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In Response To:
Thread Starter: Anonymous
Title: Re: Large loan concentration in Consumer RE

I know that banks are in the business of lending, but can a bank that does not sell loans on the secondary market and keeps them all in house, make the decision that it will only do real estate loans for its current customers without receiving scrutiny from Regulators.? We have a growing portfolio in this area, which IMO is extremely larger than any other concentration of loans we have. A large portion of our current applications for home purchase and refi are coming to us outside of our assessment area and they have no current banking relationship with us. I do not want to suggest this idea without thinking about redlining, underserved, UDAP, reputation risk etc. but I am uncertain as to where to begin my research. Any suggestions or advice is appreciated.