Post-Closing Defect Rate by File Type

Key finding

A defect count without the sample frame is not a quality measure. Report the file type, the document group, and the correction owner.

Question and scope

Which defects appear after closing, and do they concentrate in particular file types or document groups?

The scope is the closing file and the records the team can observe in a defined window. It does not estimate an industry defect rate or a causal effect.

Population and unit

Closed files audited in a defined quarter, sampled across purchase, refinance, and exception-heavy transactions.

The unit is one file, disclosure, condition, or disbursement event. Linked events are recorded separately so a correction is not counted as an independent success.

Definitions and measures

Defect rate by document group, correction time, recording delays, missing signatures, and repeat defects after correction.

Define the window and the evidence standard before the sample begins. A count without its denominator and source is not a measure.

Where the record fails

The same missing page or date can appear across files when the checklist owner is implicit and the reviewer samples only clean files.

A failure needs a reason code, a next owner, and a recheck date. Silence is not a disposition.

Worked example

A defect count without the sample frame is not a quality measure. Report the file type, the document group, and the correction owner.

The numbers are illustrative. The value is the stage split, which shows whether the delay belongs to preparation, review, the destination, or the closing calendar.

Evidence and limits

Public guidance can frame the questions but cannot prove a local result. Samples may exclude untracked files, offline corrections, or records that never reached the closing system.

Record the sample frame, extraction time, and fields that were unavailable so a later reviewer can see what the study could and could not observe.

Practical use

Change one controlled element at a time: the intake field, the owner, the review cadence, or the stop rule. Recheck the same measure after two cycles and keep the original record.

A defect count without the sample frame is not a quality measure. Report the file type, the document group, and the correction owner.

Question and scope

Population and unit

Definitions and measures

Where the record fails

Worked example

Evidence and limits

Practical use

Sources