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Glenndenning Morgage Final Submission

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Glenndenning Morgage Final Submission

  1. 1. Glendenning Mortgage Team 1: Peter Quarelli BobToltowics Peter Eichen Jeff Carrion 1
  2. 2. Table of Contents Topic Page Number Cover Page Page 1 Contents Page 2 Description of Project Page 6 Process Modeling Page 14 Project Repository Page 39 Process Specifications Page 71 Entity Relationship Diagram Page 77 User Interfaces Page 78 Output Design Page 86 VA Reports Page 92 Appendix 11 Page 180 2
  3. 3. Team 1 Tasks: Topic & Page Number Name Executive Summary 2.2 Peter Eichen Description of Project 3 Peter Eichen Process Modeling 4.1 Robert Toltowicz Process Modeling 4.2-4.6 Peter Quarelli Project Repository 5 Team 1 Process Specifications 6 Peter Quarelli Entity Relationship Diagram 7 Peter Eichen, Robert Toltowicz User Interfaces 8 Jeff Carrion Output Design 9 Jeff Carrion, Peter Quarelli VA Reports 10 Team 1 Appendix 11 Team 1 3
  4. 4. Team 1 Glendenning Mortgage The Glendenning Mortgage Company supplies businesses and future homeowners with mortgage financing on a free-will basis. When a buyer is interested in a home and wishes to get a mortgage through Glendenning Mortgage they have some obstacles to go through. There is an abundance of paperwork that will be needed from the buyer. The problem that Glendenning is having is the large amounts of paperwork that needs to be sent to and from the buyer along with sending these signed papers to banks, credit bureaus, loan originators, etc. Sometimes the same papers will be needed multiple times from the buyer, which has a huge impact on time and effectiveness of the mortgage. The paperwork and loan begin with a Loan Originator and then go back and forth to a financial accountant within the company and to outside sources. Theses outside sources are banks, credit bureaus, termite inspectors, electricians, plumbers, tax assessors, etc. From start to finish, the mortgage loan process through Glendenning Mortgage usually takes around 45 days. Now if this process could be expedited that would mean possibly more mortgages closing per year than they currently have. Currently the paperwork system at Glendenning Mortgage is all done manually. Printing out papers, manually signing them, only to be submitted and filed in filing cabinets seems to be outdated. In order to increase productivity of the company an electronic system for paperwork needs to be implemented. For example, when a credit check needs to be signed and approved from the homebuyer, they would have to come to 4
  5. 5. the office and manually sign the paper. Our objective is to stop the running around and give the company the capability to ease the flow of documents between all external entities. These documents can all be electronically signed through a third party and then sent immediately to where they are needed. The homebuyer would be able to log on the Glendenning website and see which documents are needed for approval and signing. This will increase the company’s productivity drastically along with keeping the company much more organized than they already are. Buyers can also access the documents at any time during the day and not just at Glendenning’s business hours. Another drawback of having hard copies of paperwork and needing manual signatures is when the closing of a mortgage actually happens. When a homebuyer is going to close on his or her mortgage there is a meeting called “the closing”. This is where all the necessary documents are to be signed by the homeowner, which in most cases can be over 100 pages and 50 signatures. Instead of having a large stack of papers that the homeowner needs to be scrolling through, an electronic system could enable to company to just bring a tablet or IPad to the closing and the homebuyer could easily electronically sign all these papers through a third party consultant such as Docusign. These papers would then be emailed directly to the homebuyer for filing electronically. This will easily save time, money, and keep the company and homebuyer more organized for the future. 5
  6. 6. Team 1 1. Name of Department Glendenning Mortgage Corporation 2. Purpose of Department - To supply businesses and future homeowners with mortgage financing. 3. Summary of Business Activities Upon getting a potential buyer the loan originator seeks paperwork from the buyer. W- 2’s, paystubs, tax returns, bank statements, credit card statements and bill statements are among the many different documents needed initially from the buyer. These documents will be used to seek approval for a loan from many different banks. Credit checks, termite inspections, electrical inspections and land surveys are also part of the loan process, which can cause an abundance of paperwork in itself. All of the information is given to a loan processor from the loan originator to manually input data from the buyers documents. Countless numbers of documents will be needed for signing from the buyer and then sent to many different banks, inspectors, credit bureaus, etc. Once approved for a loan, a closing will take place, which involves the signing of 50-100 papers by the buyer. 4. Identify Problem, Opportunities and Objectives Problem: - Abundance of paperwork that will be needed from the buyer - Sending paperwork to and from the buyer along with sending these signed papers to banks, credit bureaus, loan originators, etc. 6
  7. 7. Opportunities and Objectives: - Help ease flow of documents between buyer, Glendenning Mortgage, and third parties. - Give the company the capability to have a folder that can be accessed from the homebuyer that would have all of their documents stored so that the documents can be signed digitally. 5. Business case - The reason or justification for a proposal i. Nature of problems detected. - Currently the paperwork system at Glendenning Mortgage is all done manually. For example, when a credit check needs to be signed and approved from the homebuyer, they would have to come to the office and manually sign the paper. Printing out papers, manually signing them, only to be submitted and filed in filing cabinets seems to be outdated. ii. Impact on organizational goals. From start to finish, the mortgage loan process through Glendenning Mortgage usually takes around 45 days due to the slow manual paperwork process. Paperwork sometimes gets lost and needs to be requested again from the buyer, which impacts the time of the loan process. iii. Departments/functions involved. - Loan Originator/initiate loan and work with buyer - Loan Processor/input data from buyer and outside sources 6. Information Requirements - i. The business currently has an E-Folder, which stores 6 different items. These are the Tri- merge credit report, appraisal, final inspections or updates of value, flood certifications, TQL report, and tax transcripts. 7
  8. 8. ii. & iii. The current system functions as an aid for the loan processor. The loan processor can use this current E-Folder to refresh the report, get a confirmation the appraisal was sent to the borrower, get a prequalification authorization for a credit run, use of a floating lock agreement, any red flags, a title calculator, a fee sheet, checks or receipts from funds paid by borrower, invoices for credit/appraisal/VOE, an Application/Appraisal fee credit card authorization form, a commitment fee credit card authorization form, a registration sheet, and a loan contact sheet are all on the site for printing. iv. The new system will support all legality issues regarding digital signatures as well as storing all of the borrowers documents on a shared folder accessed by both the mortgage company and the borrower. The borrower will access the folder with a user login ID and password created when applying for the loan through the company website. This folder must be encrypted and only accessed by users with a password by both the mortgage company and borrower to insure security against potential security threats. Once they borrower has accesses to documents they can digitally sign all the paperwork through Docusign. Docusign is a way to sign 100% of all documents online through mobile devices, tablets, and computers. 7. Analyze System needs i. By creating a shared folder for the Glendenning Mortgage Corporation, the amount of time a loan takes to close can be minimized. Uploading documents and digitally signing with Docusign can increase the amount of mortgages closed per year as well as keep the business more organized for the present and future. This will give Glendenning Mortgage Corporation an upper hand against competing mortgage companies by making it more convenient for buyers to sign documents during the loan process instead of coming into the office constantly. Once the loan is complete and ready for the closing, all documents can be electronically signed on a tablet, saved 8
  9. 9. in a secure folder and electronically sent to the buyer. Along with creating a more effective and efficient mortgage loan process, this can also save the company money on the large amount of paper needed. ii. The new systems user community would be the borrower and the mortgage company’s loan originator and loan processor. iii. The new system will allow for digital signatures through Docusign and file uploads to the shared folder of the following: Documents submitted from borrower -Copy of deed (for refinance) -Letter explaining reason for refinance (for refinance) -Signed sales contract Departure Home -Statement of estimated net proceeds from sale of departure home (if applicable) -Listing agreement (if applicable) -Contract of sale(if applicable) -HUD-1 settlement statement(if applicable) -Copy of current lease(if applicable) Source of Funds -Escrow letter from realtor/attorney who is holding the cash deposit towards this purchase -Proof of escrow deposit -Most recent 3 months bank statements -All bank accounts and Account Numbers -Source of funds statement for any large deposits on bank statements within 3 months 9
