Just the white males who make over the median income for the area.
I understand your comment
.....but it does represent my concern...chances are this loan officer has not granted such a concession to a female or minority borrower with similar "good customer" characteristics....IOWs the bank is allowing a practice awaiting referral to the DOJ.
IMHO an individual loan officer should never have the authority to make pricing concessions. All such concessions should go through an approval process involving the appropriate committee and the loan officer presenting the concession should have no vote in the decision process.