2. Table of Contents
Topic Page Number
Cover Page Page 1
Contents Page 2
Description of Project
Page 6
Process Modeling
Page 14
Project Repository
Page 39
Process Specifications
Page 71
Entity Relationship Diagram Page 77
User Interfaces
Page 78
Output Design
Page 86
VA Reports
Page 92
Appendix 11
Page 180
2
3. 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
The Glendenning Mortgage Company supplies businesses and future homeowners
with mortgage financing on a free-will basis. When a buyer is interested in a home and
wishes to get a mortgage through Glendenning Mortgage they have some obstacles to go
through. There is an abundance of paperwork that will be needed from the buyer. The
problem that Glendenning is having is the large amounts of paperwork that needs to be
sent to and from the buyer along with sending these signed papers to banks, credit
bureaus, loan originators, etc.
Sometimes the same papers will be needed multiple times from the buyer, which
has a huge impact on time and effectiveness of the mortgage. The paperwork and loan
begin with a Loan Originator and then go back and forth to a financial accountant within
the company and to outside sources. Theses outside sources are banks, credit bureaus,
termite inspectors, electricians, plumbers, tax assessors, etc. From start to finish, the
mortgage loan process through Glendenning Mortgage usually takes around 45 days.
Now if this process could be expedited that would mean possibly more mortgages closing
per year than they currently have.
Currently the paperwork system at Glendenning Mortgage is all done manually.
Printing out papers, manually signing them, only to be submitted and filed in filing
cabinets seems to be outdated. In order to increase productivity of the company an
electronic system for paperwork needs to be implemented. For example, when a credit
check needs to be signed and approved from the homebuyer, they would have to come to
4
5. the office and manually sign the paper. Our objective is to stop the running around and
give the company the capability to ease the flow of documents between all external
entities. These documents can all be electronically signed through a third party and then
sent immediately to where they are needed. The homebuyer would be able to log on the
Glendenning website and see which documents are needed for approval and signing.
This will increase the company’s productivity drastically along with keeping the
company much more organized than they already are. Buyers can also access the
documents at any time during the day and not just at Glendenning’s business hours.
Another drawback of having hard copies of paperwork and needing manual
signatures is when the closing of a mortgage actually happens. When a homebuyer is
going to close on his or her mortgage there is a meeting called “the closing”. This is
where all the necessary documents are to be signed by the homeowner, which in most
cases can be over 100 pages and 50 signatures. Instead of having a large stack of papers
that the homeowner needs to be scrolling through, an electronic system could enable to
company to just bring a tablet or IPad to the closing and the homebuyer could easily
electronically sign all these papers through a third party consultant such as Docusign.
These papers would then be emailed directly to the homebuyer for filing electronically.
This will easily save time, money, and keep the company and homebuyer more organized
for the future.
5
6. Team 1
1. Name of Department
Glendenning Mortgage Corporation
2. Purpose of Department
- To supply businesses and future homeowners with mortgage financing.
3. Summary of Business Activities
Upon getting a potential buyer the loan originator seeks paperwork from the buyer. W-
2’s, paystubs, tax returns, bank statements, credit card statements and bill statements are among
the many different documents needed initially from the buyer. These documents will be used to
seek approval for a loan from many different banks. Credit checks, termite inspections,
electrical inspections and land surveys are also part of the loan process, which can cause an
abundance of paperwork in itself. All of the information is given to a loan processor from the
loan originator to manually input data from the buyers documents. Countless numbers of
documents will be needed for signing from the buyer and then sent to many different banks,
inspectors, credit bureaus, etc. Once approved for a loan, a closing will take place, which
involves the signing of 50-100 papers by the buyer.
4. Identify Problem, Opportunities and Objectives
Problem:
- Abundance of paperwork that will be needed from the buyer
- Sending paperwork to and from the buyer along with sending these signed papers to
banks, credit bureaus, loan originators, etc.
6
7. 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 secure folder and electronically sent to the buyer. Along with creating a more effective and
efficient mortgage loan process, this can also save the company money on the large amount of
paper needed.
ii. The new systems user community would be the borrower and the mortgage company’s loan
originator and loan processor.
