We have several applications that were taken on our existing Balloon loans that were maturing. They were HMDA eligible as refinances, and were subjected to income analysis, appraisal reviews, and title examinations for periods of 4 weeks or more on average. For what ever reason, a decision was made to handle the maturing balloon note with a CIT instead. Do you think it is appropriate to report as withdrawn - approved not taken on the LAR?

No, these are not reportable. The customer applied to extend and the bank approved the extension and modified the loan to add the new maturity date. Modifications (which is what the change in terms) for refinances are not reportable.