If a HMDA applicable application was withdrawn by the borrower before it ever got to the originator, what do we put for the NMLS number? Can we leave blank, should we put N/A (I believe that's only for Originators that don't have and don't need NMLS numbers), should we default to a manager or is there another recommendation?
I have a question regarding HMDA reporting and I hoping you can help me out. So for the NMLSR ID we are reporting the NMLS ID of the loan officer who approved denied withdrawn/canceled the application. We have several loans that were withdrawn by the member prior to a loan officer making a decision and were reporting N/A. I think we should be reporting our own NMLS number for those applications. Could you please let me know what you think?
For HMDA, what date is used for a denial when the decision was made on one date, say July 12, but the notice was not sent until July 16?
How is the "In 5 years" disclosure completed for short-term construction loans?
Where could I find a list of required initial and final loan disclosures for closed-end, 12-month construction loans?