Indexing & stacking,in the right order.

Where indexing and stacking fit

Once a loan closes, its file starts a second life. It is reviewed in post-close QC, boarded onto a servicing system, shipped to an investor or custodian, and pulled again for audits, repurchase requests and borrower questions. Every one of those steps is faster when the file is complete, labelled and in a predictable order.

Indexing is the labelling: identifying each document and tagging it by type, date and borrower. Stacking is the ordering: arranging those documents in the sequence a lender or investor expects to see them.

A well-stacked file answers questions before anyone has to ask them.

What goes wrong without it

Closing packages are often scanned in one pass, in whatever order the pages were signed. The result is a single long PDF with no bookmarks, no names and no way to tell at a glance whether the note, the rider or the final Closing Disclosure is there. Reviewers spend their time hunting for pages instead of checking them. Investors return files for missing or out-of-order documents. Months later, an auditor asks for one affidavit and someone pages through four hundred images to find it.

How our process prevents it

Our team splits each package into individual documents and indexes every one by type. We then stack the file to the client’s own checklist — whether that is a lender’s shipping order, an investor’s delivery requirements or a custodian’s collateral list. As we stack, we compare the file against that checklist and flag anything missing, duplicated, unsigned or illegible, so your team can resolve it before the file moves on.

The finished file is named to your conventions, bookmarked by document and uploaded to your document management or loan platform.

Consistent at any volume

Because every file follows the same rules, your reviewers, QC staff and shipping team know exactly where to look. And because our team works 24/7, month-end and quarter-end spikes in closed files don’t turn into weeks of backlog.