See the definitions of purchase and refinance:
Last edited by NSFW; 07/16/15 02:21 PM. Reason: Misread post
A home purchase loan is any loan secured by and made for the purpose of purchasing a dwelling.
A refinancing is any dwelling-secured loan that replaces and satisfies another dwelling-secured loan to the same borrower. For reporting purposes, both the existing obligation and the new obligation must be secured by liens on dwellings.
It is better to act cautiously beforehand than to suffer afterward.
The answers I give are my opinions. Not legal advice.