---
title: Servicing Reports 3.0
description: "LendingWise Servicing Reports 3.0: portfolio snapshot, delinquency, maturities, watch list, collections, receipts, late fees and scheduled emails."
---

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# Servicing Reports 3.0

## Portfolio reports for loans in Servicing 3.0: what each tab shows, filters, exports and scheduled report emails.

Servicing Reports 3.0 shows your whole serviced portfolio in one place: balances, who's behind, what's maturing, what came in and what late fees were charged. It only includes loans that have been onboarded in Servicing 3.0, and every number comes from each loan's servicing ledger. If you haven't onboarded a loan yet, start with [Servicing 3.0: set up and onboard a loan](https://help.lendingwise.com/knowledge/servicing-3-set-up-and-onboard-a-loan?hsLang=en).

### Open the reports

In the menu on the left, click **Loan Servicing \> Servicing Reports 3.0**. The reports are tabs across the top: Portfolio Snapshot, Delinquency / Aging, Maturity Schedule, Watch List, Payment Collection, Cash Receipts Journal, Late Fee / NSF, Awaiting Capital Allocation and Scheduled Reports.

![Servicing Reports 3.0 Portfolio Snapshot showing the report tabs, the As of, Fund, Type and Branch filters, CSV, Excel and PDF exports, the totals, and Loan ID links](https://help.lendingwise.com/hs-fs/hubfs/00_portfolio_snapshot.png?width=670&height=169&name=00_portfolio_snapshot.png)

1. **Report tabs.** Click one to switch reports.
2. **Filters.** Pick what you want, then click **Apply**: 
     - **As of**: the date the report is calculated for. Balances include everything posted on or before it. The tabs that cover a period of activity (Payment Collection, Cash Receipts Journal, Late Fee / NSF) show a **Date range** instead.
     - **Fund**: one fund, or **Any attachment**, **Fund-attached** (loans tied to any fund) or **Servicing-only** (loans with no fund).
     - **Type**: Full loan amount (TLA), where interest is charged on the whole loan amount from day one, or Drawn balance (ILA), where interest is charged only on the money actually drawn.
     - **Branch**.
3. **Exports.** Every report exports to CSV and Excel. Portfolio Snapshot, Delinquency / Aging and Maturity Schedule also export to PDF.
4. **Totals.** Number of loans, Total UPB (unpaid principal balance), Wtd Avg Rate (the average note rate, weighted by balance) and Past Due Loans.
5. **Loan ID.** Click it to open that loan's Servicing tab in a new browser tab. The report keeps your filters.

### What each report shows

- **Portfolio Snapshot**: every serviced loan with its UPB, Total Receivable, rate, aging bucket, days past due, past due amount and maturity date.
- **Delinquency / Aging**: who's behind and by how much. The Aging Buckets table groups loans into Current, 1-29, 30-59, 60-89, 90-119 and 120+ days, with the number of loans, past due amount and UPB in each. The list below it shows every past-due loan.
- **Maturity Schedule**: loans by maturity month or quarter (use **Group by**), with each loan's extension options: Ext. Options, Options Used, Options Remaining and Total Extensions.
- **Watch List**: loans that need attention. A loan is listed if any one of these is true: it has Matured, it's Maturing within 60 days, it's In default, or it's 30+ days past due. The Watch Reasons column lists every reason that applies. A loan that's less than 30 days late isn't listed unless one of the other reasons applies, so use Delinquency / Aging to see every late loan.
- **Payment Collection**: for payments due in the date range, what was Expected, what was Collected, the Collection rate, and the Cash received in range (payments posted in the range, whichever period they paid). It opens on the most recent month that had payments due.
- **Cash Receipts Journal**: every payment posted in the date range, split into Principal, Interest, Late Fee, Default Int., Charges and Other. Reversed payments show as negative amounts. It opens on the most recent month that had receipts.
- **Late Fee / NSF**: late fees Assessed, Collected and Waived per loan, plus NSF Count and NSF Reversed $. It opens on the full span of your late-fee activity, so narrow the date range to look at one period.
- **Awaiting Capital Allocation**: shown if you have Fund Management. It lists onboarded, funded loans that don't have a capital source recorded yet. Allocate each one on the loan file's Fund Management/Investors tab, or leave the ones you funded yourself. This report ignores the Fund, Type and Branch filters.

![Delinquency / Aging report with the Aging Buckets table and the list of past-due loans](https://help.lendingwise.com/hs-fs/hubfs/01_delinquency_aging.png?width=670&height=140&name=01_delinquency_aging.png)

![Watch List report with the Why a loan is on this list panel and the Watch Reasons column](https://help.lendingwise.com/hs-fs/hubfs/02_watch_list.png?width=670&height=147&name=02_watch_list.png)

### How days past due are counted

The reports count days from the **oldest unpaid due date** to the As of date. The late fee grace period isn't counted. So a loan can show as past due in the reports a few days before a late fee is charged on it.

### Email a report on a schedule

1. Click the **Scheduled Reports** tab.
2. Pick the report.
3. Pick **Daily**, **Weekly** (then the day of the week) or **Monthly** (then Day 1 to Day 28).
4. Type the email addresses, separated by commas.
5. Click **Add Schedule**.

![Scheduled Reports tab with the report picker, Monthly and Day 1 options, email addresses box and Add Schedule button](https://help.lendingwise.com/hs-fs/hubfs/03_scheduled_reports.png?width=670&height=104&name=03_scheduled_reports.png)

The email is a short summary with the report's main figures and a link. **Scheduled reports only go out once servicing email notifications are live.** In **Loan Servicing \> Settings & Borrower Portal**, the Email Notifications switch must be on and capture mode must be off. While capture mode is on, no servicing emails leave the system, scheduled reports included.

### Good to know

- Reports use the real date. A loan's Simulated Date (the testing tool on the Servicing 3.0 tab) doesn't change the As of date, but entries posted while testing with a simulated date do show up in the reports. Only use Simulated Date on test loans.
- The As of date goes back to today when you switch tabs. Set it again before you click Apply.
- Known issue (October 2026): the NSF Fees column on Late Fee / NSF shows $0.00 even when NSF fees were charged. NSF Count and NSF Reversed $ are correct.
- Our recommendation: check Watch List and Delinquency / Aging weekly for collections, and schedule them to the people who chase late payments once your servicing emails are live.

Day-to-day servicing (payments, charges, approvals and payoffs) is covered in [Servicing 3.0: payments, charges, approvals and payoffs](https://help.lendingwise.com/knowledge/servicing-3-payments-charges-approvals-payoffs?hsLang=en).

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