One other thing, I happen to like using applications rather than loans.
The bank can determine the origination rate, and how it compares with their peers. Sometimes, in the lower income tracts/persons, the denial rate is legitimately higher - young being new (or bad) credit, DTI, making and being able to afford less, and LTV, not having reserves for a down payment. Using applications reflects the outreach.
For redlining, also look at the housing demograohics of the tracts. I've seen some inner city tracts with 67% rental rather than OO housing. The opportunities to lend in those areas are severely restricted. Document what you find.
Integrity. With it, nothing else matters. Without it, nothing else matters.