I have a loan that is secured by a 220 site campground with improvements that include the owners primary residence. In the old days I would have considered this HMDA reportable simply because the primary dwelling is included. Looking at the current HMDA rules regarding Mixed Use Properties I am of the mind that this would not necessarily be HMDA reportable if in fact we were to determine that this property is primarily used for business purposes.

Does any one disagree with this thinking?

I agree with your thoughts.