I have searched and not been able to find a thread on this scenario:
We have a branch in CO that listed one title company (#1) on the SPL and their fees on the LE.
The loan is now ready to close and they are using another Title company (#2) for the closing. However, when the closing title company (#2) provided their draft CD with their fees, it was discovered that they are now a division of the Title company (#1) listed on the SPL, which was not known at the time the LE was issued.
Does this now require us to show the title fees in Section B - did not shop and subject to the 10% tolerance since they are a division of Title Company (#1) or would we still show them in Section C, that the customer did shop?