The bulk of our apps start out over the phone, very few in person.
Our situation is reverse and that is why I assume in person applications until documented otherwise.
My assumption is based on how we conduct business, your assumption would have to be based on how you conduct business.
If I had to guess I would say that this one was a phone app because it was not signed, hence I would not list GMI on the LAR??
This is tough one by not being able to talk to the MLO. Did he ask for the info and record it on the form but not the application, or did he make an assumption and recorded the information?
Not being able to document what the MLO did you are going to have to make your best assumption and report based on, what Gibbs would say, what your gut tells you. Just document why your gut told you to report it the way you end up reporting it.
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The opinions expressed are mine and they are not to be taken as legal advice.