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I posted this in the regular forum HMDA, but got no response. Apologize for the repeat posting.
We do one-time closings for our construction/perms. We have been reporting the loans for HMDA purposes when they go to the permanent phase. We had such a loan close in 2013. The permanent phase was to go into effect on 1/1/2014. We just realized that LaserPro brought it into the HMDA LAR (as scheduled) on 1/1/14; however, the loan paid off in late 2013. How should this be handled? It wasn’t reported in 2013.
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