IMHO, this question is poorly written.
If a loan was transferred from one lender to another - who would declare the 2nd loan to be the "original loan" --- no one. Yet this is how we are supposed to answer.
When I came across this question - I saw no correct answer to the question because it was neither the original loan, nor was it a HELOC or a refinance.
This is strike 2 on my TT experience this year...
Grrrrrr...
😉
