When we are faced with these situations (oh yeah, here too...) our procedure is to have the very first application form in file and stamp "initial" at top right, then print a revised application (noting what changed - ex: purpose) with the date of that revision and then any applicable disclosure docs (ex: the GMI) would be dated with that date as well.
Our overall loan application date would be the earlier date.
However, based on my understanding, for Reg C HMDA reporting, the app date on the LAR would be the date it actually turned into a HMDA application.
Any thoughts on that???
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All comments are mine & should not be taken as legal advice.