Download to read offline
![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](https://image.slidesharecdn.com/542d600f-16a6-4616-a2b8-982e6ee0a62b-150428095228-conversion-gate02/85/Glenndenning-Morgage-Final-Submission-87-320.jpg)
![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](https://image.slidesharecdn.com/542d600f-16a6-4616-a2b8-982e6ee0a62b-150428095228-conversion-gate02/85/Glenndenning-Morgage-Final-Submission-89-320.jpg)
![Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 2
Time: 3:32:00 PM
Detailed Listing -- Alphabetically
All Entries -- Entity Relationship
Current Diagram is: Docusign
___________________________________________________________________________________________
Financial Accountant Entity
Location:
Docusign
Attached relationships on Docusign:
Requests Information MIN: 1 MAX: many
Buyer
Date Last Altered: 4/26/2015 Date Created: 4/26/2015
--------------------------------------------------------------------------------------------------------------------------------
Mortgage Attributive Entity
Foreign Key(s):
Buyer 'mortgage approved for buyer' Mortgage
On Delete Restrict
On Update Restrict
On Insert of Child Row Restrict
Location:
Docusign
Attached relationships on Docusign:
mortgage issued by Glennding MIN: 1 MAX: 1
Buyer
Date Last Altered: 4/26/2015 Date Created: 4/26/2015
--------------------------------------------------------------------------------------------------------------------------------
mortgage approved for buyer Relationship
Attached Objects:
Buyer
mortgage approved for buyer MIN: 1 MAX: 1
Mortgage
[ mortgage issued by Glennding ] MIN: 1 MAX: 1
Foreign Key(s):
Buyer 'mortgage approved for buyer' Mortgage
On Delete Restrict
On Update Restrict
176](https://image.slidesharecdn.com/542d600f-16a6-4616-a2b8-982e6ee0a62b-150428095228-conversion-gate02/85/Glenndenning-Morgage-Final-Submission-176-320.jpg)
![Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 3
Time: 3:32:00 PM
Detailed Listing -- Alphabetically
All Entries -- Entity Relationship
Current Diagram is: Docusign
___________________________________________________________________________________________
On Insert of Child Row Restrict
Location:
Docusign
Date Last Altered: 4/26/2015 Date Created: 4/26/2015
--------------------------------------------------------------------------------------------------------------------------------
mortgage issued by Glennding Relationship
Attached Objects:
Mortgage
mortgage issued by Glennding MIN: 1 MAX: 1
Buyer
[ mortgage approved for buyer ] MIN: 1 MAX: 1
Foreign Key(s):
Buyer 'mortgage approved for buyer' Mortgage
On Delete Restrict
On Update Restrict
On Insert of Child Row Restrict
Location:
Docusign
Date Last Altered: 4/26/2015 Date Created: 4/26/2015
--------------------------------------------------------------------------------------------------------------------------------
Requests Information Relationship
Attached Objects:
Financial Accountant
Requests Information MIN: 1 MAX: many
Buyer
[ Sends Financial Information ] MIN: 1 MAX: 1
Foreign Key(s):
Financial Accountant 'Requests Information' Buyer
On Delete Restrict
On Update Restrict
On Insert of Child Row Restrict
Location:
Docusign
177](https://image.slidesharecdn.com/542d600f-16a6-4616-a2b8-982e6ee0a62b-150428095228-conversion-gate02/85/Glenndenning-Morgage-Final-Submission-177-320.jpg)
![Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 4
Time: 3:32:00 PM
Detailed Listing -- Alphabetically
All Entries -- Entity Relationship
Current Diagram is: Docusign
___________________________________________________________________________________________
Date Last Altered: 4/26/2015 Date Created: 4/26/2015
--------------------------------------------------------------------------------------------------------------------------------
Sends documents to be signed Relationship
Attached Objects:
Buyer
Sends documents to be signed MIN: 1 MAX: 1
Docusign
[ Signs ] MIN: 1 MAX: many
Foreign Key(s):
Docusign 'Signs' Buyer
On Delete Restrict
On Update Restrict
On Insert of Child Row Restrict
Location:
Docusign
Date Last Altered: 4/26/2015 Date Created: 4/26/2015
