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.
_________________________
Don't make me say, "I told you so!" Sincerely, your friendly Compliance Officer.