It is designed for internal servicing teams, underwriting systems, audit trails, and customer support platforms. What it does:
- Fetches a loan record using its unique ID
- Includes public financial metadata, repayment status, and loan structure
- Includes PII fields in the
Requestobject (ApplicantInfo, VehicleInfo, etc.) - Includes risk assessment data in the
Responseobject (Decision, LoanTerms, CreditScore, etc.) - Includes underwriting details in the
Underwritingobject (CreditInfo, DealTermsInfo, UnderwritingInfo, CashflowsCsv, etc.) - Displays servicing, origination, and underwriting progress
- When building a full loan servicing or monitoring dashboard
- When internal teams need borrower verification and employment insights
- When underwriting or auditing specific loan histories
- When investigating repayment behavior or defaults
Path Parameters
| Parameter | Type | Required | Description |
|---|---|---|---|
loan_id | string | Yes | The unique identifier of the loan to retrieve |
Example Request
curl --request GET \
--url https://api.stage.satschel.com/v2/chain/loans/{loan_id} \
--header 'Authorization: Bearer <token>' \
--header 'key: <key>'
Response
The API returns the complete loan data including loan details, PII information in theRequest object, and risk assessment data in the Response object:
{
"message": "ok",
"data": {
"loanDetails": {
"applicationId": "app-usa-2025-0001",
"borrowerId": "user_98765",
"borrower": "5FHneW46xGXgs5mUiveU4sbTyGBzmstUspZC92UhjJM694ty",
"lenderId": "lender_capital_auto_01",
"initialLender": "5GrwvaEF5zXb26Fz9rcQpDWS57CtERHpNehXCPcNoHGKutQY",
"primaryServicerId": "servicer_us_main",
"secondaryServicerId": "servicer_backup_us1",
"loanServicer": "5FLSigC9HGRKVhB9FiEo4Y3koPsNmBmLJbpXg2mp1hXcS59Y",
"loanType": "AutoLoan",
"principalAmount": "28,875",
"loanAmount": "29,163.75",
"collateralType": "Vehicles",
"collateralAmount": "1,000",
"interestRate": "10.83",
"spread": "0",
"interestRateType": "Fixed",
"indexRate": "",
"originationDate": "2025-06-15",
"maturityDate": "2028-06-15",
"amortizationType": "FullAmortization",
"loanStatus": "ClosedEarly",
"encumberedStatus": "Lien",
"term": "36",
"repaidAmount": "0",
"remainingBalance": "29,163.75",
"startBlock": "59,269",
"delinquentAmount": "0",
"delinquentDays": "0",
"paymentFrequency": "Monthly",
"installment": "36",
"riskRating": "Low",
"firstPaymentDate": "2025-07-15",
"lastPaymentDate": "2028-06-15",
"nextPaymentDate": "2025-07-15",
"prepaymentPenalty": "0",
"lateFee": "0",
"createdAt": "1,750,942,389,000",
"defaultProbability": "0.0038",
"grade": "A",
"predictedPrincipalPaid": "28,821.35",
"predictedInterestPaid": "4,819.16",
"predictedChargeoffAmount": "53.65",
"predictedRecoveredAmount": "18.63",
"predictedGrossCashflow": "33,659.14",
"predictedNetCashflow": "32,330.15",
"predictedYield": "0.1259",
"apr": "0.1072",
"fairValuePrice": "29,751.11",
"lendingDecisionReason": "Approved based on risk assessment",
"creditReportHash": "0xa3f1c8b6d42e7e9149d0b8a2fe67c9d5beed0123a1c4e7f89b23d6a5f9e4bc10",
"retailInstallmentContractHash": "0xa3f1c8b6d42e7e9149d0b8a2fe67c9d5beed0123a1c4e7f89b23d6a5f9e4bc10",
"applicantCreditVision": "FICO 753, stable income, low credit utilization",
"coApplicantCreditVision": "",
"macroEconomicFeatures": {
"unemployment": 3.8,
