Scenario:

Loan originated with a income in the amount of $24,000.00.

When the underwriter analyzed the loan, the customer have no valid income and the loan was denied for not unable to verify employment and lack of income.

For HMDA purpose what income I should report. the $24,000.00 recorded in the 1003 or 0 the income in which the credit decision was made?

Thanks

What was relied upon in making the credit decision which sounds like there wasn't any to consider.