FAIR LENDING RISK ANALYSIS REPORTS HMDA PORTFOLIO w9±L9² 

 

61 NORTH PLAINS INDUSTRIAL RD, PBN 174 WALLINGFORD, CT 06492 www.geodatavision.com  (203) 237‐1332 

GDV BANK

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Fair Lending Risk Analysis Reports 

Reports are numbered from Series 100 through Series 200. The 100 Series of Reports contains statistical comparisons of applications processed by the Bank. The 100 Series of Reports is intended to provide insight into potential Fair Lending Risk though statistical comparisons between groups of Protected Class Applicants and Control Group Applicants to reveal different patterns of outcomes or processes. 

Within the Series 100 ‐127 Reports are 3 classes of reports: "a","b"and "c". The first report in each group,  "a", compares all minority classes to the control group.  The second Fair Lending report in each group "b", measures the percentages of actions taken between the ethnic and race subgroup applicants to the control group.  The third Fair Lending report in each group "c" measures the percentages of gender ‐ female applicants to male applicants actions taken. 

Reports 100 through 108 reveal outcome variance comparisons for home  purchase mortgages, refinance mortgages and home improvement loans for 1st, then junior mortgages.  

Reports numbered 130 through 137 measure red lining risk with respect to Low‐ and Moderate‐income tracts and Minority Tracts.   

Reports 138 and 139 depict rate spread differences by comparison of minority and female applications to Control Group applications. 

Reports 140 and 141 show processing time differences between Protected Class applicants and Control Group applicants.  Reports 142 through 144 compare mortgage actions of the bank to various assssment area demographics and competitors' actions. Reports 150-151 compare interest APR's to protected classes.

The Reports in the 200 Series contain record comparisons between individual Protected Class Applications and Control Group Applications with similar credit characteristics in order to identify potential outcome or treatment disparities that merit further investigation. 

Explanations of the calculations appear in the footnotes on each page.  "Dropouts" reflect lost opportunities, i.e. loans that were approved but not accepted by borrowers, withdrawn by the applicant before the bank made a decision or closed for incompleteness.   

There is one important caveat ‐ underwriting is an art, not a science.  The decision to make or deny a loan is based on many factors, including the intent and ability to repay the obligation and the equity that the applicant puts down.  The numbers reflect percentage differences and only by carefully comparing actual files could it be determined if the decision process was consistent.   

FAIR LENDING RISK ANALYSIS ‐ REPORT DESCRIPTIONS 

Series 100‐127 (as appropriate) Reports Measure Outcome Variance: “a” Reports ‐ all applications for that particular category “b” Reports ‐ comparisons of ethnic and racial minorities to white applicants “c” Reports ‐ comparisons of female to male applicants Series 100 to 127 Reports repeat statistical comparisons based on: loan type; loan purpose; lien

Series 130‐137 Reports ‐ Redlining Risk Analysis Report 130: By Tract Income Class ‐ Comparing origination, denial and dropout rates ‐ tract incomeReport 131: By Minority Tracts ‐ Comparing origination, denial and dropout rates ‐ tract minority statusReport 132: Denials in LMI Tracts Report 133: Denials in Minority Tracts Report 134: By LMI Tracts ‐ no client Bank mortgage activity compared to market Report 135: By Minority Tracts ‐ no client Bank mortgage activity compared to marketReport 136: By LMI Tracts ‐ housing opportunities in tracts with no Bank mortgages Report 137: By Minority Tracts ‐ housing opportunities in tracts with no Bank mortgages 

Series 138‐139 Reports ‐ Rate Spread Analysis Report 138: Rate Spread Minority originations with critical parameters (DTI, LTV, etc.) Report 139: Rate Spread Female originations with critical parameters (DTI, LTV, etc.) 

Series 140‐151 Reports  Report 140: Processing Time Comparisons for Minority Applications Report 141: Processing Time Comparisons based on Gender Report 142: Action Type ComparisonsReport 143: Mortgage Activity Compared to Market Demographics Report 144: Mortgage Activity Compared to Competitors 150-151 Comparison by APR's.

