A Banking Expert Witness with Experience
Jason D. Koontz is a national banking and lending expert witness who provides opinions on matters involving mortgage lending, loan servicing, underwriting, foreclosure practices, and debt collection activity. He has been retained by major financial institutions including Bank of America, Wells Fargo, JPMorgan Chase, First Citizens Bank, and several of the largest mortgage servicers in the United States. He has also provided expert services in matters involving Equifax and other non-lender financial services entities.
Mr. Koontz evaluates whether lender and mortgage servicer conduct was consistent with industry standards, regulatory expectations, and reasonable lending practices. His work commonly includes review of loan files, underwriting records, servicing histories, payment activity, loss mitigation efforts, modification documentation, account statements, call logs, and recorded communications.
He is frequently retained to analyze disputed loan balances, servicing errors, foreclosure activity, borrower communications, and debt collection conduct, and to provide clear, defensible opinions regarding whether the actions taken by lenders and servicers were reasonable and consistent with accepted banking and lending standards.
He is a licensed Mortgage Loan Originator (MLO) in Florida and Texas. The education, testing, and regulatory compliance required to obtain and maintain these licenses are based on national lending standards, federal law, and uniform mortgage practices that apply across all states. As a result, his opinions are grounded in current, real-world lending and compliance training that carries over to mortgage lending and servicing matters nationwide.
He is required to complete ongoing continuing education and regulatory compliance training to maintain his MLO licenses. This continuing education is based on current federal law, agency guidance, and evolving industry practices, ensuring that his opinions are informed by the most current lending standards.
Mr. Koontz evaluates whether lender and mortgage servicer conduct was consistent with industry standards, regulatory expectations, and reasonable lending practices. His work commonly includes review of loan files, underwriting records, servicing histories, payment activity, loss mitigation efforts, modification documentation, account statements, call logs, and recorded communications.
He is frequently retained to analyze disputed loan balances, servicing errors, foreclosure activity, borrower communications, and debt collection conduct, and to provide clear, defensible opinions regarding whether the actions taken by lenders and servicers were reasonable and consistent with accepted banking and lending standards.
He is a licensed Mortgage Loan Originator (MLO) in Florida and Texas. The education, testing, and regulatory compliance required to obtain and maintain these licenses are based on national lending standards, federal law, and uniform mortgage practices that apply across all states. As a result, his opinions are grounded in current, real-world lending and compliance training that carries over to mortgage lending and servicing matters nationwide.
He is required to complete ongoing continuing education and regulatory compliance training to maintain his MLO licenses. This continuing education is based on current federal law, agency guidance, and evolving industry practices, ensuring that his opinions are informed by the most current lending standards.
Retail Banks, Mortgage Loan Servicing and Commercial Banks
As a banking expert witness, these engagements encompass many aspects of retail and commercial banking.
Retail
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Mortgage Loan ServicingForeclosure
Loan Modifications Loss of Income Mortgage Loan Servicing Predatory Lending Real Estate Settlement Procedures Act (RESPA) |
Commercial BanksCash Management
Commercial Lending Debt Collection Fraud Lender Liability Loan Policies & Procedures Underwriting |
Federal and State Level Expert Witness Testimony
Jason D. Koontz has served as a banking expert witness in both state and federal courts and has extensive experience providing deposition and trial testimony. He has been retained to provide consulting and litigation support for both debtors and creditors in complex lending, servicing, and debt collection matters.
His work has included federal litigation in the United States District Court for the Southern District of New York (SDNY), as well as matters in state courts across the country. He has also been retained in class action litigation involving lending, servicing, and foreclosure practices.
Mr. Koontz provides expert witness services nationwide.
His work has included federal litigation in the United States District Court for the Southern District of New York (SDNY), as well as matters in state courts across the country. He has also been retained in class action litigation involving lending, servicing, and foreclosure practices.
Mr. Koontz provides expert witness services nationwide.
What Are Banking Expert Witness Services?
