2nd mortgage on primary to fix a vehicle. Cash out, no refinancing involved. We are a HMDA bank.
I know this would not be reportable for HMDA. Would we have to collect GMI though?
It looks like we would not because it the credit is not for the purpose of refinancing or purchasing a primary dwelling.
Just would like some confirmation or if I am wrong some correction.
Thank you, my CRA-full scope exam in a week addled brain appreciates it.

You are correct--no GMI.