THREAD PORTFOLIO DATA ROOM ENGINE

System Architecture | November 2025 Build | PorchPass LLC

Workbook Statistics
226,186
formulas
Sheets
20
20 tabs
Cells w/ Data
526,545
per workbook
Formulas
226,186
per workbook
Active Loans
203
202 active
Portfolio UPB
$23.5M
Thread
FY Total
2,714,232
12 months + rollup
LAYER 1: RAW DATA INGESTION
7 Primary Data Sources
7 components | 119,484 formulas
Thread
2,768 rows
15,986
formulas
Thread
Thread Bank collections by lender - transaction-level payment data
Rows: 2,768
Cells: 39,862
Formulas: 15,986
PorchPass
2,768 rows
8,665
formulas
PorchPass
PorchPass collections by lender - internal transaction data
Rows: 2,768
Cells: 15,644
Formulas: 8,665
TPB
7,078 rows
49,489
formulas
TPB
TransPecos Banks SSB - bank partner transaction data
Rows: 7,078
Cells: 129,644
Formulas: 49,489
All Transactions
11,270 rows
45,052
formulas
All Transactions
Unified loan activity by date range - all payment transactions
Rows: 11,270
Cells: 180,230
Formulas: 45,052
Loan Accounting
204 rows
202
formulas
Loan Accounting
Internal master loan tape - loan origination & portfolio data
Rows: 204
Cells: 7,243
Formulas: 202
Thread Bundle
46 rows
90
formulas
Thread Bundle
January 2025 loan sale bundle - deal-specific loan data
Rows: 46
Cells: 690
Formulas: 90
PDD (Madison)
207 rows
0
formulas
PDD (Madison)
Portfolio Data Download from Madison - servicer records (raw import)
Rows: 207
Cells: 11,315
Formulas: 0
LAYER 2: DATA TRANSFORMATION & VALIDATION
ETL Engine + Quality Assurance
5 components | 100,032 formulas
Loan Sale Data
212 rows
11,134
formulas
Loan Sale Data
PRIMARY OUTPUT - 70-field investor loan tape with ACTUALS (Cols AY:BD)
Rows: 212
Cells: 12,563
Formulas: 11,134
Trial Balance
203 rows
10,504
formulas
Trial Balance
Month-end trial balance with 33+ validation columns
Rows: 203
Cells: 10,561
Formulas: 10,504
Robot v2
2,999 rows
77,079
formulas
Robot v2
Validation & normalization engine - 24 source attribution columns, AI/ML loan matching
Rows: 2,999
Cells: 108,843
Formulas: 77,079
QA Dashboard
930 rows
145
formulas
QA Dashboard
Transaction-specific QC - business rules, sanity checks, flags
Rows: 930
Cells: 306
Formulas: 145
Loan_Sale_Data_Validation
46 rows
1,170
formulas
Loan_Sale_Data_Validation
3-Layer validation framework - 18 checks per loan
Rows: 46
Cells: 1,242
Formulas: 1,170
LAYER 3: ANALYTICS & REPORTING ENGINE
Investor-Grade Portfolio Analytics
3 components | 816 formulas
MIAC Analytics
710 rows
547
formulas
MIAC Analytics
PRIMARY ANALYTICS - Credit tier, land type, rate bands, weighted averages
Rows: 710
Cells: 984
Formulas: 547
Servicing Dashboard
833 rows
171
formulas
Servicing Dashboard
Operational metrics - MoM comparison, cash flow, DPD analysis
Rows: 833
Cells: 364
Formulas: 171
Visual Dashboard
39 rows
98
formulas
Visual Dashboard
Chart-ready data for visual reporting outputs
Rows: 39
Cells: 145
Formulas: 98
LAYER 4: DATABASE PROXY & CONFIG
Time-Series Storage & Parameters
2 components | 501 formulas
Historical_Metrics
132 rows
472
formulas
Historical_Metrics
DATABASE PROXY - Monthly metrics table (Rows 26-42), paste-values storage
Rows: 132
Cells: 736
Formulas: 472
Config
166 rows
29
formulas
Config
Central control - Report period, thresholds, business rules, land types
Rows: 166
Cells: 365
Formulas: 29
Critical Data Flows
Thread/PorchPass/TPB → Loan Sale Data (AY:BD) (ACTUALS aggregation via SUMIFS/COUNTIFS)
All Transactions → Loan Sale Data (L,M,U) (last_payment_date, last_payment_due, last_payment_interest)
Loan Accounting → Robot v2 + Loan Sale Data (Master loan details, cross-reference validation)
Loan Sale Data → Trial Balance (UPB reconciliation, amortization validation)
Loan Sale Data + Trial Balance → MIAC Analytics (Portfolio segmentation, investor metrics)
MIAC Analytics → Historical_Metrics (Monthly capture → paste values for storage)
Raw Data Ingestion
Transformation & Validation
Analytics & Reporting
Database & Config
PorchPass LLC | NMLS #2489505 | Confidential