Figure loan data at origination is stored as a single scope in the P8e Encrypted Object Store. Servicing data is recorded in a separate scope(s). Data inputs and outputs of P8e contracts are defined using Google Protocol Buffers (protobufs). Each contract execution operates on a single loan scope, consisting of key-value pairs where the value object is a protobuf. All identifiers in the Figure loan data model are Universally Unique Identifiers (UUIDs). The Figure loan scope model is also used by Figure Servicing and the Figure Portfolio Manager, allowing joint contract execution and data sharing between these applications.
Fact Name
Value Data Type
Description
additional_parties
PartiesList
Additional co-borrowers or co-signers on the loan
credit_reports
CreditReportsList
Borrower credit reports
documents
DocumentList
Metadata about documents associated with the loan. Actual documents are stored separately.
funding
Funding
Information about disbursement of funds to borrower
income_records
IncomeRecordsList
Borrower Income sources
loan
Loan
Metadata about the loan
primary_party
Party
Primary borrower on the loan
digital_signature_packets
DocumentWithDataList
Structure data from third-party data providers that is digitally signed by source
servicing
LoanServicing
Information about the servicer for the loan
signed_prom_note
Disclosure
Signed promissory note
tri_merg_reports
TriMergeReportsList
Consolidated report from the three major credit bureaus
underwriting_packet
UnderwritingPacket
Underwriting data and offers
lien_property
LienProperty
If a property-based loan, information about the property on which a lien is filed