I have a similar problem. We have a relatively small LAR. We cannot import from either software use for our Mortgage Docs (LaserPro and Calyx Point). So we have resorted to complete manual entry. Each banking center is responsible for submitting their loan file documents to our imaging system.....so you can imagine the mess. When I am looking through files, I sometimes find 3 or 4 different Closing Disclosures and have to make sure I am looking at the final disclosure when entering data. Several reportable data points come from Point's "Loan Transmittal Summary" document. Sometimes, I find two or three of those. I can tell when one isn't the final one because, for example, the appraised value doesn't match what the appraisal indicates. I have been making sure that I have the final version, even if I have to ask the Lender to image it. So.....even though the DTI and appraised value (therefore CLTV) might not be what we considered when making the credit decision, at least I am reporting everything the same for every borrower.....rather using a Final Summary for one and a Not Final Summary for another.
That's kind of long and drawn out, but I am very interested in feedback, advice, ideas, etc.
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