2 scenarios:
1. Husband & Wife sign app and authorization to pull credit. Credit report is pulled and right away it is obvious that his score will cause problems, so without submitting to underwriting they revise the app for just her and submit...2 HMDA entries? 1 denial & 1 approval? I don't think it's 2 since the first was never sent to underwriting to be approved or not.
2. Same couple, get app and start to complete , but sign authorization and credit is pulled as they are filling in the app. Same thing, his credit is terrible so they cross out his info and she is the only one to sign and date the app. Same question...2 entries or 1?