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Deadline for TRID's Loan Estimate

05/31/2020

Assume we have a real estate application with all six needed items received on the weekend when business is closed. We open only Monday - Friday but it could come in electronically. Is the deadline for TRID's loan estimate Wednesday or Thursday?

HMDA Rule: Increase w/ New Loan Estimate Issued

03/24/2019

Under current HMDA rules, if a borrower submits an application for one amount and then requests an increase and a new loan estimate is issued, do we report the original amount requested or the increased amount?

Deny Credit If Report Pulled Over 6 Months Ago?

12/31/2017

Can credit be denied based on a credit report pulled over 6 months ago or should a new report be pulled? (In this case, the credit requested 6 months ago was denied and now a new credit request has been received.)

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COMPLIANCE Q & A: Updated URLA?

Question: Our current Uniform Residential Loan Application (URLA) that is provided in our loan processing software has a revision date of 06/09 and is 5 pages.

COMPLIANCE Q&A: Invalid loan conditions

Question: Our Director’s Loan Committee recently approved a loan request for two individuals to purchase their primary residence contingent on certain conditions.

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Real Estate Loan HMDA Reportable

10/24/2021

Would a loan be HMDA reportable when the purpose is to provide construction to permanent financing of a new home that will be used for short term rental use?

Escrows, more than dirt

10/14/2021

While auditing a mobile home loan I saw escrow statements. Isn’t this unnecessary since RESPA doesn’t apply when we don’t have real estate as our loan collateral?

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