Series 200‐202 Reports ‐ Record Comparisons ‐ Minority Applications Denied “a” Reports ‐ ethnic and racial minorities to white applicants“b” Reports ‐ female to male applicantsReport 200: Denied for credit compared to Non‐Minority originations with lower credit scoreReport 201: Denied for income compared to Non‐Minority originations with higher debt to income ratioReport 202: Denied for collateral compared to Non‐Minority originations with higher loan to value.ratio

The GeoDataVision Fair Lending Risk Analysis Reports can also be tailored to incorporate additional loan types including FHA, VA and FHA/RHS mortgage applications. If your institution has programs for these types of loans, we will include them in the analysis. 

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Report 100a (Summary of all applications and liens)

Fair Lending Variance Summary GDV Bank Records

Focal Points: Mortgage Type: AllMortgage Purpose: AllLien Position: All

Minority Originations

Minority Denials

Minority Dropouts

Minority Applications

White Originations

White  Denials

White Dropouts

White Applications

GDV Bank

Minority Origination 

Rate

Minority Denial Rate

50 22 1890 55.56% 24.44%

381 82 71534

Minority Dropout Rate

20.00%

White Origination 

Rate

71.35%

White Denial Rate

15.36%

White Dropout Rate

13.30%

Outcome Comparisons Origination Incidence Variance 

 Denial Incidence Variance

Dropout Incidence Variance 

Minority "Rate Spread" 

Incidence

0.00%

White "Rate Spread" 

Incidence

0.79%

"Rate Spread" Incidence Variance

Minority Rate Spread 

    White      Rate Spread 

Units

0

3

0.78 1.59 1.50Negative Comparison

Negative Comparison

Negative Comparison

0.00Positive Comparison

Outcomes are compared based on the relative incidence of various outcomes. For example, the relative percentage of minority applications resulting in originations ("Origination Rate") is compared to the relative percentage of white mortgage applications resulting in originations. A perfect correlation is "1", meaning that the same percentage of minority applications were originated as majority applications. Results greater than "1" indicate a higher incidence of minority mortgage applications resulted in the outcome and results less than "1" indicate a lower incidence of minority applications with the outcome. For origination rate comparisons, a high number is a positive comparison whereas for denials, "dropouts" (a combination of: withdrawn, incomplete and approved not accepted) and rate spread a number higher than "1" is an unfavorable ("negative") comparison. "Rate Spread" refers to mortgages whose rate met or exceeded the rate spread threshold as defined by the Regulation.

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 1 of 1 Report 100a - Outcome Variance-All Records

Fair Lending Variance Summary Report GDV Bank Records by Minority Classification Focal Points: 

Mortgage Type: AllMortgage Purpose: AllLien Position: All

Report 100b - Summary of all Race/Ethnicity

GDV Bank

White Originations

White  Denials

White Dropouts

White Applications

20 10 737 54.05% 27.03%

381 82 71534

18.92%

White Origination 

Rate

71.35%

White Denial Rate

15.36%

White Dropout Rate

13.30%

Outcome Comparisons Origination Incidence Variance 

 Denial Incidence Variance

Dropout Incidence Variance 

0.00%

White "Rate Spread" 

Incidence

0.79%

"Rate Spread" Incidence Variance

 White  Rate Spread 

Units

0

3

0.76 1.76 1.42Negative Comparison

Negative Comparison

Negative Comparison

0.00Positive Comparison

Hispanic

Hispanic Applications

Hispanic Originations

Hispanic Origination 

Rate

Hispanic Denials

Hispanic Denial Rate

Hispanic Dropouts

Hispanic Dropout Rate

Hispanic Rate Spread 

Units

Hispanic Rate Spread Incidence

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 1 of 5 Report 100b - Outcome Variance-All Records by Minority Classification

Outcomes are compared based on the relative incidence of various outcomes. For example, the relative percentage of minority applications resulting in originations ("Origination Rate") is compared to the relative percentage of white mortgage applications resulting in originations. A perfect correlation is "1", meaning that the same percentage of minority applications were originated as majority applications. Results greater than "1" indicate a higher incidence of minority mortgage applications resulted in the outcome and results less than "1" indicate a lower incidence of minority applications with the outcome. For origination rate comparisons, a high number is a positive comparison whereas for denials, "dropouts" (a combination of: withdrawn, incomplete and approved not accepted) and rate spread a number higher than "1" is an unfavorable ("negative") comparison. "Rate Spread" refers to mortgages whose rate met or exceeded the rate spread threshold as defined by the Regulation.

