A redlining analysis focuses on the institution’s decisions about how much access to credit to provide to different geographical areas. Examiners will review a bank’s HMDA data to measure the percentage of applications and originations in majority–minority census tracts (50 percent or more minority population) and how it compares to data reported by other lenders operating in the same marketplace.
What is a redlining analysis?
Fair and Inclusive Mortgage Lending Outreach is the premier 2023 resource guide for implementing fair lending goals. Covers modern-day redlining, appraisal equality, marketplace demographics, credit needs assessment, peer analysis, product enhancement, community outreach, and preparing for an examination. PDF format with dozens of infographics and links to resources.
First published on 07/30/2023