Indexing Manager
Indexes every servicing document — the boarded image file, mail, fax and borrower uploads — to its loan, and routes each to the desk that owns it.
Every letter, fax and upload is matched to its loan, classified and routed to the desk that owns it — and the ones that start a Regulation X clock are routed the day they land.
What it displaces
The mailroom backlog, and the notice of error that sat unindexed while its Reg X clock ran.
An image file searchable by loan and document type, and every time-bound letter on the right desk the day it arrives.
What it does
- 01
Indexes the prior servicer’s imaged file at boarding, document by document, against the loan it belongs to
- 02
Reads every inbound letter, fax, email and upload, matches it to its loan, and classifies it — insurance declaration, tax bill, payoff request, hardship package, bankruptcy notice
- 03
Recognises the documents that start a clock — a qualified written request, a notice of error, a loss mitigation application — and routes them the day they land
- 04
Files trailing documents, such as the recorded mortgage and the final title policy, to the collateral file and marks them received
What it leaves behind
- Hazard insurance declarationEscrowloan matched · p.1
- Payoff request, title companyPayoffsfax p.1
- Notice of error — clock started on receiptrouted today§1024.35
- Recorded mortgage, trailing documentCollateral filerecorder stamp p.1
Every document matched to its loan · the letters that start a Reg X clock routed the day they land
Human-in-the-loop
No guesswork. Exceptions routed to humans
A document it cannot match to a loan, or classify above its confidence floor, goes to your correspondence team named, with the page and the likeliest matches. Anything that may be a qualified written request or a notice of error is routed as one, never parked.
How a decision is made and provedWhat it runs on
1 of 3- Document Intelligence
Intake, income, condition clearing, Closing Disclosure and QC on every loan
- Intake
- Income Desk
- Clear-to-Close
- Closing Desk
- QC Desk
The rest of the servicing side
All 9 servicing desks- 01Loan Boarding AgentCatches boarding defects before the first statement.
- 03Escrow ManagerAnalysis, shortages, and the explanation that is borrower-friendly.
- 04Collections AgentEarly-stage delinquency, compliant with Reg F and TCPA.
- 05Default Management DeskSixty days and beyond, with the timelines held.
- 06Loss Mitigation AgentComplete packages, evaluated inside the Reg X clock.
- 07Claims AnalystThe claim package, read and reconciled for review.
- 08Payoffs ManagerQuotes, good-through dates and the release clock.
- 09Compliance ManagerEvery servicing call and letter scored.
You Ain't Seen Nothin' Yet
Book a Demo
Pack up some of your complex historical files — any loan type, any investor. We run them through intake, income and condition clearing, and in 30 minutes you see every condition we created and cleared efficiently for your own team, and why.
- Any loan type, any agency guideline or custom investor overlays.
- Every finding cited to the guideline or document it came from
Case study highlight
Loan review fell from 4 hours 50 minutes to 47 minutes per file, and 78% of items now clear at high confidence — so QC touches only the exceptions.
Pre-Close QC Agent · Better Mortgage— read the case study