--------------------------------------------------------------------------------------------------------------------------------
Sends Financial Information Relationship
Attached Objects:
Buyer
Sends Financial Information MIN: 1 MAX: 1
Financial Accountant
[ Requests Information ] MIN: 1 MAX: many
Foreign Key(s):
Financial Accountant 'Requests Information' Buyer
On Delete Restrict
On Update Restrict
On Insert of Child Row Restrict
Location:
Docusign
Date Last Altered: 4/26/2015 Date Created: 4/26/2015
--------------------------------------------------------------------------------------------------------------------------------
178](https://image.slidesharecdn.com/542d600f-16a6-4616-a2b8-982e6ee0a62b-150428095228-conversion-gate02/85/Glenndenning-Morgage-Final-Submission-178-320.jpg)
![Date: 4/26/2015 Project: GLENDENNING MORTGAGE Page: 5
Time: 3:32:00 PM
Detailed Listing -- Alphabetically
All Entries -- Entity Relationship
Current Diagram is: Docusign
___________________________________________________________________________________________
Signs Relationship
Attached Objects:
Docusign
Signs MIN: 1 MAX: many
Buyer
[ Sends documents to be signed ] MIN: 1 MAX: 1
Foreign Key(s):
Docusign 'Signs' Buyer
On Delete Restrict
On Update Restrict
On Insert of Child Row Restrict
Location:
Docusign
Date Last Altered: 4/26/2015 Date Created: 4/26/2015
--------------------------------------------------------------------------------------------------------------------------------
179](https://image.slidesharecdn.com/542d600f-16a6-4616-a2b8-982e6ee0a62b-150428095228-conversion-gate02/85/Glenndenning-Morgage-Final-Submission-179-320.jpg)
Glenndenning Morgage Final Submission
- 1. Glendenning Mortgage Team 1: PeterQuarelli BobToltowics Peter Eichen Jeff Carrion 1
- 2. Table of Contents TopicPage 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. 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. Team 1 Glendenning Mortgage TheGlendenning 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. the office andmanually 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. Team 1 1. Nameof 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. 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. 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. in a securefolder 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. -Stocks and investmentsvalue -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. -Proof of childsupport 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. -4506T -Assets -Proof of depositmoney -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. -NJ Delivery ServiceFee 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. 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
- 15.
- 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.
- 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.
- 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.
- 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.
- 24. Event Source Trigger Customerlogs 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. Activity Response Find customeraccount 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.
- 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.
- 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.
- 31.
- 32.
- 33.
- 34.
- 35.
- 36.
- 37.
- 38.
- 39.
- 40.
- 41.
- 42.
- 43.
- 44.
- 45.
- 46.
- 47.
- 48.
- 49.
- 50.
- 51.
- 52.
- 53.
- 54.
- 55.
- 56.
- 57.
- 58.
- 59.
- 60.
- 61.
- 62.
- 63.
- 64.
- 65.
- 66.
- 67.
- 68.
- 69.
- 70.
- 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. 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. 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. 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. 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. 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
- 77.
- 78.
- 79.
- 80.
- 81.
- 82.
- 83.
- 84.
- 85.
- 86.
- 87. Discharge of Mortgage Preparedby: (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
- 88.
- 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. Agreed: ______________________________ Lender ________________________________ ______________________________ Borrower Borrower 90
- 91.
