A loan tape is the summary dataset that describes a loan or a pool of loans for evaluation or sale — balance, rate, maturity, status, lien position, collateral, and performance. It is the first thing a buyer reviews to price a credit.
A complete, accurate loan tape lets a buyer price for reality up front and hold the bid firm, shortening diligence and reducing re-trade risk. See the loan-tape checklist.
Why credits like this reach a workout desk: bank noncurrent commercial real-estate loans have risen while reserve coverage slips at community banks (FDIC Quarterly Banking Profile), and roughly $957 billion of commercial and multifamily mortgage debt was scheduled to mature in 2025 — against a total market of about $4.8–5.0 trillion, ~38% of it held by banks and thrifts (Mortgage Bankers Association). See the CRE distress statistics hub for the full figures and sources.
Primary sources: FDIC Quarterly Banking Profile, Mortgage Bankers Association, and interagency (FDIC / OCC / Federal Reserve) guidance on CRE loan accommodations and workouts. Figures are directional and updated periodically; confirm the latest release before relying on a specific number.
Unpaid principal balance, rate terms, maturity, lien position, property type and location, valuation, performance status, and income — see the full checklist.
An organized summary of these fields, shared under NDA, is enough — a buyer works from what you already hold.
Yes — a direct sale is principal-to-principal under NDA, with no public marketing.