{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/black-knight/main/json-schema/msp-loan-schema.json",
  "title": "MSP Loan",
  "description": "Loan-level record exposed by the Black Knight / ICE MSP DX (Direct Exchange) APIs. Captures core servicing identifiers, borrower context, balances, and investor reporting metadata.",
  "type": "object",
  "required": [
    "loanNumber",
    "borrower",
    "principalBalance",
    "status"
  ],
  "properties": {
    "loanNumber": {
      "type": "string",
      "description": "MSP loan number (servicer-assigned, typically 10 digits)."
    },
    "investorLoanNumber": {
      "type": "string",
      "description": "Investor-assigned loan identifier used in investor reporting."
    },
    "productCode": {
      "type": "string",
      "description": "MSP product code identifying the loan product (e.g., FNMA-CONV-30YR)."
    },
    "borrower": {
      "type": "object",
      "required": ["firstName", "lastName"],
      "properties": {
        "firstName": { "type": "string" },
        "lastName": { "type": "string" },
        "taxIdLast4": {
          "type": "string",
          "pattern": "^[0-9]{4}$",
          "description": "Last four of borrower SSN (PII-restricted)."
        }
      }
    },
    "propertyAddress": {
      "type": "object",
      "properties": {
        "street": { "type": "string" },
        "city": { "type": "string" },
        "state": { "type": "string", "pattern": "^[A-Z]{2}$" },
        "postalCode": { "type": "string" }
      }
    },
    "originationDate": {
      "type": "string",
      "format": "date",
      "description": "Original note date."
    },
    "originalAmount": {
      "type": "number",
      "description": "Original loan amount in USD."
    },
    "principalBalance": {
      "type": "number",
      "description": "Current unpaid principal balance (UPB) in USD."
    },
    "interestRate": {
      "type": "number",
      "description": "Current note rate, percent."
    },
    "nextPaymentDueDate": {
      "type": "string",
      "format": "date"
    },
    "escrowBalance": {
      "type": "number",
      "description": "Current escrow balance in USD."
    },
    "investorCode": {
      "type": "string",
      "description": "Investor code (e.g., FNMA, FHLMC, GNMA, or private label)."
    },
    "servicerCode": {
      "type": "string",
      "description": "Servicer identifier within MSP."
    },
    "status": {
      "type": "string",
      "enum": ["Active", "Paid In Full", "Foreclosure", "Bankruptcy", "Loss Mitigation", "Charge Off", "REO"],
      "description": "Servicing status."
    },
    "delinquencyDays": {
      "type": "integer",
      "minimum": 0,
      "description": "Days past due as of last cycle."
    }
  }
}