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1326 College Avenue, Bronx

BIN 2007181BBL 2027830015Block 2783 · Lot 15Built 18992 storiesGoogle Maps & Street View ↗Tax & zoning on NYC.gov ↗
1 open Class C — see them ↓$17,900.00 recorded as due
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OverviewHealth scoreTimelineFinesEvictionsOwnership historyFinancingOwnerRelated

1326 College Avenue at a glance

1326 College Avenue, Bronx has 2 open city records on file, 1 of them Class C (immediately hazardous), and $17,900.00 recorded as due on OATH/ECB summonses. City marshals have executed 1 eviction at this building. It last sold on Jul 1, 2026 for $665,000. The most recent record is dated Aug 7, 2026.

Open Class C
1
Immediately hazardous — click to see them
Open Class B
1
Hazardous — click to see them
Open Class A
0
Non-hazardous — click to see them
Fines due
$17,900.00
Balance on OATH/ECB summonses
Open per unit
32.00
2 residential units · NYC average 0.31
Evictions
1
Marshal evictions — click to see them
Permits on file
2
Construction permits filed with DOB
Last activity
Aug 7, 2026
DSNY record

Health score for 1326 College Avenue

A composite of the public indicators below. How it is scored.

B
Health score · Sep 11, 2026
Scored from all 208 public records for this building
Scored from city records as published, which lag reality by a day or two, and closed violations rest on owner self-certification. A grade summarizes the public record, not the building itself. Full methodology · report a problem
Open Class C violations
Immediately hazardous, uncertified
This building 1
Open Class B violations
Hazardous
This building 1
Heat & hot water records
Violations and complaints, last 24 months
This building 0
Unpaid penalties
OATH/ECB summonses with balance due
This building $17,900
Bedbug filings with infestations
Annual LL69 filings on record
This building 0
Tenant litigation
Open HP actions in Housing Court
This building 0
Active vacate order
HPD or FDNY order to vacate, still in effect
This building No

Record timeline for 1326 College Avenue

208 records on file, every agency interleaved. Class A, B and C are HPD’s hazard tiers: C is immediately hazardous, A and B explained here.

Download this timeline (CSV) →

OATH / ECB summonses & fines at 1326 College Avenue

$17,900.00 is recorded as due across the 161 summonses below, out of $45,000.00 in penalties imposed. Balances are as the city publishes them; a settlement or write-off that never reached the dataset will not show here. New to these? How an OATH summons becomes a penalty, explained.

