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Lending technology

Loan tape automation

Building a loan tape for your next sale or diligence request means three days of a senior analyst's time pulling and reformatting data by hand. We automate the pull.

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Sketch: loan documents pooling into a securitization structure

What is a loan tape?

A loan tape is the loan-level data file behind every securitization, sale, or diligence process. Codiot automates tape generation so it's always current, clean, and mapped to the buyer's template, instead of rebuilt from scratch under deadline pressure every time.
The moment you're probably in

You'll recognize one of these.

The three-day scramble

A buyer requests a tape, and your best analyst disappears for three days pulling data from four different systems by hand.

The template mismatch

Every buyer wants the data in a slightly different format, so each tape request means reformatting from zero.

The stale snapshot

By the time the tape is assembled and reviewed, the underlying loan data has already changed.

What we build

A loan tape, end to end.

Sketch: loan documents pooling into a securitization structure
ExtractValidateMapDeliver

Automated data extraction

Loan-level data pulled directly from your LOS and LMS, not manually exported and stitched together.

Validation rules

Data quality checks run automatically, catching gaps before a buyer does.

Template mapping

Tapes generated in the specific format each buyer or rating agency requires.

Scheduled generation

Tapes refreshed on a schedule, so a request doesn't trigger a fire drill.

Audit trail

A record of what data went into every tape and when, for diligence defensibility.

Secure delivery

Tapes delivered through a controlled, logged channel instead of email attachments.

Systems we speak

Your stack, not our preferences.

PythonSnowflakeAWSEncompass
FAQ

Common questions, answered plainly.

What is a loan tape?
A loan tape is the loan-level data file behind every securitization, loan sale, or diligence process, used by buyers and rating agencies to evaluate a pool of loans.
How much does loan tape automation cost?
It depends on the number of source systems and buyer template formats involved. We quote a fixed scope after seeing your current tape process.
Can this handle multiple buyer templates?
Yes, template mapping is built to generate the same underlying data in whatever format a specific buyer or rating agency requires.
How does this improve data accuracy?
Automated validation catches data quality issues before delivery, rather than a buyer finding them during diligence.
How long does implementation take?
A focused first release covering your most common tape request typically ships in 8-10 weeks.
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