---
title: "How to Sync Loan Data"
description: "Learn how to set up loan feeds to track mortgage, auto loan, and other liability balances."
section: "Bank feeds"
canonical: "https://banksync.io/docs/bank-feeds/sync-loans"
---

Loan feeds track your liability balances including mortgages, auto loans, student loans, and credit lines. Monitor your debt paydown progress and include liabilities in your net worth calculations.

- **Mortgages** — Home loan balances
- **Auto Loans** — Vehicle financing
- **Student Loans** — Education debt
- **Credit Lines** — HELOC and personal lines

[![Choosing a feed's data type in the source step: a credit-card account offering Transactions, Balances and Loans, and a brokerage offering Trades, Holdings and Orders, with each type mapping its own fields.](https://cdn.banksync.io/videos/feed-data-types.poster.aab068ddd35cd6f7.png)](https://cdn.banksync.io/videos/feed-data-types.74f141571e05bb47.mp4)

[Watch: Choosing a feed's data type in the source step: a credit-card account offering Transactions, Balances and Loans, and a brokerage offering Trades, Holdings and Orders, with each type mapping its own fields.](https://cdn.banksync.io/videos/feed-data-types.74f141571e05bb47.mp4)

## Loan Data Fields

- **Balance** — Current loan balance
- **Original Amount** — Initial loan amount
- **Interest Rate** — Current APR
- **Payment** — Monthly payment
- **Due Date** — Next payment due
- **Loan Type** — Mortgage, auto, etc.
- **Lender** — Institution name
- **Term End** — Loan maturity date

> **Field availability varies by lender:** Lenders report different levels of detail. Balance is broadly available, but fields like interest rate, payment amount, or term end can be empty if the institution doesn't share them.

## Append vs. Overwrite

Loan data is point-in-time, like balances: each sync captures the loan's state as it is right now, and history cannot be backfilled. Choose how each sync is written in the **Mapping** tab:

- **Append** — Adds a new timestamped row per loan each sync. This is how you build a paydown history: a steady
  record of the balance shrinking sync after sync.
- **Overwrite** — Updates the same rows in place, keeping only current values. Best for net worth dashboards that
  need current liability totals.

![The Mapping tab balance mode selection cards for a point-in-time feed: Append, which adds a new timestamped row each sync, selected, and Overwrite, which updates the same rows in place.](https://cdn.banksync.io/screenshots/feeds/balance-modes.b9a90a6cedba53a9.png "Loans use the same Append/Overwrite choice as balances: Append builds a paydown history.")

## Setting Up a Loan Feed

**Setup Steps**

1. **Connect your lender** — Go to the Banks tab and connect the institution that holds your loan.
2. **Create a loan feed** — Click Create Feed and select 'Loans' as the feed type in the Sources tab.
3. **Select loan accounts** — Choose which loan accounts to track.
4. **Choose Append or Overwrite** — Use Append to track paydown progress over time, Overwrite for a current-state dashboard.
5. **Pick an integration and map fields** — In the Destination tab, choose which integration receives the data, then map loan fields to
   the columns in your sheet or table.
6. **Set a schedule** — Weekly usually matches how often loan balances change, and it is available on every plan.

## What happens on each sync

- **First sync**: one row per selected loan is written with its current state.
- **Subsequent syncs**: Append adds a fresh row per loan each run; Overwrite refreshes the existing rows.
- **Cadence sets your history's resolution**: loan balances typically change once a month (when a payment posts), so a weekly Append feed captures every payment without cluttering your sheet.

## Common Use Cases

- **Debt Payoff Tracking** — Visualize your debt reduction progress over time
- **Net Worth Calculation** — Include liabilities in your complete financial picture
- **Payment Scheduling** — Track due dates and payment amounts

> **Paydown history with Append:** 'For debt payoff tracking, schedule weekly syncs with Append mode. The rows that land just after your payment date show the new balance, creating a satisfying visual record of your progress as balances decrease.'

## Related guides

- [How to Sync Balance Data](/docs/bank-feeds/sync-balances): track asset balances for the other half of net worth
- [Setting Up Scheduled Feeds](/docs/bank-feeds/scheduling-feeds): cadences, UTC timing, and plan gating
- [Configuring Field Mappings](/docs/bank-feeds/field-mappings): full reference for the Mapping tab, including Append and Overwrite
- [Connecting Banks](/docs/connecting-banks/connect-a-bank): link the institutions that hold your loans

[Track Account Balances](/docs/bank-feeds/sync-balances)