Our special operations unit is designed to bring down high defaults and claims, reflected in a high Compare Ratio. Through a structured program, the Compare Ratio Task Force®, we gradually work to diminish high compare ratios, HUD’s statistic that reflects a lender’s default and claims experience.

When a Compare Ratio is above 150: HUD begins a due diligence process to review the mortgagee’s default and claims experience.

When a Compare Ratio is 200 or more: the mortgagee is subject to possible disciplinary review, termination of underwriting authority, and loss of FHA mortgagee approval.



  • Comprehensive review of existing defaults and claims for loss mitigation and loan modification eligibility
  • HUD-FHA and regulatory compliance guidance for the mortgagee
  • Notification to mortgagee of borrower’s loss mitigation eligibility
  • Notification to borrower of loss mitigation eligibility
  • Referrals to expert, nationwide legal counsel to handle loss mitigation and loan modification strategies
  • Monitoring of loss mitigation applications in process
  • Follow-up with mortgage servicers to assure proper and timely resolution and notification to HUD-FHA
  • On-going review and loss mitigation of new defaults and claims


  • Staffed with subject matter experts and skilled auditors
  • Specially designed checklists and automated file screening systems
  • State-of-the-art quality control, compliance, forensics, and modern research facility
  • Scalable up to virtually any size default and claims experience
  • Upload/download large file formats for prompt reviews
  • Located in a secured and safe audit location