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Side by Side: A Guide to Fair Lending

APPENDIX D: MORTGAGE LENDING DECISION ANALYSIS WORKSHEET

Loan Type:

 

# of Applicants

Purchase:

Refinance:

HI:

Construction:

 

Accepted:

Rejected:

 

KEY - RACE
W=White
B=Black
H=Hispanic
A=Asian
I=Native American
O=Other
KEY_MARITQAL STATUS
M=Married
U=Unmarried
S=Separated

 

 

Applicant

Loan

Officer

Census

Tract

(N' hood)

Loan Amount

Requested Granted

Loan to Value Ratio

Loan

to

Price

Ratio

Monthly Debt to Income Ratio

Examples:

#124

#07

101

200M 200M

80

75

34

#265

#07

109

100M

97

90

30

Housing Pmt to Income Ratio

PMI Y/N

Mtg. Dura-tion

(Mos.)

Int. Rate

Points

Race (Use Key)

Marital Status (Use Key)

Sex M/F

Action Taken

Reasons for Rejection

29

N

360

8

1

W

S

F

Approved

Appraised Value

28

Y

300

8

2

B

S

M

Denied

 

Note: Other categories such as "Quality of Assistance" factors also may be included. For example: Derogatory Credit Reporting Explanations; Cross-selling a More Suitable Loan Product; Appraiser Contacts; Consultations With Other Loan Officers; Requests for Additional Information; and other Evidence of Applicant Counselling; etc.

Last Updated 07/28/1999 supervision@fdic.gov