Bigtone...did you have mortgages over other prop's with the same lender at the same time (and with equity)?
Also do you think it is possible that the bank officer who found out about the mistake swept it under the carpet?
I have seen them do it in commercial but I would think it highly unlikely but not impossible in resi. A real melt down and an urge to shrink the balance sheet could cause it IMO. in such a melt down they could possibly shoot first and ask questions later.
Another reason to not x coll.