Banking and lending expert witness services involve the analysis of lender and financial institution conduct to determine whether actions taken by banks, non-bank lenders, and mortgage servicers were consistent with industry standards, regulatory expectations, and reasonable lending practices. These services are commonly used in litigation involving mortgage lending, loan servicing, foreclosure activity, debt collection, and other lending related disputes.
Mr. Koontz provides expert analysis and testimony in matters that include, but are not limited to:
Mortgage Loan Servicing
Evaluation of servicing practices, loss mitigation efforts, modification activity, payment application, borrower communications, account statements, call records, and foreclosure related conduct to determine whether servicing actions were consistent with industry standards and applicable regulatory expectations.
Lending Practices and Underwriting
Review of loan policies, underwriting standards, credit decisioning, and documentation to evaluate whether lending practices were reasonable and consistent with accepted banking standards.
Loan Disputes and Balance Reconciliation
Analysis of loan agreements, payment histories, fees, interest calculations, and disputed balances to determine whether amounts claimed were calculated properly and in accordance with the loan documents and industry practice.
Debt Collection and Bankruptcy Related Lending Issues
Evaluation of loan accounts, payment application, balances, fees, interest calculations, and servicing conduct relevant to debt collection activity and bankruptcy proceedings. This includes analysis of whether amounts claimed, statements issued, and collection actions were consistent with the loan documents, applicable rules, and accepted lending and servicing standards.
Construction Lending
Review of construction loan documentation, draw administration, loan to value and loan to cost ratios, underwriting practices, and construction lending procedures to determine whether lender actions were consistent with accepted construction lending standards.
Mr. Koontz’s expert witness services include document review, case consultation, written expert reports, deposition testimony, and trial testimony.
Mr. Koontz provides expert analysis and testimony in matters that include, but are not limited to:
Mortgage Loan Servicing
Evaluation of servicing practices, loss mitigation efforts, modification activity, payment application, borrower communications, account statements, call records, and foreclosure related conduct to determine whether servicing actions were consistent with industry standards and applicable regulatory expectations.
Lending Practices and Underwriting
Review of loan policies, underwriting standards, credit decisioning, and documentation to evaluate whether lending practices were reasonable and consistent with accepted banking standards.
Loan Disputes and Balance Reconciliation
Analysis of loan agreements, payment histories, fees, interest calculations, and disputed balances to determine whether amounts claimed were calculated properly and in accordance with the loan documents and industry practice.
Debt Collection and Bankruptcy Related Lending Issues
Evaluation of loan accounts, payment application, balances, fees, interest calculations, and servicing conduct relevant to debt collection activity and bankruptcy proceedings. This includes analysis of whether amounts claimed, statements issued, and collection actions were consistent with the loan documents, applicable rules, and accepted lending and servicing standards.
Construction Lending
Review of construction loan documentation, draw administration, loan to value and loan to cost ratios, underwriting practices, and construction lending procedures to determine whether lender actions were consistent with accepted construction lending standards.
Mr. Koontz’s expert witness services include document review, case consultation, written expert reports, deposition testimony, and trial testimony.
Areas of Expertise as an Expert Witntess
Over 20+ Years ExperienceLender Liability
Deposit Accounts Credit Administration Commercial Lending Consumer Lending Predatory Lending Debt Collection Cash Management BSA / AML Foreclosures |
Former Bank Senior VPUnderwriting
Bank Policies and Procedures Standards of Practice Loan Policy Banking Regulations Residential Mortgages Equipment Loans Loan Fraud Loan Servicing Loan Documentation |
Retain Jason D. Koontz, CRC as Your Financial Expert Witness
Why work with Jason D. Koontz?
As a senior banking professional, his experience as a banking and residential real estate expert has been trusted in more than 250 matters across the US. This includes extensive experience testifying as an expert at deposition and at trial. Clients rely on Koontz for his integrity, knowledge and experience as an expert witness.
As a senior banking professional, his experience as a banking and residential real estate expert has been trusted in more than 250 matters across the US. This includes extensive experience testifying as an expert at deposition and at trial. Clients rely on Koontz for his integrity, knowledge and experience as an expert witness.
