If a borrower has a 60 month note and makes interest payments as agreed, then after the 60 months the bank extends the term only for another 60 months (no new money and not paying off the original note) would this (the extension in term) be CRA reportable?

I have read most all of the CRA posts with "Modification" in the subject or post but I am still unclear.

Thanks for any clarification.

Yes, I would consider this a renewal (renewals are treated like originations) and therefore report it.

Agreed.

Do modifications have to be done through a government program in order to get credit? I think we would only be able to qualify individual modifing a loan if they fell into the low or moderate income geographies. And is it the geography that has to be low or moderate or is it the individual has to make less than the median family income based on the census information?