  10. 10. -Stocks and investments value -U.S. savings bonds held -Copy of insurance policy statement Employment -Complete address and zip for present and previous employer -Work history for the past two years -Pay stubs & W-2 from employers -School transcripts -DD214 Income -Year to date pay stubs -W-2’s or 1099’s -3 years -Tax returns- 3years -Profit/loss balance sheet of your business -Copies of leases on rentals -SSI/Award Letter/tax return -Pension/award letter/tax return -Disability/award/tax return -Divorce decree -Alimony -Trust income -List of liabilities/Acct# -Rental history letter 10
  11. 11. -Proof of child support payment -Proof of alimony payment FHA/VA Loans -DD214 -Authorization to live off base -Transfer orders -Certification of eligibility request from VA -Photo ID -Termite Inspection Checklist for Loan Processor will be automatic through new system. Documents checked are: -Automated underwriting -Underwriting transmittal (1008) -Revised 1003 -Initial 1003 -Net tangible benefit form/Cash-out letter -Payoff -SSA form -Borrowers ID -Inquiry Explanation -Subordinate lien Note -Liability verification -Income in following order: VOE, pay stubs, W2, tax returns 11
  12. 12. -4506T -Assets -Proof of deposit money -Legible contract Disclosures to be filled out and signed by borrower: -Program disclosure -Borrowers authorization -E-sign -Home Counseling List Acknowledgment -Home Counselor Agent List -Notice of Right to Copy of Appraisal -Use and Occupancy -Credit File Audit Notice -Credit Score Disclosure -Privacy -Appraisal Report for Lender Use -Hazard Insurance Authorization -Notice of Furnishing Negative Information -Mortgage Fraud FBI Notice -Fair Credit Reporting Act -Equal Credit Opportunity Act -Patriot Act -Loan Servicing Disclosure 12
  13. 13. -NJ Delivery Service Fee Authorization -NJ Right to Choose Insurance Provider -NJ Right to Choose Own Attorney -Re-disclosure sets -Intent to Proceed -Acknowledgement of Good Faith Estimate -GFE -NJ Disclosure Form Estimated Settlement Service Fees -TIL -Itemization of Amount Financed -Definition of Truth in Lending Terms 13
  14. 14. Use Case Name: Generate Good Faith Estimate UniqueID: 2 Area: Business Actor(s): Stakeholder: Applicant/Mortgage Co Level: 2 Description: Company preps mortgage documents Triggering Event: Company agrees to grant a mortgage. Trigger Type: Internal Steps Performed (Main Path) Information for Steps 1 Applicant application accepted see processing check list 2 Applicant submits property info see processing check list 3 Mortagage co prepares estimated settlemnt charges/fees see processing check list 4 Mortagage co prepares escrow account information see processing check list 5 Mortgage CO/Applicant signnsummary of loan document see processing check list 6 Mortgage Co archives all documents see internal process list Preconditions: Postconditions: Assumptions: Success Guarantee: Minimum Guarantee Requirements Met: Outstanding Issues: Priority: Risks: 14
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  16. 16. Use Case Name: Generate Truth in Lending Disclosure Area: Business Actor(s): Mortgage Co Stakeholder: Applicant/Mortgage Co Level: 2 Description: Company preps/delivers Truth in Lending Disclosure Triggering Event: Good Faith est complete Trigger Type: Internal Steps Performed (Main Path) Information for Steps 1 Applicant comletes/accepts Good Faith Estimate see closing check list 2 Mortagage co prepares Motgage Note for actual closing see closing check list 3 Mortagage co prepares Deed of trust for actual closing see closing check list 4 Mortgage CO prepares Affadavits and Declarations for actual closing see closing check list 5 Mortgage Co prepares the HUD-1 document for actual closing see closing check list 6 Mortgage Co delivers Consumer Hndbk on ARM Mortgages to applicant see closing check list 7 Mortgage Co delivers ARM disclosure to applicant see closing check list 8 Mortgage Co archives all documents see internal process list Preconditions: Applicant approved Postconditions: Applicant/Mortgage company prepared for closing actions Assumptions: Success Guarantee: Mortgage issued Minimum Guarantee Mortgage ready for issue Requirements Met: Approved for mortgage and property purchase Outstanding Issues: complete details listed Priority: 3 Risks: 16
  17. 17. UniqueID: 3 17
  18. 18. Use Case Name: Generate Needed Documents Area: Business Actor(s): Mortgage Co. Stakeholder Mortgage Co. Level: 1 Description: Generate Documents for Applicant Triggering Event: Customer Profile Completed Trigger Type: Internal Steps Performed (Main Path) Information for Steps 1 Document Reports Documents sent to be compiled 2 Document to Financial Acc. Company Financial Account looks over documents 3 Generate Correct Documents Correct Documents are generated for the user 4 5 6 7 8 9 10 Preconditions: Complete Customer Profile Postconditions: Documents Generated Assumptions: Success Guarantee: Profile and Documents are correct and generated Minimum Guarantee Documents are generated Requirements Met: N/A Outstanding Issues: N/A Priority: 2 Risks: Incomplete documents could be generated 18
  19. 19. UniqueID: 6 19
  20. 20. Use Case Name: Closing Area: Business Actor(s): Mortgage Co Stakeholder: Applicant/Mortgage Co/Property seller Level: 4 Description: Company and applicant close on property Triggering Event. Property purchsed and closing executed Trigger Type: Internal/external Steps Performed (Main Path) Information for Steps 1 Applicant closes on property see closing check list 2. All documents sent for internal review see closing check list 3. All documents archived see closing check list Preconditions: Applicant prepared for property purchase/closing actionsPostconditions: Applicant/Mortgage execute closing and applicant completes purchase of property Assumptions: Success Guarantee: Purchase completed Minimum Guarantee Purchase delayed Requirements Met: Closing documents prepared and revied for accuracy Outstanding Issues: complete closing details listed Priority: 5 Risks: 20
  21. 21. UniqueID: 7 21
  22. 22. Use Case Name: Generate Terms for Denial Area: Business Actor(s): Mortage Co. Stakeholder Applicant Level: 1 Description: Send Denial Letter to Applicant Triggering Event: Truth in Lending Trigger Type: Internal Steps Performed (Main Path) Information for Steps 1 Application info was not sufficient Applicant was Denied 2 Denial Letter constructed and sent Sent Denial Letter Preconditions: Applicant Denied Postconditions: Sent Denial Letter Assumptions: Success Guarantee: Applicant was denied and sent letter Minimum Guarantee Applicant was denied and sent letter Requirements Met: Outstanding Issues: Priority: 2 Risks: Unable to send letter due to application info 22
  23. 23. UniqueID: 4 23
  24. 24. Event Source Trigger Customer logs on Customer Customer number and password Customer creates acct Customer create acct button Customer submits document Bank upload document button Customer e-signs existing document Bank esign document 24
  25. 25. Activity Response Find customer account and verify recordLocate last page customer visited? customer fills out info acct created with customers password search customer computer to locate fileWeb page uploads document to bank shared file load document. Customer reviews and signsSigned document moved from pending customer acct file to completed file folder 25
  26. 26. Destination Customer customer bank Bank 26
  27. 27. Use Case Name: Create Customer Profile Area: Business Actor(s): Mortgage Co Stakeholder: Applicant/Mortgage Co Level: 2 Description: Company accepts application package and creates customer profile on network drive Triggering Event: Applicant submits application and required documents. Trigger Type: Internal, Applicant meets minimum requirements Steps Performed (Main Path) Information for Steps 1 After validation of documentation. Processor "approves" and system creates applicants profile. see application check list 2 Creation of profile starts the generation of Good Faith estimate process see good Good Faith checklist 3 Docusign account is created and respective documents generated see docusign checklist Preconditions: Application accepted for further processing Postconditions: Customer Profile and Docusign accounts created Assumptions: Success Guarantee: Customer Minimum Guarantee Profile will be created or a RFI sent to loan processor for further action Requirements Met: approval for further processing Outstanding Issues: Detailed co internal steps Priority:2 Risks: 27
  28. 28. UniqueID: 5 Faith checklist 28
  29. 29. Use Case Name: Accept Initial Application Area: business Actor(s): Applicant Stakeholder: Applicant/Mortgage Co Level: one Description: Company accepts application/financial information and determines if applicant meets minimum requirements for a mortgage Triggering Event: Applicant submits application and required documents. Trigger Type: Internal Steps Performed (Main Path) Information for Steps 1 Applicant submits application see application check list 2 Applicant submits financial info see financial check list 3 Mortagage co makes decision to reject application or continue to process see internal determination matrix 3a Not accepted. Generate rejection letter 3b Accepted for for processing. 4 Accepted. Validate customer documentation 5 Request creation of customer profile on network Folder. Preconditions: Application and Financial documents Postconditions: Initial preapproval or rejection Assumptions: Success Guarantee: Preapproval Minimum Guarantee Rejection fo application Requirements Met: Meets minimum financial and employment criteria Outstanding Issues: Detailed co internal steps Priority:2 Risks: 29
  30. 30. UniqueID: 1 etermination matrix 30
