About me
Jay Patterson is a nationally recognized forensic accountant and Certified Fraud Examiner. He is
the owner of Full Disclosure LLC since 2007. His practice is limited to forensic and
investigative accounting, auditing, and data analytics relating to various loan servicing functions,
processes and document forensics. Jay has specialized knowledge in these areas and has testified
as an expert witness in a variety of jurisdictions, including state courts, federal courts and
legislative bodies. He has developed methodologies used in the investigation, examination and
analyses of loan servicing transactions and processes. He has extensive knowledge of the data
that is available from the major mortgage servicing systems including MSP, LSAMS,
RealServicing, among others. He regularly teaches attorneys, attorneys general, county
recorders, judges, and bankruptcy trustees and is viewed as one of the few people in the country ,
outside of the mortgage industry that is qualified to conduct these types of examinations and
analyses. He is a past faculty instructor for Max Gardner’s Bankruptcy Bootcamps as well as
guest speaker at various trade organizations. He has also testified before the Arkansas Judiciary
Committee regarding statutory foreclosure issues. His clients include some of the most well-
known consumer attorneys in the nation. He has worked for banks, mortgage backed securities
investors, attorney generals, bankruptcy trustee, county recording offices, hedge funds and other
governmental entities. Jay has also testified in several high-profile cases and worked for the
Ditech Holding Corporation Consumer Creditor Recovery Trust under the direction of former
director of the U.S. Trustee Program, Tara Twomey.
He co-authored a previous published study commissioned by San Francisco Office of the
Recorder for the City of San Francisco as well as written several papers related to mortgage loan
servicing issues.
Jay holds a Bachelor of Science degree in Accounting from the University of Arkansas at Little
Rock. He is a native of Texas and resides in Little Rock, Arkansas. He has been married for 39
years to retired attorney Annabelle Patterson and has 2 children and 2 grandsons.
