Mortgage Servicing and Loan Modifications: 3.5.2.3 Aggregate Analysis
To conduct an escrow account analysis, the servicer must first estimate the amounts of the various disbursements. If the servicer knows what the charge for a particular escrow item will be in the next computation year, then that amount is to be used.588 If the charge is unknown to the servicer, the servicer may base the estimate on the charge from the preceding year, or use the preceding year’s charge as adjusted by the most recent year’s change in the Consumer Price Index.589