2013 scenario = cash out refi - No HMDA
2014 scenario, do not understand. PoP, can you please write it out instead of abbreviating - "I say we do not have to report for 2014 (but will in 2015 as we did originate in 2014 - 2 purchase $ loans 1-4, 1 purchase $ loan multi family and 1 refi of a purchase $ loan 1-4)."
it is very tough to follow.
Integrity. With it, nothing else matters. Without it, nothing else matters.