We had a HMDA reportable loan with an app that was submitted twice. The borrower applied online and then went into a branch and applied as well. It wasn't until much later in the process that we realized that there were two applications for the same person.

Are both HMDA reportable? We cancelled the duplicate app, but it wasn't expressly withdrawn by the applicant.

No, this should only result in one entry on your LAR. I would probably just keep both applications with the file and document what happened.

An "application" isn't the piece of paper (or virtual paper) that an applicant submits....it's the information within it (which can happen verbally too). A redundant resubmission of the same information doesn't (IMHO) create a new "application".

Agreed. This assumes the two requests were the same. Document that and anyone should agree that there was one application for one loan, not multiple loans or multiple properties or liens.