SimplifyQC

When the exam notice lands, your files are the defense.

A finding, an investor review, a repurchase demand. It all comes down to what is documented in your loan files. For thirty years SimplifyQC has stood beside banks, credit unions, lenders, and servicers under exactly this scrutiny.

Founded 1996 Regulator-recognized review All 50 states

One partner. Every loan, every review.

Post-closing, pre-funding, underwriting, closing, servicing, and specialty compliance under one roof. Ten service lines cover the full life of a loan, so nothing falls between vendors.

Structured from the first file.

A defined engagement: scope, secure transfer, senior review, findings and remediation. Your team always knows what is happening and what comes next.

Precision you can put in front of an examiner.

220+ LQI checkpoints on every file. Pre-funding results in under 24 hours. Every loan type, QM and non-QM. Custom requirements accommodated.

220+ LQI checkpoints Under 24-hour pre-funding TAT All loan types

Trusted through every cycle since 1996.

Three decades inside exams, audits, and investor reviews across the industry. Our work is built to be shown to a regulator, not defended from one.

Confidential consultation

Talk to a compliance specialist.

A confidential conversation about your portfolio, your review scope, and your exposure. No obligation. A specialist responds within one business day.

Ten service lines. One accountable partner.

The full life of a loan under one roof, so nothing falls between vendors and every requirement has an owner.

Post-Closing Reviews

220+ LO checklists across every loan type: Conforming, Non-conforming, FHA, VA, Reverse Annuity, HELOC. Includes force audits, repurchase defense, routine QC, early payment default, foreclosure, fraud investigation, and due diligence.

Pre-Funding Reviews

Ineligible loans and pricing errors caught before funding, with results in under 24 hours, so defects never enter your held portfolio.

Mortgage Processing

Senior processors run the file end to end: 1003, W2, pay stub, 1008, disclosures, third-party ordering, VOE, VOM, VOD, condition clearing, closing documents, and funding coordination.

Mortgage Underwriting

AUS review, appraisal, credit, income, asset, and liability analysis, ratios, MI, and risk assessment. 24-hour turnaround across qualified and non-qualified mortgages.

Closing Package Prep

Closing instructions, settlement coordination, chain of disclosures, tolerance cures, Closing Disclosure compliance, and funding authorization.

Post-Closing Services

Investor delivery, condition resolution, trailing documents, and MERS registration, handled cleanly through to the end investor.

Commercial Loan Reviews

Credit risk assessment, allowance for loan and lease losses support, corrective action, and credit rating support for the commercial portfolio.

Fair Lending Compliance

Reviews built on the Equal Credit Opportunity Act, covering every component of fair lending risk and the corrective action that follows.

MERS Review Services

Annual attestation, monthly reconciliation, quality assurance plan support, and best practices for the Mortgage Electronic Registration System.

ALLL Validation

Independent credit risk review, trend analyses, peer benchmarks, reserve validation, and loss forecasts for your allowance for loan and lease losses.

How an engagement runs

A defined process from the first file, so your team always knows what is happening and what comes next.

Scoping

We define the review scope together: loan types, defect categories, and the specific requirements of your investors and regulators.

Secure transfer

Files move through an encrypted, access-controlled channel. Confidentiality is contractual and enforced at every step.

Senior review

Experienced reviewers examine every file against the agreed checklist. Nothing is sampled past the point your risk requires.

Findings and remediation

Clear findings, defect codes, and corrective action you can act on, delivered on a schedule that holds.

The standard we hold

220+

LQI checkpoints per file

Every loan, every review

< 24 hr

Hour pre-funding TAT

Results before you fund

30

Years in practice

Founded 1996

50

States covered

Nationwide review footprint

Trusted across the industry

For three decades, regulated institutions have brought us their most sensitive review work.

Client references available under NDA.

What is a mortgage quality control review?

A mortgage quality control review is an independent examination of a closed or pre-funding loan file against investor, agency, and regulatory requirements, confirming the loan was originated and documented correctly. It verifies credit, income, assets, collateral, and compliance before defects reach your portfolio.

What is the difference between pre-funding and post-closing review?

Pre-funding review happens before a loan funds and catches ineligible or defective loans before they cost you. Post-closing review examines funded loans after the fact to satisfy investor and agency QC requirements and to surface systemic issues in your pipeline.

Which loan types does SimplifyQC review?

All of them: Conforming, Non-conforming, FHA, VA, Reverse Amortization, HELOC, qualified and non-qualified mortgages, and commercial loans. Custom review requirements are accommodated on request.

How does an engagement with SimplifyQC begin?

With a confidential scoping conversation about your portfolio and review requirements, followed by a secure file transfer and a defined review cycle with findings and remediation reporting. Contact us for a confidential discussion about your specific needs.

Confidential consultation

Tell us about your portfolio and your review scope. A senior specialist will respond within one business day. There is no obligation, and every conversation is held in confidence.