- 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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
- 137. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 46 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 ___________________________________________________________________________________________ estimated settlement charges 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 -------------------------------------------------------------------------------------------------------------------------------- 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 ) 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 ) 137
- 138. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 47 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 ___________________________________________________________________________________________ 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 -------------------------------------------------------------------------------------------------------------------------------- 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 ) Generate Good Faith Estimate ( 2 ) 138
- 139. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 48 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: *** Not on Diagram *** Dest: *** Not on Diagram *** Date Last Altered: 4/17/2015 Date Created: 4/17/2015 -------------------------------------------------------------------------------------------------------------------------------- Share documents to Docusign Process Process #: 2.2 Location: Generate Good Faith Estimate ( 2 ) Input Flows: summary of loan escrow account information Signed Documents GFE estimated settlement charges Output Flows: Profile Progress Signed estimated settlement charges Signed escrow account information Signed summary of loan Date Last Altered: 3/21/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- 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 ) 139
- 140. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 49 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: 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 -------------------------------------------------------------------------------------------------------------------------------- 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 Date Last Altered: 3/21/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- 140
- 141. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 50 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 ___________________________________________________________________________________________ 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 -------------------------------------------------------------------------------------------------------------------------------- 141
- 142. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 51 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 ___________________________________________________________________________________________ summary of loan 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 -------------------------------------------------------------------------------------------------------------------------------- 142
- 143. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 52 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Create Customer Profile ___________________________________________________________________________________________ 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 -------------------------------------------------------------------------------------------------------------------------------- Add Customer Record Process Process #: 8.1 Location: Create Customer Profile ( 8 ) Input Flows: Submitted Documents Profile Progress Output Flows: Customer Detail Customer Detail Date Last Altered: 3/21/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- Create Docusign Account For Customer Process Process #: 8.2 Location: Create Customer Profile ( 8 ) Input Flows: Customer Detail 143
- 144. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 53 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Create Customer Profile ___________________________________________________________________________________________ Output Flows: Accepted Profile Progress Date Last Altered: 3/21/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- 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 ) 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 -------------------------------------------------------------------------------------------------------------------------------- Documents Report Data Flow Description: Report of financial information of customer. 144
- 145. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 54 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Create Customer Profile ___________________________________________________________________________________________ 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 -------------------------------------------------------------------------------------------------------------------------------- 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 145
- 146. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 55 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Create Customer Profile ___________________________________________________________________________________________ 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 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 ) Input Flows: Customer Detail Output Flows: Profile Progress Closing ( 7 ) 146
- 147. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 56 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Create Customer Profile ___________________________________________________________________________________________ Input Flows: Customer Detail Output Flows: Profile Progress Date Last Altered: 3/21/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- 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 ) 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 ) 147
- 148. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 57 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Create Customer Profile ___________________________________________________________________________________________ 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 -------------------------------------------------------------------------------------------------------------------------------- Review Customer Detail Process Process #: 8.3 Location: Create Customer Profile ( 8 ) Input Flows: Customer Detail Output Flows: Customer Detail Documents Report Date Last Altered: 3/21/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- Submitted Documents Data Flow Location: Mortgage Loan System ( 0 ) 148
- 149. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 58 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Create Customer Profile ___________________________________________________________________________________________ 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 -------------------------------------------------------------------------------------------------------------------------------- 149
