A loan matures, the lender renews the loan after maturity just changing the maturity date and rate on the loan. Everything else stays the same. The note has a clause stating that new loan is not in payment for the older note, or something to that effect. Is this a refinance for HMDA or a renewal and not reportable? Help is appreciated.

"The note has a clause stating that new loan is not in payment for the older note"

That makes this sound like a renewal. What you need to find out is if the pre-existing note has been retired, and your legal counsel should be able to tell you based on the language in your documents.