Answer:
Since you have it, I would report the updated information. You're not wrong to have it, you just didn't need to get it at closing.
Borrower Did Not Provide Info on Initial App-HMDA
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Question:
HMDA: If a borrower says he does do not want to provide information at the time of initial application, but then they complete the GMI information on the 1003 at closing, what information is reported on HMDA? The updated information or the original information provided by the applicant?
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