HMDA LAR refers to Gross Annual Income- Does this mean income without deductions as the amount before taking deduction for expenses, taxes, or the like (as opposed to net)?
OR does gross mean combined, aggregate, entire, all, total,(a whole quantity)
It has two different meanings. Does one or both apply for HMDA income? The compliance group here seems to have different opinions. Thanks

You should report the income amount that you used to make your decision.

Agree.