Key finding
How much time passes between disclosure delivery and closing? The finding is operational and does not establish a legal conclusion.
Question and scope
How much time passes between disclosure delivery and closing? The scope is the documented closing record in a defined window.
Population and unit
Closings in a defined month, sampled by loan type. The unit is one file, disclosure, wire request, package, or exception.
Definitions and measures
Delivery time, receipt evidence, closing date, and rework. Freeze the window and evidence standard before sampling.
Where the record fails
Delivery evidence is missing when the channel is a shared inbox. Record the reason, owner, and recheck date.
Worked example
A file closes three days after delivery, but the receipt is not in the record. The numbers are illustrative; the stage split is the useful part.
Operational use and limits
Report unresolved items and limitations beside the finding. The result supports one decision and a recheck date.