"cpi": 3.1,
"fedRate": 5.25
},
"loanPayments": [],
"metadata": {
"AutoLoan": {
"fundedDate": "2025-06-15",
"currentDpd": "0",
"originalBalance": "29,163.75",
"currentBalance": "29,163.75",
"originalTerm": "36",
"remainingTerm": "36",
"pti": "0.1",
"dti": "0.035",
"ltv": "110.0",
"scheduledPayment": "943.01",
"currentPaymentDue": "943.01",
"pastDueAmount": "0",
"totalPrincipalPaid": "0",
"totalInterestPaid": "0",
"totalFeesPaid": "0",
"chargeoffAmount": "0",
"recoveredAmount": "0",
"paymentStatus": "On Time",
"scheduledMaturityDate": "2028-06-15"
}
}
},
"Request": {
"ApplicantInfo": {
"AddressFull": "8329 74TH, SCOTTSDALE, AZ 85258-2704",
"AddressTotalMonths": null,
"ApplicantAddress": "8329 74TH",
"ApplicantAge": "64",
"ApplicantCity": "SCOTTSDALE",
"ApplicantDOB": "19610301",
"ApplicantEmail": "",
"ApplicantEmploymentTime": "0.0",
"ApplicantEmploymentTypes": "NONE,NONE",
"ApplicantFirstName": "ANA",
"ApplicantFullAddress": "8329 74TH",
"ApplicantIncome": "12250.0",
"ApplicantIncomePrimary": "12250.0",
"ApplicantLastName": "FLECHA",
"ApplicantResidencePays": "0.0",
"ApplicantSSN": "666522638",
"ApplicantState": "AZ",
"ApplicantTimeAtResidence": "0.0",
"ApplicantZip": "85258-2704",
"County": "Maricopa County",
"Email": null,
"EmploymentCompany": "",
"EmploymentTotalMonths": null,
"EmploymentType": "NONE",
"EmploymentWorkPhone": "",
"EstimatedIncome": "10000.0",
"HomePhone": "",
"HousingMonthlyPayment": null,
"MiddleInitial": "",
"MonthlyGross": 12250,
"OtherIncomeAmount": null,
"OtherIncomeType": "NONE",
"ReportedIncome": "12250.0",
"StreetNumber": "8329",
"UnitNumber": ""
},
"ApplicationInfo": {
"ApplicantNumber": "",
"ApplicantsNumber": "1",
"ApplicationID": "1e52f7d9cd61285b587828c2",
"ApplicationType": "Complete",
"RefiBool": "n",
"RequestedLoanID": ""
},
"CoApplicantInfo": {
"CoApplicantSSN": ""
},
"DealerInfo": {
"DealerID": "",
"DealerName": "",
"DealerState": ""
},
"PartnerInfo": {
"PartnerName": "simplici-direct",
"ProgramPartner": "Simplici"
},
"RequestedTermsInfo": {
"RequestedLoanAmount": "28875.000000000004",
"RequestedLoanBackendProductsAmount": "0.0",
"RequestedLoanDTI": "0.03535425679536365",
"RequestedLoanDownPayment": "0.0",
"RequestedLoanGAP": "0.0",
"RequestedLoanPTI": "0.1",
"RequestedLoanPayment": "433.12500000000006",
"RequestedLoanRate": "18.0",
"RequestedLoanTerm": "36.0"
},
"VehicleInfo": {
"VehicleAge": "10",
"VehicleMake": "FORD",
"VehicleMileage": "10000",
"VehicleModel": "Fusion",
"VehicleRetailValue": "35000",
"VehicleVIN": "3FA6P0H74FR288905",
"VehicleWholesaleValue": "26250.0",
"VehicleYear": "2015.0"
}
},
"Response": {
"ApplicationID": "1e52f7d9cd61285b587828c2",
"ApplicationType": "Complete",
"Comments": [],
"CreditScoreCoapplicant": 0.0,
"CreditScorePrimary": 753,
"Date": "2025-12-11",
"DealerID": "",
"Decision": "APPROVED",
"DecisionDate": "2025-12-11 17:21:52",
"DeclineReason": "",
"LoanTerms": [
{
"AcquisitionFee": 0.0,
"AssetPrice": 1.01,
"DEALER_FLAT": "288.75",
"DefaultProb": 0.0,
"Description": "Karus Option",
"Discount": -1.0,
"FundedAmount": 29163.75,
"GrossYield": 0.1072,
"IRR": 0.1023,
"LTV": 110.0,
"Participation": null,
"Payment": 943.01,
"Rate": 10.83,
"TermMonths": 36,
"TotalLoanAmount": 28875.0,
"VehicleWholesaleValue": 26250.0
}
],
"Stipulations": [
"18+ Years Old",
"Valid Drivers License",
