REFINANCE (Adjustable Rate Mortgage/HMDA)



PURCHASE/CONSTRUCTION (Fixed Rate/HMDA)

BORROWER: _______________________________________________________________ SSN: _______________________

LOAN OFFICER: _________________________________________ CLOSING DATE: _________________________________

PURPOSE/COMMENTS:______________________________________________________________________________________

At application:

|_______ |1. Application ** |Date Received: _______________________(Includes NMLS Names/IDs) |

| | |___In person ___ Dropped off ___ Mailed ___ Phone ___ Electronic |

|_______ |2. Government Monitoring Information |(race, sex, ethnicity) - Do not collect for construction only loans |

|_______ |3. CIP information obtained |(name, physical address, SSN, date of birth) |

|_______ |4. Evidence of Intent to Apply – Reg B |If more than 1 applicant |

|_______ |5. Credit insurance application disclosure |(provided orally and in writing at time insurance product solicited/offered) |

Within 3 business days of application:

|_______ |1. Good Faith Estimate* |(may not charge fees (except credit report) until applicant has received) |

|_______ |2. HUD Settlement Booklet | |

|_______ |3. Preliminary Truth in Lending* |(may not charge fees (except credit report) until applicant has received) |

|_______ |4. Servicing Transfer Disclosure* |(only if 1st lien) |

|_______ |5. Notice to Home Loan Applicant |(or as soon as reasonably practical after the credit report is pulled) |

|_______ |6. Intent to Proceed |(must be after the GFE is received by applicant and prior to charging fees) |

|_________ |7. Homeownership Counseling List |(must be obtained within last 30 days and based on applicant’s zip code) |

|_________ |8. Appraisal Disclosure |(1st lien or HPML) |

Prior to closing:

|_______ |1. Flood Hazard Determination Form |In Flood Zone? _____ Yes _____ No |

| |(includes mobile homes) | |

|_______ |2. Flood Notice (if in flood zone) |(Provide reasonable time prior to closing or no later than commitment) |

|_______ |signed by borrowers | |

|_______ |3. Verify CIP information | |

|_______ |4. Higher-Priced Mortgage Loan*** | |

| |_____ Escrow Account (Unless Exempt) |

| |_____ Appraisal Requirements (Unless Exempt) |

| | |

|_______ |5. APR Within Tolerance |.125% tolerance for a Regular Transaction |

| | |.250% tolerance for an Irregular Transaction |

|_______ |6. Copy of Appraisal |(1st lien: Provide promptly and at least 3 business days prior to closing) |

| | |(Other lien HPML: Provide at least 3 business days prior to closing) |

|_______ |7. If high-cost mortgage, HCM disclosure 3 business days prior to closing (each borrower/consumer w/ right to rescind) |

|_______ |Written Certification of Counseling Obtained (If high-cost mortgage) |

|_______ |8. Ability to Repay |(Using third-party verification) |

|_____ Income or Assets |____Employment Status |_____ Monthly Payment (this loan) |

|_____ Debts |____Monthly Debt Ratio/Residual Income |_____ Credit History |

|_____ Monthly Payment (Simultaneous Loans) |_____ Monthly Payment: Mortgage Related Obligations |

1 Day Prior To Closing: (only if requested by borrower - otherwise the HUD-1 may be provided at closing)

|_______ |1. HUD-1 | |

Closing:

|_______ |1. Right of Rescission signed |(2 copies to each consumer who has an ownership interest and property is their primary |

| |(Bridge loans only) |residence) |

| | Advance money on ______________ | |

|_______ |2. Note signed |(compare to Final TIL for accuracy; Include NMLS Names/IDs) |

|_______ |3. Insurance |(Verify flood zone; adequate coverage; effective date; and mortgagee info) |

|_____ |Hazard insurance | |

|_____ |Flood insurance | |

|_______ |4. Sale of Insurance disclosure |(if an insurance product is sold in connection with the loan) |

|_______ |5. Privacy Disclosure |(if not an existing customer) |

|_______ |6. Final Truth in Lending Disclosure |(compare to note) |

| | _____ Demand feature |_____ Filing fees |

| | _____ Loan cannot be assumed |_____ No prepayment penalty |

| | _____ Collateral is described |_____ No refund of Finance Charge |

| | _____ Credit insurance |_____ Amount Financed itemized (N/A if a HUD-1 is provided) |

| | _____ Late charge | |

After Closing:

|_______ |1. Notice of Transfer |(if loan is sold to another institution) |

|_______ |2. Complete HMDA Proof Sheet | |

|_______ |3. Record on HMDA-LAR | |

Final Loan File Review:______________________________________________________

*If application is for construction/permanent financing: A Servicing Transfer Disclosure, Good Faith Estimate and Preliminary Truth in Lending disclosure, for both the construction phase and the permanent financing, must be provided within 3 business days of the initial application.

