Sample loan. This is the real product’s red file of NRMLA’s published Sample Loan package (80 pages), read by the same pipeline your files go through on 2026-10-23. A published sample HECM closing package (2006); its borrowers and lender are fictitious. Sign up to read your own, or see how to read a red file.

Sample loan · Sample Loan package

80 pages · 56 documents found · 26 issues raised. Page links open the publisher’s PDF at that page.

AI review (advisory): concern

26 open issues · 2 likely block closing across 56 documents.

The loan at a glance

Borrower

p.74 · 1 page agree

Property address

p.4 · 15 pages agree

Loan number

p.9 · 5 pages agree

Lender

p.2 · 5 pages agree

Loan amount

p.14 · 2 pages agree

Interest rate

p.19 · 4 pages agree

APR

p.9 · 1 page agree

Monthly payment

p.9 · 1 page agree

Closing date

p.1 · 4 pages agree

Maturity date

p.14 · 2 pages agree

To close this file

2 items that usually block closing, 24 that may.

  • blocks closing · from Originator or document source — Inspect the page images. If a page was altered or generated, obtain a clean original from the source and escalate per your policy.
  • blocks closing · from Originator or document source — Inspect the page images. If a page was altered or generated, obtain a clean original from the source and escalate per your policy.
  • may block closing · from Originator — Check the source page image first: the extraction may be wrong. If the conflict is real, obtain a corrected document or a letter of explanation.
  • may block closing · from Borrower, or the party named on the form — Obtain the missing signature (re-sign if the document is already executed), or confirm the page was only unread.
  • may block closing · from Borrower, or the party named on the form — Obtain the missing signature (re-sign if the document is already executed), or confirm the page was only unread.
  • may block closing · from Borrower, or the party named on the form — Obtain the missing signature (re-sign if the document is already executed), or confirm the page was only unread.
  • may block closing · from Borrower, or the party named on the form — Obtain the missing signature (re-sign if the document is already executed), or confirm the page was only unread.
  • may block closing · from Borrower, or the party named on the form — Obtain the missing signature (re-sign if the document is already executed), or confirm the page was only unread.

+ 18 more in the Issues below

Issues26 open · 0 cured · 0 waived · 0 dismissed

Cross-document conflicts 3

  • Loan Amount Mismatch Across Documents failed on this file.
    $200,160.00subdoc grp deb5ae06b8656a75b588a9967f00c132 5c9a52c2
    $79,618.00subdoc grp deb5ae06b8656a75b588a9967f00c132 8100bd24
    $79,618.00subdoc grp deb5ae06b8656a75b588a9967f00c132 ece399cf

    Suggested cure: Check the source page image first: the extraction may be wrong. If the conflict is real, obtain a corrected document or a letter of explanation. · from Originator · may block closing · wording not yet reviewed by a compliance expert — confirm before relying on it

  • 5067 STATE HWY 13Loan value
    15Loan value pages
    123 Main StreetPage value

    Suggested cure: Check the source page image first: the extraction may be wrong. If the value genuinely differs, obtain a corrected document or title-agent confirmation. · from Originator, title agent · may block closing · wording not yet reviewed by a compliance expert — confirm before relying on it

  • 5067 STATE HWY 13Loan value
    15Loan value pages
    451 Seventh Street, S.W.Page value

    Suggested cure: Check the source page image first: the extraction may be wrong. If the value genuinely differs, obtain a corrected document or title-agent confirmation. · from Originator, title agent · may block closing · wording not yet reviewed by a compliance expert — confirm before relying on it

Signatures 13

  • An unsigned instrument may be unenforceable — this is the first thing opposing counsel checks.

    Suggested cure: Obtain the missing signature (re-sign if the document is already executed), or confirm the page was only unread. · from Borrower, or the party named on the form · may block closing · wording not yet reviewed by a compliance expert — confirm before relying on it

  • An unsigned instrument may be unenforceable — this is the first thing opposing counsel checks.

    Suggested cure: Obtain the missing signature (re-sign if the document is already executed), or confirm the page was only unread. · from Borrower, or the party named on the form · may block closing · wording not yet reviewed by a compliance expert — confirm before relying on it

  • An unsigned instrument may be unenforceable — this is the first thing opposing counsel checks.

    Suggested cure: Obtain the missing signature (re-sign if the document is already executed), or confirm the page was only unread. · from Borrower, or the party named on the form · may block closing · wording not yet reviewed by a compliance expert — confirm before relying on it

  • An unsigned instrument may be unenforceable — this is the first thing opposing counsel checks.

