Box 1 is the interest paid in 2019
Box 2 is the balance of the loan on 01-01-2019 OR if the loan was originated in 2019, the balance on the 2019 acquisition date
Box 3 is the origination date, the date you signed the loan papers
The original loan is the loan you signed for at the closing table. It will always be the original loan, even when banks buy and sell your loan, until you refinance it.
Once you refinance the loan, the loan will forever be a refinanced loan.
If the loan is transferred to a new lender, Box 2 should continue the balance from the lender that held the loan prior. This will not be considered as borrowed in 2019. Box 3 should also stay the same.
If the loan is refinanced in 2019, that new balance will be listed as borrowed in 2019 and Box 3 will have a 2019 date.
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