Just to add another wrinkle, what about lender paid points? They would also be on A.01, but can they really be considered "paid to the creditor?"
I got the below from the CFPB (It was not very helpful). They did say that "This total is disclosed on Line A.01..." and a total of all points is not disclosed if they are paid by multiple parties, which isn't probably evidence of anything, but the total of borrower paid points would be disclosed there (grasping at straws for an actual answer).
From the CFPB:
Under Regulation C, 12 CFR § 1003.4(a)(19), effective January 1, 2018, financial institutions must report, for covered loans subject to the disclosure requirements in 12 CFR § 1026.19(f), the points paid to the creditor to reduce the interest rate as disclosed on the Closing Disclosure pursuant to Regulation Z, 12 CFR § 1026.38(f)(1). This total is disclosed on Line A.01 of the Closing Cost Details page of the Closing Disclosure. General information about discount points paid to the creditor can be found in § 1026.37(f)(1)(i) and its related commentary.
According to the HMDA Filing Instructions Guide, a financial institution reports, in dollars, the points paid to the creditor to reduce the interest rate. For example, if the amount paid for discount points is $2,399.04, the financial institution enters 2399.04. The HMDA Filing Instructions Guide also states that if no points were paid, leave this field blank... [It goes on about NA]