GDV Bank

White Originations

White  Denials

White Dropouts

White Applications

19 5 832 59.38% 15.63%

381 82 71534

25.00%

White Origination 

Rate

71.35%

White Denial Rate

15.36%

White Dropout Rate

13.30%

Outcome Comparisons Origination Incidence Variance 

 Denial Incidence Variance

Dropout Incidence Variance 

0.00%

White "Rate Spread" 

Incidence

0.79%

"Rate Spread" Incidence Variance

 White  Rate Spread 

Units

0

3

0.83 1.02 1.88Negative Comparison

Negative Comparison

Negative Comparison

0.00Positive Comparison

Asian

Asian Applications

Asian Originations

Asian Origination 

Rate

Asian Denials

Asian Denial Rate

Asian Dropouts

Asian Dropout Rate

Asian Rate Spread Units

Asian Rate Spread Incidence

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 2 of 5 Report 100b - Outcome Variance-All Records by Minority Classification

Outcomes are compared based on the relative incidence of various outcomes. For example, the relative percentage of minority applications resulting in originations ("Origination Rate") is compared to the relative percentage of white mortgage applications resulting in originations. A perfect correlation is "1", meaning that the same percentage of minority applications were originated as majority applications. Results greater than "1" indicate a higher incidence of minority mortgage applications resulted in the outcome and results less than "1" indicate a lower incidence of minority applications with the outcome. For origination rate comparisons, a high number is a positive comparison whereas for denials, "dropouts" (a combination of: withdrawn, incomplete and approved not accepted) and rate spread a number higher than "1" is an unfavorable ("negative") comparison. "Rate Spread" refers to mortgages whose rate met or exceeded the rate spread threshold as defined by the Regulation.

GDV Bank

White Originations

White  Denials

White Dropouts

White Applications

9 6 318 50.00% 33.33%

381 82 71534

16.67%

White Origination 

Rate

71.35%

White Denial Rate

15.36%

White Dropout Rate

13.30%

Outcome Comparisons Origination Incidence Variance 

 Denial Incidence Variance

Dropout Incidence Variance 

0.00%

White "Rate Spread" 

Incidence

0.79%

"Rate Spread" Incidence Variance

 White  Rate Spread 

Units

0

3

0.70 2.17 1.25Negative Comparison

Negative Comparison

Negative Comparison

0.00Positive Comparison

Black

Black Applications

Black Originations

Black Origination 

Rate

Black Denials Black Denial Rate

Black Dropouts

Black Dropout Rate

Black Rate Spread Units

Black Rate Spread Incidence

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 3 of 5 Report 100b - Outcome Variance-All Records by Minority Classification

Outcomes are compared based on the relative incidence of various outcomes. For example, the relative percentage of minority applications resulting in originations ("Origination Rate") is compared to the relative percentage of white mortgage applications resulting in originations. A perfect correlation is "1", meaning that the same percentage of minority applications were originated as majority applications. Results greater than "1" indicate a higher incidence of minority mortgage applications resulted in the outcome and results less than "1" indicate a lower incidence of minority applications with the outcome. For origination rate comparisons, a high number is a positive comparison whereas for denials, "dropouts" (a combination of: withdrawn, incomplete and approved not accepted) and rate spread a number higher than "1" is an unfavorable ("negative") comparison. "Rate Spread" refers to mortgages whose rate met or exceeded the rate spread threshold as defined by the Regulation.

GDV Bank

White Originations

White  Denials

White Dropouts

White Applications

2 0 02 100.00% 0.00%

381 82 71534

0.00%

White Origination 

Rate

71.35%

White Denial Rate

15.36%

White Dropout Rate

13.30%

Outcome Comparisons Origination Incidence Variance 

 Denial Incidence Variance

Dropout Incidence Variance 

0.00%

White "Rate Spread" 

