Agree. This is my own go to:
Citations for Land Contracts and non consumer to consumer TRIDS
Home Equity for TRID/Z leasehold rules, but Purchase for HMDA due to rules in 1003.2(d)#2: Under § 1003.2(d), a dwelling-secured loan is not a closed-end mortgage loan unless it involves an extension of credit. Thus, some transactions completed pursuant to installment sales contracts, such as some land contracts, are not closed-end mortgage loans because no credit is extended. For example, if a land contract provides that, upon default, the contract terminates, all previous payments will be treated as rent, and the borrower is under no obligation to make further payments, the transaction is not a closed end mortgage loan.
1026.20(a) Refinancings. A refinancing occurs when an existing obligation that was subject to this subpart is satisfied and replaced by a new obligation undertaken by the same consumer. [at least one common consumer]
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My opinion only. Not legal advice.
Say you'll haunt me - Stone Sour