Office of Finance and Budget,
Washington, DC
Controls Over FHA Home Affordable Modification
Program Partial Claim Payments
Office of Audit, Region 9 Audit Report Number: 2015-LA-0001
Los Angeles, CA April 20, 2015
To: George Rabil, Deputy Assistant Secretary for Finance and Budget, HW
//SIGNED//
From: Tanya E. Schulze, Regional Inspector General for Audit, 9DGA
Subject: HUD’s Claim Payment System Did Not Always Identify Ineligible FHA-HAMP
Partial Claims
Attached is the U.S. Department of Housing and Urban Development (HUD), Office of Inspector
General’s (OIG) final results of our review of HUD’s controls over the claim payment system for
the Home Affordable Modification Program partial claim option.
HUD Handbook 2000.06, REV-4, sets specific timeframes for management decisions on
recommended corrective actions. For each recommendation without a management decision,
please respond and provide status reports in accordance with the HUD Handbook. Please furnish
us copies of any correspondence or directives issued because of the audit.
The Inspector General Act, Title 5 United States Code, section 8M, requires that OIG post its
publicly available reports on the OIG Web site. Accordingly, this report will be posted at
http://www.hudoig.gov.
If you have any questions or comments about this report, please do not hesitate to call me at
213-534-2471.
Audit Report Number: 2015-LA-0001
Date: April 20, 2015
HUD’s Claim Payment System Did Not Always Identify Ineligible FHA-
HAMP Partial Claims
Highlights
What We Audited and Why
We audited the U.S. Department of Housing and Urban Development (HUD), Federal Housing
Administration’s (FHA) Home Affordable Modification Program (HAMP) partial claim option.
We audited the FHA-HAMP partial claim option because we had not reviewed the program since
2011 and the requirements had changed. Our audit objective was to determine whether HUD
had adequate controls over FHA-HAMP partial claim payments.
What We Found
HUD’s claim payment controls for the FHA-HAMP partial claim option were not adequate.
Specifically, HUD’s claim system allowed payment of (1) more than one claim with a
modification or FHA-HAMP option in a 24-month period, (2) duplicate claims, (3) partial claims
in excess of 30 percent of the unpaid principal balance at initial default, and (4) non-HAMP
partial claims after HUD discontinued this claim type. These conditions occurred because HUD
did not design and implement sufficient claim payment controls to detect and prevent processed
claims that did not meet HUD requirements. As a result, HUD paid more than $22 million in
unsupported claims and $103,925 in ineligible claims that did not meet HUD requirements.
What We Recommend
We recommend that the Deputy Assistant Secretary for Finance and Budget (1) develop and
implement controls to detect and prevent payment of claims that violate HUD requirements, (2)
provide support of eligibility or require repayment for more than $22 million in claims that did
not meet HUD requirements, and (3) require repayment of $103,925 for ineligible claims.
Table of Contents
Background and Objective......................................................................................3
Results of Audit ........................................................................................................4
Finding 1: HUD’s Claim Payment System Did Not Always Identify Ineligible FHA-
HAMP Partial Claims....................................................................................................... 4
Scope and Methodology ...........................................................................................7
Internal Controls ......................................................................................................9
Appendixes ..............................................................................................................10
A. Schedule of Questioned Costs .................................................................................. 10
B. Auditee Comments and OIG’s Evaluation ............................................................. 11
C. Criteria ....................................................................................................................... 15
D. Details of Claims With a Modification or FHA-HAMP Option Within 24 Months
..................................................................................................................................... 18
E. Potential Duplicate Claims Identified ..................................................................... 26
F. Partial Claims Paid Above 30 Percent of the Initial Unpaid Balance.................. 27
2
Background and Objective
In 1934, Congress created the Federal Housing Administration (FHA), which provides mortgage
insurance on loans made by FHA-approved lenders throughout the United States and its
territories. Under the program, lenders bear less risk because FHA will pay a claim to the lender
in the event of a homeowner’s default; however, loans must meet certain requirements
established by FHA to qualify for insurance.
FHA loss mitigation delegates to lenders both the authority and the responsibility to use certain
actions and strategies to assist borrowers in default or imminent default to retain their homes and
reduce losses to the insurance fund that result from mortgage foreclosures. Lenders may use any
of several loss mitigation options that lead to home retention. After evaluating a delinquent
borrower for informal and formal forbearance plans, servicers must consider FHA’s loss
mitigation options in the following order: (1) special forbearances; (2) loan modifications; and
(3) FHA’s Home Affordable Modification Program (HAMP).
The U.S. Department of Housing and Urban Development (HUD) created the FHA-HAMP loss
mitigation home retention option in response to the Helping Families Save Their Home Act of
2009. FHA-HAMP typically involves the combination of a loan modification and a partial
claim. However, with the issuance of Mortgagee Letter 2012-22 on November 16, 2012, FHA-
HAMP may now involve the use of one or both of those loss mitigation options.
From July 1, 2012 to January 24, 2015, HUD paid more than $6.5 billion for 261,637 FHA-
HAMP partial notes and more than $107.5 million in incentive fees associated with the claims.
Our objective was to determine whether HUD had adequate controls over FHA-HAMP partial
claim payments.
3
Results of Audit
Finding 1: HUD’s Claim Payment System Did Not Always Identify
Ineligible FHA-HAMP Partial Claims
HUD’s claim payment system did not always identify ineligible FHA-HAMP partial claims.
Specifically, the system allowed payment of (1) more than one claim with a previous
modification or FHA-HAMP option in a 24-month period, (2) duplicate claims, (3) partial claims
in excess of 30 percent of the unpaid balance at the time of default, and (4) non-HAMP partial
claims after HUD discontinued this claim type. The deficiencies occurred because HUD did not
design and implement sufficient claim payment system controls. As a result, HUD could not
support that approximately $22.5 million in claims paid was eligible and could not ensure the
eligibility of future claims submitted.
HUD Paid More Than One Claim With a Modification or FHA-HAMP option Within a 24-
Month Period
HUD’s Mortgagee Letter 2012-22 states that to qualify for an FHA-HAMP option, the borrower
must not have received a stand-alone modification or FHA-HAMP option in the previous 24
months (See appendix C for criteria). HUD had an edit code in its system intended to catch
instances in which a servicer submitted a claim that did not meet this criterion. However, we
reviewed HUD system data for claims paid between November 16, 2012, and January 17, 2015,
and identified 705 FHA-HAMP partial claims for amounts totaling approximately $22.2 million
that had a stand-alone modification or FHA-HAMP option within the prior 24 months (See
appendix D). 1 HUD did not adequately design its edit codes to identify FHA-HAMP options that
violated this requirement.
HUD Paid Duplicate Claims
HUD’s claim payment system was set up to stop payment if a servicer submits a claim for the
same case number with matching partial note agreement dates. We identified 21 partial claims
with different agreement dates that appeared to be duplicate payments because the partial note
amounts matched (See appendix E).
HUD reviewed documentation for the 21 potential duplicate claims identified and determined
that 16 of the claims were duplicate payments. The remaining five claims were not duplicates,
1
Because HUD did not maintain sufficient data to determine which loan modifications were tied to a concurrent
partial claim and which were distinct loss mitigation actions, our audit testing was restricted. For each of the 705
apparent violations identified, the claims appeared to be distinct loss mitigation actions because the agreement and
payment dates were more than 90 days apart and the unpaid balance reported for each claim was different. As a
result, we could not determine eligibility based on the data alone, and HUD would need to review the supporting
documentation.