** Cannot include verification documentation

*** HPML escrow rules do not apply to construction loans, bridge loans or other temporary financing with a term of 12 months or less, HELOCs, or Reverse Mortgages. HPML appraisal requirements do not apply to construction loans, bridge loans with a term of 12 months or less (if in connection with the purchase of a primary dwelling); Qualified Mortgages; streamlined 1st lien refinancings meeting certain conditions; smaller dollar loans; loans secured by manufactured homes (until 7-18-15), mobile homes, boats, or trailers; or reverse mortgages. Certain flipped transactions require a second appraisal.

REFINANCE (Fixed Rate/HMDA)

(includes “refinanced” home equity loans)

BORROWER: _______________________________________________________________ SSN: _______________________

LOAN OFFICER: ________________________________________________ CLOSING DATE: ___________________________

PURPOSE/COMMENTS:______________________________________________________________________________________

At application:

|_______ |1. Application * |Date Received: _______________________(Includes NMLS Names/IDs) |

| | |__In person ___Dropped off ___Mailed __Phone ___ Electronic |

|_______ |2. Government Monitoring information |(race, sex, ethnicity); Includes mobile home loans |

|_______ |3. CIP information obtained |(name, physical address, SSN, date of birth) |

|_______ |4. Evidence of Intent to Apply – Reg B |If more than 1 applicant |

|_______ |5. Credit insurance application disclosure |(provide orally and in writing at time insurance product solicited/offered) |

Within 3 business days of application:

|_______ |1. Good Faith Estimate |(may not charge fees (except credit report) until applicant has received) |

|_______ |2. Preliminary Truth in Lending |(may not charge fees (except credit report) until applicant has received) |

|_______ |3. Servicing Transfer Disclosure |(only if 1st lien) |

|_______ |4. Notice to Home Loan Applicant |(or as soon as reasonably practical after the credit report is pulled) |

|_______ |5. Intent to Proceed |(must be after the GFE is received by applicant and prior to charging fees) |

|_______ |6. Homeownership Counseling List |(must be obtained within last 30 days and based on applicant’s zip code) |

|_______ |7. Appraisal Disclosure |(1st lien or HPML) |

Prior to closing:

|_______ |1. Flood Hazard Determination Form |In Flood Zone? _____ Yes _____ No |

| |(includes mobile homes) | |

|_______ |2. Flood Notice (if in flood zone) |(reasonable time prior to closing or no later than commitment) |

|_______ |signed by borrowers | |

|_______ |3. Verify CIP information | |

|_______ 4. If high-cost mortgage, HCM disclosure 3 business days before closing (each borrower/consumer with right to rescind) |

|_______ |Written Certification of Counseling Obtained (if High-Cost Mortgage) |

|_______ |5. Higher-Priced Mortgage Loan** | |

| |_____ Escrow Account (Unless Exempt) |

| |_____ Appraisal Requirements (Unless Exempt) |

| | |

|_______ |6. Ability to Repay |(Using third-party verification) |

| |_____ Income or Assets |

| |_____ Employment Status |

| |_____ Monthly Payment (this loan) |

| | |

| |_____ Debts |

| |_____ Monthly Debt Ratio/Residual Income |

| |_____ Credit History |

| | |

| |_____ Monthly Payment (Simultaneous Loans) |

| |_____ Monthly Payment: Mortgage Related Obligations |

| | |

| | |

| | |

|_______ |7. APR Within Tolerance |.125% tolerance for a Regular Transaction |

| | |.250% tolerance for an Irregular Transaction |

|_______ |8. Copy of Appraisal |(1st lien: Provide promptly and at least 3 business days prior to closing) |

| | |(Other lien HPML: Provide at least 3 business days prior to closing) |

| | | |

1 Day Prior To Closing: (only if requested by borrower - otherwise the HUD-1 may be provided at closing)

|_______ |1. HUD-1 or HUD-1A | |

Closing:

|_______ |1. Right of Rescission signed |(2 copies to each consumer who has an ownership interest and property is their primary |

| | |residence) |

| | Advance money on ______________ | |

|_______ |2. Note signed |(Compare to Final TIL for accuracy; Include NMLS Names/IDs) |

|_______ |3. Insurance |(Verify flood zone; adequate coverage; effective date; and mortgagee info) |

|_____ |Hazard insurance | |

|_____ |Flood insurance | |

|_______ |4. Sale of Insurance disclosure |(if an insurance product is sold in connection with the loan) |

