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We audited the Federal Housing Administration (FHA)-insured loan process at All Western Mortgage’s Las Vegas, NV, home office as part of our efforts to improve the integrity of the single-family insurance programs. We selected All Western Mortgage because it is one of the top 10 originators in Nevada and the U.S. Department of Housing and Urban Development’s (HUD) Quality Assurance Division had not performed a review since 2005. The objective of our review was to determine whether All Western Mortgage complied with HUD’s regulations, procedures, and instructions in the origination of FHA-insured loans and whether its quality control plan met HUD’s requirements.

All Western Mortgage, as a former loan correspondent and current nonsupervised lender, generally met HUD requirements for the origination of FHA-insured single-family loans. However, All Western Mortgage did not follow HUD requirements concerning unallowable outside employment and timely quality control reviews.

We recommend that HUD (1) require All Western Mortgage to submit updated policies and procedures related to outside employment, and (2) review quality control reports to ensure that All Western Mortgage completes quality control reviews in a timely manner.