OATH and ECB summonses for 1326 College Avenue
049966529LAug 27, 2026DIRTY AREANov 25, 2026Pending$50.00
049884562YJul 21, 2026DIRTY AREAOct 19, 2026Pending$50.00
049884487NJul 3, 2026DIRTY AREAOct 5, 2026Pending$50.00
049804561JJun 9, 2026DIRTY AREASep 8, 2026Pending
049699580NMay 7, 2026DIRTY AREAAug 5, 2026Pending$50.00
049507010MNov 13, 2025DIRTY AREAFeb 11, 2026Defaulted (did not respond)$300.00
049461196ZNov 7, 2025DIRTY AREAFeb 9, 2026Defaulted (did not respond)$300.00
049461166HOct 29, 2025DIRTY AREAJan 27, 2026Defaulted (did not respond)$300.00
049461059MOct 9, 2025DIRTY AREAJan 7, 2026Defaulted (did not respond)$300.00
049332857XSep 11, 2025DIRTY AREADec 10, 2025Defaulted (did not respond)$300.00
049332844RSep 6, 2025DIRTY AREADec 8, 2025Defaulted (did not respond)$300.00
049224908ZJul 19, 2025DIRTY AREAOct 20, 2025Defaulted (did not respond)$300.00
049224900YJul 17, 2025DIRTY AREAOct 15, 2025Defaulted (did not respond)$300.00
049239739ZJul 9, 2025DIRTY AREAOct 7, 2025Defaulted (did not respond)$300.00
049134610RMay 15, 2025DIRTY AREAAug 13, 2025Defaulted (did not respond)$300.00
049034828LApr 6, 2025DIRTY AREAJul 28, 2025Defaulted (did not respond)$300.00
049026461YApr 1, 2025DIRTY AREAJun 30, 2025Defaulted (did not respond)$300.00
048838946JMar 21, 2025DIRTY AREAJun 23, 2025Defaulted (did not respond)$300.00
048315315KJul 24, 2024DIRTY AREAOct 22, 2024Defaulted (did not respond)$300.00
048004159JSep 28, 2023FAILURE TO CLEAN 18 INCHES INTO STREETJan 30, 2024Defaulted (did not respond)$300.00
048004024MAug 7, 2023FAILURE TO CLEAN 18 INCHES INTO STREETNov 6, 2023Defaulted (did not respond)$300.00
048009623RAug 5, 2023DIRTY SIDEWALKNov 6, 2023Defaulted (did not respond)$300.00
048004018XAug 4, 2023FAILURE TO CLEAN 18 INCHES INTO STREETNov 6, 2023Defaulted (did not respond)$300.00
047937958YJul 25, 2023DIRTY SIDEWALKOct 30, 2023Defaulted (did not respond)$300.00
047961594MJul 25, 2023INSUFFICIENT RECEPTACLES 1ST OCCURRENCEOct 23, 2023Defaulted (did not respond)$300.00
047918951HJul 13, 2023DIRTY AREAOct 16, 2023Defaulted (did not respond)$300.00
047961539JJul 11, 2023DIRTY SIDEWALKOct 10, 2023Defaulted (did not respond)$300.00
047918933YJul 8, 2023FAILURE TO CLEAN 18 INCHES INTO STREETOct 16, 2023Defaulted (did not respond)$300.00
047961520JJul 6, 2023DIRTY SIDEWALKOct 4, 2023Defaulted (did not respond)$300.00
047918482YJul 4, 2023DIRTY AREADec 5, 2023Defaulted (did not respond)$300.00
047918856JJun 16, 2023DIRTY AREASep 18, 2023Defaulted (did not respond)$300.00
047918824PJun 12, 2023DIRTY AREASep 11, 2023Defaulted (did not respond)$300.00
047839373JJun 12, 2023FAILURE TO CLEAN 18 INCHES INTO STREETSep 11, 2023Defaulted (did not respond)$300.00
047862159YJun 9, 2023DIRTY SIDEWALKSep 11, 2023Defaulted (did not respond)$300.00
047862134HJun 6, 2023DIRTY AREASep 5, 2023Defaulted (did not respond)$300.00
047839322JMay 30, 2023DIRTY SIDEWALKAug 28, 2023Defaulted (did not respond)$300.00
