Tools & Resources

Cogent’s goal is to provide clients with the best technology, best practices, and best support available. Here you’ll find tools and resources for risk management, loan quality control and compliance, including: Cogent QC Systems technology and best practices, statistical analysis in risk management, business intelligence, data analytics, and more.  In addition, we provide links to information of interest to loan quality control and compliance professionals.

New!  Cogent’s Statistical Sample Size Calculator Now Available Online!

Guides and White Papers

Compare: In-House QC vs. Outsourced QC
Mortgage QC Buyer’s Guide
Quality Performance Benchmarking (PDF)
Quality Control Can Be An Anchor In Uncertain Mortgage Seas (PDF)
Major Trends in Mortgage Quality Control
Statistical Sampling in Mortgage Quality Control (PDF)
Control Chart Primer (PDF)
Control Chart Quick Reference (PDF)

Cogent QC Systems

Cogent Value Proposition
Cogent QC Systems – Key Benefits (PDF)
Why Cogent QC Systems (2011 Mortgage Tech Awards)
Cogent Statistical Sampling Methodology (PDF)
Introduction to Cogent QC Systems (PowerPoint)
Cogent named Top 25 Technology Vendor
Cogent QC Systems Migrate to .NET
Cogent Economics Wins Mortgage Technology Fix-It Award
ServicingQC System Helps to Improve Servicer Ratings
Rating Agency Comments

Mortgage QC in the News

Risk Management, Quality Control and Statistics (Part 1)
Risk Management, Quality Control and Statistics (Part 2)
Mortgage Compliance magazine
Quality Control and the Bottom Line (published in Secondary Marketing Executive magazine)
Should Lenders Have Zero-Defect-Rate Targets for Loan Production Quality?
EnterpriseQC: The Basel Accords and Quality Control in the Mortgage Industry (PDF)
Is Quality Control Possible in Today’s Mortgage Banking? (PDF)
Brad Kelso of Informative Research on Mortgage Fraud and Compliance Failure

Regulators, Agencies and Associations

Fannie Mae – Loan Quality page (Single Family)
Fannie Mae – Loan Defect Categories
Fannie Mae – Loan Defect Categories (Spreadsheet download)
Freddie Mac – Single Family – Quality Control & Fraud Prevention Resources
Freddie Mac – Single Family – Bulletin Announcing QC Revisions (effective 12/1/11) (PDF)
Freddie Mac:  Quality Control Best Practices, October 2012 (PDF)
FHA’s Single Family Housing Loan Quality Assessment Methodology (PDF)
HUD Handbook 4000.1 (See p.741 Section V – “Quality Control, Oversight and Compliance) (PDF)
The Mortgage Bankers Association (MBA) – News and Media – links to most U.S. Bank Regulators 
VA Home Loans homepage