If we have a loan that the customer owns their primary residence free and clear of any liens and wishes to have cash out to construct their home. The loan will be secured by their current home. Would you report this as a purchase or other purposes?

Home purchase.

Thank you, I determined that it should be reported as home purchase, but one of my staff disagree that it should be reported as "Others".

Home purchase trumps "other" and there is no stipulation in HMDA that the purpose has to tie to the subject property.

Wow~ Good point! Thank you,