Incidence

0.79%

"Rate Spread" Incidence Variance

 White  Rate Spread 

Units

0

3

1.40 0.00 0.00Positive Comparison

Positive Comparison

Positive Comparison

0.00Positive Comparison

MultiRacial

MultiRacial Applications

MultiRacial Originations

MultiRacial Origination 

Rate

MultiRacial Denials

MultiRacial Denial Rate

MultiRacial Dropouts

MultiRacial Dropout Rate

MultiRacial Rate Spread 

Units

MultiRacial Rate Spread Incidence

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 4 of 5 Report 100b - Outcome Variance-All Records by Minority Classification

Outcomes are compared based on the relative incidence of various outcomes. For example, the relative percentage of minority applications resulting in originations ("Origination Rate") is compared to the relative percentage of white mortgage applications resulting in originations. A perfect correlation is "1", meaning that the same percentage of minority applications were originated as majority applications. Results greater than "1" indicate a higher incidence of minority mortgage applications resulted in the outcome and results less than "1" indicate a lower incidence of minority applications with the outcome. For origination rate comparisons, a high number is a positive comparison whereas for denials, "dropouts" (a combination of: withdrawn, incomplete and approved not accepted) and rate spread a number higher than "1" is an unfavorable ("negative") comparison. "Rate Spread" refers to mortgages whose rate met or exceeded the rate spread threshold as defined by the Regulation.

GDV Bank

White Originations

White  Denials

White Dropouts

White Applications

0 1 01 0.00% 100.00%

381 82 71534

0.00%

White Origination 

Rate

71.35%

White Denial Rate

15.36%

White Dropout Rate

13.30%

Outcome Comparisons Origination Incidence Variance 

 Denial Incidence Variance

Dropout Incidence Variance 

NA

White "Rate Spread" 

Incidence

0.79%

"Rate Spread" Incidence Variance

 White  Rate Spread 

Units

0

3

0.00 6.51 0.00Negative Comparison

Negative Comparison

Positive Comparison

0.00Positive Comparison

Hawaiian Islander/Pacific Islander

HIPI Applications

HIPI Originations

HIPI Origination 

Rate

HIPI Denials HIPI Denial Rate

HIPI Dropouts

HIPI Dropout Rate

HIPI Rate Spread Units

HIPI Rate Spread Incidence

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 5 of 5 Report 100b - Outcome Variance-All Records by Minority Classification

Outcomes are compared based on the relative incidence of various outcomes. For example, the relative percentage of minority applications resulting in originations ("Origination Rate") is compared to the relative percentage of white mortgage applications resulting in originations. A perfect correlation is "1", meaning that the same percentage of minority applications were originated as majority applications. Results greater than "1" indicate a higher incidence of minority mortgage applications resulted in the outcome and results less than "1" indicate a lower incidence of minority applications with the outcome. For origination rate comparisons, a high number is a positive comparison whereas for denials, "dropouts" (a combination of: withdrawn, incomplete and approved not accepted) and rate spread a number higher than "1" is an unfavorable ("negative") comparison. "Rate Spread" refers to mortgages whose rate met or exceeded the rate spread threshold as defined by the Regulation.

Report 100c - Gender (Reports 101-127 by purpose/lien/type)Fair Lending Variance Summary Report GDV Bank Recordsby Gender Focal Points: 

Mortgage Type: AllMortgage Purpose: AllLien Position: All

Female Originations

Female  Denials

Female  Dropouts

Female Applications

Male  Originations

Male   Denials

Male Dropouts

Male Applications

GDV Bank 2012

Female  Origination 

Rate

Female Denial Rate

94 15 13122 77.05% 12.30%

95 43 26164

Female Dropout Rate

10.66%

Male  Origination 

Rate

57.93%

Male  Denial Rate

26.22%

Male Dropout Rate

15.85%

Outcome Comparisons Origination Incidence Variance 

 Denial Incidence Variance

Dropout Incidence Variance 

Female  "Rate Spread" 

Incidence

0.00%

Male  "Rate Spread" 

Incidence

2.11%

"Rate Spread" Incidence Variance

Female  Rate Spread 

 Male    Rate Spread 

Units

0

2

1.33 0.47 0.67Positive Comparison

Positive Comparison

Positive Comparison

0.00Positive Comparison

Outcomes are compared based on the relative incidence of various outcomes. For example, the relative percentage of minority applications resulting in originations ("Origination Rate") is compared to the relative percentage of white mortgage applications resulting in originations. A perfect correlation is "1", meaning that the same percentage of minority applications were originated as majority applications. Results greater than "1" indicate a higher incidence of minority mortgage applications resulted in the outcome and results less than "1" indicate a lower incidence of minority applications with the outcome. For origination rate comparisons, a high number is a positive comparison whereas for denials, "dropouts" (a combination of: withdrawn, incomplete and approved not accepted) and rate spread a number higher than "1" is an unfavorable ("negative") comparison. "Rate Spread" refers to mortgages whose rate met or exceeded the rate spread threshold as defined by the Regulation.