"Proof of Income",
"Proof of Insurance",
"Proof of Residence",
"3 References",
"Minimum Downpayment Approved: $1443.75"
]
},
"Underwriting": {
"CashflowsCsv": "Month,Scheduled principal payment,Scheduled interest payment,Scheduled payment,Principal paid,Interest paid,Prepay amount,Charge-off amount,Recovered amount,Net loss amount,Servicing fee,Total paid,Gross Cashflow,Total paid (less fees),Net Cashflow,Gross Default (Charge-Off) %,Net Loss %,Delinquent amount,Delinq. Prepay Principal,Delinq. Prepay Interest,Delinq. Default Principal,Delinq. Default Interest,Delinq. One Ahead Default Principal,Delinq. Two Ahead Default Principal,Delinq. One Ahead Default Interest,Delinq. Two Ahead Default Interest,Principal balance,Technology fee,Proportion Default,Proportion Prepay,Starting Remaining Loans,Cumulative charge-off amount,Cumulative net loss amount,Gross charge-off percent,Net loss percent,Date,Original balance,Type,Fees paid (non servicing),Cumulative principal paid,Cumulative interest paid,Cumulative recovered amount,Cumulative total servicing fee,Cumulative total fees paid (non servicing),Cumulative total paid,Cumulative total paid (less fees),Cumulative net cashflow,Month\n0,0.0,0.0,0.0,0.0,0.0,0.0,-34025.0,0.0,-34025.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,34025.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,2025-12-11,34025.0,Projected,0,0.0,0.0,0.0,0.0,0,0.0,0.0,1.0,0.0,59\n...",
"CoApplicantCreditBureauPDF": "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...",
"CoApplicantCreditBureauTradeLines": "",
"DealTermsInfo": [
{
"ApprovedDownPayment": "1443.75",
"TermsAPR": "0.0783",
"TermsDTI": "0.11213880725221191",
"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.1",
"TermsLoanAmount": "28875.0",
"TermsMonthlyPayment": "1303.700388839596",
"TermsPTI": "0.1064245215379262",
"TermsTerm": "24.0"
}
],
"PrimaryCreditBureauPDF": "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...",
"PrimaryCreditBureauTradeLines": "subscriber,account_type,member,account_num,opened,closed,payment,terms,portfolio_type,balance,high_balance,past_due,rating,30dpd,60dpd,90dpd,account_class,today,age,age_closed,seasoned\nJPMCB CARD,FX,0...",
"PrimaryCreditInfo": {
"CreditScore": "753.0",
"ApplicantCreditReportDate": "2025-12-11",
"FileSummaryFileHitIndicator": "regularHit",
"FileSummarySsnMatchIndicator": "exact",
"FileSummaryInFileSinceDate": "1999-05-01",
"FileSummaryMarket": "29",
"FileSummarySubmarket": "AZ",
"FileSummaryConsumerStatementIndicator": "False",
"CreditDataStatusSuppressed": "False",
"InFileSinceDate": "1999-05-01",
"TrackingTransactionTimeStamp": "2025-11-17T12:12:46.001-06:00",
"AGG101": "2483",
"AGG102": "7279",
"AGG103": "8231",
"AGG104": "14885",
"AGG105": "8124",
"AGG201": "14000",
"AGG202": "29000",
"AGG203": "29000",
"AGG301": "0",
"AGG302": "0",
"AGG401": "2675",
"AGG402": "6763",
"AGG501": "2483",
"AGG502": "7279",
"AGG601": "14000",
"AGG602": "29000",
"AGG701": "0",
"AGG702": "0",
"AGG801": "2675",
"AGG802": "6763",
"AGG901": "0",
"AGG902": "3",
"AGG903": "0",
"AGG904": "1",
"AGG905": "23.74",
"AGG906": "34.62",
"AGGS101": "2455",
"AGGS102": "5811",
"AGGS103": "6186",
"AT01A": "2",
"AT01S": "12",
"AT02S": "2",
"AT03S": "2",
"AT101B": "7059",
"AT101S": "7059",
"AT103S": "100",
"AU01S": "2",
