As I understand this you are reporting 100,000 and then 125,000, for a total of 225,000. Which obviously inflates the origination amounts of the bank.
Tracking renewal increases is unfortunately a very labor intensive process at most places. You can consider adding a field on your mainframe system that allows who ever is boarding a loan, to indicated the renewal increases and use those numbers in putting your reporting together.
You can also add fields in your loan boarding document to indicate for CRA purposes, a specific dollar amount. Your CRA input person could take the data directly off the boarding document.
Because of the hassle involved in tracking renewals and reporting, some institutions have opted to not even bother reporting them. It does short the bank in number and dollar amounts, but they figure the savings is worth it. There is no requirement that you MUST report every loan. If you don't have a lot of renewals, not reporting them will most likely not effect your numbers or percentages to any meaningful degree.
Lets see how many eyebrows that last paragraph raises
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