The file
Files submission-ready before the lock runs out.
Every file is a race between the stips and the rate lock. WagonWorks keeps score in the Microsoft 365 tenant your shop already runs on — what's missing, who owes it, which conditions are still open — and a borrower's pay stubs and bank statements never leave it to be read.
What it does for the file.
Mortgage brokerages
A claim was only as good as the paperwork filed before the deadline, and the frontier was full of people who lost ground on a technicality. A loan file is that, with a rate lock for a deadline: the borrower's whole financial life, assembled correctly, in time, or the terms change underneath them.
It keeps every file honest about where it stands. Which documents are still outstanding, and whether the borrower, the employer, or the title company owes the next move. Which conditions cleared and which are aging toward the lock. Which file has gone three days without motion while everyone assumed someone else was chasing it — in the tenant the shop already runs on, so a borrower's pay stubs are never handed to a vendor's model.
Lenders, systems, and submission habits differ shop to shop, so the pipeline is fitted around how your processors actually work a file. Constant across every shop: the borrower's file never becomes training data for anyone else, and it never leaves the building.
Where this connects.
A loan file and a title order are the same transaction seen from two desks, and both die the same death — a curative item or a missing condition found too late, with everyone already at the table.
Or take in the whole map at the territories.
Next step
Talk to us about your pipeline.
Tell us about the last file that nearly missed its lock, step by step. The build is aimed at exactly that file.