Who is the lender named on the HUD-1 form?

First I think we need to recognize that the primary purpose of the HUD-1 is consumer disclosure.

Until yesterday, every HUD-1 I have ever produced disclosed the name and address of the mortgage lender named in the NOTE and MORTGAGE.  Simple.

Yesterday, we had a transaction with a retail lender who was working with a wholesaler who called themselves a warehouse lender but really acted like a