|_______ |5. Privacy Disclosure |(if not an existing customer) |

|_______ |6. Final Truth in Lending disclosure |(compare to note) |

| | _____ Demand feature |_____ Filing fees |

| | _____ Loan cannot be assumed |_____ No prepayment penalty |

| | _____ Collateral is described |_____ No refund of Finance Charge |

| | _____ Credit insurance |_____ Amount Financed itemized (N/A if a HUD-1 is provided) |

| | _____ Late charge | |

After Closing:

|_______ |1. Notice of Transfer |(if loan is sold to another institution) |

|_______ |2. Complete HMDA Proof Sheet | |

|_______ |3. Record on HMDA-LAR | |

Final Loan File Review:______________________________________________________

*Cannot include verification documentation

** HPML escrow rules do not apply to construction loans, bridge loans or other temporary financing with a term of 12 months or less, HELOCs, or Reverse Mortgages. HPML appraisal requirements do not apply to construction loans, bridge loans with a term of 12 months or less (if in connection with the purchase of a primary dwelling); Qualified Mortgages; streamlined 1st lien refinancings meeting certain conditions; smaller dollar loans; loans secured by manufactured homes (until 7-18-15), mobile homes, boats, or trailers; or reverse mortgages.

HOME IMPROVEMENT/HOME EQUITY (Fixed Rate/HMDA)

BORROWER: _______________________________________________________________ SSN: _______________________

LOAN OFFICER: ________________________________________________ CLOSING DATE: ___________________________

PURPOSE/COMMENTS:______________________________________________________________________________________

At application:

|_______ |1. Application * |Date Received: ____________________ (Includes NMLS Names/IDs) |

| | |__In person ___Dropped off ___Mailed __Phone ___ Electronic |

|_______ |2. Government Monitoring Information |Improvement – collect if secured by a dwelling or if non-dwelling secured and classified by |

| |(race, sex, ethnicity) |the bank as improvement loan |

| | |Equity –do not collect unless a “refinance” |

|_______ |3. CIP information obtained |(name, physical address, SSN, date of birth) |

|_______ |4. Evidence of Intent to Apply – Reg B |If more than 1 applicant |

|______ |5. Credit insurance application |(provide orally and in writing at time insurance product solicited/offered) |

| |disclosure | |

|_______ |6. Evidence of Intent to Apply – Reg B |If more than 1 applicant |

Within 3 business days of application:

|_______ |1. Good Faith Estimate |(may not charge fees (except credit report) until applicant has received) |

|_______ |2. Preliminary Truth in Lending |(may not charge fees (except credit report) until applicant has received) |

|_______ |3. Servicing Transfer Disclosure |(only if 1st lien) |

|_______ |4. Notice to Home Loan Applicant |(or as soon as reasonably practical after the credit report is pulled) |

|_______ |5. Intent to Proceed |(must be after the GFE is received by applicant and prior to charging fees) |

|_______ |6. Homeownership Counseling List |(must be obtained within last 30 days and based on applicant’s zip code) |

|_______ |7. Appraisal Disclosure |(1st lien or HPML) |

Prior to closing:

|_______ |1. Flood Hazard Determination Form |In Flood Zone? _____ Yes _____ No |

| |(includes mobile homes) | |

|_______ |2. Flood Notice (if in flood zone) |(Provide reasonable time prior to closing or no later than commitment) |

|_______ |signed by borrowers | |

|_______ |3. Verify CIP information |

|_______ |4. If high-cost mortgage, HCM disclosure 3 business days prior to closing (each borrower/consumer w/ right to rescind) |

|_______ |Written Certification of Counseling Obtained (if High-Cost Mortgage) |

|_______ |5. If Higher-Priced Mortgage Loan** | |

| |_____ Escrow Account (Unless Exempt) |

| |_____ Appraisal Requirements (Unless Exempt) |

| | |

|_______ |6. APR Within Tolerance |.125% tolerance for a Regular Transaction |

| | |.250% tolerance for an Irregular Transaction |

|_______ |7. Copy of Appraisal |(1st lien: Provide promptly and at least 3 business days prior to closing) |

| | |(Other lien HPML: Provide at least 3 business days prior to closing) |

|_______ |8. Ability to Repay |(Using third-party verification) |

| |_____ Income or Assets |

| |_____ Employment Status |

| |_____ Monthly Payment (this loan) |

| | |

| |_____ Debts |

| |_____ Monthly Debt Ratio/Residual Income |

| |_____ Credit History |

| | |

| | |

| |_____ Monthly Payment (Simultaneous Loans) |

| |_____ Monthly Payment: Mortgage Related Obligations |

| | |

1 Day Prior To Closing: (only if requested by borrower - otherwise the HUD-1 may be provided at closing)

|_______ |1. HUD-1 or HUD-1A | |

Closing:

