Linkpars, are you really doing a refinance, or is it a home equity loan with the proceeds going to payoff credit cards? If a refinance is involved (see definition posted by others), then yes it's reportable even if new money was disbursed to pay other bills. If it is a straight home equity loan, and none of the funds were used to purchase, improve, or refinance a dwelling, then it is not HMDA reportable.
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CRCM