laf, you're taking a construction loan to permanent financing, right? If so, we have to look for a different reason to disqualify it from HMDA reporting.
The loan is for the pole barn not the house being constructed. Is the pole barn for business purposes (like farming) or is it for pleasure (parking the owner's cars)?
Either way, at this point I'd say because there is no reportable dwelling on the property, it's not reportable for HMDA.
Someone (Dan
) may step in here and say that because the house is being built, this is a home improvement loan. If so, I'll acquiesce to his guru status.