047818323ZMay 19, 2023STORAGE OF RECEPTACLES PLACED OUT PRIOR TO 8PM WITHOUT A RECEPTACLEAug 28, 2023Defaulted (did not respond)$300.00
047848850HMay 17, 2023DIRTY AREAAug 14, 2023Defaulted (did not respond)$300.00
047839278LMay 16, 2023SPILLAGE FROM A RECEPTACLE 1ST OFFENSEAug 14, 2023Defaulted (did not respond)$450.00
047807326KMay 12, 2023STORAGE OF RECEPTACLES PLACED OUT PRIOR TO 8PM WITHOUT A RECEPTACLEAug 14, 2023Defaulted (did not respond)$300.00
047862045XMay 11, 2023DIRTY AREAAug 9, 2023Defaulted (did not respond)$300.00
047839264KMay 11, 2023SPILLAGE FROM A RECEPTACLE 1ST OFFENSEAug 7, 2023Defaulted (did not respond)$450.00
047807314NMay 5, 2023STORAGE OF RECEPTACLES PLACED OUT PRIOR TO 8PM WITHOUT A RECEPTACLEAug 7, 2023Defaulted (did not respond)$300.00
047818279KMay 4, 2023DIRTY SIDEWALKAug 28, 2023Defaulted (did not respond)$300.00
047807306NMay 3, 2023STORAGE OF RECEPTACLES PLACED OUT PRIOR TO 8PM WITHOUT A RECEPTACLEAug 7, 2023Defaulted (did not respond)$300.00
047772989YApr 27, 2023DIRTY SIDEWALKJul 26, 2023Defaulted (did not respond)$300.00
047772924NApr 8, 2023DIRTY AREAJul 10, 2023Defaulted (did not respond)$300.00
047772882YMar 26, 2023STORAGE OF RECEPTACLES 1ST OCCURRENCEJun 26, 2023Defaulted (did not respond)$300.00
047772865MMar 21, 2023DIRTY AREAJun 20, 2023Defaulted (did not respond)$300.00
047772853PMar 17, 2023DIRTY SIDEWALKJun 20, 2023Defaulted (did not respond)$300.00
047772832XMar 11, 2023DIRTY SIDEWALKJun 12, 2023Defaulted (did not respond)$300.00
047772825HMar 9, 2023DIRTY SIDEWALKJun 7, 2023Defaulted (did not respond)$300.00
047726912ZMar 4, 2023FAILURE TO CLEAN 18 INCHES INTO STREETJun 26, 2023Defaulted (did not respond)$300.00
047708335ZMar 2, 2023LOOSE RUBBISH 1ST OCCURRENCEJun 5, 2023Defaulted (did not respond)$300.00
047691298KJan 17, 2023DIRTY AREAApr 17, 2023Defaulted (did not respond)$300.00
047487090NMay 24, 2022FAILURE TO CLEAN 18 INCHES INTO STREETAug 22, 2022Defaulted (did not respond)$300.00
047005643JMay 17, 2022FAILURE TO CLEAN 18 INCHES INTO STREETAug 15, 2022Defaulted (did not respond)$300.00
047454757LMay 14, 2022DIRTY SIDEWALKAug 15, 2022Defaulted (did not respond)$300.00
047005577KMar 25, 2021DIRTY AREAJun 23, 2021Defaulted (did not respond)$300.00
0211185729Jul 9, 2020DIRTY AREAOct 26, 2020Defaulted (did not respond)$300.00
0210894503May 2, 2020IMPROPER DISPOSAL BEDDING 1ST OFFENSEOct 6, 2020Defaulted (did not respond)$300.00
0206928976Apr 6, 2019FAILURE TO CLEAN 18 INCHES INTO STREETMay 13, 2019Defaulted (did not respond)$300.00
0206462879Feb 26, 2019IMPROPER DISPOSAL BEDDING 1ST OFFENSEMay 20, 2019Defaulted (did not respond)$300.00
0189869718Apr 15, 2016FAILURE TO CLEAN 18 INCHES INTO STREETJun 6, 2016Written off
0186796776Jun 15, 2015STORAGE OF RECEPTACLESJul 20, 2015Written off
0186795777Jun 5, 2015STORAGE OF RECEPTACLESJul 20, 2015Written off
