June 5, 2013 at 1:34 pm EDT
#3435
jholzknecht
Keymaster
I agree with your HMDA analysis. The loan appears to be a HMDA reportable refinance.
Your jump from HMDA to Call Report instructions confuses me; the two are not related.
My call reporting skills are very rusty, but I believe that code 1b is the appropriate code. Hopefully someone with real call report skills can provide a more definitive answer.