Scenerio: A lake resort is the collateral for a refinanced commercial loan. The borrower's home is on the resort property, but is only a small portion of the whole property value. So, I think this a mixed-use property.
It appears to me, based on the 2013 HMDA Getting it Right Guide, that mixed-use property would not be HMDA reportable for a purchase or improvement because the primary use of this whole property is a lake resort to generate income.
But, is this property HMDA reportable for a refinance? I don't see anything in the Guide relating to refinances of mixed use property.
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