Brenda,
Appendix A (page A-10) of HMDA Reporting Getting it Right, addresses what to report as the loan amount, depending on if it is a purchase, home improvement, etc. For purchase loans that you originate, it is the principal amount of the loan. For home improvement, it says you may include unpaid finance charges in the the loan amount, if that is how you record such loans on your books. Hope this helps!