Our story.

Quality Mortgage Services, LLC (QMS) was started in 1992 when company founder, Tom Duncan, a HUD (U.S. Department of Housing and Urban Development) retiree and veteran, heeded requests from friends and colleagues and decided to start a small QC firm from his home office after continuous requests from industry friends. Soon thereafter his son, Tommy A. Duncan, current Chief Executive Officer, joined him in this endeavor. Together, they worked on catering to the needs of a few mortgage banking clients,  while creating an audit methodology and reports that would help satisfy industry obstacles during a time when paper, carbon copies and typewriters were considered the tools of the trade.

QMS was incorporated in 1999.  Building on Tom Duncan's vision, the father and son team successfully grew the company into a premier boutique nationwide provider of mortgage QC services.  This has included the development of the Mortgage Analysis Review Software (MARS) system, an advanced auditing platform used by lenders, to include powering the entire QMS product suite. Tommy's wife, Claudia Duncan recently took over the daily operations at QMS as President.  Claudia brings a unique set of global business and marketing experience that is already making an impact on the innovative direction of the company.

QMS attributes its industry success to the commitment to stay abreast of the rapid and constant regulatory and compliance changes in our industry and to consistently producing solutions that address cutting edge trends.

Today, QMS is The Mortgage Quality Control and Audit Technology Solutions Company. QMS is a well-established boutique company and recognized outsource provider of quality control services to  financial institutions, including banks, mortgage bankers, credit unions and other financial entities across the United States, HI and Puerto Rico. Focusing on audit needs, QMS offers QC services for Pre-funding, Post-Closing, MERS reconciliation and document audits, anti-money laundering, and other QC services required by the various private investors and governmental agencies. QMS is also the provider of mortgage technology solutions through its proprietary software called MARS (Mortgage Analysis Review Software).



As a member of the Mortgage Bankers Association (MBA), American Bankers Association (ABA), Independent Community Bankers of America (ICBA), and Tennessee Mortgage Bankers Association (TNMBA) QMS stays abreast of continually changing interagency guidelines, including CFPB, OCC and other regulatory agency requirements. The QMS staff of mortgage auditors are provided with the most up-to-date training tools and information in which to conduct mortgage quality control and mortgage due diligence audits, as well as federal regulatory reviews.


QMS houses its servers and systems in  a state-of-the-art facility to ensure SSAE16, SOC 1 and SOC 2 compliance.  Meeting the highest industry standards possible,   QMS strives to provide its clients with excellence in its services and a great customer service experience. QMS also has a SOC 2 validation by the AICPA for ensuring internal controls, processes and security practices.