Thank you! Will look into that! They do indeed expect a file. That is why I was hoping there was a way to simply write the file data to memory. Theoretically, it's possible to wrap the data output by AVAudioConverter in the appropriate headers but that's a fairly deep rabbit hole I spent a few hours going down without being able to produce a functioning m4a file.
I did not know about hdiutil and will look into this. A RAM disk would probably work!