Were all of the home improvements being financed by the credit cards, which were in turn going to be paid by your loan? If so, and a mortgage loan was also going to be paid off with the new loan, it would be reportable as a refinance.
If any of the money was going to pay for improvements directly, it would be coded as home improvement.
If the money was strictly paying off credit cards (no lien payoffs and nothing directly for improvements), the loan would not be reportable.