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 1 of 1 Report 100c - Outcome Variance-All Records by Gender

Redlining Risk: Application Results in Assessment Area by Tract Income Class and Tract Number for GDV Bank Records

Report 130 - (Report 131 is similar, but includes Minority Tracts)

Focal Points: Mortgage Type: AllMortgage Purpose: AllLien Position: All

CountyName

CompleteTractNumberNumber of Applications

Originated Units

Denied Units

Dropout Units

Purchased Units

LowTract Income Class FAIR COUNTY 

6 4 1 109001021400 0

2 2 0 009001021500 0

2 2 0 009001022200 0

2 1 1 009001043700 0

2 0 2 009001044100 0

1 0 0 1 0

15 9 4 2

09001044500

Totals for FAIR COUNTY   

60.0% 26.7% 13.3%ORIGINATION, DENIAL AND DROPOUT RATES FOR  Low INCOME CLASS TRACTS IN FAIR COUNTY

0

15 9 4 2

60.0% 26.7% 13.3%

TOTAL UNITS FOR Low INCOME CLASS TRACTS

ORIGINATION, DENIAL AND DROPOUT RATES FOR  Low INCOME CLASS TRACTS

0

© 2012 GeoDataVision   (203) 237‐1332   www.geodatavision.com                   Report 130‐ Redlining Analysis: Comparison of Origination, Denial and Dropout Rates by tract income class    Page 1 of 7  

CountyName

CompleteTractNumberNumber of Applications

Originated Units

Denied Units

Dropout Units

Purchased Units

ModerateTract Income Class FAIR COUNTY 

2 1 0 109001020100 0

8 4 3 109001021300 0

5 1 2 209001021600 0

9 9 0 009001021802 0

12 8 3 109001021900 0

3 2 0 109001022000 0

10 8 1 109001022100 0

6 5 1 009001022300 0

4 3 0 109001043200 0

6 4 2 009001043400 0

3 2 1 009001043800 0

2 0 2 009001044000 0

1 0 1 009001044200 0

5 2 2 1 0

76 49 18 9

09001044400

Totals for FAIR COUNTY   

64.5% 23.7% 11.8%ORIGINATION, DENIAL AND DROPOUT RATES FOR  Moderate INCOME CLASS TRACTS IN FAIR COUNTY

0

76 49 18 9

64.5% 23.7% 11.8%

TOTAL UNITS FOR Moderate INCOME CLASS TRACTS

ORIGINATION, DENIAL AND DROPOUT RATES FOR  Moderate INCOME CLASS TRACTS

0

© 2012 GeoDataVision   (203) 237‐1332   www.geodatavision.com                   Report 130‐ Redlining Analysis: Comparison of Origination, Denial and Dropout Rates by tract income class    Page 2 of 7  

CountyName

CompleteTractNumberNumber of Applications

Originated Units

Denied Units

Dropout Units

Purchased Units

522 388 79 55

74.3% 15.1% 10.5%

TOTALS FOR GDV Bank 

ORIGINATION, DENIAL AND DROPOUT RATES FOR  GDV Bank 

60.0% 26.7% 13.3% LOW‐INCOME CLASS TRACTS

MODERATE‐INCOME CLASS TRACTS 64.5%

 MIDDLE‐INCOME CLASS TRACTS

 UPPER‐INCOME CLASS TRACTS

74.6%

78.0%

23.7%

17.3%

10.2%

11.8%

8.1%

11.8%

ORIGINATION RATE DENIAL RATE DROPOUT RATE

COMPARISON OF ORIGINATION, DENIAL AND DROPOUT RATES BY TRACT INCOME CLASS

APPLICATIONS

15

76

185

246

22

© 2012 GeoDataVision   (203) 237‐1332   www.geodatavision.com                   Report 130‐ Redlining Analysis: Comparison of Origination, Denial and Dropout Rates by tract income class    Page 7 of 7  