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  71. 71. Conditions  and  Actions   Rules   Condition  1   Estimated  Settlement  Charges  are  not  agreed  on   Y   Y   Y   Y   N   N   N   N   Condition  2   Escrow  Account  information  is  invalid   Y   Y   N   N   Y   Y   N   N   Condition  3   Summary  of  loan  is  not  accepted   Y   N   N   Y   N   Y   Y   N   Action  1   Include  all  Conditions  in  denial  letter   X   Action  2   Include  only  Condition  1  in  denial  letter   X   Action  3   Include  only  Condition  2  in  denial  letter   X   Action  4   Include  only  Condition  3  in  denial  letter   X   Action  5   Include  only  Condition  1  &  2  in  denial  letter   X   Action  6   Include  only  Condition  1  &  3  in  denial  letter   X   Action  7   Include  only  Condition  2  &  3  in  denial  letter   X   Action  8   **Do  not  send  Denial  Letter   x   71
  72. 72. Conditions  and  Actions   Rules   Condition   1   Items  Missing  from  NJ  FHA  Checklist   Y   Y   N   N   Condition   2   Items  Missing  from  NJ  Conventional  Checklist   Y   N   Y   N   Condition   3   No  Items  Necessary     MUST  follow  up  with  Customer   Y   Y   Y   Y   Action  1   Review  Documents  report     AND  Send  Request  Letter  with  no  necessary  documents   X   Action  2   Review  Documents  report     AND  Send  Request  letter  with  need  NJ  FHA  Documents   X   Action  3   Review  Documents  report     AND  Send  Request  letter  with  need  NJ  Conventional   Documents   X   Action  4   Review  Documents  report     AND  Send  Request  letter  with  need  NJ  Conventional   Documents  &  NJ  FHA  Documents   X   72
  73. 73.   Estimated  Settlement  Charges  AND  Escrow  Account Information  is  Accepted Include  Only  Escrow  Account  Information  Is  Invalid  as Reason for denial Include  Estimated  Settlement  charges  and  Summary of Loan  Not Accepted  As Reasons For Denial Estimated  Settlement Charges AND Summary of Loan is  Accepted Summary  of  Loan  Not  Accepted Escrow  Account   Information  Is  Invalid   Summary  of  Loan  Not  Accepted Escrow  Account  Information  Is  invalid Summary  of  Loan  Accepted Summary  of  Loan  Not Accepted 1   2   4   33   Estimated  Settlement Charges Not Agreed Escrow  Account  Information Is  Valid Summary  of  Loan  Not Accepted 9   6   5   8   7   11   12   Include  All  Reasons  for  Denial   Include  Estimated  Settlement  charges  and  Escrow Account Information invalid As Reasons For Denial 10   Include  Escrow  Account  Information  Is  Invalid  And Summary  of Loan Not Accepted as Reasons for denial Include  Only  Summary  of  Loan  as  Reason  for  denial 73
  74. 74.   Add  proper  Letterhead  items,  Follow  Up  For  Items   Missing  From  NJ  FHA  Checklist     NO  Items  Missing  From  NJ   Conventional  Checklist     1   Review  of   Documents  Report     2   3   Items  Missing  From  NJ  FHA  Checklist   Items  Missing  from  NJ  Conventional  Checklist   No  Items  Necessary     5   Items  Missing  From  NJ   Conventional  Checklist     Add  Proper  Letterhead  Items,  Follow  Up  With   Needed  NJ  Conventional  Documents     Add  Proper  Letterhead   Items,  Inform  of  Acceptance   6   Add  Proper  Letterhead  Items,  Follow  Up  For  Items  Missing   From  NJ  FHA  Checklist  and  Conventional  Checklist   4   7   74
  75. 75. Glenndenning  Structured  English   Generate  Terms  for  Denial  Structured  English   1. DO  WHILE  customer  is  Denied 2.   3.   4.   5. IF  Estimated  Settlement  Charges  are  not  agreed  on  AND  Escrow  Account  Information  is  Invalid  AND Summary  of  Loan  is  not  accepted   6. THEN  include  those  reasons  in  a  tailored  Letter  of  Rejection  AND  Send  Letter 7. ELSE  IF  Estimated  Settlement  Charges  are  not  agreed  on  OR  Escrow  Account  Information  is  Invalid  OR Summary  of  Loan  is  not  accepted   8. THEN  include  those  reasons  in  a  tailored  Letter  of  Rejection  AND  Send  Letter 9. END  IF 10. Follow  up  with  customer 11. END  DO 12.   13.   14.   15.   16.   17.   18.   75
  76. 76.   Generate  Needed  Documents  Structured  English     1.  DO  Until  there  are  no  items  missing  from  NJ  FHA  AND  Conventional  Checklists   2.   GET  NJ  FHA  Checklist     3.   GET  NJ  Conventional  Checklist   4.     GET  Request  Letter  Letterhead   5.    IF  there  are  missing  items  from  NJ  FHA  checklist  AND  NJ  Conventional  Checklist     6.   THEN  include  missing  items  from  both  checklists  AND  Send  Request  Letter   7.    ELSE  IF  there  are  items  missing  from  NJ  FHA  Checklist  OR  NJ  Conventional  Checklist   8.   THEN  include  missing  items  to  Request  Letter  Letterhead  AND  Send  Request  Letter   9.    ELSE  IF  there  is  no  missing  items   10.     THEN  include  there  are  no  missing  items  to  Request  Letter  Letterhead   11.  END  IF   12.  Follow  up  with  customer   13.  END  DO   14.   15.   16.   17.   18.       76
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  87. 87. Discharge of Mortgage Prepared by: (Print signer's name below signature) _______________________________________ DISCHARGE OF MORTGAGE A certain Mortgage dated , was made by to This Mortgage was made to secure payment of $ and interest. It was recorded or registered in the office of the county recording officer of County, New Jersey, on , in mortgage book on page . This Mortgage has been PAID IN FULL or otherwise SATISFIED and DISCHARGED. It may now be discharged of record. This means that this Mortgage is now cancelled and void. I sign and CERTIFY to this Discharge of Mortgage on . Witnessed or Attested by: __________________________________ __________________________ [Seal] __________________________________ __________________________ [Seal] STATE OF NEW JERSEY, COUNTY OF SS.: I CERTIFY that on , personally came before me and acknowledged under oath, to my satisfaction, that this person (or if more than one, each person): (a) is named in and personally signed this document; and (b) signed, sealed and delivered this document as his or her act and deed. ____________________________________ NOTARY PUBLIC STATE OF NEW JERSEY, COUNTY OF SS.: I CERTIFY that on , personally came before me and acknowledged under oath, to my satisfaction, that: (a) this person is the secretary of the corporation named in this document; (b) this person is the attesting witness to the signing of this document by the proper corporate officer who is the President of the corporation; (c) this document was signed and delivered by the corporation as its voluntary act duly authorized by a proper resolution of its Board of Directors; (d) this person knows the proper seal of the corporation which was affixed to this document; and (e) this person signed this proof to attest to the truth of these facts. Signed and sworn to before me on . _______________________________________ NOTARY PUBLIC 87
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  89. 89. SIMPLE  LOAN  AGREEMENT   1. Parties:  The  undersigned  is  ______________________,  the  Borrower,  and  the  Lender  is   _______________________________________.   2. Date  of  Agreement:  ________________________________________________.   3. Promise  to  Pay:  Within  _____  months  from  today,  Borrower  promises  to  pay  to   Lender_________________________  dollars  ($_______)  and  interest  as  well  as  other  charges   avowed  below.   4. Accountability:  Although  this  agreement  may  be  signed  below  by  more  than  one  person,  each  of   the  undersigned  understands  that  they  are  each  as  individuals  responsible  and  jointly  and   severally  liable  for  paying  back  the  full  amount.   5. Breakdown  of  Loan:  Borrower  will  pay:     Amount  of  Loan:  $__________   Other  (Describe)  $__________   Amount  financed:  $__________   Finance  charge:  $__________   Total  of  payments:  $__________   ANNUAL  PERCENTAGE  RATE________________%   6. Repayment:  Borrower  will  pay  back  in  the  following  manner:  Borrower  will  repay  the  amount  of   this  note  in  _____equal  continuous  monthly  installments  of  $____________  each  on  the  _____   day  of  each  month  preliminary  on  the  _____day  of  _______,  20____,  and  ending  on  _________,   20____.   7. Prepayment:  Borrower  has  the  right  to  pay  back  the  whole  exceptional  amount  at  any  time.  If   Borrower  pays  before  time,  or  if  this  loan  is  refinanced  or  replaced  by  a  new  note,  Lender  will   refund  the  unearned  finance  charge,  figured  by  the  Rule  of  78-­‐a  commonly  used  formula  for   figuring  rebates  on  installment  loans.   8. Late  Charge:  Any  payment  not  remunerated  within  ten  (10)  days  of  its  due  date  shall  be  subject   to  a  belatedly  charge  of  5%  of  the  payment,  not  to  exceed  $____________  for  any  such  late   installment.   9. Security:  To  protect  Lender,  Borrower  gives  what  is  known  as  a  security  interest  or  mortgage  in:   [Describe:]   __________________________________________________________________________   ___________________________________________________________________________   ___________________________________________________________________________   ___________________________________________________________________________   10. Default:  If  for  any  reason  Borrower  not  succeeds  to  make  any  payment  on  time,  Borrower  shall   be  in  default.  The  Lender  can  then  order  instant  payment  of  the  entire  remaining  unpaid  balance   of  this  loan,  without  giving  anyone  further  notices.  If  Borrower  has  not  paid  the  full  amount  of   the  loan  when  the  final  payment  is  due,  the  Lender  will  charge  Borrower  interest  on  the  unpaid   balance  at  ______  percent  (%)  per  year.   11. Collection  fees:  If  this  note  is  placed  with  a  legal  representative  for  collection,  then  Borrower   agrees  to  pay  an  attorney's  fee  of  fifteen  percent  (15%)  of  the  voluntary  balance.  This  fee  will  be   added  to  the  unpaid  balance  of  the  loan.   12. Co-­‐borrowers:  Any  Co-­‐borrowers  signing  this  agreement  agree  to  be  likewise  accountable  with   the  borrower  for  this  loan.     89
  90. 90.     Agreed:                 ______________________________                     Lender   ________________________________         ______________________________   Borrower               Borrower     90
