Multimodal document retrieval--selecting the most relevant multimodal document from a large corpus to answer a natural language query--plays an essential role in Retrieval-Augmented Generation (RAG) systems. State-of-the-art methods represent each document and query with multiple token-level embeddings and use late interaction to achieve high effectiveness. However, such multi-vector representations incur substantial memory overhead during retrieval, leading to poor scalability and hindering real-world deployment. In this paper, we present Stellar, a scalable multimodal document retrieval framework that stores token-level document embeddings on disk and loads only a small set of candidate embeddings into memory for late interaction. Stellar comprises two key components: (i) Lexical Representation-based Filtering (LRF), which fine-tunes a Multimodal Large Language Model (MLLM) as a sparse encoder to produce high-quality lexical representations, enabling efficient and effective document filtering to significantly reduce the candidate set; (ii) Efficient Disk-backed Late Interaction (DLI), which designs an on-disk token embedding storage layout guided by a balanced clustering algorithm, and dynamically loads only the necessary token embeddings into memory using a simple yet effective cost model. Extensive experiments on four real-world benchmarks and a newly presented large-scale dataset demonstrate that Stellar reduces memory overhead and query latency by 1-2 orders of magnitude compared to existing methods without compromising retrieval effectiveness.

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