Report 132 - (Report 133 is similar, but includes applications from Minority Tracts)Review of GDV Bank Denied Application Records to Applicants from Low to Moderate Income Tracts in Assessment Area

Focal Points: Mortgage Type: AllMortgage Purpose: AllLien Position: All

CONNECTICUT

LoanAmount (thousands)

Income (thousands) LTV CLTV Credit Score Debt Ratio Lien Status

Combined Debt Ratio

Application Number

Denied Applications From Low Income TractsBorrower Income Class

Applicant Minority StatusTract

FAIR COUNTY

250 240 156.25% 156.25% 688 29.47%1 43.45%12-01-004624 Non-minority Upper044100

225 53 108.70% 108.70% 626 29.30%1 36.17%12-08-005149 Non-minority Low021400

108 66 36.00% 43.43% 719 28.45%1 63.17%12-09-005186 Minority Moderate044100

136 67 85.00% 97.67% 753 26.53%1 37.16%12-09-005229 Minority Moderate043700

4 Denied Applications in Low Income Tracts

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 1 of 2 Report 132 Denied Applications from Low to Moderate Income Tracts

Low and Moderate Income Tracts from GDV Bank Assessment Area with No Originations or Purchased Loans for GDV Bank but With Competitor Originations or Purchases

Report 134 - (Report 135 similar but includes Minority Tracts)

County Name

CompleteTractNumberCompetitors Total Units

Originated Units

Denied Units

Dropout Units

Fair Lending Reports for: GDV Bank

Purchased Units

LowTract Income Class FAIR COUNTY 

139 59 30 3109001044100 19

61 24 14 16 7

200 83 44 47

09001044500

Totals for FAIR COUNTY    26

200 83 44 47TOTAL COMPETITOR UNITS FOR Low INCOME CLASS TRACTS 26

ModerateTract Income Class FAIR COUNTY 

180 82 32 4009001044000 26

145 70 19 30 26

325 152 51 70

09001044200

Totals for FAIR COUNTY    52

325 152 51 70TOTAL COMPETITOR UNITS FOR Moderate INCOME CLASS TRACTS 52

© 2013 GeoDataVision   (203) 237‐1332   www.geodatavision.com         Report 134 ‐ Low to Moderate Income Tracts in Assessment Area Without Bank Originations or Purchased Loans       Page 1 of 2  

County Name

Competitors Total Units

Originated Units

Denied Units

Dropout Units

Fair Lending Reports for: GDV Bank

Purchased Units

525 235 95 117

CompleteTractNumber

Totals for Low and Moderate Tracts from GDV 

Bank Assessment Area 78

© 2013 GeoDataVision   (203) 237‐1332   www.geodatavision.com         Report 134 ‐ Low to Moderate Income Tracts in Assessment Area Without Bank Originations or Purchased Loans       Page 2 of 2  

Housing Opportunities in Low and Moderate Income Tracts from GDV Bank Assessment Area with No Originations or Purchased Loans for GDV Bank

Report 136 - (Report 137 similar, but includes Minority Tracts)

County Name

CompleteTractNumberHousing Units

Occupied Units

Vacant Units

Owner Occupied Units

Renter Occupied Units

1 ‐ 4  Family Units

Multi‐ Family Units

Tract Income Class Low

FAIR COUNTY    1,77009001044100 1,491 279 416 1,075 559 1,211

1,27409001044500 1,141 133 391 750 685 589

3,044TOTALS FOR 2 TRACTS IN FAIR COUNTY 2,632 412 807 1,825 1,244 1,800

3,044TOTALS FOR 2 TRACTS IN LOW INCOME CLASS TRACTS 2,632 412 807 1,825 1,244 1,800

Tract Income Class Moderate

FAIR COUNTY    2,70809001044000 2,505 203 891 1,614 1,589 1,119

1,95509001044200 1,659 296 646 1,013 1,510 445

4,663TOTALS FOR 2 TRACTS IN FAIR COUNTY 4,164 499 1,537 2,627 3,099 1,564

4,663TOTALS FOR 2 TRACTS IN MODERATE INCOME CLASS TRACTS 4,164 499 1,537 2,627 3,099 1,564

7,707Totals for 4 Low and Moderate Income Tracts from GDV Bank Assessment Area

6,796 911 2,344 4,452 4,343 3,364

© 2012 GeoDataVision   (203) 237‐1332   www.geodatavision.com                  Report 136 ‐ Low to Moderate Income Tracts in Assessment Area Without Bank Originations or Purchased Loans      Page 1 of 1  

