The infrastructure behind verified loan packages

LoanStandard prepares, verifies, and standardizes loan packages before they reach buyers, warehouse banks, due diligence firms, and capital providers. Built once, trusted by everyone downstream.

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Built for every participant in the loan lifecycle
  • Lenders
  • Aggregators
  • Warehouse Banks
  • Due Diligence
  • Buyers
  • Capital Markets
The problem

Every transaction starts with trust

The secondary market runs on confidence in the file. Today that confidence has to be rebuilt from scratch at every stop in the chain.

  • Every lender prepares loan packages differently.
  • Every warehouse bank has different requirements.
  • Every buyer requests a different set of documents.
  • Every diligence firm builds its own checklist.

The same file gets reorganized, re-verified, and re-taped four or five times before it reaches an investor. The result is weeks of back and forth, inconsistent loan tapes, missing documentation, and funding delays nobody priced in.

LoanStandard creates one verified loan package that every participant in the secondary market can trust.

Today
  • Lender
    Assembles the file its own way
    EMAILDROPBOXEXCEL
  • Warehouse Bank
    Rebuilds it to fund
    MISSING DOCSRE-REQUEST
  • Aggregator
    Rebuilds it to pool
    RENAMERE-SORTNEW TAPE
  • Due Diligence
    Rebuilds it to review
    OWN CHECKLISTEXCEPTIONS XLS
  • Capital Provider
    Still cannot trust it without review
    40+ HOURS PER LOAN, EVERY TIME
VS
With LoanStandard
Verified Loan Package
Warehouse Bank
Buyer
Due Diligence
Capital Provider
  • One workflow instead of five rebuilds
  • One audit trail, end to end
  • One source of truth for the tape
  • One package the secondary market can price
The standard

LoanStandard defines a consistent structure for every loan package

Instead of every party rebuilding the file in their own way, LoanStandard creates a repeatable framework for how RTL loans are organized, verified, and delivered.

01

Organizes every document

Splits closing packages into individual documents, classifies each one, and files them into a standardized structure that looks identical no matter who sent it.

02

Extracts critical loan data

Captures borrower, property, entity, insurance, title, construction, servicing, and collateral information as structured fields tied back to the source page.

03

Applies custom rule sets

Every buyer, warehouse bank, and diligence provider has its own requirements. Encode each one as rules and run them against the file automatically.

04

Verifies every loan

Cross document validation, execution state detection from unsigned through recorded, exception management, readiness scoring, and confidence scoring per field.

05

Generates buyer specific tapes

Produces standardized tapes directly from verified source documents. Every value stays traceable back to the page it came from, with no manual keying.

06

Tracks every detail

A complete audit trail of documents, data points, changes, waivers, and user actions across the entire process, ready for auditors and investors.

Inside the platform
Loan tape

The tape builds itself

Verified data rolls up into a buyer facing loan tape automatically. Loan terms, valuations, comparables analytics, and calculated fields stay in sync with the underlying documents, because they came from them.

  • Generated from verified source documents, not manual entry
  • Comparables and valuation analytics built in
  • Formatted per buyer, secondary market ready on delivery
Exception queue

Your team reviews exceptions, not everything

Instead of reading every page of every file, reviewers work a short prioritized queue: missing documents, unexecuted copies, failed checklist items. Everything else is already cleared.

  • Executed versus draft detection filters out the noise
  • Pre fund QC scoring against your own clear to close rules
  • Clean audit trail with no exception spreadsheets
Built for the secondary market

One standard, from origination through securitization

Lenders
Every takeout partner wants a different package, so the same file gets rebuilt for each one.
Prepare once, deliver complete verified packages to any partner. Pre fund QC catches issues before your buyers do.
Aggregators
Every originator sends a different structure, and pool readiness lives in a spreadsheet.
Standardized collateral from every seller with real time pool readiness and tapes built from verified data.
Warehouse Banks
Funding stalls while missing or mislabeled collateral gets chased down.
Review consistent collateral packages and cut funding delays caused by missing documentation.
Due Diligence
Reviews begin with dozens of hours of organizing before real analysis can start.
Spend less time organizing files and focus on exceptions instead of data gathering.
Capital Providers
Confidence in the collateral requires deep review of every seller's format.
Identical structure from any originator and completeness you can trust before deep review.
Capital Markets
Securitization inherits loan by loan friction from every issuer in the pool.
Build on standardized, verified loan data with greater efficiency across issuers.
Request a demo

See LoanStandard run on your own loan file

Send us a note and we will walk through a real package with you: how it gets classified, what the rules catch, and what comes out the other side.

  • A working demo on a package from your own pipeline
  • Your clear to close checklist encoded as rules
  • A look at the tape and exception queue with your data
  • Packages that leave your desk secondary market ready