I think I am totally losing it!! Please tell me, now that we are a hmda reportable bank, we still will collect the monitoring information only on those loans that are for a purchase, refinance of a purchase or a construction/perm loan. Is that correct Sometimes I feel so stupid!!

You will collect monitoring information for:

1. Loans to purchase a dwelling secured by a dwelling;
2. Loans secured by a dwelling to satisfies and replace a loan secured by a dwelling to the same borrower (does not have to be purchase money);
3. Home improvement loans secured by a dwelling;
4. Unsecured (or secured by something other than a dwelling) home improvement loans that are classified by you as a home improvement loan.

Thanks Dan! I do remember that now. Sometimes I wonder how I get myself home from work everyday!!