Do you any of you have a broker channel, where you have approved brokers who actually do all the work and bring a completed application package to you?

Here are my questions (on one of my least favorite topics):

do you allow the broker to lock a rate for the applicant before delivering the ap package

if you do allow them to lock a rate without a package in hand (your hand), what date do you use for the application date..the date they lock or the date you actually receive the package?

Kathleen O. Blanchard, CRCM "Kaybee"
HMDA/CRA Training/Consulting/Mapping
The HMDA Academy