Mortgage Compliance, Origination & QC Reviews

Mortgage lending remains one of the most heavily regulated areas of consumer financial services. Compliance failures in origination, underwriting, disclosure, and servicing carry consequences ranging from regulatory findings and enforcement actions to investor indemnification demands and loan repurchase requests.

Arq Advisory’s founder has deep expertise in mortgage compliance, including direct experience evaluating mortgage origination and servicing programs as a CFPB Senior Commissioned Examiner. Our team understands both the regulatory framework and the operational realities of mortgage lending.

Arq conducts loan-level origination reviews evaluating compliance with TILA, RESPA, ECOA, HMDA, and applicable state lending requirements. We assess loan applications, disclosures, underwriting documentation, and closing packages for regulatory compliance and adherence to investor guidelines.

We perform targeted TRID testing — evaluating Loan Estimate and Closing Disclosure accuracy, timing, tolerance compliance, and changed circumstance documentation. TRID remains a top examination focus area, and our testing methodology mirrors the procedures used by CFPB examiners.

Arq evaluates mortgage servicing compliance programs, including payment processing, escrow administration, default management, loss mitigation waterfall execution, and borrower communication practices. We assess servicing operations against Regulation X (RESPA), Regulation Z (TILA), and CFPB servicing rules.

Arq helps mortgage lenders reduce indemnification and buyback risk through post-consummation quality control reviews. We evaluate closed loans against FNMA, FHLMC, FHA, and VA underwriting guidelines, identifying deficiencies that could trigger investor repurchase demands or agency findings. Our QC reviews cover credit, income, asset, property, and compliance dimensions.

We assess loan files for adherence to GSE (Fannie Mae, Freddie Mac) and government (FHA, VA) underwriting guidelines, including eligibility, documentation, and program-specific requirements. This expertise supports both pre-funding and post-closing quality assurance.

Arq Advisory works with mortgage lenders, mortgage servicers, correspondent lenders, warehouse lenders, and investors on mortgage compliance and quality control.