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Quarterly Loan Review Summary

We are pleased to present FHA's Quarterly Loan Review Summary. This report provides a quarter-by-quarter snapshot of FHA's Loan Review System (LRS) review outcomes. It includes loans selected for all reasons other than lender self-reports and FHA's own internal quality control processes.

Each cohort includes reviews completed in that calendar quarter. Gross Defects represent initial review outcomes; Net Defects represent final outcomes after lenders have had opportunities to mitigate or remediate findings.

Lenders with access to LRS can generate a similar report based on their own review data for comparison to national outcomes. Data Downloads are also available for more detailed analysis. More information can be found in the LRS User Manual.

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