Amanda, what Randy was alluding to - if applicants were treated differently, then there easily could be a fair lending issue. Suppose (for example) LO was using the deposits rather than the actual paystubs, and the deposits happened to be in cash because the persons were being paid under the table. Lets also suppose (playing devil's advocate) that many of the applicants that the LO "didn't want to bother", had Hispanic surnames.
I could (as well as an examiner) easily surmise that since the bank was evaluating them using a lower amount, this LO was discriminating against Hispanics. LOAN OFFICERS HAVE TO FOLLOW BANK GUIDELINES, NOT VICE VERSA. Sorry for shouting, but certain LO's think they're prima donnas and one of them almost cost a former bank a lawsuit because he made his own (unchecked) exceptions to policy.
_________________________
Integrity. With it, nothing else matters. Without it, nothing else matters.