- 150. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 59 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Generate Truth-in-Lending Disclosure ___________________________________________________________________________________________ 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 -------------------------------------------------------------------------------------------------------------------------------- Agree Upon and Generate Truth-in-Lending Disclosure Process Process #: 3.1 Location: Generate Truth-in-Lending Disclosure( 3 ) Input Flows: Signed summary of loan Signed escrow account information Signed estimated settlement charges Profile Progress Output Flows: Final Truth-in-Lending Disclosure Customer Detail Date Last Altered: 3/21/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- ARM Disclosure Data Flow Description: Disclosure ARM for customer 150
- 151. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 60 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Generate Truth-in-Lending Disclosure ___________________________________________________________________________________________ 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 -------------------------------------------------------------------------------------------------------------------------------- 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 ) 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 -------------------------------------------------------------------------------------------------------------------------------- 151
- 152. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 61 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Generate Truth-in-Lending Disclosure ___________________________________________________________________________________________ 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 ) 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 -------------------------------------------------------------------------------------------------------------------------------- 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 152
- 153. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 62 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Generate Truth-in-Lending Disclosure ___________________________________________________________________________________________ Output Flows: Profile Progress Generate Truth-in-Lending Disclosure( 3 ) 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 -------------------------------------------------------------------------------------------------------------------------------- Final Truth-in-Lending Disclosure Data Flow Location: Generate Truth-in-Lending Disclosure( 3 ) Source: Agree Upon and Generate Truth-in-Lending Disclosure ( Process ) Dest: Share Lending Disclosure documents to Docusign ( Process ) Date Last Altered: 3/2/2015 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 ) 153
- 154. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 63 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Generate Truth-in-Lending Disclosure ___________________________________________________________________________________________ Date Last Altered: 3/2/2015 Date Created: 3/2/2015 -------------------------------------------------------------------------------------------------------------------------------- Mortgage or Deed of Trust 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 -------------------------------------------------------------------------------------------------------------------------------- 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 ) 154
- 155. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 64 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Generate Truth-in-Lending Disclosure ___________________________________________________________________________________________ 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. 155
- 156. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 65 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Generate Truth-in-Lending Disclosure ___________________________________________________________________________________________ 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 -------------------------------------------------------------------------------------------------------------------------------- Share Lending Disclosure documents to Docusign Process Process #: 3.2 Location: Generate Truth-in-Lending Disclosure( 3 ) Input Flows: Final Truth-in-Lending Disclosure Signed Documents GFE Output Flows: Mortgage Note Mortgage or Deed of Trust Affidavits and Declarations The HUD-1 Statement Profile Progress ARM Disclosure Provided copy of A Home Buyers Guide to Settlement Costs Consumer Handbook on Adjustable-Rate Mortgages. Date Last Altered: 3/21/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- 156
- 157. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 66 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Generate Truth-in-Lending Disclosure ___________________________________________________________________________________________ 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 -------------------------------------------------------------------------------------------------------------------------------- Signed escrow account information Data Flow Location: Mortgage Loan System ( 0 ) 157
- 158. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 67 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Generate Truth-in-Lending Disclosure ___________________________________________________________________________________________ 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 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 ) 158
- 159. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 68 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Generate Truth-in-Lending Disclosure ___________________________________________________________________________________________ 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 -------------------------------------------------------------------------------------------------------------------------------- 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 -------------------------------------------------------------------------------------------------------------------------------- 159
- 160. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 69 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Closing ___________________________________________________________________________________________ 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 -------------------------------------------------------------------------------------------------------------------------------- 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 ) 160
- 161. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 70 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Closing ___________________________________________________________________________________________ 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 -------------------------------------------------------------------------------------------------------------------------------- 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 ) 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 -------------------------------------------------------------------------------------------------------------------------------- Fees Data Flow Description: Fees needed to be paid by customer 161
- 162. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 71 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Closing ___________________________________________________________________________________________ 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 -------------------------------------------------------------------------------------------------------------------------------- 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 ) 162