4
four had the same dollar amount because the servicer accidently reported an incorrect amount for
the second claim, and one was a distinct claim for the same dollar amount. HUD held the
servicer responsible for the difference. HUD received payment for 10 of the duplicate payments,
but it was unclear whether it requested repayment or the servicer initiated the repayment. As a
result of our review, HUD sent billing letters to servicers for the six other duplicate payments in
the amount of $103,925. After we brought the issue to HUD’s attention, HUD updated its
system so it would not automatically pay the servicer when the partial claim amounts matched
and that the system would flag these cases for further review.
HUD Paid Claims in Excess of 30 Percent of the Unpaid Principal Balance
HUD had an edit code in its system intended to identify instances in which the cumulative partial
claim exceeds 30 percent of the unpaid balance. According to HUD, there was some confusion
concerning which unpaid balance to use. HUD Mortgagee Letter 2012-22 stated that the
maximum value of all partial claims for a given loan could not exceed 30 percent of the
outstanding unpaid principal balance as of the date of default. However, HUD updated the
language in Mortgagee Letter 2013-32 to state that the partial claims were limited to 30 percent
of the unpaid principal balance at time of initial default. (See appendix C for criteria)
We tested the data for claims paid after December 1, 2013, the effective date of the updated
language, and identified 56 claims with $260,454 paid in excess of the 30 percent of the reported
unpaid balance at time of initial default (See appendix F). On November 17, 2014, HUD
updated its system to follow the updated language in Mortgagee Letter 2013-32. None of the 56
cases occurred after the system update. In addition, the servicer is responsible for reporting the
unpaid balance. We noted instances in which the unpaid balances reported appeared to be
inaccurate; therefore, we could not determine that the full $260,454 was ineligible without
reviewing supporting documentation.
HUD Processed Non-HAMP Partial Claims
HUD Mortgagee Letter 2012-22 streamlined the loss mitigation home retention option priority
order by replacing the four-tier structure with a three-tier structure, which consists of a special
forbearance, a loan modification, and the FHA-HAMP option. The FHA-HAMP option consists
of a stand-alone partial claim, a stand-alone modification, or a combination of a loan
modification and partial claim. All FHA-HAMP options require that the servicer report the
claim as an FHA-HAMP claim in order for HUD’s edit codes to test against FHA-HAMP
requirements (See appendix C for criteria). HUD identified that some servicers were confused
and continued to submit non-HAMP partial claims. As a response to this issue, HUD stated that
it had updated its system on June 27, 2014 so servicers were no longer able to submit non-
HAMP partial claims; however, we identified FHA case numbers 048-6297039 and 341-
0985374 with partial claims totaling $27,603 prepared after that date and without an FHA-
HAMP indicator. Because these claims did not have an FHA-HAMP indicator, we could not
determine if the system edit codes tested the partial claim against FHA-HAMP criteria. HUD
identified the cause of the two claims processed that did not have HAMP indicators and is in the
process of updating its system to avoid this issue in the future.
5
Conclusion
HUD’s claim payment system did not always identify ineligible FHA-HAMP partial claims.
HUD spent approximately $22.5 million on potentially ineligible claims and $103,925 on
ineligible claims. This condition occurred because HUD did not design and implement sufficient
claim payment system controls. If HUD does not strengthen its controls, the claim system will
continue to pay potentially ineligible claims.
Recommendations
We recommend that the Deputy Assistant Secretary for Finance and Budget
1A. Develop and implement controls to detect and prevent payment of claims with a
modification or FHA-HAMP option submitted within a 24-month period.
1B. Provide support of eligibility or require repayment of $22.2 million for the 705
identified FHA-HAMP partial claims with a reported loan modification within the
prior 24 months.
1C. Develop and implement controls to detect and prevent payment of duplicate
claims.
1D. Require repayment of the six ineligible duplicate claims billed to servicers in the
amount of $103,925.
1E. Provide support of eligibility or require repayment of $260,454 for the portion of
the 56 partial claims in excess of 30 percent of the unpaid balance at initial
default.
1F. Provide support or require repayment of $27,603 for the two non-HAMP partial
claims processed after HUD updated its system to no longer allow non-HAMP
partial claims.
1G. Develop and implement controls to detect and prevent the processing of non-
HAMP partial claims.
6
Scope and Methodology
We conducted the audit in accordance with generally accepted government auditing standards.
Those standards require that we plan and perform the audit to obtain sufficient, appropriate
evidence to provide a reasonable basis for our findings and conclusions based on our audit
objective(s). We believe that the evidence obtained provides a reasonable basis for our findings
and conclusions based on our audit objective.
Our audit period covered July 1, 2012, to January 24, 2015, but was expanded when necessary.
We conducted our fieldwork at our offices in Las Vegas, NV, Phoenix, AZ, and San Francisco,
CA, between July 2014 and February 2015.
To accomplish our objective, we
• Reviewed HUD requirements for HUD’s loss mitigation home retention options,
• Interviewed appropiate HUD personnel,
• Analyzed HUD’s Single Family Housing Enterprise Data Warehouse’s loss mitigation
table as discussed in detail below, and
• Reviewed documentation for the 21 claims that appeared to be duplicate payments.
The Single Family Housing Enterprise Data Warehouse system is a large, extensive collection of
database tables organized to support the analysis, verification, and publication of single-family
housing data. The warehouse consists of datamarts developed to support specific business units
and communities within the HUD family. Each datamart comprises one or more database tables
structured to provide HUD users easy and efficient access to single-family housing case-level
data on properties and associated loans, insurance, claims, defaults, and demographics. Through
an analysis of HUD data in the loss mitigation table, using ACL software, we filtered the records
to test the following:
(1) Claims that had a previous modification or FHA-HAMP option in the prior 24 months for
claims paid between November 16, 2012, and January 17, 2015 2. The effective date of
the 24-month requirement was November 16, 2012.
(2) Claims that appeared to be duplicate payments because the partial note amounts were
equal for claims processed between July 1, 2012, and June 30, 2014 3.
2
We Identified 705 claims that met this criterion.
7
(3) Claims with a partial note amount above 30 percent of the unpaid balance at the time of
default for claims with default dates between December 1, 2013, and January 24, 2015 4.
The effective date on the partial claim limit of 30 percent of the unpaid balance at initial
default was December 1, 2013.
(4) Partial claims without an FHA-HAMP indicator submitted by servicers after HUD
removed the non-HAMP partial claim option from its loss mititgation home retention
program with default dates between March 15, 2013, and January 24, 2015 5. The
effective date of this policy was March 15, 2013.
3
We identified 21 claims that met this criterion.
4
We identified 56 claims that met this criterion.
5
We identified 648 claims that met this criterion.
8
Internal Controls
Internal control is a process adopted by those charged with governance and management,
designed to provide reasonable assurance about the achievement of the organization’s mission,
goals, and objectives with regard to
• Effectiveness and efficiency of operations,
• Reliability of financial reporting, and
• Compliance with applicable laws and regulations.
Internal controls comprise the plans, policies, methods, and procedures used to meet the
organization’s mission, goals, and objectives. Internal controls include the processes and
procedures for planning, organizing, directing, and controlling program operations as well as the
systems for measuring, reporting, and monitoring program performance.
Relevant Internal Controls
We determined that the following internal controls were relevant to our audit objective:
• The effectiveness of system controls intended to stop payment of claims that do not meet
HUD requirements (finding 1).
We assessed the relevant controls identified above.
A deficiency in internal control exists when the design or operation of a control does not allow
management or employees, in the normal course of performing their assigned functions, the
reasonable opportunity to prevent, detect, or correct (1) impairments to effectiveness or
efficiency of operations, (2) misstatements in financial or performance information, or (3)
violations of laws and regulations on a timely basis.
Significant Deficiency
Based on our review, we believe that the following item is a significant deficiency:
• HUD’s claim payment system did not have adequate controls to always identify ineligible
FHA-HAMP partial claims (finding 1).