|_______ |1. Right of Rescission signed |(2 copies to each consumer who has an ownership interest and property is their primary |

| | |residence) |

| | Advance money on ______________ | |

|_______ |2. Note signed |(Compare to Final TIL for accuracy; Include NMLS Names/IDs) |

|_______ |3. Insurance |(Verify flood zone; adequate coverage; effective date; and mortgagee info) |

|_____ |Hazard insurance | |

|_____ |Flood insurance | |

|_______ |4. Sale of Insurance disclosure |(if an insurance product is sold in connection with the loan) |

|_______ |5. Privacy Disclosure |(if not an existing customer) |

|_______ |6. Final Truth in Lending disclosure |(compare to note) |

| | _____ Demand feature |_____ Filing fees |

| | _____ Loan cannot be assumed |_____ No prepayment penalty |

| | _____ Collateral is described |_____ No refund of Finance Charge |

| | _____ Credit insurance |_____ Amount Financed itemized (N/A if a HUD-1 is provided) |

| | _____ Late charge | |

After Closing:

|_______ |1. Complete HMDA Proof Sheet | |

|_______ |2. Record on HMDA-LAR | |

Final Loan File Review:______________________________________________________

*Cannot include verification documentation.

** HPML escrow rules do not apply to construction loans, bridge loans or other temporary financing with a term of 12 months or less, HELOCs, or Reverse Mortgages. HPML appraisal requirements do not apply to construction loans, bridge loans with a term of 12 months or less (if in connection with the purchase of a primary dwelling); Qualified Mortgages; streamlined 1st lien refinancings meeting certain conditions; smaller dollar loans; loans secured by manufactured homes (until 7-18-15), mobile homes, boats, or trailers; or reverse mortgages.

PURCHASE/CONSTRUCTION (Adjustable Rate Mortgage/HMDA)

BORROWER: _______________________________________________________________ SSN: _______________________

LOAN OFFICER: _________________________________________ CLOSING DATE: _________________________________

PURPOSE/COMMENTS:______________________________________________________________________________________

At application:

|_______ |1. Application ** |Date Received: ______________________ (Include NMLS Names/IDs) |

| | |___In person ___ Dropped off ___ Mailed ___ Phone ___ Electronic |

|_______ |2. Government Monitoring Information |(race, sex, ethnicity) (Includes mobile home loans) |

|_______ |3. ARM Program disclosure & |(only if loan is secured by the consumer’s principal dwelling and for a term greater than |

| |CHARM booklet. |one year). |

|_______ |4. CIP information obtained |(name, physical address, SSN, date of birth) |

|_______ |5. Evidence of Intent to Apply – Reg B |If more than 1 applicant |

|_______ |6. Credit insurance application disclosure |(provide orally and in writing at time insurance product solicited/offered) |

Within 3 business days of application:

|_______ |1. Good Faith Estimate* |(may not charge fees (except credit report) until applicant has received) |

|_______ |2. HUD Settlement Booklet | |

|_______ |3. Preliminary Truth in Lending* |(may not charge fees (except credit report) until applicant has received) |

|_______ |4. Servicing Transfer Disclosure* |(only if 1st lien) |

|_______ |5. Notice to Home Loan Applicant |(or as soon as reasonably practical after the credit report is pulled) |

|_______ |6. Intent to Proceed |(must be after the GFE is received by applicant and prior to charging fees) |

|_______ |7. Homeownership Counseling List |(must be obtained within last 30 days and based on applicant’s zip code) |

|_______ |8. Appraisal Disclosure |(1st lien or HPML) |

Prior to closing:

|_______ |1. Flood Hazard Determination Form |In Flood Zone? _____ Yes _____ No |

| |(includes mobile homes) | |

|_______ |2. Flood Notice (if in flood zone) |(Provide a reasonable time prior to closing or no later than commitment) |

|_______ |signed by borrowers | |

|_______ |3. Verify CIP information | |

|_______ |4. Higher-Priced Mortgage Loan*** | |

| |_____ Escrow Account (Unless Exempt) |

| |_____ Appraisal Requirements (Unless Exempt) |

| | |

|_______ |5. APR Within Tolerance |.125% tolerance for a Regular Transaction |

| | |.250% tolerance for an Irregular Transaction |

|_______ |6. Copy of Appraisal |(1st lien: Provide promptly and at least 3 business days prior to closing) |

| | |(Other lien HPML: Provide at least 3 business days prior to closing) |

|_______ |7. If high-cost mortgage, HCM disclosure 3 business days prior to closing (each borrower/consumer w/ right to rescind) |