iii. The new system will allow for digital signatures through Docusign and file uploads to the
shared folder of the following:
Documents submitted from borrower
-Copy of deed (for refinance)
-Letter explaining reason for refinance (for refinance)
-Signed sales contract
Departure Home
-Statement of estimated net proceeds from sale of departure home (if applicable)
-Listing agreement (if applicable)
-Contract of sale(if applicable)
-HUD-1 settlement statement(if applicable)
-Copy of current lease(if applicable)
Source of Funds
-Escrow letter from realtor/attorney who is holding the cash deposit towards this purchase
-Proof of escrow deposit
-Most recent 3 months bank statements
-All bank accounts and Account Numbers
-Source of funds statement for any large deposits on bank statements within 3 months
9
10. -Stocks and investments value
-U.S. savings bonds held
-Copy of insurance policy statement
Employment
-Complete address and zip for present and previous employer
-Work history for the past two years
-Pay stubs & W-2 from employers
-School transcripts
-DD214
Income
-Year to date pay stubs
-W-2’s or 1099’s -3 years
-Tax returns- 3years
-Profit/loss balance sheet of your business
-Copies of leases on rentals
-SSI/Award Letter/tax return
-Pension/award letter/tax return
-Disability/award/tax return
-Divorce decree
-Alimony
-Trust income
-List of liabilities/Acct#
-Rental history letter
10
11. -Proof of child support payment
-Proof of alimony payment
FHA/VA Loans
-DD214
-Authorization to live off base
-Transfer orders
-Certification of eligibility request from VA
-Photo ID
-Termite Inspection
Checklist for Loan Processor will be automatic through new system. Documents checked
are:
-Automated underwriting
-Underwriting transmittal (1008)
-Revised 1003
-Initial 1003
-Net tangible benefit form/Cash-out letter
-Payoff
-SSA form
-Borrowers ID
-Inquiry Explanation
-Subordinate lien Note
-Liability verification
-Income in following order: VOE, pay stubs, W2, tax returns
11
12. -4506T
-Assets
-Proof of deposit money
-Legible contract
Disclosures to be filled out and signed by borrower:
-Program disclosure
-Borrowers authorization
-E-sign
-Home Counseling List Acknowledgment
-Home Counselor Agent List
-Notice of Right to Copy of Appraisal
-Use and Occupancy
-Credit File Audit Notice
-Credit Score Disclosure
-Privacy
-Appraisal Report for Lender Use
-Hazard Insurance Authorization
-Notice of Furnishing Negative Information
-Mortgage Fraud FBI Notice
-Fair Credit Reporting Act
-Equal Credit Opportunity Act
-Patriot Act
-Loan Servicing Disclosure
12
13. -NJ Delivery Service Fee Authorization
-NJ Right to Choose Insurance Provider
-NJ Right to Choose Own Attorney
-Re-disclosure sets
-Intent to Proceed
-Acknowledgement of Good Faith Estimate
-GFE
-NJ Disclosure Form Estimated Settlement Service Fees
-TIL
-Itemization of Amount Financed
-Definition of Truth in Lending Terms
13
14. 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
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
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
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
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
24. Event Source Trigger
Customer logs on Customer Customer number and password
Customer creates acct Customer create acct button
Customer submits document Bank upload document button
Customer e-signs existing document Bank esign document
24
25. Activity Response
Find customer account and verify recordLocate last page customer visited?
customer fills out info acct created with customers password
search customer computer to locate fileWeb page uploads document to bank shared file
load document. Customer reviews and signsSigned document moved from pending customer acct file to completed file folder
25
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
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
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
87. Discharge of Mortgage
Prepared by: (Print signer's name below signature)
_______________________________________
DISCHARGE OF MORTGAGE
A certain Mortgage dated , was made by
to
This Mortgage was made to secure payment of $ and interest. It was recorded or registered in the office of
the county recording officer of County, New Jersey, on , in mortgage book on page .
This Mortgage has been PAID IN FULL or otherwise SATISFIED and DISCHARGED. It may now be discharged of record. This means
that this Mortgage is now cancelled and void.
I sign and CERTIFY to this Discharge of Mortgage on .
Witnessed or Attested by:
__________________________________ __________________________ [Seal]
__________________________________ __________________________ [Seal]
STATE OF NEW JERSEY,
COUNTY OF SS.:
I CERTIFY that on ,
personally came before me and acknowledged under oath, to my satisfaction, that this person (or if more than one, each person):
(a) is named in and personally signed this document; and
(b) signed, sealed and delivered this document as his or her act and deed.
____________________________________
NOTARY PUBLIC
STATE OF NEW JERSEY,
COUNTY OF SS.:
I CERTIFY that on ,
personally came before me and acknowledged under oath, to my satisfaction, that:
(a) this person is the secretary of the corporation named in this document;
(b) this person is the attesting witness to the signing of this document by the proper corporate officer who is the
President of the corporation;
(c) this document was signed and delivered by the corporation as its voluntary act duly authorized by a proper resolution of its Board of
Directors;
(d) this person knows the proper seal of the corporation which was affixed to this document; and
(e) this person signed this proof to attest to the truth of these facts.
Signed and sworn to before me on .
_______________________________________
NOTARY PUBLIC
87
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
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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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136