9
Appendixes
Appendix A
Schedule of Questioned Costs
Recommendation
Ineligible 1/ Unsupported 2/
number
1B $22,219,470
1D $103,925
1E $260,454
1F $27,603
Totals $103,925 $22,507,527
1/ Ineligible costs are costs charged to a HUD-financed or HUD-insured program or activity
that the auditor believes are not allowable by law; contract; or Federal, State, or local
policies or regulations. In this case, HUD paid servicers for six duplicate partial claims.
2/ Unsupported costs are those costs charged to a HUD-financed or HUD-insured program
or activity when we cannot determine eligibility at the time of the audit. Unsupported
costs require a decision by HUD program officials. This decision, in addition to
obtaining supporting documentation, might involve a legal interpretation or clarification
of departmental policies and procedures. In this case, unsupported costs include (1) the
amount paid for 705 claims submitted that appeared to have had more than one
modification or FHA-HAMP option in HUD’s claim system within 24 months, (2) the
portion of 56 claims paid that appeared to have been in excess of 30 percent of the unpaid
balance at the time of default based on data submitted by servicers before HUD updated
its controls, and (3) the two non-HAMP partial claims that HUD processed after it
updated its system. HUD would need to review documentation to determine whether the
data submitted by servicers were accurate to verify the eligibility of the claims identified.
10
Appendix B
Auditee Comments and OIG’s Evaluation
Ref to OIG Auditee Comments
Evaluation
Comment 1
Comment 2
11
Comment 3
Comment 4
Comment 5
Comment 6
12
Comment 7
13
OIG Evaluation of Auditee Comments
Comment 1 We reviewed documentation provided by HUD to determine if the system
enhancements have been updated to identify two claims processed within 24
months. However, 704 of the 705 claims identified in the report with a prior
claim within 24 months were paid by HUD after September 16, 2013.
Comment 2 We commend the Office of Finance and Budget for taking such timely actions to
address the recommendations and we look forward to working with them on
resolving this recommendation..\
Comment 3 We reviewed documentation provided by HUD and determined that this
recommendation was implemented on April 10, 2015. We will close this
recommendation concurrent with issuance of the audit report.
Comment 4 We agree that HUD has billed the servicer for the six claims identified. We will
close out this recommendation when the servicer pays HUD for these claims.
Comment 5 We commend the Office of Finance and Budget for taking such timely actions to
address the recommendations and we look forward to working with them on
resolving this recommendation.
Comment 6 HUD provided additional supporting documentation, which shows case number
341-0985374 and 048-6297039 were HAMP claims. We will close this
recommendation concurrent with issuance of the audit report.
Comment 7 We commend the Office of Finance and Budget for taking such timely actions to
address the recommendations and we look forward to working with them on
resolving this recommendation.
14
Appendix C
Criteria
Office of Management and Budget Circular A-123, Section I, Introduction
Management has a fundamental responsibility to develop and maintain effective internal control.
The proper stewardship of Federal resources is an essential responsibility of agency managers
and staff. Federal employees must ensure that Federal programs operate and Federal resources
are used efficiently and effectively to achieve desired objectives. Programs must operate and
resources must be used consistent with agency missions, in compliance with laws and
regulations, and with minimal potential for waste, fraud, and mismanagement.
Management is responsible for developing and maintaining effective internal control. Effective
internal control provides assurance that significant weaknesses in the design or operation of
internal control, that could adversely affect the agency’s ability to meet its objectives, would be
prevented or detected in a timely manner.
Mortgagee Letter 2012-22
Changes to FHA’s Existing Loss Mitigation Home Retention Option:
• Streamlining FHA’s Loss Mitigation Home Retention Option priority order by replacing
its current 4-tier incentive structure with a 3-tier incentive structure, consisting of Special
Forbearances, Loan Modifications, and FHA-HAMP.
• Permitting mortgagors to receive a Loan Modification or FHA-HAMP only once in a 24-
month period;
• Expanding FHA-HAMP so that it now consists of a stand-alone Modification, stand-
alone Partial Claim, or a combination of a Loan Modification and Partial Claim;
Updated Loss Mitigation and Priority Order Requirement:
After evaluating a delinquent mortgagor for Informal and Formal Forbearance Plans, FHA’s
Loss Mitigation options must be considered in the following order: (1) Special Forbearances; (2)
Loan Modifications; and (3) FHA-HAMP.
In order to qualify for FHA-HAMP, a defaulted mortgagor or a mortgagor facing imminent
default must meet all of the following criteria: The mortgagor has not previously received a
stand-alone Loan Modification or a FHA-HAMP in the previous 24 months.
Updated FHA-HAMP Partial Claim Amount Calculation:
The maximum value of all outstanding Partial Claims for a given loan cannot exceed 30 percent
of the outstanding Unpaid Principal Balance as of the date of the default.
15
Mortgagee Letter 2013-03
Purpose:
The purpose of this Mortgagee Letter is to: (1) notify mortgagees that the implementation date
for Mortgagee Letter 2012-22 has been extended to March 15, 2013; and (2) clarify questions
HUD received from the industry regarding the proper implementation of Mortgagee Letter 2012-
22.
Mortgagee Letter (ML) 2012-22 Revisions to FHA’s Loss Mitigation Home Retention Options
Frequently Asked Questions (FAQs):
ML 2012-22 permits mortgagors to receive a loan modification or FHA-HAMP once within a 24
month period. When does the 24 month period begin?
The 24 month period, referenced in ML2012-22, starts on the latter of the ML’s issuance date
(November 16, 2012) or the last date of a mortgagor’s executed loan modification or FHA-
HAMP. For example, if a mortgagor received an FHA-HAMP modification on March 18, 2012
and is currently in default, the mortgagee would have to reassess the mortgagor under the new
waterfall prior to proceeding with a foreclosure sale that is scheduled after December 15, 2012.
Mortgagee Letter 2013-19
Reconciliation of Partial Claim Proceeds to Promissory Note Amounts:
Mortgagees are responsible for ensuring the accuracy of the promissory note and partial claim
mortgage prior to filing claims. There should be no discrepancies because mortgagees file the
claims after the execution of these documents. Mortgagees are also responsible for reconciling
the partial claim proceeds received from HUD with the promissory note amount.
In the event the mortgagee miscalculated the partial claim amount, resulting in an overpayment
to the mortgagee, the overpaid amount must be remitted immediately to HUD’s loan servicing
contractor as a payment to reduce the balance of the borrower’s debt to HUD. In the event the
mortgagee claimed less than the actual note amount, the mortgagee will absorb the cost of the
miscalculation. No corrective partial claims will be accepted.
Mortgagee Letter 2013-32
Purpose:
This Mortgagee Letter supersedes Mortgagee Letter 2012-22, Revisions to FHA’s Loss
Mitigation Options, published on November 16, 2012.
Effective Date:
Mortgagees must implement the policies set forth in this Mortgagee Letter no later than
December 1, 2013.
16
Capitalization of Arrearages for Modifications and Partial Claims
Arrearages and related foreclosure costs included in Partial Claims are subject to the statutory
limit of 30 percent of UPB [unpaid balance] at the time of initial default.
17
Appendix D
Details of Claims With a Modification or FHA-HAMP Option Within 24 Months
The table below identifies claims that had a previous modification or FHA-HAMP in the prior 24
months for claims paid between November 16, 2012, and January 17, 2015. The days between
agreement dates shows the time between the first modification or FHA-HAMP option and the
second FHA-HAMP partial claim.