- 163. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 72 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Closing ___________________________________________________________________________________________ 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 -------------------------------------------------------------------------------------------------------------------------------- Place signed documents in Database Drive Process Process #: 7.2 Location: Closing ( 7 ) Input Flows: Signed Mortgage Note Signed Affidavits and Declarations Signed The HUD-1 Statement Signed Mortgage or Deed of Trust Profile Progress Output Flows: Customer Detail Date Last Altered: 3/21/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- 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 163
- 164. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 73 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Closing ___________________________________________________________________________________________ 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 ) 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 ) 164
- 165. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 74 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Closing ___________________________________________________________________________________________ Date Last Altered: 4/17/2015 Date Created: 3/17/2015 -------------------------------------------------------------------------------------------------------------------------------- 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 -------------------------------------------------------------------------------------------------------------------------------- Share Closing documents to Docusign Process Process #: 7.1 Location: Closing ( 7 ) Input Flows: Signed Documents GFE Mortgage Note The HUD-1 Statement Affidavits and Declarations Mortgage or Deed of Trust Output Flows: Signed Mortgage Note Signed Affidavits and Declarations Signed The HUD-1 Statement 165
- 166. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 75 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Closing ___________________________________________________________________________________________ Fees Signed Mortgage or Deed of Trust Profile Progress Date Last Altered: 3/21/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- Signed Affidavits and Declarations Data Flow Location: Closing ( 7 ) Source: Share Closing documents to Docusign ( Process ) Dest: Place signed documents in Database Drive ( Process ) Data Flow --> Signed Documents Closing Date Last Altered: 3/21/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- 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 ) 166
- 167. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 76 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Closing ___________________________________________________________________________________________ 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 -------------------------------------------------------------------------------------------------------------------------------- Signed Mortgage Note Data Flow Location: Closing ( 7 ) Source: Share Closing documents to Docusign ( Process ) Dest: Place signed documents in Database Drive ( Process ) Date Last Altered: 3/21/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- Signed Mortgage or Deed of Trust Data Flow Location: Closing ( 7 ) Source: Share Closing documents to Docusign ( Process ) Dest: Place signed documents in Database Drive ( Process ) Data Flow --> Signed Documents Closing Date Last Altered: 3/21/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- 167
- 168. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 77 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Closing ___________________________________________________________________________________________ Signed The HUD-1 Statement Data Flow Location: Closing ( 7 ) Source: Share Closing documents to Docusign ( Process ) Dest: Place signed documents in Database Drive ( Process ) Data Flow --> Signed Documents Closing Date Last Altered: 3/21/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- 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 -------------------------------------------------------------------------------------------------------------------------------- 168
- 169. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 78 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Generate Terms For Denial ___________________________________________________________________________________________ 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 -------------------------------------------------------------------------------------------------------------------------------- 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 -------------------------------------------------------------------------------------------------------------------------------- 169
- 170. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 79 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Generate Terms For Denial ___________________________________________________________________________________________ Prepare Letter of Rejection Process Description: Letter stating reason for rejection. Process #: 4.1 Location: Generate Terms For Denial ( 4 ) Input Flows: Denied Output Flows: Letter of Rejection Date Last Altered: 4/17/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- 170
- 171. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 80 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Generate Needed Documents ___________________________________________________________________________________________ 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 -------------------------------------------------------------------------------------------------------------------------------- Customer Recuitment Process Description: Document from customer Process #: 5.1 Process Description: Holds documents from customer. Location: Generate Needed Documents( 5 ) Input Flows: NJ FHA Loan Process Checklist Retrieval NJ Conventional Checklist Retrieval Request Letter Letterhead Documents Report Application Criteria 171
- 172. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 81 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Generate Needed Documents ___________________________________________________________________________________________ Output Flows: Documents Report Request Letter 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 -------------------------------------------------------------------------------------------------------------------------------- 172
- 173. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 82 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Generate Needed Documents ___________________________________________________________________________________________ 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 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 -------------------------------------------------------------------------------------------------------------------------------- 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 ) 173
