I see there was a similar question posted except that we are not a HMDA Bank. My question is
If we combine Ag operating loans (secured with a mortgage)with a loan that was used to buy bare farm ground (also secured by a mortgage), is this an Ag loan or a real estate loan. Any disclosures?

Another customer combined loans for bare ground - secured by a mortgage. Ag loan or Real Estate?? Disclosures?

If they are buying the farm ground to use for a primarily ag purpose, it remains ag.

Same with other question...what's the purpose for buying the dirt?

And you are asking Ag. OR RE.....why can't it be both?

It could be both. But was wondering which code they should use when entering the loan. Ag or RE
We have a code for Ag (operating loan) and one for RE secured by Farmland

You're not providing enough background detail. The only thing we know for sure is that this question doesn't relate to HMDA. What's the purpose of the code? Does it control:
- the production of documents for new loans?
- accrual and accounting functions for existing loans?
- call reporting?
- something else?