Just curious if anyone sends out disclosure on a pre-qualification application such as CSEN, appraisal notice, AfBA, etc. or do you wait we get a property address? If you wait until we get a property address, when would you send out the CSEN? Thanks!

What is a CSEN?

Appraisal notice - yes. If it is an application to be secured by a first lien on 1-4 property.

1002.14—Rules on providing appraisals and other valuations.

(a) Providing appraisals and other valuations. (1) In general. A creditor shall provide an applicant a copy of all appraisals and other written valuations developed in connection with an application for credit that is to be secured by a first lien on a dwelling.

ABA - must be given at the time of the referral.

Thanks Randy! CSEN is the credit score exception notice for Risk Based Pricing.

Application is not defined in Regulation V. An RBP is based on whether you risk based price and:

Uses a consumer report in connection with an application for, or a grant, extension, or other provision of, credit to a consumer that is primarily for personal, family, or household purposes