Since they are signing 2 application who needs to initial?
Section 1, only gets initials if there is more than one borrower applying for the mortgage loan. Each borrower initials their own Section 1a.
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what @yolicue said 
@yesbsd Just for clarification and elucidation . . .
You’ve indicated they’re signing TWO separate applications, correct?
If yes, that would mean there is only ONE name on each application . . . even if taking out one mortgage.
Can you take a screen shot & upload it of the area where the initials are to be placed? There is usually an indicator in that section . . .
As this is a HIGHLY UNUSUAL SCENARIO, you’ll be BEST served by reaching out to your Hiring Entity or the Title/Escrow Company [T/EC] for specific guidance in this instance.
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@yesbsd Hmmm . . .
I’m quite familiar with the BLANK form.
Please take a screenshot of solely this region (see screenshot below) from Section 1 of the actual Application.
Also, please CONFIRM that there are 2 separate Applications with only ONE NAME on each separate Application. Thanks.
At the risk of being redundant . . . this is a HIGHLY UNUSUAL SCENARIO, you’ll be BEST served by reaching out to your Hiring Entity or the Title/Escrow Company [T/EC] for specific guidance in this instance.
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They are signing 2 applications but have the other applicant listed on the application
Per your highlights:
Name is the borrower’s name (only one person)
Type of Credit if only one borrower, the "I am applying for individual credit". is checked and you need not worry about anything else until the signature page.
Type of Credit if the "I am applying for joint credit, there will be a number entered in the line after and immediately below that number will appear another blank line. The name that appears above in the “Name” space will place their initials on that second blank line.
List Name(s) of other Borrower(s) Applying for this Loan: additional borrower(s) will be listed here.
All the above is usually filled out by the time it gets to the notary. The notary’s only concerns should be to gather initials, as indicated, when required plus the signature/date page.
@yesbsd Hmmm . . .
So, which radial button is Selected on the URLA Application Form?
If the Option identified in the screenshot below is Selected, then NO INITIALS.
If the Option identified in the screenshot below is Selected, then YES, INITIALS are REQUIRED.
If NO radial button is Selected on the URLA Application form, then as previously advised, reach out to your Hiring Entity or the Title/Escrow Company [T/EC] for specific guidance in this instance.
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I know initial are required I’m asking if the additional borrower is also required to initial it
It’s checked I’m applying for joint
Is the additional borrower also required to initial it or only the borrower whose name is on the first line?
The additional borrower will initial their own portion of the application. Each borrower will have their own page to initial.
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@yesbsd As you can witness by your query, it’s difficult to Reply explicitly without seeing the document . . .
If your client is Applying for Joint Credit, then on the 1st page of the Application, the name on the Top Left of the URLA form, they’ll initial within Section 1.
On the subsequent page (about 5 or 6 pages further into the package) with the 2nd Applicants name on the Top Left of the URLA form, they’ll initial within Section 1.
So, the key component of knowing WHO is to initial on the form, look just above the initial section of the form on the Top Left. 
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Hopefully, you received the clarification needed to ensure professional execution of the document package. 
When you have a few moments, please Return to the Notary Cafe forum with your update, okay? Thanks! 
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yes thanks for all your help
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There should be a spot for first borrower to initial, a spot for them both to sign, and a spot for the second signer to initial. Look through your URLA forms they provided you to see if you can make sense and watch this free YouTube training video on the updated 2021 Uniform Residential Loan Application with 2 examples. The first example in my video shows a URLA with 1 signer; the second example (approx 19:10) shows a URLA with two signers, and shows who initials/signs where. Hope this helps you. https://www.youtube.com/watch?v=C3Uxq1s-U1E
When in doubt, never ever be afraid to pick up the phone and ask your hiring company questions if you do not understand. Get it straight from the horse’s mouth.
@yesbsd 
You’re Welcome!
As I’ve expressed many times across the threads on the Notary Cafe forum (as well as within this thread noted twice above) ===>>>
You’ll be BEST served by reaching out to your Hiring Entity or the Title/Escrow Company [T/EC] for specific guidance in this instance and any others when you have queries & need guidance.
This is not unusual at all in my experience. If they are jointly applying for the mortgage, both need to initial. Two separate application documents are generated when the information differs for each borrower, but each borrower needs to initial both applications when it is a joint loan.
@thenotariusgk Hmmm . . .
You may want to take a few moments to Review my post for the actual content that is contained within it.
- Clearly, it’s often occurrence that there are 2 Borrowers [BOs].
- It’s also an often scenario that there is one BO & one non-borrower . . .
As the situation was identified (until receiving the clarification noted above) the scenario presented:
That the Original Poster [OP] indicated the BOs were signing TWO separate applications (with emphasis on SEPARATE). In other words, NOT a Joint Application . . .
Meaning there is only ONE name on each application . . . even if taking out one mortgage.
This is why I requested a screen shot & upload it of the area where the initials are to be placed.
The image would present additional clarifying data . . .
As indicated, it’s HIGHLY UNUSUAL for there to be 2 separate BOs with TWO SEPARATE applications (as I indicated previously).
You’re referencing a JOINT application, which wasn’t the reference in my response when I requested clarifying information to ensure that the OPs query would be answered accurately & efficiently.
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It may be HIGHLY UNUSUAL in your venue, but it is FAIRLY COMMON in mine, and the title companies I deal with require both parties to initial each other’s SEPARATE applications when it is a joint loan (i.e., one loan with more than one borrower on the same mortgage). The box is checked for joint CREDIT, not joint application. The same rationale applies to IRS document requests that may need a spouse’s signature for a joint return, even when there is only one borrower applying for the loan.