I have a loan that originated back on 4/28/04 and the purpose was to buy and resale a home. The original term was 6 months so it was excluded from HMDA reporting because of Temporary Financing. When it matured on 10/26/04, it was renewed at that point for another 3 months. Again, it was not reported on the HMDA LAR because of the Temp Financing. When that matured on 1/26/05, it was again renewed for another 3 months, set to mature on 4/26/05. I understood in an explination of HMDA that a bank can not use the Temp Financing exclusion to avoid reporting by breaking up a loan into a lot of Temp Financing periods. At what point does a loan get to be "a lot of Temp Financing periods"? This one has really only been on our books for less then one year. Thanks