0171981902Apr 1, 2010IMPROPER MISUSED CURBSIDE RECYCLING CONTAINERMay 18, 2010Pending
042643064JFeb 11, 2010SNOW,ICE DIRT ON SIDEWALKSMar 23, 2010Pending
0160090325Apr 8, 2008IMPROPER MISUSED CURBSIDE RECYCLING CONTAINERMay 27, 2008Pending
042530241KJul 12, 2007LOOSE RUBBISHAug 22, 2007Pending
0129331429Feb 25, 2003DIRTY SIDEWALKApr 1, 2003Written off
0131529586Oct 12, 2002DIRTY SIDEWALKNov 29, 2002Written off
0131285321Sep 27, 2002DIRTY SIDEWALKNov 15, 2002Written off
0130994867Sep 14, 2002RAT INFESTATIONOct 22, 2002Written off
0130994858Sep 14, 2002DIRTY SIDEWALKOct 22, 2002Written off
0130683493Sep 11, 2002DIRTY SIDEWALKOct 22, 2002Written off
0130991109Aug 31, 2002DIRTY SIDEWALKOct 9, 2002Written off
0130692367Aug 24, 2002DIRTY SIDEWALKSep 24, 2002Written off
0130698325Aug 21, 2002DIRTY SIDEWALKSep 24, 2002Written off
0130232044Aug 17, 2002DIRTY SIDEWALKSep 18, 2002Written off
0130232053Aug 17, 2002DIRTY SIDEWALKSep 18, 2002Written off
0130248241Aug 15, 2002DIRTY SIDEWALKSep 17, 2002Written off
0130270865Aug 10, 2002DIRTY SIDEWALKSep 18, 2002Written off
0126139961Aug 6, 2002DIRTY SIDEWALKSep 11, 2002Written off
0130240945Aug 2, 2002DIRTY SIDEWALKSep 4, 2002Written off
0130243897Aug 1, 2002DIRTY SIDEWALKSep 10, 2002Written off
0130266135Jul 30, 2002DIRTY SIDEWALKSep 4, 2002Written off
0129746504Jul 27, 2002DIRTY SIDEWALKAug 28, 2002Written off
0126044308Jul 23, 2002DIRTY SIDEWALKAug 27, 2002Written off
0126134580Jul 23, 2002DIRTY SIDEWALKAug 28, 2002Written off
0130249525Jul 22, 2002DIRTY SIDEWALKAug 27, 2002Written off
0130247462Jul 20, 2002DIRTY SIDEWALKAug 20, 2002Written off
0129721680Jul 16, 2002DIRTY SIDEWALKAug 28, 2002Written off
0130247646Jul 15, 2002DIRTY SIDEWALKAug 20, 2002Written off
0129724091Jul 6, 2002DIRTY SIDEWALKAug 6, 2002Written off
0129731351Jun 25, 2002DIRTY SIDEWALKAug 6, 2002Written off
0129745478Jun 19, 2002DIRTY SIDEWALKJul 23, 2002Written off
0129749337Jun 18, 2002DIRTY SIDEWALKJul 30, 2002Written off
0129746046Jun 15, 2002DIRTY SIDEWALKJul 24, 2002Written off
0129745321Jun 14, 2002FAILURE TO SWEEP 18 INCHES FROM CURBJul 23, 2002Written off
0126130263Jun 7, 2002DIRTY SIDEWALKAug 16, 2002Written off
0129257619Jun 7, 2002DIRTY SIDEWALKAug 6, 2002Written off
0128752389Jun 6, 2002DIRTY SIDEWALKAug 6, 2002Written off
0128767412May 24, 2002DIRTY SIDEWALKJul 9, 2002Written off
0128764222May 16, 2002DIRTY SIDEWALKJul 25, 2002Written off
0128761371May 16, 2002DIRTY SIDEWALKJul 25, 2002Written off
0128762875May 11, 2002DIRTY SIDEWALKJul 16, 2002Written off
0128788377May 7, 2002DIRTY SIDEWALKJun 18, 2002Written off
0128780567May 1, 2002DIRTY SIDEWALKJul 3, 2002Written off
0128860674Apr 13, 2002FAILURE TO SWEEP 18 INCHES FROM CURBJun 20, 2002Written off
0128881199Apr 6, 2002DIRTY SIDEWALKMay 30, 2002Written off
0128059279Feb 20, 2002DIRTY SIDEWALKMar 26, 2002Written off
0127523413Feb 4, 2002DIRTY SIDEWALKMar 6, 2002Written off
0127521974Feb 2, 2002DIRTY SIDEWALKMar 6, 2002Written off