  91. 91. 91
  92. 92. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 1 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Glendenning Mortgage System TOP ___________________________________________________________________________________________ Application Criteria Data Flow Description: Accountants report of customers financial info. Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Company Financial Acountant ( External Entity ) Dest: Easy Mortgage Loan System ( Process ) Mortgage Loan System ( 0 ) Source: Company Financial Acountant ( External Entity ) Dest: Generate Needed Documents ( Process ) Generate Needed Documents( 5 ) Source: *** Not on Diagram *** Dest: Customer Recuitment ( Process ) Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- ARM Disclosure Data Flow Description: Disclosure ARM for customer Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Easy Mortgage Loan System ( Process ) Dest: Mortgage Applicant ( External Entity ) Mortgage Loan System ( 0 ) Source: Generate Truth-in-Lending Disclosure ( Process ) Dest: Mortgage Applicant ( External Entity ) Generate Truth-in-Lending Disclosure( 3 ) 92
  93. 93. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 2 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Glendenning Mortgage System TOP ___________________________________________________________________________________________ Source: Share Lending Disclosure documents to Docusign ( Process ) Dest: *** Not on Diagram *** Date Last Altered: 4/17/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- Company Financial Acountant External Entity Description: The independent financial accountant for Glendenning Mortgage. Location: Glendenning Mortgage System TOP ( CONTEXT ) Input Flows: Documents Report Output Flows: Application Criteria Mortgage Loan System ( 0 ) Input Flows: Documents Report Output Flows: Application Criteria Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Consumer Handbook on Adjustable-Rate Mortgages. Data Flow Description: Handbook for customer references. Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Easy Mortgage Loan System ( Process ) Dest: Mortgage Applicant ( External Entity ) Mortgage Loan System ( 0 ) Source: Generate Truth-in-Lending Disclosure ( Process ) Dest: Mortgage Applicant ( External Entity ) 93
  94. 94. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 3 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Glendenning Mortgage System TOP ___________________________________________________________________________________________ Generate Truth-in-Lending Disclosure( 3 ) Source: Share Lending Disclosure documents to Docusign ( Process ) Dest: *** Not on Diagram *** Date Last Altered: 4/17/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- Documents Report Data Flow Description: Report of financial information of customer. Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Easy Mortgage Loan System ( Process ) Dest: Company Financial Acountant ( External Entity ) Mortgage Loan System ( 0 ) Source: Create Customer Profile ( Process ) Dest: Generate Needed Documents ( Process ) Source: Generate Needed Documents ( Process ) Dest: Company Financial Acountant ( External Entity ) Create Customer Profile ( 8 ) Source: Review Customer Detail ( Process ) Dest: *** Not on Diagram *** Generate Needed Documents( 5 ) Source: *** Not on Diagram *** Dest: Customer Recuitment ( Process ) Source: Customer Recuitment ( Process ) Dest: *** Not on Diagram *** Date Last Altered: 4/17/2015 Date Created: 3/17/2015 -------------------------------------------------------------------------------------------------------------------------------- 94
  95. 95. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 4 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Glendenning Mortgage System TOP ___________________________________________________________________________________________ Docusign External Entity Description: The COTS company that provides edocuments for the loan process. Location: Glendenning Mortgage System TOP ( CONTEXT ) Input Flows: Profile Progress Output Flows: Signed Documents GFE Mortgage Loan System ( 0 ) Input Flows: Profile Progress GTLD Output Flows: Signed Documents GTLD Input Flows: Profile Progress GFE Output Flows: Signed Documents GFE Input Flows: Profile Progress Closing Output Flows: Signed Documents Closing Input Flows: Profile Progress Create Customer Profile ( 8 ) Input Flows: Profile Progress Date Last Altered: 4/17/2015 Date Created: 4/12/2015 -------------------------------------------------------------------------------------------------------------------------------- Easy Mortgage Loan System Process Process #: 0 Location: Glendenning Mortgage System TOP ( CONTEXT ) 95
  96. 96. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 5 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Glendenning Mortgage System TOP ___________________________________________________________________________________________ Input Flows: Identification Application Criteria Mortgage Application Financial Information Signed Documents GFE Output Flows: Letter of Rejection Request Letter Fees Documents Report ARM Disclosure Provided copy of A Home Buyers Guide to Settlement Costs Consumer Handbook on Adjustable-Rate Mortgages. Profile Progress Date Last Altered: 3/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Fees Data Flow Description: Fees needed to be paid by customer Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Easy Mortgage Loan System ( Process ) Dest: Mortgage Applicant ( External Entity ) Mortgage Loan System ( 0 ) Source: Closing ( Process ) Dest: Mortgage Applicant ( External Entity ) Closing ( 7 ) Source: Share Closing documents to Docusign ( Process ) Dest: *** Not on Diagram *** Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- 96
  97. 97. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 6 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Glendenning Mortgage System TOP ___________________________________________________________________________________________ Financial Information Data Flow Description: Financial Information from customer Composition: Escrow Letter : Char 3 months bank statements : Char address and zip code for bank accounts : Char source of funds for large deposits on accounts : Char stocks and securities : Char Most recents year end statement : Char Pay Stubs : Char W-2s : Char Tax Returns : Char Ssi : Char Pension : Char Disability : Char Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Mortgage Applicant ( External Entity ) Dest: Easy Mortgage Loan System ( Process ) Mortgage Loan System ( 0 ) Source: Mortgage Applicant ( External Entity ) Dest: Accept Initial Application ( Process ) Accept Documents ( 1 ) Source: *** Not on Diagram *** Dest: Validate Customer Documents ( Process ) Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Identification Data Flow Description: Identification from customer 97
  98. 98. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 7 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Glendenning Mortgage System TOP ___________________________________________________________________________________________ Composition: Drivers License : Char Social Security Number : Integer 4 Birth Certificate : Char Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Mortgage Applicant ( External Entity ) Dest: Easy Mortgage Loan System ( Process ) Mortgage Loan System ( 0 ) Source: Mortgage Applicant ( External Entity ) Dest: Accept Initial Application ( Process ) Accept Documents ( 1 ) Source: *** Not on Diagram *** Dest: Validate Customer Documents ( Process ) Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Letter of Rejection Data Flow Description: Rejection letter to customer. Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Easy Mortgage Loan System ( Process ) Dest: Mortgage Applicant ( External Entity ) Mortgage Loan System ( 0 ) Source: Generate Terms For Denial ( Process ) Dest: Mortgage Applicant ( External Entity ) Generate Terms For Denial ( 4 ) Source: Prepare Letter of Rejection ( Process ) Dest: *** Not on Diagram *** 98
  99. 99. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 8 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Glendenning Mortgage System TOP ___________________________________________________________________________________________ Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Mortgage Applicant External Entity Description: Loan Applicant. Location: Glendenning Mortgage System TOP ( CONTEXT ) Input Flows: Letter of Rejection Request Letter Fees ARM Disclosure Provided copy of A Home Buyers Guide to Settlement Costs Consumer Handbook on Adjustable-Rate Mortgages. Output Flows: Identification Mortgage Application Financial Information Mortgage Loan System ( 0 ) Input Flows: Letter of Rejection Request Letter Fees ARM Disclosure Provided copy of A Home Buyers Guide to Settlement Costs Consumer Handbook on Adjustable-Rate Mortgages. Output Flows: Identification Mortgage Application Financial Information Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Mortgage Application Data Flow Description: Application filled out by customer 99
  100. 100. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 9 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Glendenning Mortgage System TOP ___________________________________________________________________________________________ Composition: Application : Char Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Mortgage Applicant ( External Entity ) Dest: Easy Mortgage Loan System ( Process ) Mortgage Loan System ( 0 ) Source: Mortgage Applicant ( External Entity ) Dest: Accept Initial Application ( Process ) Accept Documents ( 1 ) Source: *** Not on Diagram *** Dest: Validate Customer Documents ( Process ) Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Profile Progress Data Flow Description: Customer creates profile and it gets sent to Docusign. Composition: Name : Char Address : Char Phone Number : Integer 4 Employment : Char SSN : Integer 4 Income : Decimal Marital Status : Char Debt : Decimal Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Easy Mortgage Loan System ( Process ) Dest: Docusign ( External Entity ) 100
