The original loan, originated 5 years ago, was for home improvement secured by the dwelling. The balloon is now being refinanced. Purpose on application is refinance of matured loan. There is no cash out...just straight refinance.

Is this a refi for HMDA?

If a purchase is later refi'd then it becomes a refi, right? Can that reasoning be applied to home improvement loans? It might begin as home improvement but if refinanced later is now a refi.

Thank you in advance!

It is a refinance...you are satisfying and replacing a dwelling secured loan with a new dwelling secured loan.

If you have a loan "cash out" property is free and clear, and the funds will be used to purchase furniture, is it HMDA reportable would it be considered a "home improvement" if it's to purchase furniture?

No. Furniture isn't attached to the house and won't necessarily "travel" with the home if it changed hands, much like i wouldn't consider buying a refrigerator as home improvement for HMDA purposes.

Thank you, I did not include it in my HMDA but wanted to double check to be sure.

For what it's worth, I agree with RJ.