0127009704Jan 29, 2002DIRTY SIDEWALKMar 7, 2002Written off
0126945840Jan 12, 2002DIRTY SIDEWALKFeb 21, 2002Written off
0127149707Jan 10, 2002DIRTY SIDEWALKFeb 21, 2002Written off
0127139082Dec 31, 2001DIRTY SIDEWALKJan 31, 2002Written off
0122310660Dec 26, 2001DIRTY SIDEWALKJan 31, 2002Written off
0127135077Dec 19, 2001LOOSE RUBBISHJan 25, 2002Written off
0120961749Dec 8, 2001DIRTY SIDEWALKJan 10, 2002Written off
0126365003Dec 6, 2001DIRTY SIDEWALKJan 24, 2002Written off
0126213488Nov 26, 2001DIRTY SIDEWALKDec 27, 2001Written off
0122286450Nov 10, 2001DIRTY SIDEWALKDec 13, 2001Written off
0122286331Nov 8, 2001DIRTY SIDEWALKDec 13, 2001Written off
0126244452Oct 30, 2001DIRTY SIDEWALKDec 18, 2001Written off
0122281749Oct 24, 2001DIRTY SIDEWALKNov 29, 2001Written off
0126242023Oct 19, 2001DIRTY SIDEWALKNov 29, 2001Written off
0122312219Oct 18, 2001DIRTY SIDEWALKNov 29, 2001Written off
0125678787Oct 13, 2001LOOSE RUBBISHNov 16, 2001Written off
0125663973Oct 5, 2001DIRTY SIDEWALKNov 23, 2001Written off
0122280584Oct 4, 2001DIRTY SIDEWALKNov 15, 2001Written off
0125681665Oct 2, 2001DIRTY SIDEWALKNov 8, 2001Written off
0125670418Oct 1, 2001DIRTY SIDEWALKNov 15, 2001Written off
0125660050Sep 28, 2001DIRTY SIDEWALKNov 1, 2001Written off
0125682004Sep 21, 2001DIRTY SIDEWALKOct 25, 2001Written off
0125686083Sep 20, 2001DIRTY SIDEWALKNov 2, 2001Written off
0125561637Sep 5, 2001DIRTY SIDEWALKOct 12, 2001Written off
0118941653Aug 28, 2001DIRTY SIDEWALKOct 4, 2001Written off
0118941323Aug 24, 2001LOOSE RUBBISHOct 4, 2001Written off
0125560775Aug 21, 2001DIRTY SIDEWALKSep 28, 2001Written off
0118939792Aug 18, 2001DIRTY SIDEWALKSep 28, 2001Written off
0118928343Aug 15, 2001DIRTY SIDEWALKSep 20, 2001Written off
0118925557Aug 4, 2001LOOSE RUBBISHOct 25, 2001Written off
0118687470Aug 2, 2001DIRTY SIDEWALKOct 25, 2001Written off
0118685060Aug 2, 2001DIRTY SIDEWALKOct 25, 2001Written off
0118925281Jul 31, 2001DIRTY SIDEWALKOct 25, 2001Written off
0118545195Jul 19, 2001DIRTY SIDEWALKAug 30, 2001Written off
0118553912Jul 19, 2001SPILLING FROM TRUCK OR RECEPTACLEAug 23, 2001Written off
0118697857Jul 18, 2001DIRTY SIDEWALKAug 23, 2001Written off
0118553133Jul 7, 2001DIRTY SIDEWALKAug 9, 2001Written off
0118561300Jul 5, 2001DIRTY SIDEWALKAug 16, 2001Written off
0123078423Jun 15, 2001LOOSE RUBBISHJul 19, 2001Written off
0123078991Jun 14, 2001DIRTY SIDEWALKJul 19, 2001Written off
0123087746Jun 12, 2001DIRTY SIDEWALKJul 12, 2001Written off
0122871688Jun 7, 2001DIRTY SIDEWALKJul 19, 2001Written off
0122414802May 21, 2001DIRTY SIDEWALKJun 28, 2001Written off
0122524160May 9, 2001DIRTY SIDEWALKJun 14, 2001Written off
0118023364Apr 18, 2001DIRTY SIDEWALKMay 24, 2001Written off
0110994108Aug 10, 1999RECYCLABLES PLACED FOR COLLECTION WITH NON-RECYCLABLESDec 14, 1999Written off
0110809023Aug 7, 1999FAILURE TO PROPERLY PUT RECYCLABLES OUT FOR COLLECTIONDec 14, 1999Written off

