Per HMDA, a construction to perm loan falls under "purchase". In the event a customer own the lot free and clear, and wants to do a C2P one time close loan, does this still get reported as a purchase or would this fall under "other"?

Assuming they are building a dwelling on the lot, it would be a purchase:

3. Construction and permanent financing. A home purchase loan includes both a combined construction/permanent loan or line of credit, and the separate permanent financing that replaces a construction-only loan or line of credit for the same borrower at a later time. A home purchase loan does not include a construction-only loan or line of credit that is designed to be replaced by separate permanent financing extended by any financial institution to the same borrower at a later time or that is extended to a person exclusively to construct a dwelling for sale, which are excluded from Regulation C as temporary financing under § 1003.3(c)(3). Comments 3(c)(3)-1 and -2 provide additional details about transactions that are excluded as temporary financing.

Thank you!