Disclosure: Submission of this Uniform Residential Loan Application (URLA / Form 1003) constitutes a formal mortgage application under RESPA. You will receive a Loan Estimate within 3 business days. A credit report will be obtained with your authorization. Equal Housing Opportunity. All loans subject to credit approval, appraisal, and underwriting guidelines. Lex · NMLS #1025448. Verify at nmlsconsumeraccess.org.