(i) The quantity and share of originations and apps of the large financial institution's residence mortgage loan loans by borrower or applicant earnings stage, race, and ethnicity;
(E) Allocation of your dollar number of the Group progress loan or community advancement financial investment to geographic locations served via the loan or expense:
For a financial institution's outside retail lending region, the Board calculates the Borrower Local community Benchmark for every big products line and for every group of designated borrowers while in the financial institution's outside retail lending space by having a weighted normal of benchmarks for every element geographic region as follows:
Pursuant to § 228.21, the Retail Lending Exam evaluates a lender's history of assisting to meet up with the credit rating requirements of its total Neighborhood with the financial institution's origination and buy of residence mortgage loan loans, multifamily loans, little business enterprise loans, and smaller farm loans.
Apart from a little bank that opts to be evaluated pursuant into the Retail Lending Test in § 228.22, the Board assigns conclusions for the efficiency of a little financial institution evaluated below this area as offered in appendix E to this element.
The Board considers Neighborhood development loans and Local community advancement investments allotted pursuant to paragraph I.b of appendix B to this section.
(iii) An inventory demonstrating Every single census tract wherein the bank documented a little small business loan or a small farm loan;
two. Summing, over the years in the analysis interval, the yearly range of documented loans in the major product line in the facility-centered evaluation location or retail lending evaluation place originated by all lenders.
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Notwithstanding the requirements of this area, a navy bank whose clients usually are not Situated inside an outlined geographic region could delineate your entire U . s . and its territories as its sole facility-primarily based assessment location.
The Board considers The provision of remote company services in the following geographic locations:
When making use of functionality tests and strategic options pursuant to paragraph (a) of the section, and when pinpointing no matter if to approve a strategic program pursuant to § 228.
i. The Board produces a weighted ordinary performance rating throughout the types of specified census tracts (
The Board weights the financial institution's efficiency score to the efficiency assessments applicable to a large website lender as follows: