes the remaining balance, payments made and their breakdown, charges incurred, credits and advancements, forecasted payments, interest adjustments, and the current date.

As one of the most powerful tools in LoanPro, the transactions report consolidates nearly all loan information into a single, easy-to-navigate view. Read on to learn about the different sections of the report and how to use it effectively.

Running the transactions report

To open the transactions report, navigate to a specific loan then to Reports > Transactions. Once there, the transactions report will load showing the live Amortization Schedule.

In the report, there are two main sections: the amortization schedule, and the summary. In the picture above, the amortization schedule is on the left, while the summary is on the right.

Summary

The summary section is relatively straightforward. It goes over some of the loan settings, and the amount that has been paid in interest, fees, principal, discount, and escrow. In addition, it shows the remaining principal, remaining interest, the current payoff, and the original final payment information.

At the top of the summary section is a graph that shows the breakdown of what’s been paid, such as how much has gone to interest, fees, and principal.

Amortization schedule

The ‘Amortization Schedule’ is where the transactions report shines. The schedule is live and up-to date, allowing you to see where money is going and the current state of the loan. It also allows you to expand and hide information, forecasting what would be applied in the future.

To toggle the expansion of any transaction, click on the title of the transaction.

Scheduled payments

‘Scheduled Payments’ show the amount that came due/will come due with each payment. Because of this, scheduled payments may change when payments are made on the loan, because the amounts that came due/will come due may change.

For simple interest loans, these payments are calculated as the average daily balance multiplied by the daily interest rate multiplied by the number of days in the period.  The average daily balance is calculated by taking the sum of the principal balance each day in a payment period and dividing that total by the number of days in the period. The average daily balance is affected by payments that have been made and by forecast payments. That means that the breakdown for scheduled payments will often match that of forecast payments, but not in some circumstances like when the first period is irregular and accrues more interest than the due payment amount, or when a payment has been missed on the loan, because past missed payments don’t have a forecast payment associated with them.

Schedule payments are shown in white on the transactions report, and by default are not expanded.

Forecasted payments

Forecasted payments are predictions of how future payments will be applied to the loan. These payments are calculated assuming that the borrower pays only the payment amount on the payment due date in the future. In other words, when a payment is paid early or late, the numbers for the actual applied payments may not match the numbers that were on the original forecasted payments. Because of this, you may want to hide the forecasted payments by suspending them to get a different look at the future of a loan.

Forecasted payments are shown in a faded yellow color and are expanded by default.

Payment regular

Actual payments show the payments made by the customer. This allows you to see how much a borrower paid and when, as well as the breakdown of the payment. If a payment made by a customer applies to several scheduled payments, then the applied payment will be broken up to help show how much applied to which amount. The components of a payment (e.g, interest and principal) will all share the same title and the same transaction ID.

Actual payments are highlighted in a light blue, and are expanded by default.

Credits

Credits apply like actual payments on loans as far as the interest and principal balance are concerned (this, of course, depends on the settings used when the credit is made). Credits are shown in green on the schedule, and are expanded by default.

Advancements

Advancements increase the principal balance of the loan. They are shown in a light red-purple color and are not expanded by default. Since they add to the principal balance, the advancement amount is surrounded by parenthesis.

Current date

The current date is shown in black. This listing gives options to show or hide history and forecast, which may be helpful if you want to see only the past or future of the loan. This transaction listing makes it easy to find your place in the transactions listing.

Charges

Charges are shown in orange. The color of the charge gives more information about the settings of each charge. Light-colored orange charges with a dark border represent standard charges that are being included in the past due calculations for the account. The light-colored charges without a dark border represent standard charges that are not being included in the past due calculations of the account. The dark-colored charges are payoff-only fees.

Expanding the fold for fees will show the amount charged and the charge type.

Amount and days past due adjustments

The transactions report will also show you when the amount or number of days past due has been adjusted. These transactions are white like scheduled payments.

Interest adjustments

When you import loan data from another lending software application into LMS, the due interest on the loan may have been calculated differently, which could potentially change the due interest. The interest adjustment tool allows you to make a transaction to specifically adjust (increase or decrease) the due interest on the loan. If you add more interest to the loan, the payment amount will stay the same, but the amount applied to interest will increase and the amount applied to principal will decrease. The opposite is true if you decrease the interest.

This tool can be used inside of a specific loan by navigating to Loan > Account Setup > Setup Tools > Interest Adjustments. The interest adjustment transactions article gives specifics on how to use the tool.