Marshal evictions at 1326 College Avenue

Each row is a warrant of eviction a city marshal actually carried out at this building, from the Department of Investigation’s eviction ledger. It records the end of a Housing Court case, not a violation. “Possession” means the tenant was removed and the space returned to the landlord. Filings that never reached execution are not in this dataset.

Executed marshal evictions at 1326 College Avenue
Aug 28, 2019ResidentialPossessionEdward Guida22231/19

Ownership history for 1326 College Avenue

Every deed the City Register has recorded against this building’s tax lot (BBL 2027830015), newest first. A price is the consideration stated on the deed; transfers between related parties, into an LLC, or by a referee often record none, shown as “—”. Each row links to the document in ACRIS.

Recorded deeds for 1326 College Avenue
Jul 1, 2026Jul 31, 2026$665,000Phantom Capital 25 LLCSmith Deed LLCDeedView ↗
Mar 20, 2026Mar 26, 2026$490,000Smith Deed LLCTruman 2016 Sc6 Title Trust, U.S. Bank National Association, As TrusteeDeedView ↗
Dec 3, 2025Jan 13, 2026$1,000Us Bank National AssociationLombardi, Esq., Referee, Frank DDeedView ↗
May 12, 2005Jul 18, 2005Abrams, Winston, Abrams, PamelaAbrams, WinstonDeedView ↗
Aug 28, 2002Nov 8, 2002Abrams, WinstonBig Apple Holding CORP.DeedView ↗
Jul 19, 2001Oct 4, 2001Big Apple Holding CORP.Green, Ethel PortiaDeedView ↗
May 24, 1993May 26, 1993Green, Ethel PortiaGreen, Ethel Portia/Ind.DeedView ↗
Sep 24, 1975Sep 24, 1975Ethel P Green, Lula M HarperHarper Ethel P, Harper Isaac L JrDeedView ↗
Oct 27, 1972Oct 27, 1972Isaac L Harper Jr, Ethel Portia GreenGreen Jarual L, Harper Isaac L JrDeedView ↗
Jun 22, 1967Jun 22, 1967Isaac L Harper Jr, Jarual L GreenPaid Realty CORPDeedView ↗
May 29, 1967May 29, 1967Paid Realty CORPTorres Joseph, Harris EleanorDeedView ↗
Apr 26, 1967Apr 26, 1967Eleanor HarrisCole William R Etal Dfdts, Wallach Gilbert RefereeDeedView ↗

Financing record for 1326 College Avenue

Mortgages recorded against this building’s tax lot, with the satisfactions that paid them off and the assignments that moved them between lenders, from the City Register (ACRIS). A satisfaction usually records no amount, shown as “—”.

Recorded financing documents for 1326 College Avenue
Jul 1, 2026Mortgage$880,000Berenblat, Reuben, Yk 2021 LLC, Seliktar, Nissim, Ashkenazi, NetaView ↗
Jun 28, 2017Mortgage assignmentTruman 2016 Sc6 Title Trust, Us Bank National AssociationView ↗
Jan 20, 2016Mortgage assignmentWilmington Trust, National Association, Not In ItsView ↗
Jan 20, 2016Mortgage assignmentChristiana Trust, A Division Of Wilmington SavingsView ↗
Aug 13, 2015Mortgage assignmentSabadell United Bank, N.AView ↗
Jul 29, 2014Mortgage assignmentChristiana TrustView ↗
Jul 28, 2014Mortgage assignmentChristiana TrustView ↗
May 27, 2014Mortgage assignmentChristina TrustView ↗
Mar 6, 2012Mortgage assignmentBank Of America, N.A.View ↗
Apr 11, 2006Satisfaction of mortgageAmeriquest Mortgage CompanyView ↗
Mar 27, 2006Mortgage$307,500MersView ↗
Mar 27, 2006Mortgage$61,050VirtualbankView ↗
Jun 23, 2005Satisfaction of mortgageFremont Investment & LoanView ↗
Jun 13, 2005Satisfaction of mortgageCentral Mortgage CompanyView ↗
Jun 9, 2005Mortgage assignmentCentral Mortgage CompanyView ↗
May 12, 2005Mortgage$342,000Ameriquest Mortgage CompanyView ↗
Jun 25, 2004Mortgage$292,500MersView ↗
Aug 25, 1977Mortgage assignmentGramatan Home Investors CORPView ↗
Aug 25, 1977MortgageBronx Builders Supply Co INCView ↗
Jun 30, 1967Mortgage assignmentLillian RadelmanView ↗
Jun 22, 1967MortgagePaid Realty CORPView ↗
Jun 14, 1967Mortgage assignment100 Broadway Realty CORPView ↗
May 29, 1967Mortgage assignmentMilton M StuchinerView ↗
May 29, 1967MortgageHello Realty CORPView ↗
Mortgage$274,550Cambridge Home Capital, LLCView ↗
Satisfaction of mortgageMarine Midland Mortgage CorporationView ↗
Satisfaction of mortgageMarine Midland Mortgage CorporationView ↗
Satisfaction of mortgageBrokers Realty FundingView ↗
Mortgage$70,000Marine Midland MtgecorpView ↗
Mortgage assignmentAssociates Finan SercoView ↗
Mortgage$14,300Madison Resources LTDView ↗
Mortgage assignmentMarine Midland BankView ↗
Satisfaction of mortgageFleetwood Funding, INC.View ↗
Mortgage$26,000Brokers Realty FundingView ↗
Mortgage assignmentSecurity Pcfc Fin Srv InView ↗
Mortgage$17,960Shamrock Builders INC.View ↗
Satisfaction of mortgageBronx Builders Supply CoView ↗

Lender names are as recorded; the current holder of a loan can differ if a later assignment was never recorded.