Report 138 - Minority Rate Spread Units (Report 139 similar, but for Female Borrowers)

Listing of GDV Bank Minority Rate Spread Units for Review

LoanAmount (thousands)

Income (thousands)

LTV CLTV CREDIT SCORE DEBT RATIOLien Status COMB.DEBT RATIORate SpreadMinority Application NumberMinority Classification

NO QUALIFYING RECORDS FOR THIS REPORT

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 1 of 1 Report 138 - Minority Rate Spread Units

Fair Lending Analysis of Process Times for GDV Bank Records by Minority Class

Report 140 - (Report 141 is similar but compares processing times by gender)

Action Type Number of Units Average Process Time in Days

Originated

Asian 8119

Black 859

Hispanic 6720

MultiRacial 502

White 70381

431Total Originated

Appl approved not accepted

Asian 1361

Hispanic 1591

White 1246

8Total Appl approved not accepted

Denied

Asian 235

Black 206

Hawaiian Islander/Pacific Islander 31

Hispanic 2510

White 2582

104Total Denied

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 1 of 2Report 140 - Process Times by Minority Class

Action Type Number of Units Average Process Time in Days

Appl withdrawn

Asian 146

Black 152

Hispanic 134

White 2530

42Total Appl withdrawn

File closed incomplete

Black 671

White 459

10Total File closed incomplete

Purchase

Asian 1

Hispanic 1

White 23

25Total Purchase

Preapproval approved not accepted

Hispanic 861

White 693

4

624

Total Preapproval approved not accepted

Total Applications for GDV Bank 

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 2 of 2Report 140 - Process Times by Minority Class

Fair Lending Comparison of Actions Taken by GDV Bank to Competitor Actions Within the Assessment Area

Report 142

Bank AppsAction Type Bank % Market % DifferenceCompetitor Apps

Originated 388 74.33% 66.66% 7.67%14,999

Appl approved not accepted 8 1.53% 4.89% ‐3.36%1,101

Denied 79 15.13% 14.60% 0.53%3,286

Appl withdrawn 38 7.28% 9.47% ‐2.19%2,130

File closed incomplete 9 1.72% 4.38% ‐2.66%986

522Total Applications for GDV Bank

100.00% 100.00%22,502

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 1 of 1Report 142 - Comparison of Actions Taken

This report reflects the activity from the 2012 data provided by GDV Bank from within their assessment area compared to their competitors' market data from 2012 within GDV Bank's 2012 assessment area. This analysis excludes purchase and preapproval activity.

Summary of Activity in Assessment Area for GDV Bank Records by Minority Class

Report 143

Population % in Assessment Area

% of Applications taken by Bank

 % of Loans Originated by Bank

Minority  Classification

American Indian/Alaskan Native 0.00%0.18% 0.00%

Asian 5.18%6.38% 4.41%

Black 3.01%8.46% 2.09%

Hawaiian/Pacific Islander 0.17%0.04% 0.00%

Hispanic 6.01%16.20% 4.64%

Multi‐Racial 0.33%0.69% 0.46%

White 85.31%68.05% 88.40%

100.00%100.00% 100.00%

Application and origination calculations are based only on those applications where minority information was provided.

Applicants who are both Hispanic and members of a minority race (such as Black, Asian, etc.) are counted only once for purposes of this demographic report. If a person is both Hispanic and a racial minority they are counted as Hispanic and not counted as a racial minority. Therefore, there may be some under‐counting of the racial categories because, for example, Black Hispanics (or other racial minority) are counted only as Hispanics (and not as Blacks) in the above demographic data.

