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State-Specific Quality Control

Continuously updated state-specific standards and regulations

State-Specific Audit Reviews

TENA’s Legal Team tracks all state, federal, and agency statutes and requirements applying to mortgage lending, servicing and foreclosure. TENA’s Compliance Team then develops supporting audit questions which automatically appear in the audit testing script when appropriate. Most questions include links to the applicable statute or guideline. The result is that TENA’s auditors, and those working at firms that license SECONDLOOK Software, can audit with confidence using current information regarding state regulations.

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A Closer Look

  • Mortgage Lending Requirements: From loan origination through loan closing, mortgage lending requirements of every state and the District of Columbia are tracked.
  • Mortgage Loan Servicing: State-specific requirements as they pertain to the servicing of mortgage loans can be included in the servicing audit testing scripts.
  • Foreclosure Rules: Approximately 5,000 state-specific questions are included to address all pertinent aspects of the residential mortgage foreclosure process. A thorough monitoring of state-specific foreclosure requirements has never been easier.
  • License Requirements: Mortgage lending requirements specific to the various state-based licensing schemes are reflected in the audit testing scripts.

Ready to get started with State-Specific Mortgage Quality Control

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Explore All Our Mortgage Audit Services

TENA covers every step in the mortgage review process, from Pre-Funding to Post-Closing to Servicing, and more! 

Pre-Funding QC

Pre-Funding Audits

Credit, collateral, capacity & compliance are reviewed to identify issues prior to funding the loan, all with standard turnaround times of 48 hours or less.
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SECONDLOOK Audit Software

Bring Your Audits In-House

For nearly 4 decades, TENA's SECONDLOOK Software has been the preferred choice for lenders performing their own audit processes.
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Post-Closing QC

Post-Closing Audits

TENA's Audit Solutions cover the guidelines of all applicable agencies and types of mortgages, from Fannie Mae, Freddie Mac, FHA, VA, RHS and more.
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TENA Web Services (TWS)

TENA Web Services (TWS)

TENA Web Services (TWS) is a cloud-based platform to manage the remediation process and reporting of audit findings.
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Servicing QC

Servicing Audits

File based and procedural reviews are conducted to address all aspects of the loan servicing process.
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QC Plans & Specialized Audit Services

QC Plans & MERS Reviews

Customized QC plans, MERS reviews, and more to meet the specific needs of any lender or servicer.
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