PlyraSample Guarantee ProgramDemo visitor

Sample portfolio, invented data

Monday, October 19, 2026

The sample portfolio’s night ran from to Pacific. Every borrower, lender and figure is invented.

1,889live loans ranked
174moved overnight
60reasons written by the model
0model answers refused by the checks
25drafts waiting for a person
  1. Queue resetearlier drafts cleared: 25 drafts, 0 decisions
  2. Simulated day4,352 loans, 1,882 live; 74 records changed: 3 status moves, 5 missed payments, 1 claim paid
  3. Ranking1,889 live loans ranked; 174 moved; 60 reasons written by the model, 0 refused
  4. Drafts25 drafts waiting; 0 refused by the checks; eval 14 of 14 passed
  5. Loan files10 loan files checked; 0 documents read by the model, 44 already read; 15 open findings; 4 fixes waiting
  6. Fingerprintdigest 0xed6869e8 on Fuji, entry 19
  7. Seal4,352 loans and 85 receipts sealed; book root 0x7a39a82a on Fuji, entry 0

Where the moved loans landed

Each mark is a loan whose rank or signals changed overnight, placed on tonight’s ranking. Rust marks score 50 or more.

Rank 1Rank 1,889

The night's seal on Avalanche Fuji

Contract
0x7eeDD92230…64274f
Figures digest
0xed6869e84beb…5d3181
Book root
0x7a39a82ac204…208d14
Receipts root
0x64c3ee07ef63…3c571d
Entry
0, written at Pacific
Transaction 0xf9bd7d4a…06c7ff

The morning queue

Code wrote every figure and field; the model wrote the words. You decide as Demo visitor. Nothing is sent and no record changes. The queue starts fresh each night.

Claim packets 7

Loans in Doubtful or Loss. Code marks what the record already holds; the summary is drafted from the record.

Cedar Fork National Bank loan 2417WaitingThis loan, held by Cedar Fork National Bank in Retail Trade, is Doubtful (Lender Preparing Claim) on the record. The guarantee amount is $1,363,500, and the record held current guarantee liability of $68,175 on August 21, 2026. The loan matured on March 5, 2026 and is still open. In Retail Trade (NAICS 45), 8 of 28 finished loans defaulted (29%), and at Cedar Fork National Bank 49 of 200 finished loans defaulted (25%), against 20% across the program.

This loan, held by Cedar Fork National Bank in Retail Trade, is Doubtful (Lender Preparing Claim) on the record. The guarantee amount is $1,363,500, and the record held current guarantee liability of $68,175 on August 21, 2026. The loan matured on March 5, 2026 and is still open. In Retail Trade (NAICS 45), 8 of 28 finished loans defaulted (29%), and at Cedar Fork National Bank 49 of 200 finished loans defaulted (25%), against 20% across the program.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

Status
Doubtful (Lender Preparing Claim)
Guarantee
$1,363,500
Current liability
$68,175, as of August 21, 2026
Matured
March 5, 2026

Claim checklist

  • The guarantee agreement: $1,363,500, dated March 5, 2021
  • The lender's notice of default to the borrower (from the lender)
  • The payment history from the first payment to the default (from the lender)
  • A statement of the principal and interest owed on the date of default: the record shows $68,175 of current guarantee liability, as of August 21, 2026
  • The note, the loan agreement and any modification agreements: no modification is on record
  • The collateral, and the steps the lender has taken to collect (from the lender)
  • The lender's certificate that the loan was made and serviced under the program's rules (from the lender)

What the model was given

Lender: Cedar Fork National Bank.
Loan status on the record: Doubtful (Lender Preparing Claim).
Industry: Retail Trade.
Guarantee amount: $1,363,500.
Current guarantee liability: $68,175, as the record held it on August 21, 2026.
The loan matured on March 5, 2026 and is still open.
The loan's history on the record:
- Industry's record: Retail Trade (NAICS 45): 8 of 28 finished loans defaulted (29%), against 20% across the program.
- Lender's record: Cedar Fork National Bank: 49 of 200 finished loans defaulted (25%), against 20% across the program.
Program rules the summary may state:
- A claim must reach the program while the guarantee is in force.
The claim checklist, marked from the record (printed under the summary):
- The guarantee agreement: on record, $1,363,500, dated March 5, 2021.
- The lender's notice of default to the borrower: needed from the lender.
- The payment history from the first payment to the default: needed from the lender.
- A statement of the principal and interest owed on the date of default: needed from the lender; the record shows $68,175 of current guarantee liability, as of August 21, 2026.
- The note, the loan agreement and any modification agreements: needed from the lender; no modification is on record.
- The collateral, and the steps the lender has taken to collect: needed from the lender.
- The lender's certificate that the loan was made and serviced under the program's rules: needed from the lender.

Open loan 2417

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Foghorn Bay Bank loan 755WaitingThis loan, made by Foghorn Bay Bank, is Doubtful (Lender Preparing Claim) on the record. The guarantee is $231,200, and the record held current guarantee liability of $184,042 on August 21, 2026. In Manufacturing (NAICS 32), 11 of 39 finished loans defaulted (28%), against 20% across the program. At Foghorn Bay Bank, 24 of 114 finished loans defaulted (21%), against 20% across the program.

This loan, made by Foghorn Bay Bank, is Doubtful (Lender Preparing Claim) on the record. The guarantee is $231,200, and the record held current guarantee liability of $184,042 on August 21, 2026. In Manufacturing (NAICS 32), 11 of 39 finished loans defaulted (28%), against 20% across the program. At Foghorn Bay Bank, 24 of 114 finished loans defaulted (21%), against 20% across the program.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

Status
Doubtful (Lender Preparing Claim)
Guarantee
$231,200
Current liability
$184,042, as of August 21, 2026
Matures
March 1, 2032

Claim checklist

  • The guarantee agreement: $231,200, dated March 1, 2025
  • The lender's notice of default to the borrower (from the lender)
  • The payment history from the first payment to the default (from the lender)
  • A statement of the principal and interest owed on the date of default: the record shows $184,042 of current guarantee liability, as of August 21, 2026
  • The note, the loan agreement and any modification agreements: no modification is on record
  • The collateral, and the steps the lender has taken to collect (from the lender)
  • The lender's certificate that the loan was made and serviced under the program's rules (from the lender)

