Are Contsruction Loans CRA reportable? (Those are commercial loans for construction purpose)

No, Small Business Loans must be a 1.e or a 4.a on the call report. Construction loans are not in those catagories

But if they include a permanent financing take out then it would not be considered as temporary financing and would be reportable as a small business loan assuming the loan meets the requisite qualifications in the definition. BTW commercial construction loans are an excellent source of potential qualified community development loans which you would report too.

If they are purely construction loans. If you report it as small business you cannot get CDL credit.

What if the loan is to construct an addition to an existing building? Would we report this as CRA?

How is it classified on your call report?

1A2..........that's why I want to say it isn't reportable, but it's not a true construction from the ground up. That makes a difference when it comes to HMDA but wasn't sure about CRA.

The Call Report dictates what is reported under CRA. If you did't properly classify the loan for Call Report purposes that is another issue.

Ok. I didn't classify it. I am the one that checks the data after everything is said and done. This particular loan is secured by the building and 6.46 acres.