We obtain some loan applications through brokers. Most of these brokers are not in our local area. Some of these applications do not contain the HMDA GMI information, and we have been putting 'not obtain by telephone or mail application'. Some of the investors we sell these loans to require that we have this information so it is being completed at or after closing by using the borrowers' ID. I don't think my regulator understood my question. What do you all think about this?

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Thanks. Don't know where I was when that one was being created.