Somewhere in my brain (ha) is a recollection that there is a limit on number of acres that can be taken as collateral and the loan still be HMDA reportable. Is there such an limit?

Loan request was for 2/3 debt consolidation and 1/3 land improvements. Collateral taken was a SF Home and 40 acres that the borrower occupies. Line of business for the borrower is Marketing Manager with secondary source income of Pastor, Cattle, Rental Property and House Cleaning. The only income used in underwriting the loan was the Marketing Manager salary. No tax returns were required to verify other income(s) as the borrower(s) scored out very satisfactory.

Search 25 acres - lots of hits for you to read.