Our CRA/HMDA person transferred out of our department end of year without finishing up her reviews for 4th quarter. Yes, my entire department has been working on this and it looks like we'll submit earlier than we ever have. Good thing about this situation, we re-thought how we worked this process and have hired someone to do it differently this year, going forward. It really looked more overwhelming that it was at first. At least we can be assured that its clean. Our CRA/HMDA person was really expert on HMDA and kept it clean.
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"Once you learn to read, you will be forever free."
- Frederick Douglass
My Opinion Only.