He set a heavy gray file on his desk and laid it open between us.

“Your son has applied for a commercial expansion loan,” Davis said.

“What amount did he put on the form?” I asked.

“Three hundred thousand dollars,” Davis said.

“He named the six-bedroom house on Lakeview Drive as his main personal security.”

“Did he show you a deed?”

“He told our underwriting department the property was handed over to him verbally at a family gathering back in 2010,” Davis said.

“The house belongs completely to Mitchell Family Holdings,” I said.