The second golden rule of lending is Tell the lender everything that could affect their decision. (The first rule is the one with the gold makes the rules)
Are you pondering whether or not you should mention something to the lender?
It’s times like this, when it’s nice to be working with a broker. They can help sift through the minutia of data and determine what is shared and what isn’t. There are some pieces of info that lenders don’t have a right to ask for (just as there are some pieces of info that you don’t need to volunteer).
If you’re still not sure, (regardless if you are a broker or borrower) generally it’s best to err on the side of caution and disclose it. You never want to be at risk for being accused of withholding meaningful info.
P.S. A third rule (which is so obvious, it seems silly to even mention it) is “don’t lie”. While there are some pieces of data that lenders don’t have a right to ask you, you are not at liberty of volunteering / responding with false information (aka lying).