When you have a loan that is originated in October through December of 2017 and those loans close in 2018, do you report the loan purpose codes 1 purchase, 2 Home Imp 3 refi - or do you use the new codes 1 purchase 2 Home Imp 31 refi - 32 cash out etc..
I just want clarification - if the loan originated in 2017 then we report 2017 HMDA data - and any loans that are originated on 1/1/18 going forward you would report the new 2018 HMDA data..

What's your definition of "originated" vs. "closed"? You report the application in the calendar year you took action (originated, denied, etc.). I'm not sure how you can originate a loan in Oct 2017 and close it in 2018.

If it closed/originated in 2017, then you follow the 2017 rules (HI before refinance). If you closed/originated it in 2018, it's refinance before HI (and the new 31 / 32 break out).

I think that's a misnomer. Many secondary market lenders consider 'applications' 'originations'...even though that doesn't really happen unless the 'close'.