  101. 101. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 10 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Glendenning Mortgage System TOP ___________________________________________________________________________________________ Mortgage Loan System ( 0 ) Source: Create Customer Profile ( Process ) Dest: Docusign ( External Entity ) Generate Good Faith Estimate ( 2 ) Source: Share documents to Docusign ( Process ) Dest: *** Not on Diagram *** Source: Easy Morgage Database Drive ( Data Store ) Dest: Estimate Morgage Terms (Good Faith Estimate) ( Process ) Create Customer Profile ( 8 ) Source: Easy Morgage Database Drive ( Data Store ) Dest: Add Customer Record ( Process ) Source: Create Docusign Account For Customer ( Process ) Dest: Docusign ( External Entity ) Generate Truth-in-Lending Disclosure( 3 ) Source: Share Lending Disclosure documents to Docusign ( Process ) Dest: *** Not on Diagram *** Source: Easy Morgage Database Drive ( Data Store ) Dest: Agree Upon and Generate Truth-in-Lending Disclosure ( Process ) Closing ( 7 ) Source: Share Closing documents to Docusign ( Process ) Dest: *** Not on Diagram *** Source: Easy Morgage Database Drive ( Data Store ) Dest: Place signed documents in Database Drive ( Process ) Date Last Altered: 4/17/2015 Date Created: 3/17/2015 -------------------------------------------------------------------------------------------------------------------------------- Provided copy of A Home Buyers Guide to Settlement Costs Data Flow Description: Copy for customers filing. 101
  102. 102. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 11 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Glendenning Mortgage System TOP ___________________________________________________________________________________________ Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Easy Mortgage Loan System ( Process ) Dest: Mortgage Applicant ( External Entity ) Mortgage Loan System ( 0 ) Source: Generate Truth-in-Lending Disclosure ( Process ) Dest: Mortgage Applicant ( External Entity ) Generate Truth-in-Lending Disclosure( 3 ) Source: Share Lending Disclosure documents to Docusign ( Process ) Dest: *** Not on Diagram *** Date Last Altered: 4/17/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- Request Letter Data Flow Description: Letter asking customer for documents needed. Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Easy Mortgage Loan System ( Process ) Dest: Mortgage Applicant ( External Entity ) Mortgage Loan System ( 0 ) Source: Generate Needed Documents ( Process ) Dest: Mortgage Applicant ( External Entity ) Generate Needed Documents( 5 ) Source: Customer Recuitment ( Process ) Dest: *** Not on Diagram *** Date Last Altered: 4/17/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- 102
  103. 103. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 12 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Glendenning Mortgage System TOP ___________________________________________________________________________________________ Signed Documents GFE Data Flow Description: Documents required for the good faith estimate. Composition: Signed estimated settlement charges : Signed escrow account information : signed summary of loan : Char Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Docusign ( External Entity ) Dest: Easy Mortgage Loan System ( Process ) Mortgage Loan System ( 0 ) Source: Docusign ( External Entity ) Dest: Generate Good Faith Estimate ( Process ) Generate Good Faith Estimate ( 2 ) Source: *** Not on Diagram *** Dest: Share documents to Docusign ( Process ) Generate Truth-in-Lending Disclosure( 3 ) Source: *** Not on Diagram *** Dest: Share Lending Disclosure documents to Docusign ( Process ) Closing ( 7 ) Source: *** Not on Diagram *** Dest: Share Closing documents to Docusign ( Process ) Date Last Altered: 4/17/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- 103
  104. 104. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 13 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Accept Initial Application Process Description: Receives application from customer. Process #: 1 Process Description: Receives mortgage application, financial information and identification from customer and creates a custo Location: Mortgage Loan System ( 0 ) Input Flows: Identification Mortgage Application Financial Information Output Flows: Submitted Documents Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Accepted Data Flow Location: Mortgage Loan System ( 0 ) Source: Create Customer Profile ( Process ) Dest: Generate Good Faith Estimate ( Process ) Generate Good Faith Estimate ( 2 ) Source: *** Not on Diagram *** Dest: Estimate Morgage Terms (Good Faith Estimate) ( Process ) Create Customer Profile ( 8 ) Source: Create Docusign Account For Customer ( Process ) Dest: *** Not on Diagram *** Date Last Altered: 3/2/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- 104
  105. 105. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 14 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Affidavits and Declarations Data Flow Location: Mortgage Loan System ( 0 ) Source: Generate Truth-in-Lending Disclosure ( Process ) Dest: Closing ( Process ) Generate Truth-in-Lending Disclosure( 3 ) Source: Share Lending Disclosure documents to Docusign ( Process ) Dest: *** Not on Diagram *** Closing ( 7 ) Source: *** Not on Diagram *** Dest: Share Closing documents to Docusign ( Process ) Date Last Altered: 3/2/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Application Criteria Data Flow Description: Accountants report of customers financial info. Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Company Financial Acountant ( External Entity ) Dest: Easy Mortgage Loan System ( Process ) Mortgage Loan System ( 0 ) Source: Company Financial Acountant ( External Entity ) Dest: Generate Needed Documents ( Process ) Generate Needed Documents( 5 ) Source: *** Not on Diagram *** Dest: Customer Recuitment ( Process ) Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- 105
  106. 106. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 15 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ ARM Disclosure Data Flow Description: Disclosure ARM for customer Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Easy Mortgage Loan System ( Process ) Dest: Mortgage Applicant ( External Entity ) Mortgage Loan System ( 0 ) Source: Generate Truth-in-Lending Disclosure ( Process ) Dest: Mortgage Applicant ( External Entity ) Generate Truth-in-Lending Disclosure( 3 ) Source: Share Lending Disclosure documents to Docusign ( Process ) Dest: *** Not on Diagram *** Date Last Altered: 4/17/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- Closing Process Description: finalizing the loan Process #: 7 Process Description: This is the final use of docusign needed to complete the loan. Location: Mortgage Loan System ( 0 ) Input Flows: Mortgage Note Mortgage or Deed of Trust Affidavits and Declarations The HUD-1 Statement Signed Documents Closing 106
  107. 107. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 16 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Output Flows: Fees Profile Progress Closing Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Company Financial Acountant External Entity Description: The independent financial accountant for Glendenning Mortgage. Location: Glendenning Mortgage System TOP ( CONTEXT ) Input Flows: Documents Report Output Flows: Application Criteria Mortgage Loan System ( 0 ) Input Flows: Documents Report Output Flows: Application Criteria Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Consumer Handbook on Adjustable-Rate Mortgages. Data Flow Description: Handbook for customer references. Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Easy Mortgage Loan System ( Process ) Dest: Mortgage Applicant ( External Entity ) Mortgage Loan System ( 0 ) 107
  108. 108. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 17 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Source: Generate Truth-in-Lending Disclosure ( Process ) Dest: Mortgage Applicant ( External Entity ) Generate Truth-in-Lending Disclosure( 3 ) Source: Share Lending Disclosure documents to Docusign ( Process ) Dest: *** Not on Diagram *** Date Last Altered: 4/17/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- Create Customer Profile Process Description: Profile of customer. Process #: 8 Process Description: A full profile of the customer to include the customers financial information, identification and everything Location: Mortgage Loan System ( 0 ) Input Flows: Submitted Documents Output Flows: Accepted Documents Report Profile Progress Date Last Altered: 4/17/2015 Date Created: 3/17/2015 -------------------------------------------------------------------------------------------------------------------------------- Denied Data Flow Location: Mortgage Loan System ( 0 ) Source: Generate Good Faith Estimate ( Process ) Dest: Generate Terms For Denial ( Process ) Generate Good Faith Estimate ( 2 ) 108
  109. 109. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 18 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Source: Estimate Morgage Terms (Good Faith Estimate) ( Process ) Dest: *** Not on Diagram *** Generate Terms For Denial ( 4 ) Source: *** Not on Diagram *** Dest: Prepare Letter of Rejection ( Process ) Date Last Altered: 3/2/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Documents Report Data Flow Description: Report of financial information of customer. Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Easy Mortgage Loan System ( Process ) Dest: Company Financial Acountant ( External Entity ) Mortgage Loan System ( 0 ) Source: Create Customer Profile ( Process ) Dest: Generate Needed Documents ( Process ) Source: Generate Needed Documents ( Process ) Dest: Company Financial Acountant ( External Entity ) Create Customer Profile ( 8 ) Source: Review Customer Detail ( Process ) Dest: *** Not on Diagram *** Generate Needed Documents( 5 ) Source: *** Not on Diagram *** Dest: Customer Recuitment ( Process ) Source: Customer Recuitment ( Process ) Dest: *** Not on Diagram *** Date Last Altered: 4/17/2015 Date Created: 3/17/2015 -------------------------------------------------------------------------------------------------------------------------------- 109
