...Bank of America, N.A. (BANA), a subsidiary of Bank of America Corporation (BAC), has been servicing residential loans for more than 46 years. BANA is an approved servicer for Fannie Mae, Freddie Mac and Ginnie Mae securities. BANA's servicing operations are headquartered in Calabasas, CA, with servicing sites in 18 other cities in the U.S. In addition, BANA utilizes captive service providers in Mumbai, Gurgoan and Hyderabad, India. The Stable Rating Outlook for the servicer ratings is due to sustained improvement in BANA's internal audit results, continued investments in technology and operational initiatives and continued progress on reducing its portfolio of seriously delinquent loans....