Quality control

Reverification with a trail you can hand to an investor.

Quality control is designed to identify weaknesses before they become losses. Government-source records provide the independent evidence needed to substantiate findings and support defensible lending decisions.

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Quality control

Reverify the file. Support the finding.

Find the discrepancy. Document the answer. QC identifies the exceptions that deserve a closer look, and government-source records provide the independent evidence needed to investigate discrepancies, substantiate findings and preserve a clear record of how they were resolved.

Reverify against the federal record

Pull the transcript independently rather than relying on the documentation already in the file. If the government-source record differs from what supported underwriting, the discrepancy becomes a documented finding that can be investigated.

A documented, dated trail

Every order, upload and retrieval is time-stamped and logged, producing a chain of custody per borrower record that survives examination.

Sampling without a bottleneck

Submit a QC sample as a batch and receive government-source records for every file in it, rather than ordering one at a time.

Reverification

When tax returns supported the underwriting decision.

Post-closing QC is not simply another review of the documents already in the loan file. Where tax returns were required and relied upon, the process may call for independent IRS transcript reverification and reconciliation against the income documentation used to approve the loan.

Original underwriting file

Borrower returns W-2s / 1099s Calculated income

Independent government source

IRS Return Transcript Wage & Income Business Transcript

Compare

Match Successful reverification. Record the result and retain the supporting evidence.

Difference QC exception. Investigate the discrepancy and determine whether the underwriting decision remains supported.

Document the outcome Audit trail retained What was requested, what was returned, when it happened and how it was resolved — kept with the order.

At sample scale

A monthly sample, run as one job.

A QC sample is not a hundred separate errands. Submitted together, tracked individually, reported once.

Monthly QC Sample Illustrative example

250loans selected for the sample

250transcript reverifications submitted in a single run

EACHtracked individually, with your loan number preserved throughout

AUTOexceptions separated as they arise, rather than found later

ONEreporting and export workflow for the whole sample

Your reviewers spend their time on the exceptions rather than on the ordering.

Real situations

Government-source solutions.

Problems that come up on the desk, and the record that settles each one.

The file needs independent reverification of stated income.Retrieve the transcript directly rather than re-reading the borrower's own documents, so the check is genuinely independent.IRS Transcripts A monthly QC sample needs records for every file.Bulk submission covers the sample in one pass with an order number and audit record for each.Bulk Processing An investor has requested the supporting documentation.The lender also needs to preserve what was requested, what was returned, when it occurred and how the result was resolved. We keep the verification activity and the supporting government-source record connected to the order, so QC, audit and management teams can retrieve it later.Reporting A defect looks like misrepresentation rather than error.Understanding the common income misrepresentation patterns helps distinguish a mistake from something else.Fraud Center The transcript does not agree with the income used to qualify.Reconcile the government-source data against the original underwriting calculation and determine whether the file remains eligible.Income & Business Transcripts The borrower’s identity data was never independently checked.An SSA-89 comparison of Name, Date of Birth and SSN adds a government-source data point to a file that was underwritten without one.SSA Verification

The experience sets us apart

Twenty-five years of specialized government-source verification.

25+ YEARSGovernment-source specialization

MILLIONSTranscripts processed

BULK QCSamples processed together

ONE PLATFORMIRS + SSA verification

Ready when you are

Findings you can defend.

Reverify the records independently, document what was returned and preserve the evidence behind the QC conclusion. Whether you are reviewing one questioned file or a monthly sample, we will help you build the verification workflow around it.

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