Thanks for your feedback!
Just another thought/wrench to throw into the thought process. 1002.2(f) states: A completed application means an application in connection with which a creditor has received all the information that the creditor regularly obtains and considers in evaluating applications for the amount and type of credit requested (including, but not limited to, credit reports, any additional information requested from the applicant, and any approvals or reports by governmental agencies or other persons that are necessary to guarantee, insure, or provide security for the credit or collateral).
What if the Bank regularly obtains the property address before it considers the application received?