Which of the following indicates a borrower is 90 days past due?

The indication that a borrower is 90 days past due is established through the receipt of all applicable servicing notices. These servicing notices are formal communications sent to the borrower regarding their account status and are a standard part of loan servicing practices. When a borrower is 90 days past due, it triggers a series of notifications to alert them about their overdue status and the potential consequences if the situation is not resolved.

The completion of appeals, the execution of civil rights reviews, and the existence of a feasible payment plan do not directly signify that a borrower has reached the 90-day delinquency mark. Instead, these factors may be related to other aspects of loan management or compliance but do not provide the specific indication of overdue loan payments. Therefore, the receipt of all appropriate servicing notices is the most concrete evidence that a borrower’s account is at least 90 days past due, as it reflects the official communication required to notify them of their default status.