I am assuming you are talking mortgage broker model (they underwrite /fund), not a correspondent lender (You underwrite/fund and sell closed loan to them)?
One question that keeps coming up for us is when is a loan reportable for HMDA. When is it reported for the mortgage company and when is it reported for us? At what point in the application.
Also what disclosures do they expect you to provide? And when are they going to provide them?