Case number Days Amount paid Case number Days Amount paid
between between
agreement agreement
dates dates
1 011-4251485 508 $6,078.37 36 043-7657596 550 $62,362.03
2 011-4314947 526 $3,247.99 37 043-7764534 558 $71,959.48
3 011-5496631 613 $12,735.51 38 043-7807005 457 $10,490.43
4 011-5601329 175 $8,288.30 39 043-7836211 540 $4,240.50
5 011-5626002 306 $9,465.60 40 043-7977608 268 $27,090.11
6 011-5825067 535 $6,543.39 41 043-8047679 102 $11,773.80
7 011-6063376 392 $2,203.45 42 043-8097459 483 $7,688.08
8 011-6166741 398 $12,248.30 43 043-8284174 476 $67,403.08
9 011-6281704 352 $2,431.68 44 043-8473739 498 $44,543.04
10 022-2005777 697 $34,952.83 45 044-4431153 250 $65,287.69
11 022-2196943 392 $9,194.56 46 045-6452920 677 $4,598.35
12 023-2611718 430 $73,563.68 47 045-6517550 581 $55,390.28
13 023-2653566 308 $11,118.50 48 045-6598951 442 $34,180.88
14 023-2699495 425 $4,635.65 49 045-6756641 583 $55,659.12
15 023-2739526 601 $18,396.07 50 045-6816252 448 $18,591.93
16 023-2780982 281 $8,117.62 51 045-6923799 529 $7,397.03
17 023-2990158 429 $50,172.19 52 045-6927329 456 $6,838.59
18 023-3136655 458 $10,831.36 53 045-6984700 110 $35,617.66
19 023-3743986 606 $60,848.17 54 045-6999944 336 $21,131.63
20 023-3838515 118 $8,081.90 55 045-7036453 463 $62,579.46
21 023-4279918 140 $3,902.27 56 045-7081596 609 $54,760.73
22 023-4330268 576 $5,874.90 57 048-4604639 247 $99,703.37
23 031-2835380 452 $2,921.00 58 048-4758825 327 $8,336.19
24 031-3520997 339 $3,345.29 59 048-4809621 594 $51,448.28
25 042-8076486 526 $7,492.02 60 048-4826353 590 $20,748.46
26 042-8165218 378 $127,764.80 61 048-4934843 337 $60,987.83
27 042-8358886 368 $92,711.18 62 048-5005124 107 $4,719.74
28 042-8361016 443 $19,311.56 63 048-5032863 153 $4,037.87
29 042-8438672 182 $89,715.71 64 048-5299549 652 $121,017.60
30 042-8445746 400 $127,658.60 65 048-5344067 146 $14,911.80
31 042-8531255 523 $14,024.54 66 048-5591604 609 $81,359.94
32 042-8695318 531 $92,751.93 67 048-5721266 627 $4,978.84
33 042-8812604 347 $127,090.65 68 048-6206379 446 $95,407.91
34 043-7579368 556 $37,344.81 69 048-6698198 159 $46,613.27
35 043-7605938 613 $21,623.82 70 052-2931260 637 $15,238.25
18
Case number Days Amount paid Case number Days Amount paid
between between
agreement agreement
dates dates
71 052-2972032 654 $42,422.71 118 092-7270077 471 $17,262.61
72 052-4228540 115 $18,819.55 119 093-6298127 332 $51,477.55
73 052-4238452 692 $7,867.91 120 093-6720690 376 $5,322.92
74 052-4912822 673 $40,923.00 121 093-7093833 528 $13,315.99
75 052-5183282 595 $63,356.07 122 094-5476597 529 $80,761.69
76 052-5253949 327 $44,085.27 123 094-5495214 700 $48,787.53
77 052-5356047 135 $10,566.77 124 094-5535331 500 $7,389.57
78 052-5356295 507 $12,856.68 125 094-5682650 614 $69,189.23
79 052-5486246 518 $52,344.20 126 094-5729662 550 $16,771.28
80 052-5725828 588 $62,244.09 127 094-5755498 568 $21,865.56
81 052-6021826 502 $22,086.36 128 094-5771954 105 $29,241.57
82 061-2909280 240 $20,819.67 129 094-6041815 525 $20,342.70
83 061-2922792 624 $63,393.30 130 094-6110440 101 $20,973.90
84 061-3062255 156 $21,192.38 131 095-0511013 421 $71,578.82
85 061-3152469 628 $20,110.23 132 095-0531184 634 $9,095.57
86 061-3154975 583 $54,793.34 133 095-0663402 623 $55,689.59
87 061-3192212 418 $10,336.39 134 095-0692076 281 $75,865.79
88 061-3201678 481 $30,060.03 135 095-0739485 454 $4,213.62
89 061-3214505 419 $8,419.04 136 095-0920603 164 $97,115.78
90 061-3246555 420 $14,911.13 137 095-0937151 407 $5,528.79
91 061-3354364 446 $46,234.38 138 095-1051559 598 $61,957.02
92 061-3454876 430 $16,289.14 139 095-1296563 695 $18,624.33
93 061-3462872 543 $49,527.11 140 095-1406060 493 $7,435.39
94 061-3545478 579 $37,842.67 141 095-1657773 493 $29,754.62
95 061-3556181 134 $57,112.65 142 095-1903714 95 $8,394.38
96 061-3581593 511 $36,202.77 143 095-1942214 634 $97,619.09
97 061-3590816 102 $83,175.55 144 101-7832324 470 $11,938.15
98 061-3849052 300 $95,943.30 145 101-7996293 409 $21,538.34
99 071-1007374 416 $57,780.64 146 101-8329038 163 $5,440.35
100 071-1067860 603 $12,617.19 147 101-8806206 688 $9,820.77
101 071-1085178 431 $48,715.54 148 101-9580336 697 $31,419.17
102 071-1186536 478 $39,853.32 149 105-0040400 153 $11,356.84
103 071-1204515 481 $6,894.72 150 105-0191461 578 $24,647.19
104 071-1254166 655 $64,575.49 151 105-0526773 392 $33,293.53
105 071-1345629 665 $9,289.56 152 105-0684634 563 $28,577.65
106 081-0862011 620 $91,429.07 153 105-0891191 522 $17,013.35
107 081-0892121 440 $67,419.18 154 105-1156453 563 $5,904.33
108 091-3555584 128 $9,858.47 155 105-1322487 454 $3,818.92
109 091-3885362 702 $7,078.90 156 105-1429775 554 $12,694.23
110 091-4108716 494 $3,588.99 157 105-1541290 644 $6,726.96
111 091-4455465 399 $31,591.85 158 105-1727442 460 $31,786.42
112 091-4476328 471 $42,694.10 159 105-1797193 400 $15,729.90
113 091-4554323 270 $19,636.95 160 105-1883871 497 $39,099.71
114 091-4830076 102 $9,746.48 161 105-2029811 429 $4,316.83
115 091-4964750 599 $7,269.83 162 105-2497164 511 $22,392.96
116 091-5062315 504 $38,420.60 163 105-2673731 593 $20,998.03
117 091-5122238 397 $3,508.58 164 105-2713926 495 $5,591.94
19
Case number Days Amount paid Case number Days Amount paid
between between
agreement agreement
dates dates
165 105-2774721 345 $58,169.04 212 137-1280910 367 $4,286.59
166 105-2822392 611 $7,022.56 213 137-2234580 607 $6,998.31
167 105-2974218 366 $6,598.95 214 137-2333490 554 $14,349.86
168 105-3027449 546 $46,209.73 215 137-2463378 654 $16,606.18
169 105-3098711 722 $56,029.79 216 137-2516117 418 $82,946.06
170 105-3148462 640 $14,408.54 217 137-2717977 141 $11,347.80
171 105-3238711 642 $5,749.35 218 137-2741976 502 $35,355.16
