We took an app for a HELOAN on 12/4 and dated the docs 12/10, but it was a mail away and the borr did not sign until 12/21. We have the date of action taken as 12/10, but should it be when they actually signed the docs?

What matters is that you're consistent from one application to the next. We use the date that the lender signs the application as being received. If we have a lazy lender who didn't sign the application, we use the date of the early disclosures.

Do many banks report HE loans? We don't go beyond what's required.

This was a closed-end home equity loan.

The app was taken 12/4, but what we are confused about is whether to put the date of action taken as 12/10 (the date on the closing docs), or to use 12/21 - the date the borr signed the closing docs.

I think that as long as you're consistent in similar situations you could use either date. We use the date on the closing docs.

That's typically what we do also...and we rarely have a mail away closing. I'll go with the date on docs.

Thanks!