I have a loan that was originally to purchase a mobile home in the name of the primary borrower - John Doe [/color][living in the mobile home]and the co-borrower - Mary Deer [not living in the mobile home]. The loan was refinanced to lower the payments. Mary Deer was removed as co-borrower and became a guarantor. Jane Doe [John's wife] became co-borrower. Both the primary borrower and the new coborrower declined when credit scored and the loan was approved on Mary Deer [guarantor]. I know that I report the borrower and co-borrower's information for HMDA purposes but since we used the guarantor's income to approve the loan - do I use all 3 incomes when reporting this on the LAR?