{
  "$schema": "https://json-structure.org/draft/2024-12/structure",
  "title": "MSP Loan Structure",
  "description": "Canonical structure for an MSP-serviced loan record exchanged via Black Knight / ICE MSP DX APIs.",
  "type": "object",
  "fields": {
    "loanNumber": { "type": "string", "required": true, "description": "Servicer-assigned MSP loan number." },
    "investorLoanNumber": { "type": "string", "description": "Investor identifier for reporting." },
    "productCode": { "type": "string" },
    "borrower": {
      "type": "object",
      "fields": {
        "firstName": { "type": "string", "required": true },
        "lastName": { "type": "string", "required": true },
        "taxIdLast4": { "type": "string" }
      }
    },
    "propertyAddress": {
      "type": "object",
      "fields": {
        "street": { "type": "string" },
        "city": { "type": "string" },
        "state": { "type": "string" },
        "postalCode": { "type": "string" }
      }
    },
    "originationDate": { "type": "date" },
    "originalAmount": { "type": "decimal" },
    "principalBalance": { "type": "decimal", "required": true },
    "interestRate": { "type": "decimal" },
    "nextPaymentDueDate": { "type": "date" },
    "escrowBalance": { "type": "decimal" },
    "investorCode": { "type": "string" },
    "servicerCode": { "type": "string" },
    "status": {
      "type": "string",
      "enum": ["Active", "Paid In Full", "Foreclosure", "Bankruptcy", "Loss Mitigation", "Charge Off", "REO"]
    },
    "delinquencyDays": { "type": "integer" }
  }
}