If we have some assumptions that never actually panned out (so no written agreement accepting a new borrower, etc.), are they HMDA reportable? We don't really have assumption "applications" like a typical mortgage loan application. They are really more like inquiries at this point (where a family member wants to see if they qualify, etc.). Can we consider these pre-qualifications?

If you never entered into a written agreement accepting a new borrower then there is nothing to report; however depending why they did not "pan out" you may owe an AAN under Reg. B.

"where a family member wants to see if they qualify"

How is that not an assumption application, written or not? No different than them saying that there is this 2023 Ford F-150 they want to buy, and I want to see if I can qualify for a loan. Pre-quals involve situations where there is no property identified, and they are asking for a ballpark on how much for which they might be approved.