Are you referring to all loans or just non-dwelling secured loans that are for home improvement?
We do not file our files any differently than a non HMDA loan. To recognize the loans we use "purpose codes". All loans with a code of 140 are subject to reporting, etc. So we can pull a report on these codes if we need to pull the files. We also enter them to the LAR using the account number, so we can also pull from the LAR by account number.
We do not classify any non-dwelling secured loan as home improvement loans and we do not report them on the LAR. If you want to identify the home improvement loans you can use color file jackets, file them in a separate area or use purpose codes.
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The opinions expressed are mine and they are not to be taken as legal advice.