What the model was given

Lender: Foghorn Bay Bank.
Loan status on the record: Doubtful (Lender Preparing Claim).
Industry: Manufacturing.
Guarantee amount: $231,200.
Current guarantee liability: $184,042, as the record held it on August 21, 2026.
The loan matures on March 1, 2032.
The loan's history on the record:
- Industry's record: Manufacturing (NAICS 32): 11 of 39 finished loans defaulted (28%), against 20% across the program.
- Lender's record: Foghorn Bay Bank: 24 of 114 finished loans defaulted (21%), against 20% across the program.
Program rules the summary may state:
- A claim must reach the program while the guarantee is in force.
The claim checklist, marked from the record (printed under the summary):
- The guarantee agreement: on record, $231,200, dated March 1, 2025.
- The lender's notice of default to the borrower: needed from the lender.
- The payment history from the first payment to the default: needed from the lender.
- A statement of the principal and interest owed on the date of default: needed from the lender; the record shows $184,042 of current guarantee liability, as of August 21, 2026.
- The note, the loan agreement and any modification agreements: needed from the lender; no modification is on record.
- The collateral, and the steps the lender has taken to collect: needed from the lender.
- The lender's certificate that the loan was made and serviced under the program's rules: needed from the lender.

Open loan 755

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Verdant Creek Bank loan 2706WaitingThis loan, held by Verdant Creek Bank in Other Services (except Public Administration), stands on the record as Doubtful (Lender Preparing Claim). The record holds a guarantee of $54,400 and a current guarantee liability of $32,329 as of August 6, 2026, and the loan matures on July 13, 2029. The lender's record shows 8 of 29 finished loans defaulted (28%), against 20% across the program's portfolio.

This loan, held by Verdant Creek Bank in Other Services (except Public Administration), stands on the record as Doubtful (Lender Preparing Claim). The record holds a guarantee of $54,400 and a current guarantee liability of $32,329 as of August 6, 2026, and the loan matures on July 13, 2029. The lender's record shows 8 of 29 finished loans defaulted (28%), against 20% across the program's portfolio.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

Status
Doubtful (Lender Preparing Claim)
Guarantee
$54,400
Current liability
$32,329, as of August 6, 2026
Matures
July 13, 2029

Claim checklist

  • The guarantee agreement: $54,400, dated July 13, 2024
  • The lender's notice of default to the borrower (from the lender)
  • The payment history from the first payment to the default (from the lender)
  • A statement of the principal and interest owed on the date of default: the record shows $32,329 of current guarantee liability, as of August 6, 2026
  • The note, the loan agreement and any modification agreements: no modification is on record
  • The collateral, and the steps the lender has taken to collect (from the lender)
  • The lender's certificate that the loan was made and serviced under the program's rules (from the lender)

What the model was given

Lender: Verdant Creek Bank.
Loan status on the record: Doubtful (Lender Preparing Claim).
Industry: Other Services (except Public Administration).
Guarantee amount: $54,400.
Current guarantee liability: $32,329, as the record held it on August 6, 2026.
The loan matures on July 13, 2029.
The loan's history on the record:
- Lender's record: Verdant Creek Bank: 8 of 29 finished loans defaulted (28%), against 20% across the program.
Program rules the summary may state:
- A claim must reach the program while the guarantee is in force.
The claim checklist, marked from the record (printed under the summary):
- The guarantee agreement: on record, $54,400, dated July 13, 2024.
- The lender's notice of default to the borrower: needed from the lender.
- The payment history from the first payment to the default: needed from the lender.
- A statement of the principal and interest owed on the date of default: needed from the lender; the record shows $32,329 of current guarantee liability, as of August 6, 2026.
- The note, the loan agreement and any modification agreements: needed from the lender; no modification is on record.
- The collateral, and the steps the lender has taken to collect: needed from the lender.
- The lender's certificate that the loan was made and serviced under the program's rules: needed from the lender.

Open loan 2706

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Mossline Credit Union loan 527WaitingThis loan, made by Mossline Credit Union to a borrower in Retail Trade, stands on the record as Doubtful (Lender Preparing Claim). The program's guarantee is $14,000, and the record held current guarantee liability of $700 on August 23, 2026. The loan matured on February 19, 2026 and is still open. In the loan's history, Retail Trade (NAICS 44) shows 26 of 118 finished loans defaulted (22%), against 20% across the program's portfolio.

This loan, made by Mossline Credit Union to a borrower in Retail Trade, stands on the record as Doubtful (Lender Preparing Claim). The program's guarantee is $14,000, and the record held current guarantee liability of $700 on August 23, 2026. The loan matured on February 19, 2026 and is still open. In the loan's history, Retail Trade (NAICS 44) shows 26 of 118 finished loans defaulted (22%), against 20% across the program's portfolio.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

Status
Doubtful (Lender Preparing Claim)
Guarantee
$14,000
Current liability
$700, as of August 23, 2026
Matured
February 19, 2026

Claim checklist

  • The guarantee agreement: $14,000, dated February 19, 2024
  • The lender's notice of default to the borrower (from the lender)
  • The payment history from the first payment to the default (from the lender)
  • A statement of the principal and interest owed on the date of default: the record shows $700 of current guarantee liability, as of August 23, 2026
  • The note, the loan agreement and any modification agreements: no modification is on record
  • The collateral, and the steps the lender has taken to collect (from the lender)
  • The lender's certificate that the loan was made and serviced under the program's rules (from the lender)

What the model was given

Lender: Mossline Credit Union.
Loan status on the record: Doubtful (Lender Preparing Claim).
Industry: Retail Trade.
Guarantee amount: $14,000.
Current guarantee liability: $700, as the record held it on August 23, 2026.
The loan matured on February 19, 2026 and is still open.
The loan's history on the record:
- Industry's record: Retail Trade (NAICS 44): 26 of 118 finished loans defaulted (22%), against 20% across the program.
Program rules the summary may state:
- A claim must reach the program while the guarantee is in force.
The claim checklist, marked from the record (printed under the summary):
- The guarantee agreement: on record, $14,000, dated February 19, 2024.
- The lender's notice of default to the borrower: needed from the lender.
- The payment history from the first payment to the default: needed from the lender.
- A statement of the principal and interest owed on the date of default: needed from the lender; the record shows $700 of current guarantee liability, as of August 23, 2026.
- The note, the loan agreement and any modification agreements: needed from the lender; no modification is on record.
- The collateral, and the steps the lender has taken to collect: needed from the lender.
- The lender's certificate that the loan was made and serviced under the program's rules: needed from the lender.

