Also bank size and AA. I've seen community banks in major cities (e.g. LA and Houston) that have taken the city as the assessment area. The latter had 921 tracts, 2/3rds majority minority. A community bank could not adequately serve the same way as a super regional or large bank.
One other way to look at the lending is to determine the overall percentage of the bank's lending in the AA and compare the percentage in the LMI or MM tracts to see if they are underrepresented. If so, look for the reasons, such as accessibility, products, etc. If a potential applicant has to pass-by 40 competitors to reach your door, there is a chance they will not consider you. Also, larger banks have larger marketing budgets, something a smaller bank would not have.
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Integrity. With it, nothing else matters. Without it, nothing else matters.