172 105-3512353 350 $20,406.96 219 137-3196016 515 $80,651.99
173 105-3563831 609 $7,227.70 220 137-3198568 237 $6,715.21
174 105-3585423 588 $10,550.17 221 137-3833297 695 $15,904.77
175 105-3692124 429 $69,842.34 222 137-3893748 419 $51,238.13
176 105-3714992 417 $71,299.57 223 137-3896796 612 $23,138.91
177 105-3726281 395 $76,620.08 224 137-3997110 391 $12,760.73
178 105-3849493 509 $5,235.55 225 137-4022678 449 $34,528.26
179 105-4026223 481 $12,001.21 226 137-4217707 567 $8,100.43
180 105-4051654 348 $3,887.02 227 137-4622831 636 $11,156.78
181 105-4058827 420 $61,525.35 228 137-4788221 532 $9,540.39
182 105-4145319 642 $45,286.88 229 137-4788687 583 $45,612.00
183 105-4319231 540 $72,039.39 230 137-4811196 295 $6,556.00
184 105-4386627 366 $32,977.87 231 137-5003255 532 $51,457.88
185 105-4413751 492 $12,358.59 232 137-5274089 502 $66,453.84
186 105-4426154 276 $9,141.39 233 137-5413545 97 $50,829.57
187 105-4444193 97 $34,197.58 234 137-5438944 139 $8,929.26
188 105-4479872 546 $12,619.28 235 137-5761429 693 $9,103.35
189 105-4518477 425 $91,993.57 236 137-5984966 144 $9,236.66
190 105-4687829 694 $8,422.91 237 141-1474181 582 $11,105.50
191 105-4764099 663 $54,652.59 238 151-7239217 631 $9,274.55
192 105-4766468 348 $50,747.30 239 151-7398029 483 $9,791.69
193 105-4897624 93 $31,326.10 240 151-7425669 546 $7,433.45
194 105-5269653 505 $43,063.91 241 151-7650767 456 $7,065.35
195 105-5341271 123 $5,384.02 242 151-7758408 496 $7,903.44
196 105-5385462 548 $9,224.62 243 151-8114660 528 $4,736.65
197 105-5484600 405 $10,732.43 244 151-8148062 359 $7,782.61
198 105-5807943 538 $29,053.35 245 151-8358889 514 $24,988.37
199 105-5846034 527 $72,669.64 246 151-8371675 591 $50,099.20
200 105-5885487 123 $6,648.87 247 151-8448587 293 $7,377.30
201 105-6615944 462 $5,525.90 248 151-8551984 131 $9,082.20
202 121-2464420 683 $30,187.89 249 151-8615574 603 $11,120.24
203 121-2559286 688 $17,978.63 250 151-8875789 518 $5,230.12
204 131-8793178 345 $47,139.47 251 151-9396390 297 $6,030.49
205 132-1494927 129 $8,417.00 252 156-0119854 598 $4,516.22
206 132-1506686 99 $7,210.77 253 156-0270078 365 $5,451.58
207 132-1854649 407 $4,546.26 254 156-0289798 713 $30,633.92
208 132-2072880 155 $6,884.22 255 156-0295063 430 $2,247.31
209 132-2284159 355 $4,428.12 256 161-2168788 578 $10,179.71
210 137-0572521 680 $9,309.40 257 161-2239175 378 $50,411.48
211 137-1164896 138 $18,715.27 258 161-2269618 294 $3,843.75
20
Case number Days Amount paid Case number Days Amount paid
between between
agreement agreement
dates dates
259 161-2327438 618 $10,056.05 306 241-9301146 694 $41,100.51
260 161-2380065 604 $22,728.30 307 241-9503487 490 $39,081.26
261 161-2533639 543 $13,064.21 308 249-4943717 495 $31,933.37
262 161-2622027 176 $7,105.70 309 249-5052904 455 $8,432.84
263 161-2807257 149 $5,125.18 310 249-5071013 317 $120,852.67
264 181-2028920 393 $15,204.97 311 249-5118740 379 $22,167.22
265 197-3735473 447 $135,225.10 312 249-5123582 398 $58,631.26
266 197-3777378 566 $119,441.15 313 249-5185115 431 $10,439.20
267 197-3802241 609 $140,024.79 314 249-5228676 447 $141,519.20
268 197-4097389 593 $114,637.93 315 249-5238247 610 $7,749.04
269 197-4266360 392 $7,668.44 316 249-5270787 462 $40,248.03
270 197-4326911 499 $148,754.59 317 249-5343290 645 $94,423.40
271 197-4682679 302 $64,749.04 318 249-5348694 643 $4,750.92
272 197-4742772 361 $6,846.44 319 249-5371363 579 $32,336.99
273 197-5263479 449 $89,121.62 320 249-5390152 427 $112,979.87
274 201-2699908 158 $15,932.55 321 249-5409396 518 $4,408.84
275 201-3788898 492 $42,955.35 322 249-5419030 604 $86,456.71
276 201-4003256 479 $50,343.39 323 249-5459833 419 $17,839.00
277 201-4095138 407 $15,994.03 324 251-3379356 588 $25,750.87
278 201-4242563 578 $7,054.43 325 251-3541750 116 $98,045.66
279 201-4304782 526 $9,625.88 326 251-3577340 105 $38,459.31
280 201-4360676 379 $7,829.00 327 251-3673406 364 $10,189.74
281 201-4702099 531 $21,194.74 328 251-3704397 655 $7,153.40
282 221-3161034 493 $7,281.23 329 251-3757593 92 $19,717.49
283 221-3686103 537 $9,032.44 330 251-3768097 587 $29,853.15
284 221-3822014 181 $9,951.68 331 251-4031841 421 $89,795.41
285 221-3873080 497 $1,959.25 332 251-4045680 183 $51,317.25
286 221-3883479 343 $45,982.74 333 251-4280632 158 $49,655.46
287 221-3961728 485 $10,865.43 334 251-4426446 161 $97,078.05
288 221-3989624 632 $6,807.40 335 251-4477556 465 $68,895.54
289 221-4203153 435 $55,035.88 336 251-4483597 482 $98,948.94
290 221-4232484 386 $4,699.81 337 251-4529125 590 $21,301.75
291 222-1661966 702 $7,120.20 338 251-4647579 106 $74,675.01
292 231-0750355 141 $2,629.64 339 251-4651646 605 $9,705.17
293 241-7917496 422 $79,373.65 340 251-4667255 342 $36,368.67
294 241-8002541 532 $7,828.99 341 261-6732588 554 $15,080.53
295 241-8091419 408 $126,700.01 342 261-8270368 301 $9,842.46
296 241-8481018 428 $3,063.48 343 261-8973506 130 $11,120.94
297 241-8491724 519 $40,275.49 344 262-1417518 175 $13,414.22
298 241-8548740 407 $93,321.46 345 262-1442508 522 $24,909.10
299 241-8612985 127 $38,539.62 346 263-3737705 232 $25,576.67
300 241-8720333 357 $13,484.82 347 263-4380423 595 $19,162.47
301 241-8751206 408 $113,472.98 348 263-4569039 340 $5,838.90
302 241-8787115 571 $34,245.12 349 263-4896877 510 $5,860.60
303 241-8889905 411 $57,808.59 350 263-4935827 697 $8,587.65
304 241-8900661 527 $68,790.92 351 264-0188299 593 $7,927.76
305 241-9059977 559 $16,963.36 352 264-0648583 504 $5,871.48
21
Case number Days Amount paid Case number Days Amount paid
between between
agreement agreement
dates dates
353 271-8783070 141 $19,867.51 400 351-5568877 559 $62,635.09
354 271-9193129 681 $12,980.69 401 351-5583533 530 $91,422.32
355 271-9207076 357 $51,282.04 402 351-5656196 698 $64,268.04