|_______ |Written Certification of Counseling Obtained (if High-Cost Mortgage) |

|_______ |8. Ability to Repay |(Using third-party verification) |

| |_____ Income or Assets |

| |_____ Employment Status |

| |_____ Monthly Payment (this loan) |

| | |

| |_____ Debts |

| |_____ Monthly Debt Ratio/Residual |

| |_____ Credit History |

| | |

| |_____ Monthly Payment (Simultaneous Loans) |

| |____ Monthly Payment: Mortgage Related Obligations |

| | |

| | |

| | |

| | |

| | |

1 Day Prior To Closing: (only if requested by borrower - otherwise the HUD-1 may be provided at closing)

|_______ |1. HUD-1 | |

Closing:

|_______ |1. Right of Rescission signed |(2 copies to each consumer who has an ownership interest and property is their primary |

| |(Bridge Loans only) |residence) |

| | Advance money on ________________ | |

|_______ |2. Note signed |(Compare to Final TIL for accuracy; Include NMLS Names/IDs) |

|_______ |3. Insurance |(Verify flood zone; adequate coverage; effective date; and mortgagee info) |

|_____ |Hazard insurance | |

|_____ |Flood insurance | |

|_______ |4. Sale of Insurance disclosure |(if an insurance product is sold in connection with the loan) |

|_______ |5. Privacy Disclosure |(if not an existing customer) |

|_______ |6. Final Truth in Lending disclosure |(compare to note) |

| | _____ Demand feature |_____ Filing fees |

| | _____ Loan cannot be assumed |_____ No prepayment penalty |

| | _____ Collateral is described |_____ No refund of Finance Charge |

| | _____ Credit insurance |_____ Amount Financed itemized (N/A if a HUD-1 is provided) |

| | _____ Late charge | |

|_______ |7. Initial Rate Change Notification |If term greater than one year, secured by principal dwelling, and first adjusted payment is |

| | |due within 210 days of closing |

After Closing:

|_______ |1. Notice of Transfer |(if loan is sold to another institution) |

|_______ |2. Complete HMDA Proof Sheet | |

|_______ |3. Record on HMDA-LAR | |

Final Loan File Review:______________________________________________________

*If construction/permanent financing: A Servicing Transfer Disclosure, Good Faith Estimate and Preliminary Truth in Lending disclosure, for both the construction phase and the permanent financing, must be provided within 3 business days of the initial application.

**Cannot include verification documentation.

***HPML escrow rules do not apply to construction loans, bridge loans or other temporary financing with a term of 12 months or less, HELOCs, or Reverse Mortgages. HPML appraisal requirements do not apply to construction loans, bridge loans with a term of 12 months or less (if in connection with the purchase of a primary dwelling); Qualified Mortgages; streamlined 1st lien refinancings meeting certain conditions; smaller dollar loans; loans secured by manufactured homes (until 7-18-15), mobile homes, boats, or trailers; or reverse mortgages. Certain flipped transactions require a second appraisal.

REFINANCE (Adjustable Rate Mortgage/HMDA)

(includes “refinanced” home equity loans)

BORROWER: _______________________________________________________________ SSN: _______________________

LOAN OFFICER: ________________________________________________ CLOSING DATE: ___________________________

PURPOSE/COMMENTS:______________________________________________________________________________________

At application:

|_______ |1. Application * |Date Received: ______________________ (Include NMLS Names/IDs) |

| | |__In person ___Dropped off ___Mailed __Phone ___ Electronic |

|_______ |2. Government Monitoring Information |(race, sex, ethnicity) (Includes Mobile home loans) |

|_______ |3. ARM Program disclosure and |(only if loan is secured by the consumer’s principal dwelling and for a term greater than |

| |CHARM booklet. |one year). |

|_______ |4. CIP information obtained |(name, physical address, SSN, date of birth) |

|_______ |5. Credit insurance application disclosure |(provide orally and in writing at time insurance product solicited/offered) |

|_______ |6. Evidence of Intent to Apply – Reg B |If more than 1 applicant |

Within 3 business days of application:

|_______ |1. Good Faith Estimate |(may not charge fees (except credit report) until applicant has received) |

|_______ |2. Preliminary Truth in Lending |(may not charge fees (except credit report) until applicant has received) |

|_______ |3. Servicing Transfer Disclosure |(only if 1st lien) |

|_______ |4. Notice to Home Loan Applicant |(or as soon as reasonably practical after the credit report is pulled) |

|_______ |5. Intent to Proceed |(must be after GFE is received by applicant and prior to charging fees) |

|_______ |6. Homeownership Counseling List |(must be obtained within last 30 days and based on applicant’s zip code) |

|_______ |7. Appraisal Disclosure |(1st lien or HPML) |

Prior to closing:

