If you are researching securitization audit services, you have probably come across both SDAudit and Mortgage Audits Online. They are two of the more visible names in the space, and the comparison is worth making directly. Not because we need to tear down a competitor, but because the differences are substantive and they matter for what you are trying to accomplish.
What Both Companies Do
Both SDAudit and Mortgage Audits Online offer forensic securitization audit services. Both claim to identify defects in the chain of title, PSA compliance issues, and standing problems. Both produce written reports intended for use in legal proceedings. At that level of description, they sound similar.
The differences show up in methodology, depth, and what the final product actually looks like.
Methodology: What Gets Examined
| Feature | SDAudit | Mortgage Audits Online |
|---|---|---|
| PSA Cutoff Date Verification | Yes | Yes |
| CUSIP-Level Tranche Identification | Yes (Elite Package) | Yes (Diamond Package) |
| Auto Loan Securitization Audits | Yes – All Loan Types | Primarily Mortgage |
| Expert Witness Affidavit | Yes (Elite Package) | Yes (Diamond Package) |
| Robo-Signing Analysis | Yes | Yes |
| AAA/JAMS Arbitration-Ready Format | Yes | Not Specified |
| UCC Perfection Analysis | Yes | Mortgage Focus |
| Entry-Level Package Available | $499 | $295 (Basic) |
Where SDAudit Stands Out
All Loan Types, Not Just Mortgages
Mortgage Audits Online, as the name suggests, is primarily focused on mortgage loans. SDAudit was built to handle the full spectrum of securitized consumer debt: mortgages, auto loans, student loans, and credit card accounts. If your dispute involves an auto loan or a credit card debt that has been sold multiple times, SDAudit is the more relevant choice.
Arbitration-Ready Format
Our reports are structured specifically for AAA and JAMS arbitration proceedings. Every finding is numbered, every citation is specific, and the exhibit structure follows the format that arbitrators expect. This is not a cosmetic difference. When you hand a report to an attorney who is preparing an arbitration filing, the format matters.
Pricing Transparency
Our pricing is published and fixed. You know exactly what you are getting at each tier before you order. There are no upsells after the fact and no ambiguity about what is included.
Where Mortgage Audits Online Has Strengths
Mortgage Audits Online has been in business for a long time and has a track record in mortgage-specific cases. Their Diamond Report Package is well-regarded in the mortgage audit space, and their sample reports are publicly available for review. If your situation is exclusively mortgage-related and you want to see a sample before ordering, that is a reasonable consideration.
The Bottom Line
If your loan is a mortgage and you want a well-established service with a long track record, Mortgage Audits Online is a legitimate option. If your loan is an auto loan, a student loan, or any other securitized consumer debt, or if you need a report that is specifically formatted for arbitration proceedings, SDAudit is the better fit.
The most important thing is that you get an audit done by someone who knows what they are looking for. A defect that goes undocumented is a defect that cannot be used.