    Suggested cure: Obtain the missing signature (re-sign if the document is already executed), or confirm the page was only unread. · from Borrower, or the party named on the form · may block closing · wording not yet reviewed by a compliance expert — confirm before relying on it

  • An unsigned instrument may be unenforceable — this is the first thing opposing counsel checks.

    Suggested cure: Obtain the missing signature (re-sign if the document is already executed), or confirm the page was only unread. · from Borrower, or the party named on the form · may block closing · wording not yet reviewed by a compliance expert — confirm before relying on it

  • An unsigned instrument may be unenforceable — this is the first thing opposing counsel checks.

    Suggested cure: Obtain the missing signature (re-sign if the document is already executed), or confirm the page was only unread. · from Borrower, or the party named on the form · may block closing · wording not yet reviewed by a compliance expert — confirm before relying on it

  • An unsigned instrument may be unenforceable — this is the first thing opposing counsel checks.

    Suggested cure: Obtain the missing signature (re-sign if the document is already executed), or confirm the page was only unread. · from Borrower, or the party named on the form · may block closing · wording not yet reviewed by a compliance expert — confirm before relying on it

  • An unsigned instrument may be unenforceable — this is the first thing opposing counsel checks.

    Suggested cure: Obtain the missing signature (re-sign if the document is already executed), or confirm the page was only unread. · from Borrower, or the party named on the form · may block closing · wording not yet reviewed by a compliance expert — confirm before relying on it

  • An unsigned instrument may be unenforceable — this is the first thing opposing counsel checks.

    Suggested cure: Obtain the missing signature (re-sign if the document is already executed), or confirm the page was only unread. · from Borrower, or the party named on the form · may block closing · wording not yet reviewed by a compliance expert — confirm before relying on it

  • An unsigned instrument may be unenforceable — this is the first thing opposing counsel checks.

    Suggested cure: Obtain the missing signature (re-sign if the document is already executed), or confirm the page was only unread. · from Borrower, or the party named on the form · may block closing · wording not yet reviewed by a compliance expert — confirm before relying on it

  • An unsigned instrument may be unenforceable — this is the first thing opposing counsel checks.

    Suggested cure: Obtain the missing signature (re-sign if the document is already executed), or confirm the page was only unread. · from Borrower, or the party named on the form · may block closing · wording not yet reviewed by a compliance expert — confirm before relying on it

    • rule mortgage_missing_borrower_signature · high

    Suggested cure: Check the source page image first: the extraction may be wrong. If a signature or initial line is truly empty, obtain it. · from Borrower or co-borrower · may block closing · wording not yet reviewed by a compliance expert — confirm before relying on it

    • rule mortgage_missing_coborrower_signature · high

    Suggested cure: Check the source page image first: the extraction may be wrong. If a signature or initial line is truly empty, obtain it. · from Borrower or co-borrower · may block closing · wording not yet reviewed by a compliance expert — confirm before relying on it

Missing or invalid data 8

  • Hud Va Urla Addendum is missing 5 required fields: borrower_dob, employer_name, monthly_income, application_date, borrower_signature.

    Suggested cure: Supply or correct the value on the document that should carry it. · from Originator, title agent or appraiser, by document · may block closing

  • Urla 1003 is missing 7 required fields: borrower_ssn, borrower_dob, borrower_phone, employer_name, monthly_income….

    Suggested cure: Supply or correct the value on the document that should carry it. · from Originator, title agent or appraiser, by document · may block closing

  • Ca Deed Of Trust is missing 3 required fields: property_address, legal_description, loan_amount.

    Suggested cure: Supply or correct the value on the document that should carry it. · from Originator, title agent or appraiser, by document · may block closing

  • Md Deed Of Trust is missing 3 required fields: property_address, legal_description, loan_amount.

    Suggested cure: Supply or correct the value on the document that should carry it. · from Originator, title agent or appraiser, by document · may block closing

  • Md Deed Of Trust is missing 2 required fields: property_address, loan_amount.

    Suggested cure: Supply or correct the value on the document that should carry it. · from Originator, title agent or appraiser, by document · may block closing

  • Promissory Note is missing 3 required fields: maturity_date, monthly_payment, borrower_signature.

    Suggested cure: Supply or correct the value on the document that should carry it. · from Originator, title agent or appraiser, by document · may block closing

  • Promissory Note is missing 2 required fields: maturity_date, borrower_signature.

    Suggested cure: Supply or correct the value on the document that should carry it. · from Originator, title agent or appraiser, by document · may block closing

  • Closing Disclosure is missing 10 required fields: closing_date, disbursement_date, borrower_name, loan_amount, interest_rate….

