Forensic Securitization Audit Specialists
Forensic Loan Audits
Built to expose what lenders hide
Mortgage. Auto loan. Student loan. Credit card. Every securitized loan has a paper trail. We follow it back and document breaks in the chain.
Why Your Consumer Loan Needs a Professional Audit
Many lenders make “clerical” errors that cost consumers thousands. A professional loan audit looks beyond a payment history to uncover issues in the documents, ownership trail, and servicing record.
The difference between servicing and auditing
SDAudit is a dedicated loan audit company, not a lender. While loan servicers focus on collecting payments, our work focuses on the documentation, assignments, and compliance history that support your loan.
How to use your loan audit report
Your report organizes the findings for informed conversations with legal counsel, negotiators, or other professionals. We review mortgage, auto, student, and credit-card loan documentation and identify documented compliance concerns.
Professional Loan Analysis
A thorough examination of loan documentation and practices, organized around the records that matter.
Detailed
Comprehensive analysis
Expert
Professional review
Court-Ready
Legal standards
Fast
Quick turnaround
Specialized Loan Audit Services
Our team performs comprehensive securitization audits across major loan types with close attention to the documentation and records involved.
Mortgage & Real Estate
Comprehensive audits of residential and commercial mortgage loans for securitization issues.
- TILA/RESPA compliance verification
- Predatory lending detection
- Chain of title analysis
- Note endorsement validation
- Mortgage assignment review
Auto Loans
Detailed audits of auto loan securitization practices and compliance issues.
- Truth in Lending disclosure review
- GAP insurance compliance
- Repossession practice analysis
- Interest rate markup validation
- Dealership fee structure audit
Student Loans
In-depth analysis of student loan documents for regulatory compliance issues.
- FFELP compliance verification
- Private loan term analysis
- Servicer transfer validation
- Interest calculation review
- Promissory note verification
Credit Card Debt
Thorough examination of credit card securitization and collection practices.
- Card agreement compliance check
- Interest rate verification
- Fee structure analysis
- Debt collection practice review
- Account statement validation
Ready to Audit Your Loan?
Get started with a professional loan audit and learn what issues may be hiding in your loan documents.
Our Comprehensive Audit Process
We use a structured approach to examine loan securitization records and document the issues that may matter to your situation.
Chain of Title Analysis
We trace ownership from origination to the entity claiming collection rights, looking for missing, late, or conflicting transfers.
Filing & Perfection
We examine relevant UCC filings, amendments, continuation records, and other evidence that supports a claimed security interest.
PSA Compliance
We compare recorded transfer activity with the applicable Pooling and Servicing Agreement, cutoff-date rules, and authority records.
Enforcement Analysis
We review the available documents relevant to real-party-in-interest, servicer authority, and applicable enforcement requirements.
Audit Report Review
Review an example of the detail and organization used in a comprehensive loan securitization audit report.
Forensic Securitization Audit
Comprehensive Evidentiary Report
An audit report can identify key participants in a securitization chain and organize source records, documented transfers, and relevant findings for review.
Executive Summary
The sample report analyzes a retail installment sales contract that was transferred into a securitization trust. It identifies the parties in the ownership chain, notes available public records, and presents the material findings with supporting record references.
Chain of Title Analysis
The chain-of-title review documents each known transfer event and notes whether supporting assignments, endorsements, or recordings are present in the records examined.
Trust Identification & CUSIP Review
Public SEC EDGAR records and trust documents can provide information about a securitization vehicle, its capital structure, and the records associated with the referenced transaction.
Legal Analysis & Documented Issues
The report organizes findings with the underlying records and relevant statutes or authorities for independent review by the client’s legal counsel.
Video overview
How Securitization Can Affect Borrowers
Learn why the ownership trail behind a loan matters and how documented breaks or inconsistencies can inform the next conversation with a qualified professional.
SDAudit focuses on the technical and documentary review of loan securitization. A completed audit is not legal advice and does not replace the advice of a licensed attorney.
Why Clients Trust SDAudit
Real clients. Real findings. Real results.
★★★★★
“The audit found a break in the chain of title that my attorney said was exactly what we needed. The report was detailed, clearly written, and ready to file.”M. Torres · Mortgage Audit Client, California
★★★★★
“I ordered the securitization audit on my auto loan and they found the trust assignment was executed after the PSA cutoff date. That one finding changed everything in my case.”D. Reyes · Auto Loan Audit Client, Texas
★★★★★
“The report came back with documented violations including TILA disclosures and a missing endorsement on the note. My attorney was impressed.”K. Whitfield · Legal-Grade Audit Client, Florida
Frequently Asked Questions
Does SDAudit handle consumer loan cases in all states?
Our loan-audit services are available across the United States. Each audit is tailored to the available loan documents, records, and applicable federal or state requirements.
How does a real estate audit help homeowners?
An audit reviews the loan documentation and securitization records for issues that may be important to a homeowner’s discussions with qualified legal or financial professionals.
What makes SDAudit’s services different?
SDAudit focuses on the technical and documentary verification of debt ownership, securitization, and servicing records. We do not provide loans or legal representation.
Is a professional loan audit recognized in court?
Our reports are organized around the documents and findings reviewed. Whether any report is admitted or used in a specific legal matter depends on the facts, governing law, and qualified counsel.
What is included in a standard loan audit report?
The report provides a structured review of the available loan history, ownership-chain documentation, securitization evidence, and compliance-related findings relevant to the package ordered.
How long does an audit take?
Timing depends on the audit type, the completeness of the available documents, and the depth of record review required. We will provide timing information during the order process.
SDAudit provides document and securitization analysis. The information on this website is for general informational purposes and is not legal advice, a promise of outcome, or a substitute for advice from a licensed attorney.
Ready to Start Your Professional Loan Audit?
Our audit team is ready to analyze your loan documents and identify potential issues for your review.