Open loan 527

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Quailhollow Savings Bank loan 4083WaitingThis loan, held by Quailhollow Savings Bank, carries the status Doubtful (Lender Preparing Claim) on the record. The guarantee amount is $496,000, and the record held current guarantee liability of $202,403 on August 19, 2026. The loan matures on July 21, 2028. The lender's record shows 8 of 33 finished loans defaulted (24%), against 20% across the program's portfolio. Under the program rules, a claim must reach the program while the guarantee is in force.

This loan, held by Quailhollow Savings Bank, carries the status Doubtful (Lender Preparing Claim) on the record. The guarantee amount is $496,000, and the record held current guarantee liability of $202,403 on August 19, 2026. The loan matures on July 21, 2028. The lender's record shows 8 of 33 finished loans defaulted (24%), against 20% across the program's portfolio. Under the program rules, a claim must reach the program while the guarantee is in force.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

Status
Doubtful (Lender Preparing Claim)
Guarantee
$496,000
Current liability
$202,403, as of August 19, 2026
Matures
July 21, 2028

Claim checklist

  • The guarantee agreement: $496,000, dated July 21, 2023
  • The lender's notice of default to the borrower (from the lender)
  • The payment history from the first payment to the default (from the lender)
  • A statement of the principal and interest owed on the date of default: the record shows $202,403 of current guarantee liability, as of August 19, 2026
  • The note, the loan agreement and any modification agreements: no modification is on record
  • The collateral, and the steps the lender has taken to collect (from the lender)
  • The lender's certificate that the loan was made and serviced under the program's rules (from the lender)

What the model was given

Lender: Quailhollow Savings Bank.
Loan status on the record: Doubtful (Lender Preparing Claim).
Guarantee amount: $496,000.
Current guarantee liability: $202,403, as the record held it on August 19, 2026.
The loan matures on July 21, 2028.
The loan's history on the record:
- Lender's record: Quailhollow Savings Bank: 8 of 33 finished loans defaulted (24%), against 20% across the program.
Program rules the summary may state:
- A claim must reach the program while the guarantee is in force.
The claim checklist, marked from the record (printed under the summary):
- The guarantee agreement: on record, $496,000, dated July 21, 2023.
- The lender's notice of default to the borrower: needed from the lender.
- The payment history from the first payment to the default: needed from the lender.
- A statement of the principal and interest owed on the date of default: needed from the lender; the record shows $202,403 of current guarantee liability, as of August 19, 2026.
- The note, the loan agreement and any modification agreements: needed from the lender; no modification is on record.
- The collateral, and the steps the lender has taken to collect: needed from the lender.
- The lender's certificate that the loan was made and serviced under the program's rules: needed from the lender.

Open loan 4083

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Alta Mesa Community Bank loan 247WaitingThis loan, made by Alta Mesa Community Bank, carries the status Doubtful (Lender Preparing Claim) on the record. The guarantee amount is $67,600, and the record held current guarantee liability of $62,114 on August 21, 2026. The loan matures on March 29, 2031. On the lender's record, 114 of 528 finished loans defaulted (22%), against 20% across the program's portfolio.

This loan, made by Alta Mesa Community Bank, carries the status Doubtful (Lender Preparing Claim) on the record. The guarantee amount is $67,600, and the record held current guarantee liability of $62,114 on August 21, 2026. The loan matures on March 29, 2031. On the lender's record, 114 of 528 finished loans defaulted (22%), against 20% across the program's portfolio.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

Status
Doubtful (Lender Preparing Claim)
Guarantee
$67,600
Current liability
$62,114, as of August 21, 2026
Matures
March 29, 2031

Claim checklist

  • The guarantee agreement: $67,600, dated March 29, 2026
  • The lender's notice of default to the borrower (from the lender)
  • The payment history from the first payment to the default (from the lender)
  • A statement of the principal and interest owed on the date of default: the record shows $62,114 of current guarantee liability, as of August 21, 2026
  • The note, the loan agreement and any modification agreements: no modification is on record
  • The collateral, and the steps the lender has taken to collect (from the lender)
  • The lender's certificate that the loan was made and serviced under the program's rules (from the lender)

What the model was given

Lender: Alta Mesa Community Bank.
Loan status on the record: Doubtful (Lender Preparing Claim).
Guarantee amount: $67,600.
Current guarantee liability: $62,114, as the record held it on August 21, 2026.
The loan matures on March 29, 2031.
The loan's history on the record:
- Lender's record: Alta Mesa Community Bank: 114 of 528 finished loans defaulted (22%), against 20% across the program.
Program rules the summary may state:
- A claim must reach the program while the guarantee is in force.
The claim checklist, marked from the record (printed under the summary):
- The guarantee agreement: on record, $67,600, dated March 29, 2026.
- The lender's notice of default to the borrower: needed from the lender.
- The payment history from the first payment to the default: needed from the lender.
- A statement of the principal and interest owed on the date of default: needed from the lender; the record shows $62,114 of current guarantee liability, as of August 21, 2026.
- The note, the loan agreement and any modification agreements: needed from the lender; no modification is on record.
- The collateral, and the steps the lender has taken to collect: needed from the lender.
- The lender's certificate that the loan was made and serviced under the program's rules: needed from the lender.

Open loan 247

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1 more claim packets
Granite Slough Bank loan 2897WaitingThe record shows this loan from Granite Slough Bank with a status of Doubtful (Lender Preparing Claim). The program's guarantee on this loan is $58,400, and the record held current guarantee liability of $27,264 as of August 12, 2026. The loan matures on September 27, 2029. Under the program rules, a claim must reach the program while the guarantee is in force.