    Suggested cure: Supply or correct the value on the document that should carry it. · from Originator, title agent or appraiser, by document · may block closing

Tampering and integrity 2

    • rule page_duplicate · high

    Suggested cure: Inspect the page images. If a page was altered or generated, obtain a clean original from the source and escalate per your policy. · from Originator or document source · usually blocks closing · wording not yet reviewed by a compliance expert — confirm before relying on it

    • rule general_watermark_missing · low

    Suggested cure: Inspect the page images. If a page was altered or generated, obtain a clean original from the source and escalate per your policy. · from Originator or document source · usually blocks closing · wording not yet reviewed by a compliance expert — confirm before relying on it

Loan data 22 fields

Parties
Lenderp.2 · 5 pg · 1 differ
Borrowerp.74 · 1 pg · 2 differ
Property
Property addressp.4 · 15 pg · 13 differ
Parcel numberp.1 · 1 pg · 1 differ
Loan
Loan numberp.9 · 5 pg
Interest ratep.19 · 4 pg · 6 differ
APRp.9 · 1 pg · 1 differ
Money
Closing costsp.10 · 2 pg · 2 differ
Loan amountp.14 · 2 pg · 5 differ
Monthly paymentp.9 · 1 pg · 1 differ
Dates
Closing datep.1 · 4 pg
Maturity datep.14 · 2 pg · 2 differ
Other
Document datep.1 · 7 pg
Notary namep.56 · 4 pg · 5 differ
Countyp.74 · 3 pg · 4 differ
Loan termp.4 · 2 pg · 2 differ
Property taxp.11 · 2 pg · 2 differ
Title companyp.11 · 2 pg · 3 differ
Trustee namep.22 · 2 pg
Appraised valuep.9 · 1 pg
Purchase pricep.9 · 1 pg · 1 differ
Zip codep.9 · 1 pg

