Lender Services

Loan File Review

Stewart Lender Services is expertly positioned to provide enhanced transparency and reliability through accurate, timely and credible loan file reviews. We can quickly respond to your needs and provide client-centered methodologies, robust quality assurance, and customizable and scalable proprietary loan review platforms.

Loan file review addresses the requirements of a variety of clients whose needs vary from detailed analytics on mortgage loan files, to obtaining a more comprehensive understanding of underwriting guidelines and/or overlays, collateral, legal compliance and performance history. Clients enlist our support for quality control (QC), due diligence, forensic file reviews as well as transactional engagements. We currently perform QC on large portfolios, both for servicing and for originations. We also perform ongoing QC of pre and post-close originations, loan acquisitions and due diligence on loan pools when they are traded.

We provide:

Credit reviews

  • Conforming and non-conforming loans
  • Seasoned and modified loans
  • Warehouse audits
  • Mandatory agency QC

Seasoned loan reviews

  • Title
  • Collateral
  • Servicing documents
  • Payment history
  • Loss mitigation adherence
  • Foreclosure audits
  • Servicing QC

Compliance reviews

  • Standard and Customized TILA-RESPA Integrated Disclosure (TRID) Review
  • RESPA 2010
  • Seasoned loan compliance
  • Streamlined compliance

Valuation reviews

  • Full valuation reconciliation
  • Waterfall reconciliation
  • Appraisal review

Our engagement approach includes:

  • Initial scope analysis
  • Sample selection
  • Kick-off meeting
  • Loan file review

Our complete analysis ensures robust quality assurance. The multi-tiered review includes:

  • Initial loan review
  • First-tier quality control audit
  • Data integrity check
  • Management data scrub
  • Final quality assurance analysis

We have the quality control systems, analytics, expertise and reporting for your business needs.

All services and products referenced herein are offered by or through a member of the Stewart family of companies, as applicable, and may vary by state or local jurisdiction. The statements herein are not a representation that services or products are being offered or performed by Stewart Lender Services or any particular Stewart company. Where applicable, all services and products are performed and produced by an entity fully licensed to do so.