Seems like I found my answer in the February 2013 Final Rule for Reg. X. The Bureau had proposed to limit it to the primary borrower (one address), but after receiving the input from various consumer advocacy groups, the Bureau decided not to adopt the original proposal and drafted commentary that included the phrase “addresses†to account for the need to send disclosures to different borrowers at different addresses as needed.
So, based on that, I stand with my above interpretation.