A borrower and co-borrower originally applied for a loan. The Loan Officer pulled credit on both borrower and co-borrower. The day after the borrower and co-borrower applied, the co-borrower withdrew herself from the loan. The loan did not close and will be reported to HMDA. Would I report the co-borrower to HMDA since she initially applied? Or do I not report her since she withdrew from the credit request? I have the email from the co-borrower withdrawing herself if that holds water. (?)

Thank you for feedback-

I think the next question needs to be, why didn't the loan close?

The applicant was no longer interested in purchasing a home...