HMDA is driven by many factors and one of the most important things we report is the location. By changing locations, you never disclose that you had an application on that property.
Clare, I am adding my opinion to echo the advice given to you by the other posters on this thread. The location of the property, although a key piece of information, is not the sole purpose of the reporting. https://www.ffiec.gov/hmda/history.htm
If you also factor in the purpose is to identify potential discriminatory lending patterns, and think about the number of data points being collected on the human applicants, I don't think it's appropriate to conclude a change in property location = a withdrawn application to report on the LAR.
I feel that if a borrower changes locations they are in all practicality withdrawing their request to do a loan on a property which needs to be disclosed per HMDA. That to me would be an intent to withdraw which is stated in HMDA as a reportable action.
The borrower is not withdrawing a request for a loan. They are changing the property they wish to use to secure the loan. They still want a loan.
You're going to report on the LAR the property location securing the originated loan. You will only report "withdrawn" if the loan applicant expressly withdraws an application before a credit decision is made. https://www.ffiec.gov/hmda/history.htm