The record shows this loan from Granite Slough Bank with a status of Doubtful (Lender Preparing Claim). The program's guarantee on this loan is $58,400, and the record held current guarantee liability of $27,264 as of August 12, 2026. The loan matures on September 27, 2029. Under the program rules, a claim must reach the program while the guarantee is in force.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

Status
Doubtful (Lender Preparing Claim)
Guarantee
$58,400
Current liability
$27,264, as of August 12, 2026
Matures
September 27, 2029

Claim checklist

  • The guarantee agreement: $58,400, dated September 27, 2022
  • The lender's notice of default to the borrower (from the lender)
  • The payment history from the first payment to the default (from the lender)
  • A statement of the principal and interest owed on the date of default: the record shows $27,264 of current guarantee liability, as of August 12, 2026
  • The note, the loan agreement and any modification agreements: no modification is on record
  • The collateral, and the steps the lender has taken to collect (from the lender)
  • The lender's certificate that the loan was made and serviced under the program's rules (from the lender)

What the model was given

Lender: Granite Slough Bank.
Loan status on the record: Doubtful (Lender Preparing Claim).
Guarantee amount: $58,400.
Current guarantee liability: $27,264, as the record held it on August 12, 2026.
The loan matures on September 27, 2029.
Program rules the summary may state:
- A claim must reach the program while the guarantee is in force.
The claim checklist, marked from the record (printed under the summary):
- The guarantee agreement: on record, $58,400, dated September 27, 2022.
- The lender's notice of default to the borrower: needed from the lender.
- The payment history from the first payment to the default: needed from the lender.
- A statement of the principal and interest owed on the date of default: needed from the lender; the record shows $27,264 of current guarantee liability, as of August 12, 2026.
- The note, the loan agreement and any modification agreements: needed from the lender; no modification is on record.
- The collateral, and the steps the lender has taken to collect: needed from the lender.
- The lender's certificate that the loan was made and serviced under the program's rules: needed from the lender.

Open loan 2897

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Lender notices 17

Guarantees inside 180 days of their expiry. The notice goes to the lender that holds the loan.

Emberline Credit Union loan 3707WaitingThe program's guarantee on this loan expires on November 3, 2026. The record shows a guarantee amount of $59,500 and a current guarantee liability of $56,343, as the record held it on September 25, 2026. The loan matures on June 15, 2031.

The program's guarantee on this loan expires on November 3, 2026. The record shows a guarantee amount of $59,500 and a current guarantee liability of $56,343, as the record held it on September 25, 2026. The loan matures on June 15, 2031.

Before November 3, 2026, the program asks you to confirm the loan's current balance and payment status. If you want the guarantee renewed, send a renewal request before the guarantee expires. Any claim on this loan must reach the program while the guarantee is in force.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

To
Emberline Credit Union
Re
Nutmeg Beacon Landscaping
Status
Passable
Guarantee expires
November 3, 2026, in 15 days
Guarantee
$59,500
Current liability
$56,343, as of September 25, 2026

What the model was given

Lender: Emberline Credit Union.
Guarantee amount: $59,500.
Current guarantee liability: $56,343, as the record held it on September 25, 2026.
The guarantee expires on November 3, 2026.
The loan matures on June 15, 2031.
Program rules the notice may state:
- A lender that wants the guarantee renewed sends a renewal request before the guarantee expires.
- A claim on this loan must reach the program while the guarantee is in force.
- The program asks the lender to confirm the loan's current balance and payment status.

Open loan 3707

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Baywater Savings Bank loan 2269WaitingThe program's guarantee on this loan expires on November 12, 2026. The record shows a guarantee amount of $106,400 and a current guarantee liability of $96,881, as the record held it on October 3, 2026. The loan matures on April 14, 2031.

The program's guarantee on this loan expires on November 12, 2026. The record shows a guarantee amount of $106,400 and a current guarantee liability of $96,881, as the record held it on October 3, 2026. The loan matures on April 14, 2031.

If you want the guarantee renewed, please send a renewal request before the guarantee expires on November 12, 2026. Any claim on this loan must reach the program while the guarantee is in force.

The program also asks you to confirm the loan's current balance and payment status.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

To
Baywater Savings Bank
Re
Granary Upholstery LLC
Status
Loan Modification
Guarantee expires
November 12, 2026, in 24 days
Guarantee
$106,400
Current liability
$96,881, as of October 3, 2026

What the model was given

Lender: Baywater Savings Bank.
Guarantee amount: $106,400.
Current guarantee liability: $96,881, as the record held it on October 3, 2026.
The guarantee expires on November 12, 2026.
The loan matures on April 14, 2031.
Program rules the notice may state:
- A lender that wants the guarantee renewed sends a renewal request before the guarantee expires.
- A claim on this loan must reach the program while the guarantee is in force.
- The program asks the lender to confirm the loan's current balance and payment status.

Open loan 2269

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Foghorn Bay Bank loan 2858WaitingThe program's guarantee on this loan expires on November 27, 2026. The record shows a guarantee amount of $657,600 and a current guarantee liability of $299,588, as the record held it on September 19, 2026. The loan matures on December 30, 2027, after the guarantee expires.

The program's guarantee on this loan expires on November 27, 2026. The record shows a guarantee amount of $657,600 and a current guarantee liability of $299,588, as the record held it on September 19, 2026. The loan matures on December 30, 2027, after the guarantee expires.

Before November 27, 2026, the program asks you to confirm the loan's current balance and payment status. If you want the guarantee renewed, the renewal request must be sent before the guarantee expires. Any claim on this loan must reach the program while the guarantee is in force.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

To
Foghorn Bay Bank
Re
Kiln Roofing
Status
Passable
Guarantee expires
November 27, 2026, in 39 days
Guarantee
$657,600
Current liability
$299,588, as of September 19, 2026

What the model was given

Lender: Foghorn Bay Bank.
Guarantee amount: $657,600.
Current guarantee liability: $299,588, as the record held it on September 19, 2026.
The guarantee expires on November 27, 2026.
The loan matures on December 30, 2027.
Program rules the notice may state:
- A lender that wants the guarantee renewed sends a renewal request before the guarantee expires.
- A claim on this loan must reach the program while the guarantee is in force.
- The program asks the lender to confirm the loan's current balance and payment status.

Open loan 2858

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Alta Mesa Community Bank loan 721WaitingThe program's guarantee on this loan expires on December 18, 2026. The record shows a guarantee amount of $14,000 and a current guarantee liability of $746, as the record held it on October 16, 2026. The record also shows that the loan matures on October 22, 2026.

