source:
  type: guide
  id: hud-4000-1-v-c-identifying-patterns
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part V — c. Identifying
    Patterns (05/09/2022)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part V — c. Identifying
    Patterns (05/09/2022).
  coverage_tier: operative
obligations:
- id: hud-4000-1-v-c-identifying-patterns-full
  canonical_id: hud-4000-1-v-c-identifying-patterns-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part V — c. Identifying
    Patterns (05/09/2022)
  type: do
  tags:
  - regulator-direct
  - fha
  - hud-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: FHA Single Family Housing Policy Handbook 4000.1, Part V — c. Identifying
      Patterns (05/09/2022)
    source_class: hud-handbook
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-05-23T00:28:40Z'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: c. Identifying Patterns (05/09/2022) i. Standard The Mortgagee
      must review its loan performance data to identify any patterns of noncompliance.
      ii. Required Documentation The Mortgagee must document the methodology used
      to review patterns of noncompliance, the results of each review, and any corrective
      actions taken as a result of review Findings. The procedures used to review
      patterns of noncompliance must be included in the Mortgagee’s QC Plan. Title
      II Mortgagees may use HUD’s Neighborhood Watch Early Warning System (Neighborhood
      Watch) to assist with identifying patterns.
  judgment: false
