I have refinanced a mortgage and provided additional funding to continue construction for a condo conversion. Loan term is 12 months. Customer had borrowed from another bank to acquire this property. Is this a HMDA loan?

The term does not make it a temporary loan. What's your intended source of repayment?

The sale of the individual unit.

This would be a HMDA reportable loan if it meets the definition of a refinance - proceeds from this loan paid off another loan secured by a dwelling. The fact that this loan will not be paid by financing of a much longer term deems it not temporary regardless of the 12 month term. IMO it is reportable.

The original loan, at another bank, was to purchase and convert/construct an apartment building (4 unit) to 4 condos. The units will be sold upon completion, we will be paid out of the sale of each unit.

That meets the "splash and dash" scenario in the Q&A. It's a reportable dwelling purchase loan.

The original loan was a reportable dwelling purchase loan, my question is my loan still reportable? If yes, is this refinance or construction?

Your loan would be a reportable home improvement loan. I missed (or whether it went over my head) where your loan was not for the purchase, but rather to refinance the purchase transaction and additional money to continue improvements to the property.

Thank you.