The program's guarantee on this loan expires on December 18, 2026. The record shows a guarantee amount of $14,000 and a current guarantee liability of $746, as the record held it on October 16, 2026. The record also shows that the loan matures on October 22, 2026.

Before the guarantee expires, the program asks you to confirm the loan's current balance and payment status. If you want the guarantee renewed, send a renewal request before December 18, 2026. Any claim on this loan must reach the program while the guarantee is in force.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

To
Alta Mesa Community Bank
Re
Granite Pier Textiles
Status
Passable
Guarantee expires
December 18, 2026, in 60 days
Guarantee
$14,000
Current liability
$746, as of October 16, 2026

What the model was given

Lender: Alta Mesa Community Bank.
Guarantee amount: $14,000.
Current guarantee liability: $746, as the record held it on October 16, 2026.
The guarantee expires on December 18, 2026.
The loan matures on October 22, 2026.
Program rules the notice may state:
- A lender that wants the guarantee renewed sends a renewal request before the guarantee expires.
- A claim on this loan must reach the program while the guarantee is in force.
- The program asks the lender to confirm the loan's current balance and payment status.

Open loan 721

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Westbrace Savings loan 2072WaitingThe program's guarantee on this loan expires on December 21, 2026. The record shows a guarantee amount of $272,800 and a current guarantee liability of $62,261, as the record held it on September 22, 2026. The loan matures on June 23, 2027, after the guarantee expires.

The program's guarantee on this loan expires on December 21, 2026. The record shows a guarantee amount of $272,800 and a current guarantee liability of $62,261, as the record held it on September 22, 2026. The loan matures on June 23, 2027, after the guarantee expires.

If you want the guarantee renewed, the program needs your renewal request before the guarantee expires. A claim on this loan must reach the program while the guarantee is in force.

The program asks you to confirm the loan's current balance and payment status so the record for this loan in the program's portfolio is current.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

To
Westbrace Savings
Re
Knoll Salon
Status
Passable
Guarantee expires
December 21, 2026, in 63 days
Guarantee
$272,800
Current liability
$62,261, as of September 22, 2026

What the model was given

Lender: Westbrace Savings.
Guarantee amount: $272,800.
Current guarantee liability: $62,261, as the record held it on September 22, 2026.
The guarantee expires on December 21, 2026.
The loan matures on June 23, 2027.
Program rules the notice may state:
- A lender that wants the guarantee renewed sends a renewal request before the guarantee expires.
- A claim on this loan must reach the program while the guarantee is in force.
- The program asks the lender to confirm the loan's current balance and payment status.

Open loan 2072

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Thistledown Bank loan 892WaitingThe program's guarantee on this loan expires on December 31, 2026. The record shows a guarantee amount of $68,400 and a current guarantee liability of $14,096, as the record held it on October 5, 2026. The record also shows that the loan matures on March 23, 2029, after the guarantee expires.

The program's guarantee on this loan expires on December 31, 2026. The record shows a guarantee amount of $68,400 and a current guarantee liability of $14,096, as the record held it on October 5, 2026. The record also shows that the loan matures on March 23, 2029, after the guarantee expires.

Before December 31, 2026, the program asks you to confirm the loan's current balance and payment status. If you want the guarantee renewed, send a renewal request before the guarantee expires. A claim on this loan must reach the program while the guarantee is in force.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

To
Thistledown Bank
Re
Zinc Nook Trucking
Status
Passable
Guarantee expires
December 31, 2026, in 73 days
Guarantee
$68,400
Current liability
$14,096, as of October 5, 2026

What the model was given

Lender: Thistledown Bank.
Guarantee amount: $68,400.
Current guarantee liability: $14,096, as the record held it on October 5, 2026.
The guarantee expires on December 31, 2026.
The loan matures on March 23, 2029.
Program rules the notice may state:
- A lender that wants the guarantee renewed sends a renewal request before the guarantee expires.
- A claim on this loan must reach the program while the guarantee is in force.
- The program asks the lender to confirm the loan's current balance and payment status.

Open loan 892

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11 more lender notices
Baywater Savings Bank loan 2925WaitingThe program's guarantee on this loan expires on January 11, 2027. The record shows a guarantee amount of $685,000 and a current guarantee liability of $157,495, as the record held it on October 8, 2026. The loan matures on August 30, 2028, after the guarantee expires.

The program's guarantee on this loan expires on January 11, 2027. The record shows a guarantee amount of $685,000 and a current guarantee liability of $157,495, as the record held it on October 8, 2026. The loan matures on August 30, 2028, after the guarantee expires.

Before January 11, 2027, the program asks you to confirm the loan's current balance and payment status. If you want the guarantee renewed, send a renewal request before the guarantee expires. Any claim on this loan must reach the program while the guarantee is in force.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

To
Baywater Savings Bank
Re
Oriole Upholstery
Lender's loan number
262806-37
Status
Passable
Guarantee expires
January 11, 2027, in 84 days
Guarantee
$685,000
Current liability
$157,495, as of October 8, 2026

What the model was given

Lender: Baywater Savings Bank.
Guarantee amount: $685,000.
Current guarantee liability: $157,495, as the record held it on October 8, 2026.
The guarantee expires on January 11, 2027.
The loan matures on August 30, 2028.
Program rules the notice may state:
- A lender that wants the guarantee renewed sends a renewal request before the guarantee expires.
- A claim on this loan must reach the program while the guarantee is in force.
- The program asks the lender to confirm the loan's current balance and payment status.

Open loan 2925

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Westbrace Savings loan 3548WaitingThe program's guarantee on this loan expires on January 11, 2027. The record shows a guarantee amount of $356,000 and a current guarantee liability of $163,420, as the record held it on October 7, 2026. The record also shows that the loan matures on August 17, 2027, after the guarantee expires.

The program's guarantee on this loan expires on January 11, 2027. The record shows a guarantee amount of $356,000 and a current guarantee liability of $163,420, as the record held it on October 7, 2026. The record also shows that the loan matures on August 17, 2027, after the guarantee expires.

