In 2009 my lender admits to making a mistake using an incorrect HUD-1 addendum which caused a delayed endorsement and therefore caused a negative impact on my refinance streamline options to obtain a lower interest rate with a grandfathered MIP rate. 
Although, they admit to making a mistake, they are not reconciling their error with me. 
Refer to attached documentation. I only learned about this mistake because over several years I continued to do research as to why certain refinance options were not available to me and they should have been. If this mistake happened to my loan servicing and it has not been reconciled with me, how many others are unknowingly suffering because of a similar mistake by their servicing lender? 
