Determining credit quality in accordance with lender, investor, and industry standards requires a thoughtful application of a credit review scope curated for the purpose of the intended use. Whether an agency, govt., jumbo, non-QM, home equity, reverse, chattel or commercial purpose, Consolidated Analytics will build and deploy a credit review scope that may assess:

• Credit document sufficiency
• Guidelines conformity
• Borrower eligibility
• Income and assets
• Credit history
• Ability-to-Repay (ATR)
• Debt-to-Income (DTI) ratio
• Employment history
• Credit fraud

Determining compliance with applicable regulatory standards at the loan level requires an experienced team, enabled by modern technology, driven by industry experts. At Consolidated Analytics each loan is subject to a thorough analysis of regulatory compliance requirements. Our compliance review capabilities cover:

• TRID
• RESPA
• TILA
• QM/ATR
• Federal High Cost
• State Level Anti-Predatory Lending Statutes

Our compliance review approach can accommodate investor, issuer, rating agency, and regulator requirements with customized solutions.

Assessing the data quality of an underlying asset is imperative to the validation of the investment decision. Consolidated Analytics will accumulate loan-level data, identify discrepancies across documents, public records, loan tapes, and other disparate data sources to establish an accurate data set. Highlights of the data validation process include:

• 400 point data validation
• Customized source doc requirements
• Narrative defining discrepancies

Consolidated Analytics provides a deep dive review on collateral documentation to ensure that the loan can be seamlessly transferred and secured. Our collateral reviews  cover a broad range of collateral files such as:

• Collateral remediation
• Title Insurance policy and remediation
• Note, loan agreement, and security instrument
• Addendums
• Legal documentation
• Mortgage/ Deed of Trust

Our reviews:

• Ensure the loan file has all of the required documentation
• Review the completeness and accuracy of data within the documentation
• Identifies risk associated with loan file documentation

Consolidated Analytics leverages its robust valuation services and analytics to assess valuation risk related to your asset or portfolio. We provide a range of valuation risk tools and portfolio reviews :

• Pool level screening, portfolio cascade, and forensic appraisal analysis
• Valuation risk stratification and a confidence score to ensure the right valuation tool is driving an accurate, timely, and supported value
• Assess property details, value, and comps to confirm that the property value used in qualification of the underwriting decision was prudent and reasonable
• Review the original appraisal and all additional property valuation documentation to determine whether source, format, and type meet program and guideline eligibility requirements
• Confirm as applicable that an independent supplemental third-party valuation was received and is within 10% tolerance of the original qualifying value
• Compliance with USPAP, Federal Interagency Appraisal Guidelines and Lending Policies, GSE and Agency appraisal guidelines, and state and federal law.

Our servicing due diligence solution enables you to evaluate your portfolio servicing, workout, or disposition strategy. We provide a comprehensive review of the following:

• Servicing notes
• Pay histories
• Reps and Warranties
• Data tape review
• Documentation accuracy including title, flood, insurance policies
• Collateral packages
• Electronic files
• Regulatory compliance

Grading methodologies can vary by client, product, and rating agency, and involve various factors of materiality, risk scoring, status, and categorization.

At Consolidated Analytics our flexible platform allows for the customization of all factors at the client, counter-party, and deal level to ensure consistency of application purpose fit for the review at hand. Standard grading includes:

• Consolidated Analytics Loan Grade
• Consolidated Analytics Finding Grade
• DBRS / Morningstar Grades
• Fitch Grades
• Standard and Poor’s Grades
• Moody’s Analytics Grades
• KBRA Grades
• Finding Materiality
• Finding Cascade
• Finding Source
• Finding Severity Rank

Consolidated Analytics provides a range of reports based on the review type, custom requirements, and SLA timeline requirements. Our reports include:

• Consolidated Report: Includes data tape comparison, findings report, property valuation report, and monthly findings trend.
• Executive Summary: A monthly draft of a narrative form executive summary detailing the quality control protocol and finding/trends by category and source.
• Data Discrepancy Results: Identifies discrepancies between credit and compliance reviews and client tape data.