Before January 11, 2027, the program asks you to confirm the loan's current balance and payment status. If you want the guarantee renewed, you send a renewal request before the guarantee expires. Any claim on this loan must reach the program while the guarantee is in force.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

To
Westbrace Savings
Re
Spindle Tailoring Co.
Status
Passable
Guarantee expires
January 11, 2027, in 84 days
Guarantee
$356,000
Current liability
$163,420, as of October 7, 2026

What the model was given

Lender: Westbrace Savings.
Guarantee amount: $356,000.
Current guarantee liability: $163,420, as the record held it on October 7, 2026.
The guarantee expires on January 11, 2027.
The loan matures on August 17, 2027.
Program rules the notice may state:
- A lender that wants the guarantee renewed sends a renewal request before the guarantee expires.
- A claim on this loan must reach the program while the guarantee is in force.
- The program asks the lender to confirm the loan's current balance and payment status.

Open loan 3548

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Granite Slough Bank loan 1266WaitingThe program's guarantee on this loan expires on February 7, 2027. The record shows a guarantee amount of $26,000 and a current guarantee liability of $12,048, as the record held it on September 28, 2026. The loan matures on January 17, 2028, after the guarantee expires.

The program's guarantee on this loan expires on February 7, 2027. The record shows a guarantee amount of $26,000 and a current guarantee liability of $12,048, as the record held it on September 28, 2026. The loan matures on January 17, 2028, after the guarantee expires.

If you want the guarantee renewed, send a renewal request before the guarantee expires. Any claim on this loan must reach the program while the guarantee is in force. The program also asks you to confirm the loan's current balance and payment status before February 7, 2027.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

To
Granite Slough Bank
Re
Ember Kiln Roasters
Status
Passable
Guarantee expires
February 7, 2027, in 111 days
Guarantee
$26,000
Current liability
$12,048, as of September 28, 2026

What the model was given

Lender: Granite Slough Bank.
Guarantee amount: $26,000.
Current guarantee liability: $12,048, as the record held it on September 28, 2026.
The guarantee expires on February 7, 2027.
The loan matures on January 17, 2028.
Program rules the notice may state:
- A lender that wants the guarantee renewed sends a renewal request before the guarantee expires.
- A claim on this loan must reach the program while the guarantee is in force.
- The program asks the lender to confirm the loan's current balance and payment status.

Open loan 1266

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Juniper Landing Bank loan 4013WaitingThe program's guarantee on this loan expires on February 12, 2027. The record shows a guarantee amount of $226,500 and a current guarantee liability of $149,450, as the record held it on September 26, 2026. The loan matures on December 11, 2029, after the guarantee expires.

The program's guarantee on this loan expires on February 12, 2027. The record shows a guarantee amount of $226,500 and a current guarantee liability of $149,450, as the record held it on September 26, 2026. The loan matures on December 11, 2029, after the guarantee expires.

If you want the guarantee renewed, send a renewal request before the guarantee expires. Any claim on this loan must reach the program while the guarantee is in force.

The program asks you to confirm the loan's current balance and payment status.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

To
Juniper Landing Bank
Re
Beacon Electric LLC
Status
Passable
Guarantee expires
February 12, 2027, in 116 days
Guarantee
$226,500
Current liability
$149,450, as of September 26, 2026

What the model was given

Lender: Juniper Landing Bank.
Guarantee amount: $226,500.
Current guarantee liability: $149,450, as the record held it on September 26, 2026.
The guarantee expires on February 12, 2027.
The loan matures on December 11, 2029.
Program rules the notice may state:
- A lender that wants the guarantee renewed sends a renewal request before the guarantee expires.
- A claim on this loan must reach the program while the guarantee is in force.
- The program asks the lender to confirm the loan's current balance and payment status.

Open loan 4013

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Nightjar Financial Partners loan 2WaitingThe program's guarantee on this loan expires on March 2, 2027. The record shows a guarantee amount of $56,500 and a current guarantee liability of $55,119, as the record held it on October 7, 2026. The loan matures on May 19, 2041.

The program's guarantee on this loan expires on March 2, 2027. The record shows a guarantee amount of $56,500 and a current guarantee liability of $55,119, as the record held it on October 7, 2026. The loan matures on May 19, 2041.

Before March 2, 2027, the program asks you to confirm the loan's current balance and payment status. If you want the guarantee renewed, send a renewal request before the guarantee expires. Any claim on this loan must reach the program while the guarantee is in force.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

To
Nightjar Financial Partners
Re
Slough Auto Body
Status
Passable
Guarantee expires
March 2, 2027, in 134 days
Guarantee
$56,500
Current liability
$55,119, as of October 7, 2026

What the model was given

Lender: Nightjar Financial Partners.
Guarantee amount: $56,500.
Current guarantee liability: $55,119, as the record held it on October 7, 2026.
The guarantee expires on March 2, 2027.
The loan matures on May 19, 2041.
Program rules the notice may state:
- A lender that wants the guarantee renewed sends a renewal request before the guarantee expires.
- A claim on this loan must reach the program while the guarantee is in force.
- The program asks the lender to confirm the loan's current balance and payment status.

Open loan 2

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Cedar Fork National Bank loan 2129WaitingThe program's guarantee on this loan expires on March 9, 2027. The record shows a guarantee amount of $12,200 and a current guarantee liability of $1,907, as the record held it on October 10, 2026. The loan matures on May 2, 2027, after the guarantee expires.

The program's guarantee on this loan expires on March 9, 2027. The record shows a guarantee amount of $12,200 and a current guarantee liability of $1,907, as the record held it on October 10, 2026. The loan matures on May 2, 2027, after the guarantee expires.

Before March 9, 2027, the program asks you to confirm the loan's current balance and payment status. If you want the guarantee renewed, send a renewal request before the guarantee expires. Any claim on this loan must reach the program while the guarantee is in force.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

To
Cedar Fork National Bank
Re
Larch Mill Dental Group
Status
Passable
Guarantee expires
March 9, 2027, in 141 days
Guarantee
$12,200
Current liability
$1,907, as of October 10, 2026

What the model was given

Lender: Cedar Fork National Bank.
Guarantee amount: $12,200.
Current guarantee liability: $1,907, as the record held it on October 10, 2026.
The guarantee expires on March 9, 2027.
The loan matures on May 2, 2027.
Program rules the notice may state:
- A lender that wants the guarantee renewed sends a renewal request before the guarantee expires.
- A claim on this loan must reach the program while the guarantee is in force.
- The program asks the lender to confirm the loan's current balance and payment status.

