Quality Control & Audit
In today’s highly regulated mortgage industry, quality control isn’t just a compliance requirement it’s a business advantage. By proactively evaluating loans, processes, and operations, lenders can close more loans, improve efficiency, and reduce transaction risks. Usher Technologies Private Limited delivers end-to-end Quality Control (QC) and Audit solutions to help mortgage lenders and servicers capture defects, identify root causes, and implement corrective actions across every stage of the mortgage life cycle.
Why Mortgage Quality Control Matters
Regulators and agencies mandate QC, but the benefits go far beyond compliance.Our services help you: ✅ Meet agency, regulator & investor guidelines with confidence ✅ Accelerate loan acquisition & improve salability for secondary markets ✅ Reduce repurchase or “buy-back” risk ✅ Lower internal QC overhead costs ✅ Detect defects early and pinpoint trends and root causes ✅ Optimize people, processes, and technology for long-term successComprehensive Mortgage QC & Audit Services
Our experienced mortgage QC specialists combine regulatory expertise with deep industry knowledge to keep your operations compliant and efficient. We review origination and servicing processes for a wide range of loan types, including GSE, FHA, Conventional, Home Equity, and Reverse Mortgages. Whether you need turn-key QC oversight or monthly portfolio reviews, we provide flexible, scalable solutions.
Catch defects before funding to improve data integrity and underwriting accuracy. Our pre-fund QC services include:
- Detailed loan sampling aligned with agency requirements
- Validation, recalculation, and re-verification of key metrics (DTI, LTV, income, assets, credit)
- Full review of transaction details and closing documentation
- Fast, actionable findings and reports to maintain funding timelines
Ensure compliance with Ginnie Mae, GSE, and investor guidelines while preparing loans for the secondary market. Our post-close QC services:
- Provide comprehensive random, targeted, and discretionary loan sampling
- Analyze loan file integrity and data accuracy
- Re-verify appraisals, income, assets, fraud indicators, and documentation
- Refresh credit reports and recalculate key credit decisions
- Review property valuations for compliance with Fannie Mae & Freddie Mac HVCC standards
- Flag potential fraud and deliver detailed findings with optional ongoing QC fulfillment
Protect your portfolio and maintain compliance with HUD, FHA, and GSE Loan Quality Initiative (LQI) standards. Our servicing QC includes:
- Verification of documentation, escrow handling, and data accuracy
- Evaluation of delinquent, default, bankruptcy, and loss mitigation loans
- Fair lending compliance checks
- Mortgage insurance premium payment reviews
Our operational audits go beyond loan files to review organizational structure, technology, and best practices. We assess:
- Verification of documentation, escrow handling, and data accuracy
- Evaluation of delinquent, default, bankruptcy, and loss mitigation loans
- Fair lending compliance checks
- Mortgage insurance premium payment reviews
Why Choose Consolidated Analytics for QC & Audit?
- Deep Industry Expertise – Our certified professionals understand complex mortgage regulations and investor requirements.
- Flexible Service Models – Choose full-service, turn-key QC solutions or integrate our experts into your existing teams.
- Data-Driven Insights – Capture trends and root causes to drive continuous improvement in origination and servicing operations.