I have a couple loans in which the property is a mixed-use property which under HMDA tests are primarily residential however are not HMDA reportable as they do not meet any of the required reporting definitions. For example:

1- 1 loan has no lien and no reportable purpose. Cash-out is to purchase commercial property. Borrower is an entity.

2- 1 loan which is a renewal/extension of terms. No new note, no new loan number. Borrower is an individual.

I have 2 other loans which are completely secured by single families that are also not HMDA reportable but I know those are not CRA reportable. Any advise would be appreciated. Thanks in advance.

I may have overlooked it, but what's your question?

Could a loan that is secured by a mixed-use property primarily residential be reported on the CRA LR if it doesn't fit any of the HMDA reportable criteria? Sorry if I was not clear which I just re-read it and obviously I wasn't.

Thoughts? I did go back to our Call Report and it looks like they are categorized as reportable.