|_______ |1. Flood Hazard Determination Form |In Flood Zone? _____ Yes _____ No |

| |(includes mobile home loans) | |

|_______ |2. Flood Notice (if in flood zone) |(Provide a reasonable time prior to closing or no later than commitment) |

|_______ |signed by borrowers | |

|_______ |3. Verify CIP Information | |

|_______ |4. If high-cost mortgage, HCM disclosure 3 business days prior to closing (each borrower/consumer w/ right to rescind |

|_______ |Written Certification of Counseling Obtained (if High-Cost Mortgage) |

|_______ |5. If Higher-Priced Mortgage Loan** | |

| |_____ Escrow Account (Unless Exempt) |

| |_____ Appraisal Requirements (Unless Exempt) |

| | |

|_______ |6. APR Within Tolerance |.125% tolerance for a Regular Transaction |

| | |.250% tolerance for an Irregular Transaction |

|_______ |7. Copy of Appraisal |(1st lien: Provide promptly & at least 3 business days prior to closing) |

| | |(Other lien HPML: Provide at least 3 business days prior to closing |

|_______ |8. Ability to Repay |(Using third-party verification) |

| |_____ Income or Assets |

| |_____ Employment Status |

| |____ Monthly Payment (this loan) |

| | |

| |_____ Debts |

| |_____ Monthly Debt Ratio/Residual Income |

| |____ Credit History |

| | |

| |_____ Monthly Payment (Simultaneous Loans) |

| |_____ Monthly Payment: Mortgage Related Obligations |

| | |

| | |

| | |

1 Day Prior To Closing: (only if requested by borrower - otherwise the HUD-1 may be provided at closing)

|_______ |1. HUD-1 or HUD-1A | |

Closing:

|_______ |1. Right of Rescission signed |(2 copies to each consumer who has an ownership interest and property is their primary |

| | |residence) |

| | Advance money on ______________ | |

|_______ |2. Note signed |Compare to Final TIL for accuracy (Include NMLS Names/IDs) |

|_______ |3. Insurance |(Verify flood zone; adequate coverage; effective date; and mortgagee info) |

|_____ |Hazard insurance | |

|_____ |Flood insurance | |

|_______ |4. Sale of Insurance disclosure |(if an insurance product is sold in connection with the loan) |

|_______ |5. Privacy Disclosure |(if not an existing customer) |

|_______ |6. Final Truth in Lending disclosure |(compare to note) |

| | _____ Demand feature |_____ Filing fees |

| | _____ Loan cannot be assumed |_____ No prepayment penalty |

| | _____ Collateral is described |_____ No refund of Finance Charge |

| | _____ Credit insurance |_____ Amount Financed itemized (N/A if a HUD-1 is provided) |

| | _____ Late charge |_____ Variable rate information (if applicable) |

|_______ |7. Initial Rate Change Notification |If term greater than one year and first adjusted payment is due within 210 days of closing |

After Closing:

|_______ |1. Notice of Transfer |(if loan is sold to another institution) |

|_______ |2. Complete HMDA Proof Sheet | |

|_______ |3. Record on HMDA-LAR | |

Final Loan File Review:______________________________________________________

*Cannot include verification documentation.

**HPML escrow rules do not apply to construction loans, bridge loans or other temporary financing with a term of 12 months or less, HELOCs, or Reverse Mortgages. HPML appraisal requirements do not apply to construction loans, bridge loans with a term of 12 months or less (if in connection with the purchase of a primary dwelling); Qualified Mortgages; streamlined 1st lien refinancings meeting certain conditions; smaller dollar loans; loans secured by manufactured homes (until 7-18-15), mobile homes, boats, or trailers; or reverse mortgages.

HOME IMPROVEMENT/HOME EQUITY (Adjustable Rate Mortgage/HMDA)

BORROWER: _______________________________________________________________ SSN: _______________________

LOAN OFFICER: ________________________________________________ CLOSING DATE: ___________________________

PURPOSE/COMMENTS:______________________________________________________________________________________

At application:

|_______ |1. Application * |Date Received: _________________ (Include NMLS Name/ID) |

| | |___In person ____Dropped off ____Mailed ___Phone ___ Electronic |

|_______ |2. Collect government monitoring |Improvement – collect if secured by a dwelling or if non-dwelling secured and classified by |

| |information (race, sex, ethnicity) |the bank as improvement loan |

| | |Equity –do not collect unless a “refinance” |

|_______ |3. ARM Program disclosure and |(only if loan is secured by the consumer’s principal dwelling and for a term greater than |

| |CHARM booklet. |one year). |

|_______ |4. CIP information obtained |(name, physical address, SSN, date of birth) |

|_______ |5. Credit insurance application |(provided orally and in writing at the time an insurance product is solicited or offered) |