Open loan 2129

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Juniper Landing Bank loan 199WaitingThe program's guarantee on this loan expires on March 18, 2027. The record shows a guarantee amount of $164,800 and a current guarantee liability of $159,742, as the record held it on October 4, 2026. The loan matures on August 6, 2031, after the guarantee expires.

The program's guarantee on this loan expires on March 18, 2027. The record shows a guarantee amount of $164,800 and a current guarantee liability of $159,742, as the record held it on October 4, 2026. The loan matures on August 6, 2031, after the guarantee expires.

Before March 18, 2027, the program asks you to confirm the loan's current balance and payment status. If you want the guarantee renewed, the renewal request must come from you before the guarantee expires. Any claim on this loan must reach the program while the guarantee is in force.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

To
Juniper Landing Bank
Re
Quince Kettle Salon
Status
Passable
Guarantee expires
March 18, 2027, in 150 days
Guarantee
$164,800
Current liability
$159,742, as of October 4, 2026

What the model was given

Lender: Juniper Landing Bank.
Guarantee amount: $164,800.
Current guarantee liability: $159,742, as the record held it on October 4, 2026.
The guarantee expires on March 18, 2027.
The loan matures on August 6, 2031.
Program rules the notice may state:
- A lender that wants the guarantee renewed sends a renewal request before the guarantee expires.
- A claim on this loan must reach the program while the guarantee is in force.
- The program asks the lender to confirm the loan's current balance and payment status.

Open loan 199

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Alta Mesa Community Bank loan 452WaitingThe program's guarantee on this loan expires on March 21, 2027. The record shows a guarantee amount of $27,200 and a current guarantee liability of $11,095, as the record held it on October 9, 2026. The loan matures on November 25, 2027, after the guarantee expires.

The program's guarantee on this loan expires on March 21, 2027. The record shows a guarantee amount of $27,200 and a current guarantee liability of $11,095, as the record held it on October 9, 2026. The loan matures on November 25, 2027, after the guarantee expires.

Before March 21, 2027, the program asks you to confirm the loan's current balance and payment status. If you want the guarantee renewed, send a renewal request before the guarantee expires. Any claim on this loan must reach the program while the guarantee is in force.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

To
Alta Mesa Community Bank
Re
Nettle Rookery Machine Works Inc.
Status
Loan Modification
Guarantee expires
March 21, 2027, in 153 days
Guarantee
$27,200
Current liability
$11,095, as of October 9, 2026

What the model was given

Lender: Alta Mesa Community Bank.
Guarantee amount: $27,200.
Current guarantee liability: $11,095, as the record held it on October 9, 2026.
The guarantee expires on March 21, 2027.
The loan matures on November 25, 2027.
Program rules the notice may state:
- A lender that wants the guarantee renewed sends a renewal request before the guarantee expires.
- A claim on this loan must reach the program while the guarantee is in force.
- The program asks the lender to confirm the loan's current balance and payment status.

Open loan 452

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Baywater Savings Bank loan 3407WaitingThe program's guarantee on this loan expires on March 23, 2027. The record shows a guarantee amount of $13,600 and a current guarantee liability of $11,554, as the record held it on September 28, 2026. The loan matures on August 19, 2032.

The program's guarantee on this loan expires on March 23, 2027. The record shows a guarantee amount of $13,600 and a current guarantee liability of $11,554, as the record held it on September 28, 2026. The loan matures on August 19, 2032.

Before March 23, 2027, the program asks you to confirm the loan's current balance and payment status. If you want the guarantee renewed, send a renewal request before the guarantee expires. A claim on this loan must reach the program while the guarantee is in force.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

To
Baywater Savings Bank
Re
Nutmeg Landing Salon
Status
Passable
Guarantee expires
March 23, 2027, in 155 days
Guarantee
$13,600
Current liability
$11,554, as of September 28, 2026

What the model was given

Lender: Baywater Savings Bank.
Guarantee amount: $13,600.
Current guarantee liability: $11,554, as the record held it on September 28, 2026.
The guarantee expires on March 23, 2027.
The loan matures on August 19, 2032.
Program rules the notice may state:
- A lender that wants the guarantee renewed sends a renewal request before the guarantee expires.
- A claim on this loan must reach the program while the guarantee is in force.
- The program asks the lender to confirm the loan's current balance and payment status.

Open loan 3407

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Foghorn Bay Bank loan 1380WaitingThe program's guarantee on this loan expires on March 26, 2027. The record shows a guarantee amount of $608,000 and a current guarantee liability of $223,756, as the record held it on September 27, 2026. The record also shows that the loan matures on May 29, 2027, after the guarantee expires.

The program's guarantee on this loan expires on March 26, 2027. The record shows a guarantee amount of $608,000 and a current guarantee liability of $223,756, as the record held it on September 27, 2026. The record also shows that the loan matures on May 29, 2027, after the guarantee expires.

Before March 26, 2027, the program asks you to confirm the loan's current balance and payment status. If you want the guarantee renewed, send a renewal request before the guarantee expires. Any claim on this loan must reach the program while the guarantee is in force.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

To
Foghorn Bay Bank
Re
Golden Narrows Packing Enterprises
Status
Passable
Guarantee expires
March 26, 2027, in 158 days
Guarantee
$608,000
Current liability
$223,756, as of September 27, 2026

What the model was given

Lender: Foghorn Bay Bank.
Guarantee amount: $608,000.
Current guarantee liability: $223,756, as the record held it on September 27, 2026.
The guarantee expires on March 26, 2027.
The loan matures on May 29, 2027.
Program rules the notice may state:
- A lender that wants the guarantee renewed sends a renewal request before the guarantee expires.
- A claim on this loan must reach the program while the guarantee is in force.
- The program asks the lender to confirm the loan's current balance and payment status.

Open loan 1380

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Alta Mesa Community Bank loan 230WaitingThe program's guarantee on this loan expires on April 17, 2027. The record shows a guarantee amount of $22,000 and a current guarantee liability of $20,862, as the record held it on October 5, 2026. The loan matures on March 20, 2036.

The program's guarantee on this loan expires on April 17, 2027. The record shows a guarantee amount of $22,000 and a current guarantee liability of $20,862, as the record held it on October 5, 2026. The loan matures on March 20, 2036.

