When we look at the history on loans as reported on CBRs, there is one CRA that does not consistently report the ratings. Before we dig much deeper into this, does anyone know if any CRAs report these ratings differently based on loan type or some other factor? At first it looked like a portfolio vs. serviced loan difference, but now maybe not. On the same CBR, I can see the same CRA not reporting ratings on a completely different loan. Same CRA in each instance.
Bottom line.....I'm wondering if we are reporting these correctly or if there is some difference at that CRA.