Answer:
If you are referring to the Notice of Home Loan Applicant [Section609(g)(1)], it applies to all consumer purpose loan applications for a loan secured by a 1-4 family residential dwelling and the institution uses a credit score. If your institution used the credit score, you must provide this disclosure. If the permanent lender used the credit score, they should provide the disclosure. One further note: The disclosure isn't required "prior to closing." It is to be provided "as soon as reasonably practicable". I recommend you provide it with the Good Faith Estimate.
First published on BankersOnline.com 1/28/08