FHA Single Family Housing Policy Handbook 4000.1, V. QUALITY CONTROL, OVERSIGHT, AND COMPLIANCE > A. QUALITY CONTROL OF LENDERS AND MORTGAGEES > 3. Loan Level Quality Control Program Requirements — b. Loan Sample Risk Assessment

hud-4000-1-v-b-loan-sample-risk-assessment

HUD effective date: 09/14/2015 · section V.A.3 · Handbook 4000.1

FHA Single Family Housing Policy Handbook 4000.1, Part V — b. Loan Sample Risk Assessment (09/14/2015).

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Verbatim provisions from FHA Single Family Housing Policy Handbook 4000.1, V. QUALITY CONTROL, OVERSIGHT, AND COMPLIANCE > A. QUALITY CONTROL OF LENDERS AND MORTGAGEES > 3. Loan Level Quality Control Program Requirements — b. Loan Sample Risk Assessment — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

FHA Single Family Housing Policy Handbook 4000.1, Part V — b. Loan Sample Risk Assessment (09/14/2015)

Effective 2015-09-14 · publisher's stamp for this provision

b. Loan Sample Risk Assessment (09/14/2015) i. Definition A Loan Sample Risk Assessment is a method of evaluating loans selected for QC on the basis of the severity of the violations found during QC reviews. ii. Standard Mortgagees must establish a Loan Sample Risk Assessment methodology. At a minimum, the methodology must include the categories of risk described below. The Mortgagee must compare one month’s QC sample to previous QC samples in order to conduct trend analysis. iii. Risk Categories (A) Low Risk No issues or minor variances were identified with the origination, underwriting, or servicing of the Mortgage. (B) Moderate Risk The records contained unresolved questions or missing documentation. Issues were identified pertaining to processing, documentation, or decisions made during Loan Administration, but none were material. Failure to resolve these issues created a moderate risk to the Mortgagee and to FHA. (C) Material Risk The issues identified during the review contained Material Findings which represent an unacceptable level of risk. iv. Required Documentation The Mortgagee must document the methodology used to establish the loan sample risk assessment system and conduct trend analysis.

Source: FHA Single Family Housing Policy Handbook 4000.1, Update 18 (issued 2026-08-12) · source URL · snapshot e1bca3432cf19e09

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Source of record: https://claudeforcompliance.com/regs/hud-4000-1-v-b-loan-sample-risk-assessment/ · register hud-4000-1-v-b-loan-sample-risk-assessment · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.