  110. 110. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 19 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Docusign External Entity Description: The COTS company that provides edocuments for the loan process. Location: Glendenning Mortgage System TOP ( CONTEXT ) Input Flows: Profile Progress Output Flows: Signed Documents GFE Mortgage Loan System ( 0 ) Input Flows: Profile Progress GTLD Output Flows: Signed Documents GTLD Input Flows: Profile Progress GFE Output Flows: Signed Documents GFE Input Flows: Profile Progress Closing Output Flows: Signed Documents Closing Input Flows: Profile Progress Create Customer Profile ( 8 ) Input Flows: Profile Progress Date Last Altered: 4/17/2015 Date Created: 4/12/2015 -------------------------------------------------------------------------------------------------------------------------------- Fees Data Flow Description: Fees needed to be paid by customer 110
  111. 111. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 20 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Easy Mortgage Loan System ( Process ) Dest: Mortgage Applicant ( External Entity ) Mortgage Loan System ( 0 ) Source: Closing ( Process ) Dest: Mortgage Applicant ( External Entity ) Closing ( 7 ) Source: Share Closing documents to Docusign ( Process ) Dest: *** Not on Diagram *** Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Financial Information Data Flow Description: Financial Information from customer Composition: Escrow Letter : Char 3 months bank statements : Char address and zip code for bank accounts : Char source of funds for large deposits on accounts : Char stocks and securities : Char Most recents year end statement : Char Pay Stubs : Char W-2s : Char Tax Returns : Char Ssi : Char Pension : Char Disability : Char Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Mortgage Applicant ( External Entity ) Dest: Easy Mortgage Loan System ( Process ) 111
  112. 112. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 21 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Mortgage Loan System ( 0 ) Source: Mortgage Applicant ( External Entity ) Dest: Accept Initial Application ( Process ) Accept Documents ( 1 ) Source: *** Not on Diagram *** Dest: Validate Customer Documents ( Process ) Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Generate Good Faith Estimate Process Description: Estimate of property. Process #: 2 Process Description: An estimate of the property that the customer is looking at taking out a loan for is generated for the custom Location: Mortgage Loan System ( 0 ) Input Flows: Accepted Signed Documents GFE Output Flows: Signed summary of loan Signed escrow account information Signed estimated settlement charges Denied Profile Progress GFE Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Generate Needed Documents Process Description: Missing documents 112
  113. 113. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 22 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Process #: 5 Process Description: Any documents still needed from the customer. Location: Mortgage Loan System ( 0 ) Input Flows: Application Criteria NJ FHA Loan Process Checklist Retrieval NJ Conventional Checklist Retrieval Request Letter Letterhead Documents Report Output Flows: Request Letter Documents Report Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Generate Terms For Denial Process Description: customer denied loan. Process #: 4 Process Description: The customers reason for not going forward with the loan after receiving good faith estimate. Location: Mortgage Loan System ( 0 ) Input Flows: Denied Output Flows: Letter of Rejection Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- 113
  114. 114. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 23 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Generate Truth-in-Lending Disclosure Process Description: Disclosure that will need to be signed by customer. Process #: 3 Process Description: A disclosure for the customer to sign. Location: Mortgage Loan System ( 0 ) Input Flows: Signed summary of loan Signed escrow account information Signed estimated settlement charges Signed Documents GTLD Output Flows: ARM Disclosure Provided copy of A Home Buyers Guide to Settlement Costs Consumer Handbook on Adjustable-Rate Mortgages. Mortgage Note Mortgage or Deed of Trust Affidavits and Declarations The HUD-1 Statement Profile Progress GTLD Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Identification Data Flow Description: Identification from customer Composition: Drivers License : Char Social Security Number : Integer 4 Birth Certificate : Char 114
  115. 115. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 24 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Mortgage Applicant ( External Entity ) Dest: Easy Mortgage Loan System ( Process ) Mortgage Loan System ( 0 ) Source: Mortgage Applicant ( External Entity ) Dest: Accept Initial Application ( Process ) Accept Documents ( 1 ) Source: *** Not on Diagram *** Dest: Validate Customer Documents ( Process ) Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Letter of Rejection Data Flow Description: Rejection letter to customer. Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Easy Mortgage Loan System ( Process ) Dest: Mortgage Applicant ( External Entity ) Mortgage Loan System ( 0 ) Source: Generate Terms For Denial ( Process ) Dest: Mortgage Applicant ( External Entity ) Generate Terms For Denial ( 4 ) Source: Prepare Letter of Rejection ( Process ) Dest: *** Not on Diagram *** Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- 115
  116. 116. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 25 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Mortgage Applicant External Entity Description: Loan Applicant. Location: Glendenning Mortgage System TOP ( CONTEXT ) Input Flows: Letter of Rejection Request Letter Fees ARM Disclosure Provided copy of A Home Buyers Guide to Settlement Costs Consumer Handbook on Adjustable-Rate Mortgages. Output Flows: Identification Mortgage Application Financial Information Mortgage Loan System ( 0 ) Input Flows: Letter of Rejection Request Letter Fees ARM Disclosure Provided copy of A Home Buyers Guide to Settlement Costs Consumer Handbook on Adjustable-Rate Mortgages. Output Flows: Identification Mortgage Application Financial Information Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Mortgage Application Data Flow Description: Application filled out by customer Composition: Application : Char 116
  117. 117. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 26 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Mortgage Applicant ( External Entity ) Dest: Easy Mortgage Loan System ( Process ) Mortgage Loan System ( 0 ) Source: Mortgage Applicant ( External Entity ) Dest: Accept Initial Application ( Process ) Accept Documents ( 1 ) Source: *** Not on Diagram *** Dest: Validate Customer Documents ( Process ) Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Mortgage Note Data Flow Location: Mortgage Loan System ( 0 ) Source: Generate Truth-in-Lending Disclosure ( Process ) Dest: Closing ( Process ) Generate Truth-in-Lending Disclosure( 3 ) Source: Share Lending Disclosure documents to Docusign ( Process ) Dest: *** Not on Diagram *** Closing ( 7 ) Source: *** Not on Diagram *** Dest: Share Closing documents to Docusign ( Process ) Date Last Altered: 3/2/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Mortgage or Deed of Trust Data Flow Location: Mortgage Loan System ( 0 ) 117
  118. 118. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 27 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Source: Generate Truth-in-Lending Disclosure ( Process ) Dest: Closing ( Process ) Generate Truth-in-Lending Disclosure( 3 ) Source: Share Lending Disclosure documents to Docusign ( Process ) Dest: *** Not on Diagram *** Closing ( 7 ) Source: *** Not on Diagram *** Dest: Share Closing documents to Docusign ( Process ) Date Last Altered: 3/2/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- NJ Conventional Checklist Retrieval Data Flow Location: Mortgage Loan System ( 0 ) Source: NJ Conventional Loan Processing Checklist ( Data Store ) Dest: Generate Needed Documents ( Process ) Generate Needed Documents( 5 ) Source: *** Not on Diagram *** Dest: Customer Recuitment ( Process ) Date Last Altered: 3/17/2015 Date Created: 3/17/2015 -------------------------------------------------------------------------------------------------------------------------------- NJ Conventional Loan Processing Checklist Data Store Data Store #: D2 Location: Mortgage Loan System ( 0 ) Output Flows: NJ Conventional Checklist Retrieval Date Last Altered: 3/17/2015 Date Created: 3/17/2015 -------------------------------------------------------------------------------------------------------------------------------- 118
  119. 119. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 28 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ NJ FHA Loan Process Checklist Retrieval Data Flow Location: Mortgage Loan System ( 0 ) Source: NJ FHA Loan Processing Checklist ( Data Store ) Dest: Generate Needed Documents ( Process ) Generate Needed Documents( 5 ) Source: *** Not on Diagram *** Dest: Customer Recuitment ( Process ) Date Last Altered: 3/17/2015 Date Created: 3/17/2015 -------------------------------------------------------------------------------------------------------------------------------- NJ FHA Loan Processing Checklist Data Store Description: Checklist for NJ FHA Loan Data Store #: D4 Composition: Automated underwriting : Char underwriting transmittal : Char revised 1003 : Char initital 1003 : Char 92900 : Char new tangible benefit form : Char payoff : Char ssa form : Char borrowers id : Char inquiry explanation : Char subordinate lien note : Char liability verification : Char Income : Decimal 4506T : Char assets : Char proof of deposit money : Char FHA case assignment : Char Amendatory Clause : Char contract : Char program disclosures : Char borrowers authorization : Char 119
