Can we report "NA" on non-originated loans for the Loan Term field in 4(a)(25)?

The sole example they give in OI-5 is for "reverse mortgages". Not sure if that example was exclusive or not.

In some instances, we have a non-originated file in which the customer and officer did NOT decide on the term of the loan before it was shut down.

…scheduled number of months after which the legal obligation will mature or terminate or would have matured or terminated. [§1003.4(a)(25)]

Specific to reverse mortgages, Comment #5 to this section states:
5. Loan or application without a definite term. For a covered loan or application without a definite term, such as a reverse mortgage, a financial institution complies with § 1003.4(a)(25) by reporting that the requirement is not applicable.

Ah thank you again!

What if the applicant didn't complete the requested term on the application form that was submitted by mail and application is being denied because of credit factors? Do we leave blank? Report NA? Something else?

Great question, Jim. I scrubbed the pre-amble and there isn't a thing addressing this. My initial thought is that NA seems appropriate as there isn't a definite term for those applications:

From the CFPB reference chart:
Enter “NA” for covered loan or application without a definite term, such as a reverse mortgage, Comment 4(a)(25)-5