We audited the HUD Office of Housing Counseling to assess its processes for achieving its goal to advance homeownership through prepurchase and postpurchase homeownership counseling, including its use of performance metrics and the collection and use of outcome data.  We selected this review because housing counseling plays a significant role in improving housing outcomes for home buyers, homeowners, and renters.HUD’s Office of…

We audited the U.S. Department of Housing and Urban Development’s (HUD) Office of Community Planning and Development’s (CPD) monitoring of grantees’ compliance with civil rights requirements. Our audit focused on the Community Development Block Grant (CDBG) and the HOME Investment Partnerships Program (HOME). Our audit objective was to assess the extent to which CPD monitored civil rights compliance in its program activities.CPD could…

We audited loanDepot.com to evaluate its quality control (QC) program for originating and underwriting Single Family Federal Housing Administration (FHA)-insured loans.  We selected loanDepot for review based on its loan volume and delinquency rate and because its rate of self-reporting loans to HUD when it identified fraud, material misrepresentations, and other material findings that it could not mitigate was below average for…

This report was issued from a developing series of six reports taking an in-depth look at how six communities used the pandemic funding they received to address a wide range of needs. This report focused on White Earth Nation Reservation in Minnesota with a detailed look at ten of the 56 pandemic programs that provided funding to the community. This report was led by the Pandemic Relief Accountability Committee (PRAC) in coordination…

We performed an audit of CMG Mortgage, Inc., to evaluate its quality control (QC) program for originating and underwriting Single Family Federal Housing Administration (FHA)-insured loans.  We selected CMG for review based on its loan volume and delinquency rate and because its rate of self-reporting loans to HUD when it identified fraud, material misrepresentations, and other material findings that it could not mitigate was below…

This report was issued from a developing series of six reports taking an in-depth look at how six communities used the pandemic funding they received to address a wide range of needs. This report focused on Coeur d’Alene, Idaho, with a detailed look at six of the 27 pandemic programs that provided funding to the community. This report was led by the Pandemic Relief Accountability Committee (PRAC) in coordination with HUD OIG as a…

This report was issued from a developing series of six reports taking an in-depth look at how six communities used the pandemic funding they received to address a wide range of needs. This report focused on Sheridan County, Nebraska, with a detailed look at six of the 31 pandemic programs that provided funding to the community. This report was led by the Pandemic Relief Accountability Committee in coordination with HUD OIG as a project…

We audited HUD’s management of its FHA appraiser roster to determine whether the roster was accurate and reliable.  We selected this review because a prior audit identified weaknesses related to roster oversight and because this topic aligns with HUD’s strategic goals related to promoting home ownership and strengthening its internal capacity, as well as increased interest in the appraisal process.  HUD’s FHA appraiser…

This report was issued from a developing series of six reports taking an in-depth look at how six communities used the pandemic funding they received to address a wide range of needs. This report focused on Coeur d’Alene, Idaho, with a detailed look at eight of the 45 pandemic programs that provided funding to the community. This report was led by the Pandemic Relief Accountability Committee (PRAC) in coordination with HUD OIG as a…

We audited the Puerto Rico Housing Finance Authority’s (PRHFA) Homebuyer Assistance Program (HBA), which provides eligible applicants with closing costs and downpayment assistance for the purchase of a primary residence.  The U.S. Department of Housing and Urban Development (HUD) provided its grantee, the Puerto Rico Department of Housing (PRDOH), $495 million in Community Development Block Grant Disaster Recovery funds for HBA…

We audited the U.S. Department of Housing and Urban Development (HUD), Office of Single Family Housing’s Federal Housing Administration (FHA) Resource Center’s handling of housing discrimination inquiries.  We initiated the audit to assist HUD with ensuring that the FHA Resource Center (1) provided accurate and complete information on potential housing discrimination to its customers and (2) ensured that instances of potential…

We audited the U.S. Department of Housing and Urban Development’s (HUD) temporary policy for endorsement of loans with COVID-19 forbearance activity because an analysis of data in HUD’s systems showed that there may have been loans that did not comply with the policy’s requirements.  The policy was one aspect of HUD’s broader emergency response to COVID-19, which also included an eviction moratorium and loan forbearance for…

The Office of Community Planning and Development (CPD) traditionally uses onsite monitoring to monitor its grantees.  However, in response to the coronavirus disease 2019 pandemic, CPD shifted to 100 percent remote monitoring.  Monitoring was momentarily paused in fiscal year (FY) 2020 and was reinstituted remotely in FY 2021. To support its remote monitoring approach, CPD launched the Grantee Document Exchange (GDX), an…

HUD OIG performed the ninth of the ongoing audits of the Lower Manhattan Development Corporation’s (LMDC’s) administration of the Community Development Block Grant (Block Grant) Disaster Recovery Assistance funds provided to the State of New York following the September 11, 2001, terrorist attacks on the World Trade Center in New York City.  HUD has allocated $2.783 billion in Disaster Recovery Assistance funds to the LMDC. …