- 174. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 83 Time: 3:17:15 PM Detailed Listing -- Alphabetically All Entries -- Data Flow Diagrams Branch: Glendenning Mortgage System TOP Current Diagram is: Generate Needed Documents ___________________________________________________________________________________________ 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 ) Date Last Altered: 3/21/2015 Date Created: 3/21/2015 -------------------------------------------------------------------------------------------------------------------------------- 174
- 175. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 1 Time: 3:32:00 PM Detailed Listing -- Alphabetically All Entries -- Entity Relationship Current Diagram is: Docusign ___________________________________________________________________________________________ Buyer Entity Foreign Key(s): Financial Accountant 'Requests Information' Buyer On Delete Restrict On Update Restrict On Insert of Child Row Restrict Docusign 'Signs' Buyer On Delete Restrict On Update Restrict On Insert of Child Row Restrict Location: Docusign Attached relationships on Docusign: Sends documents to be signed MIN: 1 MAX: 1 Docusign Sends Financial Information MIN: 1 MAX: 1 Financial Accountant mortgage approved for buyer MIN: 1 MAX: 1 Mortgage Date Last Altered: 4/26/2015 Date Created: 4/26/2015 -------------------------------------------------------------------------------------------------------------------------------- Docusign Entity Location: Docusign Attached relationships on Docusign: Signs MIN: 1 MAX: many Buyer Date Last Altered: 4/26/2015 Date Created: 4/26/2015 -------------------------------------------------------------------------------------------------------------------------------- 175
- 176. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 2 Time: 3:32:00 PM Detailed Listing -- Alphabetically All Entries -- Entity Relationship Current Diagram is: Docusign ___________________________________________________________________________________________ Financial Accountant Entity Location: Docusign Attached relationships on Docusign: Requests Information MIN: 1 MAX: many Buyer Date Last Altered: 4/26/2015 Date Created: 4/26/2015 -------------------------------------------------------------------------------------------------------------------------------- Mortgage Attributive Entity Foreign Key(s): Buyer 'mortgage approved for buyer' Mortgage On Delete Restrict On Update Restrict On Insert of Child Row Restrict Location: Docusign Attached relationships on Docusign: mortgage issued by Glennding MIN: 1 MAX: 1 Buyer Date Last Altered: 4/26/2015 Date Created: 4/26/2015 -------------------------------------------------------------------------------------------------------------------------------- mortgage approved for buyer Relationship Attached Objects: Buyer mortgage approved for buyer MIN: 1 MAX: 1 Mortgage [ mortgage issued by Glennding ] MIN: 1 MAX: 1 Foreign Key(s): Buyer 'mortgage approved for buyer' Mortgage On Delete Restrict On Update Restrict 176
- 177. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 3 Time: 3:32:00 PM Detailed Listing -- Alphabetically All Entries -- Entity Relationship Current Diagram is: Docusign ___________________________________________________________________________________________ On Insert of Child Row Restrict Location: Docusign Date Last Altered: 4/26/2015 Date Created: 4/26/2015 -------------------------------------------------------------------------------------------------------------------------------- mortgage issued by Glennding Relationship Attached Objects: Mortgage mortgage issued by Glennding MIN: 1 MAX: 1 Buyer [ mortgage approved for buyer ] MIN: 1 MAX: 1 Foreign Key(s): Buyer 'mortgage approved for buyer' Mortgage On Delete Restrict On Update Restrict On Insert of Child Row Restrict Location: Docusign Date Last Altered: 4/26/2015 Date Created: 4/26/2015 -------------------------------------------------------------------------------------------------------------------------------- Requests Information Relationship Attached Objects: Financial Accountant Requests Information MIN: 1 MAX: many Buyer [ Sends Financial Information ] MIN: 1 MAX: 1 Foreign Key(s): Financial Accountant 'Requests Information' Buyer On Delete Restrict On Update Restrict On Insert of Child Row Restrict Location: Docusign 177
- 178. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 4 Time: 3:32:00 PM Detailed Listing -- Alphabetically All Entries -- Entity Relationship Current Diagram is: Docusign ___________________________________________________________________________________________ Date Last Altered: 4/26/2015 Date Created: 4/26/2015 -------------------------------------------------------------------------------------------------------------------------------- Sends documents to be signed Relationship Attached Objects: Buyer Sends documents to be signed MIN: 1 MAX: 1 Docusign [ Signs ] MIN: 1 MAX: many Foreign Key(s): Docusign 'Signs' Buyer On Delete Restrict On Update Restrict On Insert of Child Row Restrict Location: Docusign Date Last Altered: 4/26/2015 Date Created: 4/26/2015 -------------------------------------------------------------------------------------------------------------------------------- Sends Financial Information Relationship Attached Objects: Buyer Sends Financial Information MIN: 1 MAX: 1 Financial Accountant [ Requests Information ] MIN: 1 MAX: many Foreign Key(s): Financial Accountant 'Requests Information' Buyer On Delete Restrict On Update Restrict On Insert of Child Row Restrict Location: Docusign Date Last Altered: 4/26/2015 Date Created: 4/26/2015 -------------------------------------------------------------------------------------------------------------------------------- 178
- 179. Date: 4/26/2015 Project:GLENDENNING MORTGAGE Page: 5 Time: 3:32:00 PM Detailed Listing -- Alphabetically All Entries -- Entity Relationship Current Diagram is: Docusign ___________________________________________________________________________________________ Signs Relationship Attached Objects: Docusign Signs MIN: 1 MAX: many Buyer [ Sends documents to be signed ] MIN: 1 MAX: 1 Foreign Key(s): Docusign 'Signs' Buyer On Delete Restrict On Update Restrict On Insert of Child Row Restrict Location: Docusign Date Last Altered: 4/26/2015 Date Created: 4/26/2015 -------------------------------------------------------------------------------------------------------------------------------- 179
- 180. TEAM WEIGHTING What arecredits and how should your team divide them up: Credits are a number that represents the amount of work done by a team member in a team project. Your Team has 100 "credits" per person in the Team. Each Teams has 100 “credits” per member. If you believe everyone contributed equally, each member should receive 100 credits. The credits must be a reflection of actual team contribution during the project. You must also submit meeting minutes as evidence that this contract is a reflection of actual contribution. These credits will determine how the team points earned on the project will be allocated among members. Depending on the grade of your team project and how the credits are dispersed, it is possible to get over 100% on the project. You may assign any combination of credits that equal 400 or 500 credits. HOWEVER, individual credits are capped at 110 credits. EVERY MEMBER IN EVERY TEAM MUST AGREE ON THE FINAL DISPERSION OF CREDITS Team Credits to Disperse: 400 (each members- 100 points each) Name Individual Credits Jeff Carrion 100 Bob Toltowicz 100 Peter Quarelli 100 Peter Eichen 100 BY THESE INITIALS I ATTEST THAT I AGREE TOTHIS PAGE: _______ Team Member 1, _______ Team Member 2, ______ Team Member 3, ______ Team Member 4 ______, Team Member 5 _______ 180