Regulation C requires reporting of open-end lines of credit and closed-end mortgage loans. Both open-end and closed loans must be secured by a dwelling. Your transaction appears to be secured by a dwelling. For purposes of HMDA a refinance is an extension of credit covered by Regulation C, but a renewal is not. You state your transaction is a renewal, which would not be covered. The difference is that in a refinance the existing debt is satisfied and replaced by a new transaction. In a renewal there is no new note; the existing note is modified.