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Solutions | Quality Control

Innovative quality control

Manage mortgage credit risk, control costs, and gain real time visibility into loan quality with tech-enabled mortgage QC services, powered by AuditGenius. Indecomm’s mortgage quality control and mortgage compliance audits reduces risk.
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Quality Control

Meticulous loan reviews

Whether you are a lender, servicer, or investor, Indecomm provides in-depth and meticulous mortgage quality control services at the loan level, keeping you in-the-know on risks related to credit, compliance, and collateral.

Innovative mortgage quality control

Indecomm’s mortgage QC solutions give you the advantage of expert reviews, the option to leverage AuditGenius technology, or the optimal combination of both mortgage talent and tech. Whether you seek a more tech-enabled risk management approach or require objective, third-party loan reviews, Indecomm provides timely, accurate, and transparent mortgage QC solutions.

Our comprehensive technology and talent

  • Covers mortgage pre-fund, post-close, servicing, and secondary market review
  • Adheres to agency regulatory requirements and investor overlays
  • Reviews conventional, FHA, VA, USDA, HECM, and non-conforming products
  • Reviews loans for Fannie Mae compliance requirements

Mortgage quality control + intelligent analysis

Indecomm’s mortgage quality control solutions don’t rely exclusively on human analysis. Our experienced review staff has access to Indecomm’s proprietary loan review and audit technology, AuditGenius, accelerating the quality and speed of mortgage reviews. This is mortgage risk management done right.

Improve pull-through rates

Ensure your loans meet eligibility and insurability requirements, and data and documents are accurate and aligned

Drive QC process efficiency

Streamline and accelerate top-quality loan reviews with mortgage QC automation and tech-enabled services

Power loan performance

Improve loan salability and reduce repurchase risk that can occur from critical defects

Mitigate business risk

Proactively capture loan risk and prevent the occurrence of state and federal violations and reputation damage

Mortgage risk management solutions at every step

Indecomm’s tech-enabled mortgage quality control solutions and compliance audits drive confidence and transparency at every step. Mitigate mortgage risk and reduce repurchases with mortgage QC automation, QC outsourcing, and comprehensive loan reviews and reporting.

Pre-fund mortgage QC

  • Data integrity assessment in your AUS
  • Mortgage underwriting and eligibility accuracy
  • 24-hour service level agreement for mortgage quality control reviews
  • Comprehensive reporting on mortgage quality, QC trends, and loan defect ratings
  • Data and document review
  • Mortgage compliance audit
  • Ability to prioritize loans in the audit pipeline
  • Automated delivery of final audit scorecards
  • Review of rebuttals and missing docs to cure findings
  • Industry-leading turnaround times for mortgage quality control services
  • Efficient and optimized loan audits and mortgage QC leveraging AuditGenius Saas and mortgage qc automation

Tech-enablers

AuditGenius®

Simplify mortgage portfolio risk management, streamline mortgage QC and compliance, and lower origination costs with intelligent audit technology and SaaS

Post-close QC loan reviews

  • Post-closing, early payment default, and denied/withdrawn loan audits
  • Random, discretionary, and targeted mortgage loan reviews
  • Random sampling or statistical sampling options include selection stratification across loan type, channel, branch, occupancy, etc.
  • Review of income, assets, data, documentation, and appraisal to determine if the loan meets underwriting/eligibility guidelines.
  • All required re-verification, including applicable field reviews, are ordered along with necessary follow-ups
  • Review of partner rebuttals and missing docs to cure findings
  • A comprehensive suite of mortgage QC reporting to track quality, trends, and defect ratings

Tech-enablers

AuditGenius®

Simplify mortgage portfolio risk management, streamline mortgage QC and compliance, and lower origination costs with intelligent audit technology and SaaS

Servicing QC

  • Loan reviews include performing and non-performing
  • Mortgage servicing QC review types include: payment processing, credit reporting, escrow, insurance, loan payoffs, loss mitigation, COVID-19 assistance programs, bankruptcy, foreclosure, and collections
  • Identify missing documents critical to mortgage servicing success such as tax, mortgage insurance, mortgage notes, pay histories, letters, statements, notices, and disclosures
  • Meets requirements of Fannie Mae, Freddie Mac, FHA, VA, and RHS
  • Evaluates compliance with federal mortgage servicing statutes such as CFPB, TILA-RESPA, FDCPA, ECOA, FCRA, SCRA
  • Determines adherence with program-specific servicing requirement
  • Reviews MERS servicing procedures compliance
  • Get real-time visibility of your loans as they move through the process
  • Access to a robust suite of real-time reporting and business intelligence

Tech-enablers

AuditGenius®

Simplify mortgage portfolio risk management, streamline mortgage QC and compliance, and lower origination costs with intelligent audit technology and SaaS

DocGenius™

Gain a 360° view of mortgage trailing document risks, processes, timelines, and performance with an interactive document management system

Mortgage due diligence

  • Approved third-party review firm (TPR) by DBRS and reviewed and accepted by Moody’s
  • Provide due diligence on underlying assets and mortgage-backed security to inform loan-level, portfolio, and transaction decisions
  • Analyze a range of asset types including performing, non-performing, non-QM, conforming, fix and flip, scratch and dent, jumbo, and HELOC
  • Evaluate credit, collateral, compliance, data integrity, and property valuation
  • Analysis of servicing pay histories, reps and warrants, data, and documentation
  • Custom due diligence and reporting based on client requirements
  • Mortgage compliance audit: Assess loans for fraud and compliance

Tech-enablers

AuditGenius®

Simplify mortgage portfolio risk management, streamline mortgage QC and compliance, and lower origination costs with intelligent audit technology and SaaS

Related Case Studies

Case Study

Pre-funding Underwriting Audit

A mid-size regional lender recently experienced a series of mergers and acquisitions and found different levels of competency in their merged underwriting staff. Indecomm implemented a pre-funding underwriting review to identify opportunities for improvement.
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Case Study

Delivering post-close QC efficiency

A leading vendor management client had an immediate need to reduce overhead and staffing costs. Indecomm put in place a team of contract auditors to manage volume fluctuations, allowing the client to attain a low variable cost per order vs. a high fixed cost.
Read More
Case Study

Automated Loan Document Comparison

Learn how a top 5 lender leveraged Indecomm's automated loan estimate & closing disclosure comparison to execute assignments.
Read More

Related Resources

Check out Indecomm's new Automated MERS Audit. Simplify MERS compliance today.
Simplify Your Compliance with Indecomm’s Automated MERS Audit Solution
By focusing on efficiency, accuracy, and ease of use, Indecomm's Automated MERS Audit solution is an indispensable tool for lenders looking to streamline their compliance efforts. With this blog, you
Read More
Blog: Meeting the Rising Demand for Mortgage QC Resources
Meeting the Rising Demand for Mortgage QC Resources
Without adequate support, staying abreast of guideline changes, best practices in loan review, and ensuring compliance with new requirements becomes increasingly challenging, leaving mortgage companies vulnerable to fines and penalties.
Read More

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