Screen a Loan Tape Before You Bid.
Upload a loan tape and screen every loan for balance integrity, lien position, statute-of-limitations exposure, maturity and bankruptcy or foreclosure indicators. Confirm the column mapping first, then trace every finding back to its source cell.
Loan tape screen
Fixed rules
Sample pool, screened
Five checks, each finding tied to its cell
- Balance integrity
- Flagged
- Lien position
- Passed
- Statute of limitations
- Unknown
- Legal status
- Skipped
2 loans with no readable balance
Lien position clear on every loan
Period not verified for the state
Required column was not mapped
A skipped check is reported, never guessed.
Illustrative example of a Deal Lens screen.
Up to 1,000 Loans
Files up to 10 MB per tape.
5 Fixed Screening Checks
Defined rules, not a model score.
Source-Cell Traceability
Every finding points to the cell it came from.
CSV & Excel Support
.xlsx, .xls or .csv, in any column layout.
A Screening Layer Before Full Diligence
A loan tape can tell a buyer what the seller says is in the pool. The first question is whether the data contains issues that should change the next diligence step.
Deal Lens provides a fixed-rule screen before deeper file-level work. It does not replace title, legal, underwriting or investment diligence; it helps identify which loans deserve closer attention.
How the Screening Workflow Works
01
Upload the tape
Drop in a CSV or Excel file in any column layout, with the header row wherever it happens to be. Files up to 10 MB and 1,000 loans.
02
Confirm the columns
Every column is mapped and shown before screening. Nothing is screened until you confirm the mapping; a check whose column cannot be mapped is reported as skipped, not run against a guess.
03
Run the five checks
Deal Lens applies the fixed rules to every loan for which the required data is available.
04
Read the findings
Each flagged loan points back to the exact source cell, so the finding can be checked against the uploaded tape.
05
Add property data
Pull property values, rents and public-record details for the pool, and open an individual loan for closer review.
The Five Checks
Each check needs specific columns. If one of them was not mapped, that check is reported as skipped.
Balance Integrity
Flags loans with a missing or zero balance.
Lien Position
Flags loans whose lien position is unclear on the tape.
Statute of Limitations
Screens each loan against the available state limitation period. Where a state’s period has not yet been verified, exposure is reported as unknown rather than assessed.
Matured Loans
Flags loans that are past their maturity date.
Bankruptcy or Foreclosure Indicators
Flags legal-status entries that contain bankruptcy or foreclosure terms, such as a notice of default.
Rules You Can Inspect. Findings You Can Trace.
Every check has a defined input and a defined outcome. When the required data is missing, Deal Lens tells you the check was skipped instead of silently filling the gap.
The five checks are fixed rules, not an AI prediction or a model score, which makes the screen easier to understand and to audit.
From Portfolio Screening to Secondary-Market Diligence
When the screen surfaces exceptions, the next step is deeper secondary-market diligence. Scalance Secondary Market Support covers NPL and RPL portfolio title chains, collateral inventory, assignment reviews, note/mortgage/assignment consistency, spreadsheet-to-document validation, title exception reports, pre-purchase exception tracking and post-acquisition curative.
Screening, Not a Legal Conclusion
A flagged bankruptcy or foreclosure indicator is not itself a legal conclusion. A statute-of-limitations result is an initial screen against the available state limitation information, not a legal opinion on enforceability.
Lien-position screening is not a substitute for title examination or recorded-document review. Scalance’s investor diligence verifies lien position, chain of title, assignments and collateral documentation.