| |Disclosure | |

|_______ |6. Evidence of Intent to Apply – Reg B |If more than 1 applicant |

Within 3 business days of application:

|_______ |1. Good Faith Estimate |(may not charge fees (except credit report) until applicant has received) |

|_______ |2. Preliminary Truth in Lending |(may not charge fees (except credit report) until applicant has received) |

|_______ |3. Servicing Transfer Disclosure |(only if 1st lien) |

|_______ |4. Notice to Home Loan Applicant |(or as soon as reasonably practical after the credit report is pulled) |

|_______ |5. Intent to Proceed |(must be after the GFE is received by applicant and prior to charging fees) |

|_______ |6. Homeownership Counseling List |(must be obtained within last 30 days and based on applicant’s zip code) |

|_______ |7. Appraisal Disclosure |(1st lien or HPML) |

Prior to closing:

|_______ |1. Flood Hazard Determination Form |In Flood Zone? _____ Yes _____ No |

| |(includes mobile homes) | |

|_______ |2. Flood Notice (if in flood zone) |(reasonable time prior to closing or no later than commitment) |

|_______ |signed by borrowers | |

|_______ |3. Verify CIP information | |

|_______ |4. If high-cost mortgage, HCM disclosure 3 business days prior to closing (each borrower/consumer w/ right to rescind |

|_______ |Written Certification of Counseling Obtained (if High-Cost Mortgage) |

|_______ |5. If Higher-Priced Mortgage Loan** | |

| |_____ Escrow Account (Unless Exempt) |

| |_____ Appraisal Requirements (Unless Exempt) |

| | |

|_______ |6. APR Within Tolerance |.125% tolerance for a Regular Transaction |

| | |.250% tolerance for an Irregular Transaction |

|_______ |7. Copy of Appraisal |(1st lien: Provide promptly and at least 3 business days prior to closing) |

| | |(Other lien HPML: Provide at least 3 business days prior to closing) |

|_______ |8. Ability to Repay |(Using third-party verification) |

| |_____ Income or Assets |

| |_____ Employment Status |

| |_____ Monthly Payment (this loan) |

| | |

| |_____ Debts |

| |_____ Monthly Debt Ratio/Residual Income |

| |_____ Credit History |

| | |

| |_____ Monthly Payment (Simultaneous Loans) |

| |_____ Monthly Payment: Mortgage Related Obligations |

| | |

| | |

| | |

1 Day Prior To Closing: (only if requested by borrower - otherwise the HUD-1 may be provided at closing)

|_______ |1. HUD-1 or HUD-1A | |

Closing:

|_______ |1. Right of Rescission signed |(2 copies to each consumer who has an ownership interest and property is their primary |

| | |residence) |

| | Advance money on ______________ | |

|_______ |2. Note signed |Compare to Final TIL for accuracy (Include NMLS Names/IDs) |

|_______ |3. Insurance |(Verify flood zone; adequate coverage; effective date; and mortgagee info) |

|_____ |Hazard insurance | |

|_____ |Flood insurance | |

|_______ |4. Sale of Insurance disclosure |(if an insurance product is sold in connection with the loan) |

|_______ |5. Privacy Disclosure |(if not an existing customer) |

|_______ |6. Final Truth in Lending disclosure |(compare to note) |

| | _____ Demand feature |_____ Filing fees |

| | _____ Loan cannot be assumed |_____ No prepayment penalty |

| | _____ Collateral is described |_____ No refund of Finance Charge |

| | _____ Credit insurance |_____ Amount Financed itemized (N/A if a HUD-1 is provided) |

| | _____ Late charge |_____ Variable rate information (if applicable) |

|_______ |7. Initial Rate Change Notification |If term greater than one year, secured by principal dwelling, and first adjusted payment is |

| | |due within 210 days of closing |

After Closing:

|_______ |1. Complete HMDA Proof Sheet | |

|_______ |2. Record on HMDA-LAR | |

Final Loan File Review:______________________________________________________

*Cannot include verification documentation.

**HPML escrow rules do not apply to construction loans, bridge loans or other temporary financing with a term of 12 months or less, HELOCs, or Reverse Mortgages. HPML appraisal requirements do not apply to construction loans, bridge loans with a term of 12 months or less (if in connection with the purchase of a primary dwelling); Qualified Mortgages; streamlined 1st lien refinancings meeting certain conditions; smaller dollar loans; loans secured by manufactured homes (until 7-18-15), mobile homes, boats, or trailers; or reverse mortgages.

