J.D. Koontz, CRC
(646)397-3835
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Jason D Koontz, CRC 
Banking Expert Witness & Consulting


 
Jason D. Koontz is an independent banking and lending expert witness and former bank Senior Vice President with more than twenty years of hands-on experience in lending, loan servicing, underwriting, cash management, and bank operations. He has been retained in more than 250 matters nationwide and provides analysis and testimony focused on whether lender and servicer conduct was consistent with industry standards and reasonable lending practices. He is a licensed Mortgage Loan Originator in Florida and Texas and his opinions are informed by ongoing regulatory and compliance training based on federal lending laws and uniform mortgage standards that apply across all states.
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Preparing to provide expert witness testimony in a federal court proceeding.
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Expert Witness in Banking, Lending, and Real Estate​

With extensive experience in the financial and real estate sectors, Koontz specializes in a broad range of banking and lending matters, including:​

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Consumer Lending​

  • Real Estate Settlement Procedures Act (RESPA) compliance
  • Consumer protection regulations
  • Debt collection practices
  • Deposit account management
  • Lender liability issues
  • Truth in Lending Act (TILA) compliance
  • Predatory lending
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Commercial Lending

  • BSA / AML compliance
  • Loan structuring
  • Debt collection
  • Fraud detection
  • Lender liability disputes
  • Loan policies and procedures
  • Underwriting practices
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Retail Banks & Mortgage Servicing

  • USPAP compliance
  • Loan policies and procedures
  • Income loss assessments
  • Mortgage loan applications & underwriting
  • Mortgage loan servicing standards
  • Bank lending practices

Media Mentions

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Qualified Expert Witness


J.D. Koontz is a banking expert who has been interviewed and quoted by media outlets on financial and lending-related issues.
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Importance of  Expert Witness Testimony

Expert witnesses play an essential role in litigation by helping courts and counsel understand complex factual and technical issues. Their role is not to advocate for either side, but to provide objective analysis based on education, training, and real-world experience so that disputes can be evaluated fairly and accurately.

In banking and lending litigation, expert testimony is often necessary to assess whether conduct by lenders, mortgage servicers, or other financial institutions was consistent with industry standards, regulatory expectations, and reasonable practices. These cases frequently involve mortgage lending, loan servicing, foreclosure activity, payment application, disputed balances, and borrower communications, issues that require specialized knowledge and context.
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Expert witnesses may be retained by creditors, servicers, or consumers. While many cases involve allegations against financial institutions, there are also matters where lenders and servicers acted appropriately, as well as cases where errors occurred and corrective action was warranted. A qualified expert evaluates the facts and records, not the identity of the party.

Impartiality and credibility are the cornerstones of expert testimony. An expert’s opinions must be grounded in the documentary record, supported by facts, and independent of the parties involved. Whether providing consulting services, deposition testimony, or trial testimony, the expert’s responsibility is to assist the court with reliable, well-supported analysis.
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Jason Koontz provides banking and lending expert witness services focused on clarity, objectivity, and adherence to accepted industry standards. His experience allows him to evaluate complex financial disputes in a balanced and defensible manner, regardless of which side has retained him.
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Client List (By Category)​

Lending

  • 21st Mortgage Corporation
  • JPMorgan Chase Bank
  • ​CitiFinancial ​
  • ​Bank of America
  • Santander Consumer USA
  • Truist
  • U.S. Bank
  • ​Bank of New York Mellon
  • USAA Federal Savings Bank
  • Vanderbilt Mortgage & Finance
  • Wells Fargo Bank
  • Well Fargo Home Mortgage
  • see full client list


Mortgage Loan Servicers

  • ​Bayview Loan Servicing
  • Carrington Mortgage Services
  • Fay Mortgage Services​
  • ​Lakeview Loan Servicing
  • ​Loancare
  • ​Nationstar Mortgage dba Mr. Cooper
  • ​Ocwen Loan Servicing
  • PHH Mortgage
  • ​Roundpoint Mortgage Servicing
  • ​Rushmore Loan Management
  • ​Selene Finance
  • & 6+ others...

​Accounts Receivable Management & Others

  • ​Portfolio Recovery Associates
  • ​Select Portfolio Servicing
  • American Electric Power
  • ​CBC Innovis
  • ​CMH Homes, Inc.
  • Cranberry Pipeline Corporation
  • ​Crown Castle USA
  • Equifax
  • Fannie Mae
  • ​Freddie Mac
  • Seneca Trustees
  • Universal Credit Services
  • ​see full client list
Set Up a Consultation
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Jason D Koontz Expert Witness and Consultant Charleston, WV

Jason D Koontz
Expert WItness & Consultant

(646) 397 - 3835
Email: [email protected]
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