Can someone fill me in on whether the disclosure tables you get for your bank are only dependent on how the setup was done in the software when the data was filed, or if other assumptions are built in? I received our cd and have a set of tables for an MSA where we have no branch, but do have an LPO. We get a lot of applications from that office, so the numbers are high. But it's not a branch of the bank. Is this OK - or is it an error we made?

That data is included not because you do or don't have a branch there, but because of loan activity.

That was very fast, Andy. Thanks. Hoped it would be that easy, but no, it was us. It's been a very bad HMDA year.