HOME EQUITY LINE OF CREDIT (HMDA)

BORROWER: _______________________________________________________________ SSN: _______________________

LOAN OFFICER: ________________________________________________ CLOSING DATE: ___________________________

PURPOSE/COMMENTS:______________________________________________________________________________________

At application:

|_______ |1. Application |Date Received: _________________________________ |

| | |___ In person ___ Dropped off ___ Mailed ___ Phone ___ Electronic |

| |Reporting HELOCs for HMDA bank is optional, therefore: |

| |If the bank does not report HELOCs: Only Collect Government Monitoring Information if the HELOC is used to purchase and is secured by a primary |

| |residence (to meet Reg B requirements) and do not report on the LAR. |

| |If the bank does report HELOCs: Collect Government Monitoring Information. |

|_______ |2. Home Equity Line of Credit Program/Application Disclosure |

|_______ |3. Home Equity Line of Credit Booklet |“When Your Home is on the Line” or “What You Should Know About Home Equity Lines of Credit” |

|_______ |4. CIP information obtained |(name, physical address, SSN, date of birth) |

|_______ |5. Appraisal Disclosure |If a first lien, provide no later than 3 business days after application |

|_______ |6. Credit insurance application |(provided orally and in writing at the time an insurance product is solicited or offered) |

| |Disclosure | |

|_______ |7. Evidence of Intent to Apply – Reg B |If more than 1 applicant |

|_______ |8. Notice to Home Loan Applicant |(as soon as reasonably practical after the credit report is pulled) |

|_______ |9. Homeownership Counseling List |Provide no later than 3 business days after application (must be obtained within last 30 |

| | |days and be based on zip code of applicant) |

Prior to closing:

|_______ |1. Flood Hazard Determination Form |In Flood Zone? _____ Yes _____ No |

| |(includes mobile homes) | |

|_______ |2. Flood Notice (if in flood zone) |(Provide a reasonable time prior to closing or no later than commitment) |

|_______ |signed by borrowers | |

|_______ |3. Verify CIP information | |

|_______ |4. Copy of Appraisal |If a first lien, provide promptly & at least 3 business days prior to closing |

|_______ |5. If high-cost mortgage, HCM disclosure 3 business days prior to closing (each borrower/consumer w/ right to rescind) |

|_______ |Written Certification of Counseling Obtained (if high-cost mortgage) |

|_______ |If high-cost mortgage: Ability to Repay using third-party verification: |

| |_____ Income or Assets |

| |_____ Employment |

| | |

| |_____ Current Obligations |

| |_____ Mortgage-Related Obligations |

| | |

Closing:

|_______ |1. Right of Rescission signed (also |(2 copies to each consumer who has an ownership interest and property is their primary |

| |required on purchase money loans) |residence) |

| | Advance money on ___________________ |

|_______ |2. Note signed |(must match terms of Program Disclosure) |

|_______ |3. Insurance |(Verify flood zone; adequate coverage; effective date; and mortgagee info) |

|_____ |Hazard insurance | |

|_____ |Flood insurance | |

|_______ |4. Privacy Disclosure |(if not an existing customer) |

Final Loan File Review:______________________________________________________

AGRICULTURAL/COMMERCIAL REAL ESTATE LOAN (HMDA)

BORROWER: _______________________________________________________________ SSN: _______________________

LOAN OFFICER: ________________________________________________ CLOSING DATE: ___________________________

PURPOSE/COMMENTS:______________________________________________________________________________________

___________________________________________________________________________________________________________

___________________________________________________________________________________________________________

At application:

|_______ |1. Application |Date Received: __________________________________ |

| |2. Government Monitoring |Collect GMI for home purchase loans (unless the loan is primarily for agricultural |

| |Information (race, sex, ethnicity) |purposes), home improvement loans, and refinance loans |

|_______ |3. CIP information obtained |(name, physical address, SSN or EIN, date of birth-if applicable) |

|_______ |4. Evidence of Intent to Apply – Reg B |If more than 1 applicant |

| | | |

|Within 3 business days of application: | |

|_______ |1. Appraisal Disclosure |If secured by 1st lien on a dwelling |

| | | |

Prior to closing:

|_______ |1. Flood Hazard Determination Form |In Flood Zone? _____ Yes _____ No |

|_______ |2. Flood Notice (if in flood zone) |(Provide a reasonable time prior to closing or no later than commitment) |

|_______ |signed by borrowers | |

|_______ |3. Verify CIP information | |

|_______ |4. Copy of Appraisal |(If secured by 1st lien on a dwelling – Provide promptly and at least 3 business days prior |

| | |to closing) |

Closing:

|_______ |1. Note signed | |

|_______ |2. Insurance |(Verify flood zone; adequate coverage; effective date; and mortgagee info) |

|_____ |Hazard insurance | |

|_____ |Flood insurance | |

Final Loan File Review:______________________________________________________

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