Symbols

Finally, if you see a frown (☹️) to the right of an actual payment or credit, that means that transaction has been flagged as a charge off. If you see an asterisk (*) to the left of a scheduled payment date, that means that due date has been changed.

provides key metrics for a single account, including total interest collected, percentage of the loan paid off, and the remaining principal balance. It offers a quick overview of how much has been paid and what remains.

You can find the ‘Admin Stats Report’ under Reports > Admin Stats within any loan account.

Available information

The admin stats report is broken down into three sections: Standard Stats, Closed Stats, and Collection Stats. Standard Stats displays information relevant to an open loan; closed stats displays information relevant to a paid-off loan; and collection stats displays information relevant to a loan that is in collections.

Standard stats

Here is a breakdown of what the Standard Stats page consists of:

Closed stats

Closed stats are similar to standard stats, but numbers that aren’t relevant to a paid-off loan are omitted and original IRR is relabeled “Paid Off IRR.”

Collection stats

Collection stats are also similar to standard stats, but Current Payoff is relabeled “Pending Collection.”

For more information on this report, read our Daily Snapshot article.

The delinquency report provides an overview of a borrower's delinquency status, including whether their loan is open, their next due date, and the next payment amount. It helps you assess what actions the borrower needs to take and review their transaction history to understand the cause of delinquency. The report also details missed payments, adjusted due dates, late fees, and schedule changes.

In the left column, you get the following information:

• Amount Due – This is the amount that has come due on the loan that hasn’t been paid. Click the arrow to the right to see how this amount breaks down into interest, principal, fees, etc.
• # Of Days Past Due – This is the number of days since the any amount came due on the loan that has not yet been paid.
• 1st Delinquency Date – This is the date on which the earliest unpaid amount came due on the loan. Click this to view the delinquency history table.
• Loan Recency – This is the number of days since a payment was made on the loan.
• Unique Delinquencies – This is the number of times the loan has been delinquent. Click on this to view the delinquency history table, which has more information about unique delinquencies.
• Last Payment Date – This is the most recent date on which a payment was made on the loan. Click the link to be taken to the payments tab.
• Last Payment Amount – This is the amount of the most recent payment made on the loan. Click the link to be taken to the payments tab.
• Stoplight – This shows the current stoplight color for the loan. Click the link to be taken to the Daily Snapshot to see stoplight history.
• Next Due Date – This is the next date on which a payment will come due on the loan.
• Next Payment Amount – This is the amount of the next payment that will come due on the loan.
• Last Human Activity Date – This is the date when the most recent action was taken on the loan that required human input.
• Active Warning Flags – These are all of the flags that apply to the loan. Click the link to be taken to the flags history on the loan.

In the right column, you have options for other things you can do to help you understand the loan better. The following options are available:

Account review

• Review notes, alerts, and Promises on this account – Click  to be taken to the Promises tab inside the servicing section of the loan. From there, you can check out the Note Manager/Alerts tab.
• Review the delinquency history – Click  to be taken to the Delinquency History Table inside the loan.
• Determine the reason for delinquency – Use the information gathered from the above two actions to determine the reason for the account delinquency.
• Review transaction history – Click  to be taken to the Transactions Report (see above in this article) inside the loan.
• Review changed due dates, late fees, and schedule rolls – Click  to be taken to the Setup Tools inside the loan. From here you can see changed due dates, late fee settings, and schedule rolls for the loan.
• Review customer communication history – Click  to be taken to the Customer Communication for the primary customer.

Verification

• Phone carrier lookup – Looking up the phone carrier can be done inside the contact and personal information section of a customer file. This will verify that a phone number is real and which carrier (e.g. AT&T, Sprint) the number is assigned to.
• Address verification – Addresses can be verified inside the contact and personal information section of a customer file.
• Employment verification – To verify employment you will need to look at the customer’s employment information.
• Payment profile expiration verification – You can check payment profiles either directly inside the customer file or inside of Secure Payments.
• GPS location (if applicable) – If there is a GPS unit attached to the collateral, you can check on it inside the Collateral Tracking tab of a loan.
• Insurance coverage verification – Click  to be taken to the Insurance Tracking tab of the loan.

Account actions

• Set up AutoPay – Click  to be taken to the  AutoPay tab of the loan.
• Post an account commitment – Click  to be taken to the  Promises tab of the loan.
• Print a form – Click  to be taken to the  Custom Forms tab of the loan.