The package

DocumentPagesCompletenessSignedIssues
Application & disclosures
p.4unknownnot detected
p.10missing pagesnot detected
p.13unknownnot required—
Rate Lockno pagesunknownnot required—
Intent To Proceedno pagesno extractornot detected—
Income, assets & identity
p.71no extractornot detected—
Tax Returnno pagesunknownnot detected—
Title
p.74missing pagesnot required
Underwriting
pp.6–7no extractornot required—
p.9no extractornot required—
p.37no extractornot required—
p.48no extractornot required—
p.79no extractornot required—
Closing
p.11missing pagesnot detected—
pp.14–23completenot detected
pp.24–26missing pagesnot detected
pp.27–31missing pagesnot detected
p.33missing pagesnot detected
pp.34–36completenot detected
p.38missing pagesnot detected
p.40missing pagesnot detected
p.42missing pagesnot detected
p.49unknownnot detected—
p.52missing pagesnot detected
p.56no extractornot detected—
p.58no extractornot detected—
pp.61–66no extractornot detected
p.68unknownnot detected—
p.72no extractornot detected—
Closing Instructionsno pagesno extractornot detected—
Post-closing & recording
pp.76–77unknownnot required
Qc Auditno pagesno extractornot required—
Servicing
p.73no extractornot required—
Payoff Statementno pagesno extractornot required—
General & riders
pp.1–3no extractornot required
p.5no extractornot required—
p.8no extractornot required
p.12no extractornot required—
p.32no extractornot required—
p.39no extractornot required
p.41no extractornot required—
p.43no extractornot required—
pp.44–47no extractornot required—
pp.50–51no extractornot required—
pp.53–54no extractornot required—
p.55no extractornot required—
p.57no extractornot required—
p.59no extractornot required—
p.60no extractornot required
p.67no extractornot required—
pp.69–70no extractornot required—
p.75no extractornot required—
p.78no extractornot required—
p.80no extractornot required—
Income Documentno pagesno extractornot required—
Riderno pagesno extractornot required—
Key loan terms, document by document 9 terms · 5 differ
Loan number
  • 291-3475358-952
  • 291-3475358-952
  • 291-3475358-952
  • 291-3475358-952
  • 291-3475358-952
  • 291-3475358-952Rate Lock
Co-borrower
  • false
  • false
  • false
  • false
  • false
  • false
  • false
Borrowerdiffers across documents
  • The undersigned
  • The undersigned
  • JANE C. BORROWER
  • false
  • false
  • false
  • false
  • false
  • false
  • false
  • false
  • false
  • false
  • false
  • Joseph K. Borrower
  • JOSEPH K. BORROWERRate Lock
Lenderdiffers across documents
  • Lender's
  • Lender's
  • Lender's
  • Lender's
  • Lender's
  • Lender's
  • Lender's
  • Lender's
  • Lender's
  • Lender's
  • Federal National Mortgage Association
Property addressdiffers across documents
  • 5067 STATE HWY 13
  • 5067 STATE HWY 13
  • 123 Main Street, Your City, California
  • 123 Main Street, Your City, California
  • 4153 BROADWAY,
  • 4153 BROADWAY,
Loan amountdiffers across documents
  • 79618
  • 79618
  • 200160
Interest ratediffers across documents
  • 6.08
  • 6.08
  • 6.51
  • fixed
  • fixed
  • fixed
  • fixed
  • 5Rate Lock
Loan term
  • 60
  • 60
Loan type / purpose
  • construction
  • construction
Everything extracted, document by document
Hud Va Urla Addendum p.4 · 12 fields
Loan Amount
Loan Purpose
Borrower Name
Interest Rate
Property Type
Borrower Signed
Loan Term Months
Property Address
Borrower Employer
Gift Funds Source
Co Borrower Signed
Borrower Current Address
Urla 1003 p.10 · 12 fields
Loan Amount
Loan Purpose
Borrower Name
Interest Rate
Property Type
Borrower Signed
Loan Term Months
Property Address
Borrower Employer
Gift Funds Source
Co Borrower Signed
Borrower Current Address
Closing Disclosure p.11 · 3 fields
Loan Number
Earnest Money
Settlement Agent
Pricing Secondary Sell Side p.13 · 4 fields
Loan Amount
Loan Number
Borrower Name
Interest Rate
Ca Deed Of Trust pp.14–23 · 7 fields
Deed Type
Notarized
Lender Name
Has Arm Rider
Has Pud Rider
Borrower Signed
Has Condo Rider
Md Deed Of Trust pp.24–26 · 7 fields
Deed Type
Notarized
Lender Name
Has Arm Rider
Has Pud Rider
Borrower Signed
Has Condo Rider
Ca Deed Of Trust pp.27–31 · 7 fields
Deed Type
Notarized
Lender Name
Has Arm Rider
Has Pud Rider
Borrower Signed
Has Condo Rider
Md Deed Of Trust p.33 · 7 fields
Deed Type
Notarized
Lender Name
Has Arm Rider
Has Pud Rider
Borrower Signed
Has Condo Rider
Promissory Note pp.34–36 · 6 fields
Lender Name
Borrower Signed
Co Borrower Signed
Interest Rate Type
Prepayment Penalty
Acceleration Clause
Promissory Note p.38 · 6 fields
Lender Name
Borrower Signed
Co Borrower Signed
Interest Rate Type
Prepayment Penalty
Acceleration Clause
Promissory Note p.40 · 6 fields
Lender Name
Borrower Signed
Co Borrower Signed
Interest Rate Type
Prepayment Penalty
Acceleration Clause
Promissory Note p.42 · 6 fields
Lender Name
Borrower Signed
Co Borrower Signed
Interest Rate Type
Prepayment Penalty
Acceleration Clause
Nj Mortgage p.49 · 10 fields
County
Deed Type
Notarized
Lender Name
Loan Number
Has Arm Rider
Has Pud Rider
Borrower Signed
Has Condo Rider
Property Address
Closing Disclosure p.52 · 8 fields
Has Escrow
Is Assumable
Seller Signed
Balloon Payment
Borrower Signed
Co Borrower Signed
Prepayment Penalty
Has Late Payment Fee
Nj Mortgage p.68 · 10 fields
County
Deed Type
Notarized
Lender Name
Loan Number
Has Arm Rider
Has Pud Rider
Borrower Signed
Has Condo Rider
Property Address
Title Commitment p.74 · 4 fields
Title Company
Has Schedule A
Has Schedule B
Property Address
Promissory Note pp.76–77 · 14 fields
State
County
Deed Type
Notarized
Lender Name
Loan Number
Notary Name
Trustee Name
Borrower Name
Has Arm Rider
Has Pud Rider
Borrower Signed
Has Condo Rider
Property Address
Rate Lock no pages · 4 fields
Loan Number
291-3475358-952
Borrower Name
JOSEPH K. BORROWER
Interest Rate
5
Discount Points
2
File health — Pages 80 · Documents 56 · Stacks 8 · Checks run 6 · Open issues 26

Pages

80

Documents

56

Stacks

8

Checks run

6

Open issues

26

Unsigned docs

22

Unclassified pages

0

Reviewer notes

0