  120. 120. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 29 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ e-SIGN : Char home counseling list : Char home counselor agent list : Char ECOA : Char use and occupancy : Char credit file audit notice : Char credit score disclosure : Char privacy disclosure : Char appraisal report : Char hazard insurance authorization : Char notice of furnishing negative info : Char mortgage fraud notice : Char fair credit reporting act : Char equal credit OA : Char Patriot Act : Char Loan Servicing Disclosure : Char MIP Authorization : Char Home Inspection : Char FHA ID of Interest : Char Location: Mortgage Loan System ( 0 ) Output Flows: NJ FHA Loan Process Checklist Retrieval Date Last Altered: 4/17/2015 Date Created: 3/17/2015 -------------------------------------------------------------------------------------------------------------------------------- Profile Progress Data Flow Description: Customer creates profile and it gets sent to Docusign. Composition: Name : Char Address : Char Phone Number : Integer 4 Employment : Char SSN : Integer 4 Income : Decimal Marital Status : Char Debt : Decimal 120
  121. 121. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 30 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Easy Mortgage Loan System ( Process ) Dest: Docusign ( External Entity ) Mortgage Loan System ( 0 ) Source: Create Customer Profile ( Process ) Dest: Docusign ( External Entity ) Generate Good Faith Estimate ( 2 ) Source: Share documents to Docusign ( Process ) Dest: *** Not on Diagram *** Source: Easy Morgage Database Drive ( Data Store ) Dest: Estimate Morgage Terms (Good Faith Estimate) ( Process ) Create Customer Profile ( 8 ) Source: Easy Morgage Database Drive ( Data Store ) Dest: Add Customer Record ( Process ) Source: Create Docusign Account For Customer ( Process ) Dest: Docusign ( External Entity ) Generate Truth-in-Lending Disclosure( 3 ) Source: Share Lending Disclosure documents to Docusign ( Process ) Dest: *** Not on Diagram *** Source: Easy Morgage Database Drive ( Data Store ) Dest: Agree Upon and Generate Truth-in-Lending Disclosure ( Process ) Closing ( 7 ) Source: Share Closing documents to Docusign ( Process ) Dest: *** Not on Diagram *** Source: Easy Morgage Database Drive ( Data Store ) Dest: Place signed documents in Database Drive ( Process ) Date Last Altered: 4/17/2015 Date Created: 3/17/2015 -------------------------------------------------------------------------------------------------------------------------------- 121
  122. 122. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 31 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Profile Progress Closing Data Flow Description: documents that are to be signed by customer at closing. Composition: mortgage note : Char Mortgage or Deed of Trust : Char affidavits and declaraions : Char The HUD-1 Statement : Char Location: Mortgage Loan System ( 0 ) Source: Closing ( Process ) Dest: Docusign ( External Entity ) Closing ( 7 ) Source: *** Not on Diagram *** Dest: *** Not on Diagram *** Date Last Altered: 4/17/2015 Date Created: 4/17/2015 -------------------------------------------------------------------------------------------------------------------------------- Profile Progress GFE Data Flow Description: Documents needed to be signed by customer to generae Good Faith Estimate. Composition: estimated settlement charges : Char escrow account information : Char summary of loan : Char Location: Mortgage Loan System ( 0 ) Source: Generate Good Faith Estimate ( Process ) Dest: Docusign ( External Entity ) 122
  123. 123. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 32 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Generate Good Faith Estimate ( 2 ) Source: *** Not on Diagram *** Dest: *** Not on Diagram *** Date Last Altered: 4/17/2015 Date Created: 4/17/2015 -------------------------------------------------------------------------------------------------------------------------------- Profile Progress GTLD Data Flow Description: documents needed to be signed by customer to generate Truth-in-Lending Disclosure Composition: Truth in Lending Disclosure : Char Location: Mortgage Loan System ( 0 ) Source: Generate Truth-in-Lending Disclosure ( Process ) Dest: Docusign ( External Entity ) Date Last Altered: 4/17/2015 Date Created: 4/17/2015 -------------------------------------------------------------------------------------------------------------------------------- Provided copy of A Home Buyers Guide to Settlement Costs Data Flow Description: Copy for customers filing. Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Easy Mortgage Loan System ( Process ) Dest: Mortgage Applicant ( External Entity ) Mortgage Loan System ( 0 ) Source: Generate Truth-in-Lending Disclosure ( Process ) Dest: Mortgage Applicant ( External Entity ) 123
  124. 124. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 33 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Generate Truth-in-Lending Disclosure( 3 ) Source: Share Lending Disclosure documents to Docusign ( Process ) Dest: *** Not on Diagram *** Date Last Altered: 4/17/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- Request Letter Data Flow Description: Letter asking customer for documents needed. Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Easy Mortgage Loan System ( Process ) Dest: Mortgage Applicant ( External Entity ) Mortgage Loan System ( 0 ) Source: Generate Needed Documents ( Process ) Dest: Mortgage Applicant ( External Entity ) Generate Needed Documents( 5 ) Source: Customer Recuitment ( Process ) Dest: *** Not on Diagram *** Date Last Altered: 4/17/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- Request Letter Letterhead Data Flow Location: Mortgage Loan System ( 0 ) Source: Request Letter Letterhead ( Data Store ) Dest: Generate Needed Documents ( Process ) Generate Needed Documents( 5 ) Source: *** Not on Diagram *** Dest: Customer Recuitment ( Process ) 124
  125. 125. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 34 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Date Last Altered: 3/21/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- Request Letter Letterhead Data Store Description: Letter requesting customers information. Data Store #: D9 Composition: 3 months bank statements : Char Pay Stubs : Char W-2s : Char Tax Returns : Char Balance Sheet : Integer 4 Notes : Char Ssi : Char Pension : Char Disability : Char Liabilities : Char DD214 : Char cert of eligibility : Char Miscellaneous : Char Location: Mortgage Loan System ( 0 ) Output Flows: Request Letter Letterhead Date Last Altered: 4/17/2015 Date Created: 3/17/2015 -------------------------------------------------------------------------------------------------------------------------------- Signed Documents Closing Data Flow Description: Documents signed by the customer at closing. Composition: Signed Mortgage Note : Char Signed Mortgage or Deed of Trust : Signed Affidavits and Declarations : 125
  126. 126. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 35 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Signed The HUD-1 Statement : Location: Mortgage Loan System ( 0 ) Source: Docusign ( External Entity ) Dest: Closing ( Process ) Date Last Altered: 4/17/2015 Date Created: 4/17/2015 -------------------------------------------------------------------------------------------------------------------------------- Signed Documents GFE Data Flow Description: Documents required for the good faith estimate. Composition: Signed estimated settlement charges : Signed escrow account information : signed summary of loan : Char Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Docusign ( External Entity ) Dest: Easy Mortgage Loan System ( Process ) Mortgage Loan System ( 0 ) Source: Docusign ( External Entity ) Dest: Generate Good Faith Estimate ( Process ) Generate Good Faith Estimate ( 2 ) Source: *** Not on Diagram *** Dest: Share documents to Docusign ( Process ) Generate Truth-in-Lending Disclosure( 3 ) Source: *** Not on Diagram *** Dest: Share Lending Disclosure documents to Docusign ( Process ) Closing ( 7 ) 126
  127. 127. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 36 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Source: *** Not on Diagram *** Dest: Share Closing documents to Docusign ( Process ) Date Last Altered: 4/17/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- Signed Documents GTLD Data Flow Description: Documents needed to Generate Truth-in-Lending Disclosure Composition: Signed Truth in Lending Disclosure : Char Location: Mortgage Loan System ( 0 ) Source: Docusign ( External Entity ) Dest: Generate Truth-in-Lending Disclosure ( Process ) Date Last Altered: 4/17/2015 Date Created: 4/17/2015 -------------------------------------------------------------------------------------------------------------------------------- Signed escrow account information Data Flow Location: Mortgage Loan System ( 0 ) Source: Generate Good Faith Estimate ( Process ) Dest: Generate Truth-in-Lending Disclosure ( Process ) Generate Good Faith Estimate ( 2 ) Source: Share documents to Docusign ( Process ) Dest: *** Not on Diagram *** Generate Truth-in-Lending Disclosure( 3 ) Source: *** Not on Diagram *** Dest: Agree Upon and Generate Truth-in-Lending Disclosure ( Process ) Data Flow --> Signed Documents GFE 127
