Well, it's not so much that I am concerned about reporting a "temporary" loan, but - in reviewing my HMDA LAR and doing a double check on the information, I came across a loan that does not appear on our current Trial Balance.
That's when I found out the loan had been paid off within 6 months of being made. That's what prompted my thought - "Hey, do I really have to report this?"
But I guess the answer is "yes." And here's the part that gets me - It was a Home Equity Loan on a primary residence to refinance the purchase of a MOBILE HOME that the customer uses as a vacation home. So - I'm on the hook for HMDA reporting for next year - one lousy refinance of purchase money.......