"AU02S": "0",
"AU03S": "-3",
"BC01S": "5",
"BC02S": "2",
"BC03S": "2",
"BC101S": "7059",
"BC102S": "14500",
"BR01S": "5",
"BR02S": "2",
"BR03S": "2",
"CV01": "-1",
"CV02": "24",
"CV03": "-1",
"CV19": "7059",
"CV20": "70",
"FC01S": "1",
"FC02S": "0",
"FC03S": "1",
"FI01S": "2",
"FI02S": "0",
"FI03S": "-3",
"G001B": "0",
"G001C": "0",
"G001S": "0",
"G020S": "4",
"G041C": "1",
"G041S": "1",
"G199B": "25",
"G199S": "25",
"G200B": "36",
"G200S": "36",
"G201A": "21941",
"G201B": "-2",
"HI01S": "0",
"HI02S": "-1",
"HR01S": "0",
"HR02S": "-1",
"IN01S": "2",
"IN02S": "0",
"IN03S": "-3",
"INDEX01": "97",
"INDEX02": "59",
"JT01S": "2",
"JT02S": "0",
"JT03S": "-3",
"LM01S": "0",
"LM02S": "-1",
"MT01S": "5",
"MT02S": "0",
"MT03S": "-3",
"OF01S": "0",
"OF02S": "-1",
"PAYMNT01": "-2",
"PAYMNT02": "-2",
"PAYMNT07": "50.0",
"PB01S": "2",
"PB02S": "2",
"PB03S": "2",
"RE01S": "5",
"RE02S": "2",
"RE03S": "2",
"RE101S": "7059",
"RE102S": "14500",
"REVS101": "2455",
"REVS102": "5811",
"REVS103": "6186",
"RP01S": "0",
"RP02S": "-1",
"RT01S": "0",
"RT02S": "-1",
"RVDEX01": "97",
"RVDEX02": "59",
"RVLR01": "0.0",
"RVLR02": "-1.0",
"RVLR29": "2483",
"S004S": "133",
"S043S": "0",
"S061S": "22",
"SE01S": "0",
"SE02S": "-1",
"ST01S": "0",
"ST02S": "-1",
"TRD": "12",
"TRV01": "999",
"TRV02": "0",
"US01S": "0",
"US02S": "-1",
"WALSHR01": "0",
"WALSHR02": "0",
"WALSHR03": "3",
"WALSHRS1": "100",
"WALSHRS2": "35",
"... (and 800+ more credit bureau fields including all AGG*, AGGS*, AT*, AU*, BC*, BR*, CV*, FC*, FI*, FR*, G*, HI*, HR*, IN*, JT*, LM*, MD*, MT*, OF*, PAYMNT*, PB*, RE*, RETS*, REVS*, RP*, RT*, RVDEX*, RVLR*, S*, SE*, ST*, TRD*, TRV*, US*, WALSHR*, WALSRTS*, WALSRVS* fields - all 1136+ fields from the credit bureau response are included)"
},
"UnderwritingInfo": [
{
"AllWarnings": "",
"CollateralDefaultProb": "0.025768364019160397",
"DecisionReason": "",
"DecisionReasonSimple": "",
"DecisionStatus": "APPROVED",
"DefaultProb": "0.0038391412595749734",
"FairValuePrice": "1.01",
"ForecastChargeoffAmount": "53.64759247686432",
"ForecastCompoundingIRR": "0.13345275863242834",
"ForecastCompoundingNetIRR": "0.09483225736178147",
"ForecastFairValuePrice": "1.040644729219909",
"ForecastInterestPaid": "4819.160498780415",
"ForecastNetLossAmount": "35.020800528969865",
"ForecastPresentValue": "29751.105501212747",
"ForecastPrincipalPaid": "28821.352407523133",
"ForecastRecoveredAmount": "18.626791947894457",
"ForecastSimpleIRR": "0.12592463545450983",
"ForecastSimpleNetIRR": "0.0909440480803152",
"ForecastTotalPaid": "33659.13969825145",
"ForecastTotalPaidLessFees": "32330.15064727478",
"SolventProb": "0.996160858740425",
"TermsApprovedBackEndProducts": "0.0",
"TermsApprovedFrontEndAmt": "28875.0",
"TermsApprovedFrontEndLTV": "109.99580968344063",
"TermsDealerDiscount": "-0.010000000000000009",
"TermsDealerFlat": "288.7500000000003",
"TermsDiscountFee": "2.8421709430404007e-13",
"TermsFundedAmount": "29163.75",
"TermsLoanDiscount": "3.637978807091713e-12",
"TermsTotalDiscount": "-288.74999999999636",
"WarningsNumber": "0"
}
]
}
}
UnderwritingInfo array contains all 60 entries (one for each DealTermsInfo entry), and PrimaryCreditInfo contains all 1136+ credit bureau fields. All attributes from the risk assessment API response are included without modification.
}