Really hard to give an answer with such limited information.
We have a loan that is secured by a dwelling for a period of 12 month with interest only payment the sale of the property.
This sounds like the loan would be paid off with a the sale of a property. That would make it a short term loan and not a temporary loan.
Additional collateral being used in a business loan which included this personal property along with other commercial buildings.
This doesn't tell us the purpose of the loan. Business purpose loans, other than those secured by a dwelling for the purchase, refinancing or improvement of a dwelling, are exempt from HMDA.
The opinions expressed are mine and they are not to be taken as legal advice.