  128. 128. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 37 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Date Last Altered: 3/21/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- Signed estimated settlement charges Data Flow Location: Mortgage Loan System ( 0 ) Source: Generate Good Faith Estimate ( Process ) Dest: Generate Truth-in-Lending Disclosure ( Process ) Generate Good Faith Estimate ( 2 ) Source: Share documents to Docusign ( Process ) Dest: *** Not on Diagram *** Generate Truth-in-Lending Disclosure( 3 ) Source: *** Not on Diagram *** Dest: Agree Upon and Generate Truth-in-Lending Disclosure ( Process ) Data Flow --> Signed Documents GFE Date Last Altered: 3/21/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- Signed summary of loan Data Flow Location: Mortgage Loan System ( 0 ) Source: Generate Good Faith Estimate ( Process ) Dest: Generate Truth-in-Lending Disclosure ( Process ) Generate Good Faith Estimate ( 2 ) Source: Share documents to Docusign ( Process ) Dest: *** Not on Diagram *** Generate Truth-in-Lending Disclosure( 3 ) Source: *** Not on Diagram *** Dest: Agree Upon and Generate Truth-in-Lending Disclosure ( Process ) Date Last Altered: 3/21/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- 128
  129. 129. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 38 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Mortgage Loan System ___________________________________________________________________________________________ Submitted Documents Data Flow Location: Mortgage Loan System ( 0 ) Source: Accept Initial Application ( Process ) Dest: Create Customer Profile ( Process ) Accept Documents ( 1 ) Source: Add to Customer Network Folder ( Process ) Dest: *** Not on Diagram *** Create Customer Profile ( 8 ) Source: *** Not on Diagram *** Dest: Add Customer Record ( Process ) Date Last Altered: 3/17/2015 Date Created: 3/17/2015 -------------------------------------------------------------------------------------------------------------------------------- The HUD-1 Statement Data Flow Location: Mortgage Loan System ( 0 ) Source: Generate Truth-in-Lending Disclosure ( Process ) Dest: Closing ( Process ) Generate Truth-in-Lending Disclosure( 3 ) Source: Share Lending Disclosure documents to Docusign ( Process ) Dest: *** Not on Diagram *** Closing ( 7 ) Source: *** Not on Diagram *** Dest: Share Closing documents to Docusign ( Process ) Date Last Altered: 3/2/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- 129
  130. 130. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 39 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Accept Documents ___________________________________________________________________________________________ Add to Customer Network Folder Process Process #: 1.1 Location: Accept Documents ( 1 ) Input Flows: Valid Customer Documents Output Flows: Submitted Documents Date Last Altered: 3/21/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Financial Information Data Flow Description: Financial Information from customer Composition: Escrow Letter : Char 3 months bank statements : Char address and zip code for bank accounts : Char source of funds for large deposits on accounts : Char stocks and securities : Char Most recents year end statement : Char Pay Stubs : Char W-2s : Char Tax Returns : Char Ssi : Char Pension : Char Disability : Char Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Mortgage Applicant ( External Entity ) Dest: Easy Mortgage Loan System ( Process ) Mortgage Loan System ( 0 ) Source: Mortgage Applicant ( External Entity ) Dest: Accept Initial Application ( Process ) 130
  131. 131. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 40 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Accept Documents ___________________________________________________________________________________________ Accept Documents ( 1 ) Source: *** Not on Diagram *** Dest: Validate Customer Documents ( Process ) Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Identification Data Flow Description: Identification from customer Composition: Drivers License : Char Social Security Number : Integer 4 Birth Certificate : Char Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Mortgage Applicant ( External Entity ) Dest: Easy Mortgage Loan System ( Process ) Mortgage Loan System ( 0 ) Source: Mortgage Applicant ( External Entity ) Dest: Accept Initial Application ( Process ) Accept Documents ( 1 ) Source: *** Not on Diagram *** Dest: Validate Customer Documents ( Process ) Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Mortgage Application Data Flow Description: Application filled out by customer 131
  132. 132. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 41 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Accept Documents ___________________________________________________________________________________________ Composition: Application : Char Location: Glendenning Mortgage System TOP ( CONTEXT ) Source: Mortgage Applicant ( External Entity ) Dest: Easy Mortgage Loan System ( Process ) Mortgage Loan System ( 0 ) Source: Mortgage Applicant ( External Entity ) Dest: Accept Initial Application ( Process ) Accept Documents ( 1 ) Source: *** Not on Diagram *** Dest: Validate Customer Documents ( Process ) Date Last Altered: 4/17/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Not Accepted Data Flow Location: Accept Documents ( 1 ) Source: Validate Customer Documents ( Process ) Dest: *** Not on Diagram *** Date Last Altered: 3/2/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Submitted Documents Data Flow Location: Mortgage Loan System ( 0 ) Source: Accept Initial Application ( Process ) Dest: Create Customer Profile ( Process ) Accept Documents ( 1 ) 132
  133. 133. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 42 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Accept Documents ___________________________________________________________________________________________ Source: Add to Customer Network Folder ( Process ) Dest: *** Not on Diagram *** Create Customer Profile ( 8 ) Source: *** Not on Diagram *** Dest: Add Customer Record ( Process ) Date Last Altered: 3/17/2015 Date Created: 3/17/2015 -------------------------------------------------------------------------------------------------------------------------------- Valid Customer Documents Data Flow Location: Accept Documents ( 1 ) Source: Validate Customer Documents ( Process ) Dest: Add to Customer Network Folder ( Process ) Date Last Altered: 3/21/2015 Date Created: 3/17/2015 -------------------------------------------------------------------------------------------------------------------------------- Validate Customer Documents Process Process #: 1.2 Location: Accept Documents ( 1 ) Input Flows: Identification Financial Information Mortgage Application Output Flows: Not Accepted Valid Customer Documents Date Last Altered: 3/21/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- 133
  134. 134. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 43 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Generate Good Faith Estimate ___________________________________________________________________________________________ Accepted Data Flow Location: Mortgage Loan System ( 0 ) Source: Create Customer Profile ( Process ) Dest: Generate Good Faith Estimate ( Process ) Generate Good Faith Estimate ( 2 ) Source: *** Not on Diagram *** Dest: Estimate Morgage Terms (Good Faith Estimate) ( Process ) Create Customer Profile ( 8 ) Source: Create Docusign Account For Customer ( Process ) Dest: *** Not on Diagram *** Date Last Altered: 3/2/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Customer Detail Data Flow Location: Generate Good Faith Estimate ( 2 ) Source: Estimate Morgage Terms (Good Faith Estimate) ( Process ) Dest: Easy Morgage Database Drive ( Data Store ) Create Customer Profile ( 8 ) Source: Add Customer Record ( Process ) Dest: Easy Morgage Database Drive ( Data Store ) Source: Add Customer Record ( Process ) Dest: Review Customer Detail ( Process ) Source: Review Customer Detail ( Process ) Dest: Create Docusign Account For Customer ( Process ) Generate Truth-in-Lending Disclosure( 3 ) Source: Agree Upon and Generate Truth-in-Lending Disclosure ( Process ) Dest: Easy Morgage Database Drive ( Data Store ) Closing ( 7 ) 134
  135. 135. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 44 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Generate Good Faith Estimate ___________________________________________________________________________________________ Source: Place signed documents in Database Drive ( Process ) Dest: Easy Morgage Database Drive ( Data Store ) Date Last Altered: 3/17/2015 Date Created: 3/17/2015 -------------------------------------------------------------------------------------------------------------------------------- Denied Data Flow Location: Mortgage Loan System ( 0 ) Source: Generate Good Faith Estimate ( Process ) Dest: Generate Terms For Denial ( Process ) Generate Good Faith Estimate ( 2 ) Source: Estimate Morgage Terms (Good Faith Estimate) ( Process ) Dest: *** Not on Diagram *** Generate Terms For Denial ( 4 ) Source: *** Not on Diagram *** Dest: Prepare Letter of Rejection ( Process ) Date Last Altered: 3/2/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Easy Morgage Database Drive Data Store Data Store #: D8 Location: Generate Good Faith Estimate ( 2 ) Input Flows: Customer Detail Output Flows: Profile Progress Create Customer Profile ( 8 ) Input Flows: Customer Detail Output Flows: Profile Progress Generate Truth-in-Lending Disclosure( 3 ) 135
  136. 136. Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 45 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Generate Good Faith Estimate ___________________________________________________________________________________________ Input Flows: Customer Detail Output Flows: Profile Progress Closing ( 7 ) Input Flows: Customer Detail Output Flows: Profile Progress Date Last Altered: 3/21/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- escrow account information Data Flow Location: Generate Good Faith Estimate ( 2 ) Source: Estimate Morgage Terms (Good Faith Estimate) ( Process ) Dest: Share documents to Docusign ( Process ) Date Last Altered: 3/2/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Estimate Morgage Terms (Good Faith Estimate) Process Process #: 2.1 Location: Generate Good Faith Estimate ( 2 ) Input Flows: Accepted Profile Progress Output Flows: summary of loan escrow account information Denied estimated settlement charges Customer Detail Date Last Altered: 3/21/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- 136

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