Before the guarantee expires, the program asks you to confirm the loan's current balance and payment status. If you want the guarantee renewed, send a renewal request before April 17, 2027. A claim on this loan must reach the program while the guarantee is in force.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

To
Alta Mesa Community Bank
Re
Cobalt Rookery Cannery
Status
Passable
Guarantee expires
April 17, 2027, in 180 days
Guarantee
$22,000
Current liability
$20,862, as of October 5, 2026

What the model was given

Lender: Alta Mesa Community Bank.
Guarantee amount: $22,000.
Current guarantee liability: $20,862, as the record held it on October 5, 2026.
The guarantee expires on April 17, 2027.
The loan matures on March 20, 2036.
Program rules the notice may state:
- A lender that wants the guarantee renewed sends a renewal request before the guarantee expires.
- A claim on this loan must reach the program while the guarantee is in force.
- The program asks the lender to confirm the loan's current balance and payment status.

Open loan 230

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Data fixes 1

Records a check found wrong. The proposed value comes from the record's own evidence. Zoho is not changed.

Alta Mesa Community Bank loan 4394WaitingThe Closing Date on this loan holds Oct 2, 2027, a future date on a closed loan. The record shows a Guaranty Date of Oct 2, 2026 and a record creation date of Dec 21, 2026. The fix changes the Closing Date to Oct 2, 2026, matching the Guaranty Date.

The Closing Date on this loan holds Oct 2, 2027, a future date on a closed loan. The record shows a Guaranty Date of Oct 2, 2026 and a record creation date of Dec 21, 2026. The fix changes the Closing Date to Oct 2, 2026, matching the Guaranty Date.

Written by claude-opus-5-5; passed 8 checks: plain paragraphs, no list or markup, no personal identifier, no borrower name, every figure is one the record gave, no number spelled out, no dashes, no credit decision or recommendation, no claim that anything was sent, filed or changed.

What code found

Field
Closing Date
In the record
Oct 2, 2027
Proposed
Oct 2, 2026
Closing Date
Oct 2, 2027, a future date on a closed loan
Guaranty Date
Oct 2, 2026
Record created in Zoho
Dec 21, 2026

The record and the fix

Field
Closing Date
On record
2027-10-02
Proposed
2026-10-02

What the model was given

Lender: Alta Mesa Community Bank.
Loan status: Passable.
The record field: Closing Date.
It holds: Oct 2, 2027.
The proposed value: Oct 2, 2026.
Evidence in the record:
- Closing Date: Oct 2, 2027, a future date on a closed loan.
- Guaranty Date: Oct 2, 2026.
- Record created in Zoho: Dec 21, 2026.
What this kind of fix is for: A closed loan cannot close in a future year. The guaranty date carries the same month and day, a decade earlier.

Open loan 4394

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What moved

Highest risk first.

  1. 13was 16Loan 1878 Substandard, Cedar Fork National BankRated Substandard, and this sits in Transportation and Warehousing (NAICS 48), where 15 of 54 finished loans defaulted (28%) against 20% across the program; Cedar Fork National Bank shows 49 of 200 finished loans defaulted (25%).Download proof
  2. 26was 362Loan 1235 Substandard, Elkhorn Basin BankRated Substandard, and Elkhorn Basin Bank carries 10 of 33 finished loans defaulted (30%) against 20% across the program. The Substandard rating was not on last night's list.Download proof
  3. 27was 30Loan 2300 Substandard, Cedar Fork National BankRated Substandard, and Cedar Fork National Bank has 49 of 200 finished loans defaulted (25%) against 20% across the program; the loan matured May 17, 2026 and is still open. Same signals as last night, with the lender's record now weighing heavier.Download proof
  4. 42was 601Loan 1686 Substandard, Baywater Savings BankRated Substandard in Zoho, and Baywater Savings Bank has seen 64 of 243 finished loans default (26%), against 20% across the program. The Substandard rating is new tonight; last night only the lender's record stood out.Download proof
  5. 53was 55Loan 4159 Substandard, Cedar Fork National BankRated Substandard. Cedar Fork National Bank has seen 49 of 200 finished loans default (25%), against 20% across the program.Download proof
  6. 54was 56Loan 1367 Substandard, Cedar Fork National BankRated Substandard, and Cedar Fork National Bank has 49 of 200 finished loans defaulted (25%), against 20% across the program.Download proof
  7. 55was 58Loan 1180 Substandard, Cedar Fork National BankRated Substandard, and Cedar Fork National Bank has 49 of 200 finished loans defaulted (25%), against 20% across the program. No change from last night.Download proof
  8. 56was 59Loan 255 Substandard, Cedar Fork National BankRated Substandard, and Cedar Fork National Bank has 49 of 200 finished loans defaulted (25%), against 20% across the program.Download proof
  9. 57was 60Loan 2517 Substandard, Cedar Fork National BankRated Substandard, and Cedar Fork National Bank has defaulted on 49 of 200 finished loans (25%), against 20% across the program.Download proof
  10. 59was 61Loan 2785 Substandard, Cedar Fork National BankRated Substandard, and Cedar Fork National Bank has 49 of 200 finished loans defaulted (25%), against 20% across the program.Download proof
  11. 60was 62Loan 55 Substandard, Cedar Fork National BankRated Substandard, and Cedar Fork National Bank has 49 of 200 finished loans defaulted (25%), against 20% across the program.Download proof
  12. 63was 64Loan 2649 Substandard, Cedar Fork National BankRated Substandard, and Cedar Fork National Bank has 49 of 200 finished loans defaulted (25%), against 20% across the program.Download proof
  13. 130was 132Loan 2955 Loan Modification, Cedar Fork National BankThe loan is in modification, and Cedar Fork National Bank has 49 of 200 finished loans defaulted (25%) against 20% across the program; it matured on March 4, 2026 and remains open in Zoho.Download proof
  14. 131was 133Loan 1067 Loan Modification, Cedar Fork National BankIn loan modification per Zoho status, with Cedar Fork National Bank showing 49 of 200 finished loans defaulted (25%) against 20% across the program, and the loan matured April 19, 2026 yet remains open.Download proof
  15. 144was 151Loan 3029 Loan Modification, Cedar Fork National BankLoan is in modification, and Cedar Fork National Bank has defaulted on 49 of 200 finished loans (25%) against 20% across the program, with Retail Trade at 26 of 118 (22%).Download proof

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