356 271-9429861 342 $4,324.39 403 351-5688980 455 $120,794.91
357 271-9519705 129 $12,100.08 404 351-5896683 513 $25,754.55
358 271-9582693 484 $62,592.83 405 352-5313749 548 $51,536.64
359 277-0183697 413 $8,714.92 406 352-5480455 576 $101,891.08
360 277-0234356 121 $88,521.77 407 352-5625864 677 $42,570.96
361 277-0346066 129 $20,505.29 408 352-5781713 107 $60,370.84
362 277-0622969 318 $6,602.19 409 352-6009124 527 $10,406.42
363 281-3056823 529 $5,620.28 410 352-6095814 461 $108,589.51
364 281-3135797 425 $6,163.22 411 352-6143666 418 $55,440.50
365 281-3155704 439 $28,484.98 412 352-6144077 646 $94,497.10
366 281-3245714 403 $35,267.35 413 352-6151859 439 $124,033.92
367 281-3464563 538 $16,896.93 414 352-6346976 291 $102,961.07
368 281-3500704 168 $25,255.27 415 352-6366993 154 $44,087.53
369 281-3512856 314 $27,861.63 416 352-6396030 647 $146,746.85
370 281-3579099 123 $7,840.40 417 352-6615177 610 $78,738.98
371 291-3178070 635 $3,635.88 418 352-6694679 591 $45,548.62
372 291-3519779 610 $2,403.95 419 352-6776370 302 $27,306.47
373 291-3575548 322 $55,556.13 420 352-6776778 129 $5,119.28
374 291-3884230 458 $19,030.98 421 352-6836308 603 $122,239.10
375 291-3901027 454 $27,939.56 422 352-6854432 511 $13,259.67
376 291-3949529 541 $8,031.88 423 352-6990850 457 $10,171.13
377 291-4496117 365 $3,969.85 424 361-2960270 137 $12,231.80
378 292-5492835 504 $32,987.26 425 371-3729341 362 $19,620.38
379 292-5606261 470 $5,231.80 426 371-3762920 558 $10,975.55
380 292-5940435 490 $9,575.73 427 371-3872278 476 $107,933.76
381 292-5979754 580 $4,220.49 428 371-3943640 512 $15,746.22
382 311-1857247 482 $13,294.63 429 371-4103091 668 $5,235.10
383 311-1985891 481 $5,828.29 430 371-4162859 435 $8,298.43
384 321-2103049 303 $19,431.67 431 372-3417282 591 $14,322.19
385 321-2549015 500 $24,511.63 432 372-3586345 178 $12,608.05
386 331-1277759 330 $72,895.36 433 372-3702738 380 $18,830.67
387 331-1309664 404 $6,641.56 434 372-3725587 430 $26,985.45
388 332-4512061 608 $28,540.83 435 372-3732492 460 $24,583.99
389 332-4609963 642 $94,048.64 436 372-4058317 473 $60,481.98
390 332-5095261 146 $80,876.18 437 374-4327121 454 $19,221.11
391 341-0893357 689 $102,521.51 438 374-4687315 674 $22,807.71
392 341-1046508 585 $18,802.09 439 374-4701656 302 $10,518.73
393 351-3540608 155 $26,425.20 440 374-4821304 320 $102,122.70
394 351-4300524 668 $20,765.40 441 374-4913872 449 $33,157.16
395 351-4811442 638 $97,911.93 442 374-5032279 183 $77,178.11
396 351-4879739 585 $20,692.56 443 374-5036270 473 $129,243.78
397 351-4981480 413 $50,603.12 444 374-5036518 385 $131,990.30
398 351-5378604 298 $43,983.44 445 374-5147528 106 $5,795.90
399 351-5414543 156 $48,455.58 446 374-5226138 307 $94,539.44
22
Case number Days Amount paid Case number Days Amount paid
between between
agreement agreement
dates dates
447 374-5264629 574 $80,458.93 494 412-5790379 540 $113,426.57
448 374-5353128 144 $15,431.28 495 412-5885810 190 $65,112.88
449 374-5387637 460 $88,162.17 496 412-5983993 505 $20,004.98
450 374-5628421 367 $100,687.02 497 412-6069557 381 $9,392.14
451 374-5755723 358 $134,809.65 498 412-6373741 468 $29,007.53
452 374-6191505 637 $29,837.55 499 412-6401524 504 $2,113.18
453 381-7011871 671 $5,471.52 500 412-6550401 486 $3,980.53
454 381-7131723 707 $52,785.44 501 412-7090839 113 $15,761.96
455 381-7235210 315 $8,908.95 502 413-3759129 121 $4,984.48
456 381-7613464 381 $2,620.52 503 413-4788269 691 $14,400.15
457 381-7616962 299 $14,448.70 504 413-5158875 549 $51,989.45
458 381-7657635 253 $48,415.94 505 413-5178183 328 $60,390.16
459 381-7712322 629 $10,040.71 506 413-5330249 383 $20,982.79
460 381-7884022 693 $4,357.89 507 421-4212399 481 $11,041.27
461 381-8192706 524 $7,092.40 508 421-4574111 504 $4,703.90
462 381-8203351 438 $8,836.13 509 421-4842055 590 $80,843.03
463 381-8209298 456 $9,293.74 510 421-4896625 375 $8,873.56
464 381-8244015 430 $9,006.17 511 422-2566871 513 $5,011.50
465 381-8317418 97 $9,318.91 512 422-2919353 295 $3,309.68
466 381-8387057 628 $5,231.69 513 422-2929288 368 $29,183.06
467 381-8433594 714 $38,104.91 514 431-4628225 303 $91,642.67
468 381-8542312 429 $9,668.66 515 431-4789265 607 $12,250.26
469 381-8569423 580 $59,634.07 516 431-4817678 601 $39,951.13
470 381-8705407 672 $6,120.90 517 431-5197965 512 $70,674.35
471 381-8709937 516 $43,641.32 518 441-6805597 245 $13,066.22
472 381-8873522 312 $3,225.05 519 441-6915849 502 $9,516.35
473 381-8923317 525 $15,304.51 520 441-7807008 347 $30,005.60
474 381-9067634 654 $19,468.89 521 441-7891892 499 $7,136.58
475 381-9321965 376 $2,390.26 522 441-7953373 616 $63,645.65
476 387-0066443 421 $3,258.47 523 441-7981821 424 $15,387.15
477 387-0082610 351 $41,322.51 524 441-8147722 434 $44,729.67
478 387-0091504 504 $40,877.00 525 441-8148771 488 $39,466.53
479 387-0112157 637 $17,035.33 526 441-8367525 437 $4,521.74
480 387-0479332 442 $77,699.32 527 441-8502345 505 $18,155.74
481 411-4036331 585 $10,313.11 528 441-8567562 474 $34,689.24
482 411-4158662 457 $32,406.74 529 441-8631619 597 $5,436.09
483 411-4441248 356 $6,137.72 530 441-8865978 101 $1,356.84
484 411-4450343 618 $7,230.12 531 441-8879222 598 $65,471.11
485 411-4559095 427 $4,294.34 532 441-8882034 463 $5,393.34
486 411-4603193 442 $8,417.70 533 441-8996606 331 $59,653.45
487 412-4715030 126 $2,715.09 534 441-9115364 480 $35,090.79
488 412-4722144 460 $8,598.08 535 441-9149158 468 $9,898.81
489 412-4892844 157 $31,791.91 536 441-9210339 104 $8,189.55
490 412-5455939 452 $6,058.65 537 441-9439423 477 $3,372.49
491 412-5472127 202 $21,212.90 538 441-9482890 439 $7,953.31
492 412-5647669 708 $14,912.84 539 441-9566613 482 $13,011.18
493 412-5779610 124 $14,678.64 540 441-9578578 128 $28,780.00
