How to Submit a Clean File to Your Processor
The fastest way to close more loans is to submit clean files. A clean file submission means every document is present, legible, and organized — so your processor can move straight to underwriting instead of chasing missing items.
Frequently Asked Questions
What is the most common reason a file gets kicked back from processing?
Missing or incomplete income documentation — W-2s without employer name, tax returns with missing schedules, or self-employment files without a CPA letter. CTC's submission checklist prevents 90% of kickbacks.
How should I organize documents before submitting to my processor?
Use a consistent stacking order: 1003 → credit report → income docs → asset docs → property docs → disclosures. CTC accepts files in any order but a consistent stack speeds up the intake review.
Should I pre-condition my own file before sending it to processing?
Yes — LOs who review their own files before submission catch 30–40% of common conditions before they become underwriting stips. CTC's pre-submission checklist is available for all LO partners.
Put this into practice.
CTC handles the file so you can stay in front of borrowers and Realtors.