23
Case number Days Amount paid Case number Days Amount paid
between between
agreement agreement
dates dates
541 441-9587058 512 $67,651.72 588 491-8930065 601 $31,587.00
542 442-2211090 112 $9,599.00 589 491-9108507 691 $41,958.09
543 442-2234663 108 $8,376.50 590 491-9279092 507 $43,869.29
544 442-2803400 574 $13,327.69 591 491-9381544 383 $5,437.83
545 446-0131325 610 $12,924.73 592 491-9465486 486 $3,480.77
546 446-0210122 497 $6,414.68 593 492-5251584 474 $25,593.23
547 446-0379438 148 $28,094.32 594 492-6381782 658 $7,755.51
548 446-0501668 183 $26,503.92 595 492-7242863 622 $4,293.15
549 446-0602011 417 $6,528.41 596 492-8151355 463 $5,212.34
550 446-0798692 469 $10,197.71 597 492-8285888 365 $38,843.06
551 451-0560488 257 $14,399.64 598 492-8417821 440 $71,023.29
552 451-1100701 204 $9,315.30 599 492-8444698 320 $51,134.46
553 461-4130945 492 $33,700.08 600 492-8585250 319 $5,688.88
554 461-4181999 386 $7,330.36 601 492-9053896 635 $40,937.98
555 461-4198522 113 $3,210.72 602 493-6171527 600 $11,977.99
556 461-4266826 519 $34,786.20 603 493-7330149 642 $41,859.76
557 461-4296081 432 $47,558.33 604 493-7941494 668 $51,529.52
558 461-4334535 489 $67,076.33 605 493-7996078 582 $14,656.02
559 461-4434276 458 $3,826.59 606 493-8187676 566 $7,688.10
560 461-4758512 334 $32,326.92 607 493-8311458 458 $61,679.28
561 461-4926006 183 $34,538.64 608 493-8412556 563 $7,578.08
562 461-5086825 589 $50,516.34 609 493-8412874 544 $4,366.95
563 461-5088391 424 $14,192.26 610 493-8502385 425 $71,058.56
564 461-5110086 569 $6,153.40 611 493-8541530 701 $7,653.22
565 481-2746315 377 $14,848.28 612 493-8594086 421 $7,093.48
566 481-2934121 586 $22,251.32 613 493-8607614 405 $7,149.60
567 481-2972454 365 $4,490.15 614 493-8640361 474 $33,789.85
568 482-3489285 583 $1,968.82 615 493-8778187 386 $26,183.91
569 482-3815024 584 $33,844.94 616 493-8804530 662 $21,744.16
570 482-3830348 428 $6,616.91 617 493-9323163 574 $8,478.12
571 482-3856268 427 $28,193.19 618 493-9397948 449 $3,217.96
572 482-3974414 110 $6,695.86 619 493-9422231 521 $8,372.59
573 482-4111929 295 $38,024.27 620 493-9502960 446 $6,416.03
574 482-4263471 322 $26,488.71 621 493-9625961 571 $11,896.42
575 483-2724946 642 $5,027.75 622 493-9677170 502 $15,868.07
576 483-3019590 647 $10,369.80 623 494-3321996 687 $31,687.69
577 483-3484602 450 $19,163.60 624 494-3342270 422 $26,310.80
578 483-3817306 594 $9,892.98 625 495-6484574 672 $3,725.18
579 483-3859663 549 $12,975.29 626 495-7806019 479 $4,152.39
580 483-3907850 621 $6,737.13 627 495-7889609 345 $30,067.35
581 483-3942324 428 $47,881.06 628 495-8213250 482 $15,046.01
582 483-4130427 590 $66,783.21 629 495-8466567 191 $4,209.65
583 491-7329200 407 $7,050.95 630 495-8657827 442 $4,921.73
584 491-7757444 566 $8,487.20 631 495-8669684 584 $8,787.85
585 491-7806160 621 $18,056.53 632 495-8724031 528 $65,235.87
586 491-8432186 614 $6,728.67 633 501-8302714 728 $46,300.43
587 491-8921136 520 $9,518.93 634 511-0046411 600 $21,377.13
24
Case number Days Amount paid Case number Days Amount paid
between between
agreement agreement
dates dates
635 511-0057198 352 $27,026.86 672 548-4807315 174 $63,530.84
636 511-0602023 188 $48,038.64 673 561-8346174 564 $3,370.32
637 512-0007580 523 $59,994.45 674 561-8497023 473 $94,497.48
638 512-0029403 553 $16,837.48 675 561-8740297 145 $5,606.99
639 521-5570136 483 $9,909.85 676 561-8869163 608 $93,460.46
640 521-6152628 513 $4,187.42 677 561-8903180 549 $96,276.58
641 521-6273171 463 $4,612.08 678 561-9094456 641 $22,280.36
642 521-7065583 566 $55,542.05 679 561-9359883 337 $6,194.24
643 521-7120476 171 $63,203.98 680 561-9550285 419 $64,069.60
644 521-7436580 99 $26,590.43 681 561-9679402 657 $34,383.12
645 521-7471524 150 $19,564.56 682 562-2221454 619 $13,022.05
646 521-7474747 425 $50,001.22 683 562-2264443 420 $3,170.23
647 521-7582041 118 $8,669.02 684 571-0786691 445 $16,128.40
648 521-7629126 373 $12,732.00 685 581-2423036 461 $16,898.52
649 521-7684457 272 $57,149.61 686 581-2557211 702 $17,869.28
650 521-7750953 159 $45,614.80 687 581-2575635 280 $6,937.40
651 531-0238169 448 $93,312.12 688 581-2703352 464 $46,452.89
652 541-7026200 404 $34,219.64 689 581-2820969 499 $6,686.46
653 541-7561519 400 $4,955.89 690 581-2992780 380 $3,867.64
654 541-7597037 521 $48,034.12 691 581-3009854 602 $7,212.06
655 541-7620217 497 $47,250.88 692 581-3145925 554 $12,545.25
656 541-7685676 545 $54,361.16 693 581-3163311 693 $34,820.89
657 541-7714743 351 $68,199.43 694 581-3190300 373 $7,901.29
658 541-7840222 107 $5,938.85 695 581-3221233 179 $3,563.93
659 541-7923861 456 $12,492.46 696 581-3262375 397 $44,090.44
660 541-8021399 492 $20,177.43 697 581-3409313 623 $21,169.62
661 541-8081635 500 $7,075.34 698 581-3438752 677 $14,880.70
662 541-8239553 538 $11,008.65 699 581-3574222 119 $29,652.51
663 541-8365005 624 $27,016.62 700 581-3603227 138 $25,022.81
664 541-8556638 566 $61,028.19 701 581-3641514 440 $58,436.42
665 541-8566115 474 $72,072.07 702 581-3843806 467 $41,298.88
666 541-8669056 716 $24,143.90 703 591-0992276 414 $35,417.35
667 541-8893454 319 $29,098.08 704 591-1013808 483 $9,550.80
668 541-9068016 394 $30,524.06 705 591-1058777 604 $6,380.55
669 541-9401473 104 $20,175.11 Total paid $22,219,469.99
670 548-4623453 675 $39,577.50
671 548-4661871 503 $75,226.24
25
Appendix E
Potential Duplicate Claims Identified
The table below details the claims that appeared to be duplicate payments because the partial
note amounts were equal for claims processed between July 1, 2012, and June 30, 2014.
“Duplicates repaid to HUD” include funds that the servicer already remitted to HUD and the
“duplicates due to HUD” include claims where HUD billed the servicer.
Case Duplicate Agreement Agreement Partial note Duplicates Duplicates
number date 1st date 2nd amount repaid to due to HUD
claim claim both claims HUD
1 011-5838984 Yes 4/17/2012 9/27/2012 $1,683.59 $0.00 $1,683.59
2 011-6210976 Yes 8/9/2012 9/21/2012 $4,021.85 $4,521.85 $0.00
3 052-4751339 Yes 3/10/2011 4/22/2011 $17,936.86 $0.00 $17,936.86
4 093-5072739 No 5/30/2007 4/25/2014 $8,875.34
5 093-6810823 No 1/4/2012 7/24/2013 $9,902.80
6 094-5441149 Yes 8/9/2012 9/9/2012 $20,289.36 $20,289.36 $0.00
7 094-5956370 Yes 11/1/2011 11/9/2011 $28,094.19 $28,094.19 $0.00
8 105-3105307 Yes 1/14/2011 12/14/2012 $4,953.09 $0.00 $4,953.09
9 105-3760400 Yes 9/18/2012 10/1/2012 $1,551.76 $1,551.76 $0.00
10 105-3831700 Yes 11/12/2012 11/15/2012 $9,935.99 $9,935.99 $0.00
11 137-4458370 No 2/17/2012 10/16/2013 $10,180.48
12 201-3661983 Yes 9/4/2012 10/1/2012 $8,477.00 $8,977.00 $0.00
13 221-3895789 Yes 5/3/2012 7/12/2012 $4,472.39 $4,472.39 $0.00
14 241-7858063 Yes 6/8/2012 9/19/2012 $38,161.20 $0.00 $38,161.20
15 251-4221673 Yes 10/30/2012 1/1/2013 $28,580.54 $28,580.54 $0.00
16 372-3618244 No 10/30/2012 2/18/2014 $9,903.24
17 483-1704679 Yes 5/16/2013 6/18/2013 $3,165.72 $3,665.72 $0.00
18 483-3774485 No 12/14/2009 12/5/2012 $6,917.92
19 493-8818914 Yes 7/25/2012 9/17/2012 $20,602.37 $0.00 $20,602.37
20 521-6626566 Yes 9/2/2012 9/22/2012 $15,513.64 $15,513.64 $0.00
21 548-4688930 Yes 5/15/2012 8/3/2012 $20,588.19 $0.00 $20,588.19
Total duplicates 16 $125,602.44 $103,925.30
26
Appendix F
Partial Claims Paid Above 30 Percent of the Initial Unpaid Balance
The table below details claims with a partial note amount above 30 percent of the unpaid balance
at the time of default for claims with default dates between December 1, 2013, and January 24,
2015
Cumulative partial
Case Current partial Cumulative Initial unpaid
claims above 30% initial
number claim partial claims balance
unpaid balance
1 043-7463945 $60,542.96 $76,815.65 $255,807.32 $73.45
2 052-3715761 $45,630.96 $50,609.20 $168,207.47 $146.96
3 061-2609900 $4,581.90 $17,368.64 $12,786.74 $13,532.62
4 061-2839847 $58,916.32 $66,033.52 $206,850.14 $3,978.48
5 061-3011526 $59,910.68 $74,128.98 $246,277.85 $245.62
6 061-3416718 $68,111.85 $82,237.34 $272,641.96 $444.75
7 091-3477680 $12,953.37 $15,085.17 $49,884.50 $119.82
8 092-8632640 $28,369.55 $42,582.53 $131,825.90 $3,034.76
9 092-9168443 $38,495.86 $45,729.22 $13,805.01 $41,587.72
10 094-3560254 $10,779.98 $20,133.72 $57,891.75 $2,766.19
11 094-5157412 $31,501.56 $42,884.32 $133,241.54 $2,911.86
12 095-0168201 $50,875.69 $61,703.17 $190,338.73 $4,601.55
13 101-9357280 $47,793.54 $55,476.13 $184,151.37 $230.72
14 101-9566494 $38,829.45 $48,878.73 $157,871.82 $1,517.18
15 105-3625358 $73,274.21 $84,067.11 $279,691.37 $159.70
16 131-8801216 $13,285.91 $27,151.88 $89,227.32 $383.68
17 137-0576465 $37,287.41 $56,147.30 $161,793.82 $7,609.15
18 137-3122173 $25,475.24 $30,506.48 $93,643.98 $2,413.29
19 183-0047214 $47,414.34 $55,068.24 $173,656.15 $2,971.39
20 221-3056850 $18,444.50 $24,779.22 $62,851.43 $5,923.79
21 281-3155704 $27,984.98 $30,601.42 $100,767.56 $371.15
22 291-4194918 $19,375.40 $28,275.87 $89,437.97 $1,444.48
23 311-1753296 $2,510.52 $5,875.52 $3,365.00 $4,866.02
24 311-1858610 $13,086.83 $18,300.55 $5,213.72 $16,736.43
27
Cumulative partial
Case Current partial Cumulative Initial unpaid
claims above 30% initial
number claim partial claims balance
unpaid balance
25 341-0704680 $46,055.01 $52,143.09 $155,060.18 $5,625.04
26 351-2225522 $4,574.11 $12,660.21 $35,060.18 $2,142.16
27 351-4688462 $32,911.45 $38,916.35 $125,767.27 $1,186.17
28 352-5480455 $101,391.08 $112,643.32 $317,997.59 $17,244.04
29 374-4009154 $45,092.32 $59,244.80 $183,360.72 $4,236.58
30 374-4700089 $49,423.56 $102,324.44 $335,376.42 $1,711.51
31 381-5964098 $17,950.73 $20,819.15 $60,965.38 $2,529.54
32 381-6910406 $25,917.10 $31,611.46 $95,129.43 $3,072.63
33 381-7603473 $17,575.14 $22,741.62 $58,585.66 $5,165.92
34 411-4110647 $2,747.15 $11,073.87 $4,744.32 $9,650.57
35 412-6131359 $41,161.32 $54,351.64 $165,105.08 $4,820.12
36 413-4492327 $57,736.19 $64,182.51 $197,283.84 $4,997.36
37 441-6093463 $41,211.84 $49,437.42 $152,945.55 $3,553.75
38 441-7616303 $20,184.77 $23,370.49 $75,870.94 $609.21
39 441-7696245 $30,953.64 $38,867.07 $7,913.43 $36,493.04
40 442-1985369 $17,300.85 $26,613.45 $87,829.26 $264.67
41 483-3593259 $26,341.85 $35,092.05 $110,982.26 $1,797.37
42 491-7382031 $14,094.58 $25,008.58 $82,170.98 $357.29
43 492-6585888 $28,180.85 $35,909.68 $118,183.16 $454.73
44 493-5991288 $17,894.58 $24,378.36 $74,172.39 $2,126.64
45 493-6823406 $15,440.88 $19,666.14 $56,217.81 $2,800.80
46 493-7198918 $3,505.33 $11,972.02 $8,877.62 $9,308.73
47 493-7520416 $33,156.76 $40,119.51 $126,493.02 $2,171.60
48 493-7965796 $20,241.69 $26,138.17 $78,984.01 $2,442.97
49 493-8020008 $27,701.89 $31,879.85 $98,361.03 $2,371.54
50 493-8288529 $48,625.33 $56,856.23 $180,835.21 $2,605.67
51 493-8432471 $40,736.04 $45,229.56 $143,269.16 $2,248.81
52 501-6372338 $16,875.33 $20,918.03 $64,860.93 $1,459.75
53 521-5388809 $44,062.89 $51,128.46 $148,000.57 $6,728.29
54 521-5467331 $39,443.52 $44,476.12 $147,492.49 $228.37
55 541-7791620 $36,481.70 $42,272.26 $136,317.52 $1,377.00
56 561-8363715 $65,421.13 $82,707.09 $273,684.97 $601.60
Total partial claims paid above 30% initial unpaid balance $260,454.23
28
HUD's Claim Payment System Did Not Always Identify Ineligible FHA-HAMP Partial Claims
Published by the Department of Housing and Urban Development, Office of Inspector General on 2015-04-20.
Below is a raw (and likely hideous) rendition of the original report. (PDF)