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 1 of 1Report 143 - Summary of Activity by Minority Class

Summary of Activity in Assessment Area for GDV Bank and Competitors Records by Minority Class

Report 144

 % of Applications in Assessment Area

% of Applications   in Assesmsent Area

 % of Originations    in Assessment Area

Minority  Classification  % of Originations in Assessment Area

Competitor Activity GDV Bank

American Indian/Alaskan Native 0.00%0.08% 0.00%0.06%

Asian 4.96%6.01% 3.61%6.49%

Black 2.02%2.03% 1.80%1.69%

Hawaiian/Pacific Islander 0.00%0.18% 0.00%0.19%

Hispanic 5.70%4.63% 4.64%4.46%

Multi‐Racial 0.18%0.27% 0.26%0.27%

Not Provided or NA 7.17%21.22% 7.47%13.17%

White 79.96%65.57% 82.22%73.67%

Application and origination calculations are based only on those applications where minority information was provided.

Applicants who are both Hispanic and members of a minority race (such as Black, Asian, etc.) are counted only once for purposes of this demographic report. If a person is both Hispanic and a racial minority they are counted as Hispanic and not counted as a racial minority. Therefore, there may be some under‐counting of the racial categories because, for example, Black Hispanics (or other racial minority) are counted only as Hispanics (and not as Blacks) in the above demographic data.

100.00%100.00% 100.00%100.00%

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 1 of 1Report 144 - Summary of Competitor Activity by Minority Class

Fair Lending Analysis of APRs for GDV Bank Recordsby Minority Class

Report 150 (Report 151 similar but for gender)

For Terms of Less than 20 Years Number of Units Average APR % of White APR

Term Category

Home Purchase ‐ First LienAsian 3.7215 100.00%Black 3.862 104.00%Hispanic 4.262 115.00%White 3.7171 100.00%

90Total Home Purchase ‐ First Lien

90Total Home Purchase

Home Improvement ‐ First LienBlack 3.692 99.00%White 3.7325 100.00%

27Total Home Improvement ‐ First Lien

27Total Home Improvement

Refinancing ‐ First LienAsian 3.2923 95.00%Black 3.494 101.00%Hispanic 3.794 110.00%White 3.46220 100.00%

251Total Refinancing ‐ First Lien

251Total Refinancing

368Total for Less than 20 Years

For Terms of 20 Years or More Number of Units Average APR % of White APR

Term Category

© 2013 GeoDataVision (203) 237-1332 www.geodatavision.com Page 1 of 3Report 150 - Comparisons of APRProcess Times by Minority Class

Review of GDV Bank Records to Identify Minority Applicants Denied for Credit With Credit Scores Greater Than or Equal to Approved Non-Minority Borrowers

Report includes all mortgage types with comparisons sorted by 

mortgage type 

Report 200a - (Report 200b similar, but makes comparisons for gender)

Loan Type - Conventional

Denied Minority ApplicationsLoanAmount (thousands)

Income (thousands)

LTV CLTV CREDIT SCORE DEBT RATIO COMB.DEBT RATIO

Loan Minority Class Lien StatusApplication Number

Black Non-Hispanic12-10-005235 350 139 70.00% 70.00% 649 25.28%1 55.26%

Black Non-Hispanic12-04-004827 420 187 83.17% 83.17% 632 22.95%1 43.04%

2 Denied Minority Applications

Originated Non-minority applicationsLoanAmount (thousands)

Income (thousands)

LTV CLTV CREDIT SCORE DEBT RATIO COMB.DEBT RATIO

Loan Minority Class Lien StatusApplication Number

White Non-Hispanic11-12-004545 350 229 41.18% 52.21% 629 26.70%1 39.01%

White Non-Hispanic11-12-004603 160 49 61.54% 61.54% 635 40.80%1 44.99%

White Non-Hispanic12-06-004946 95 31 48.72% 48.72% 641 33.96%1 34.35%

White Non-Hispanic12-05-004879 301 142 50.17% 50.17% 643 23.16%1 36.41%

White Non-Hispanic11-11-004520 684 234 80.00% 80.00% 643 26.37%1 39.71%

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 1 of 2 Report 200a - Review of applications by credit score criteria

Report 200c - (Report 200d similar, but makes comparisons for gender)GDV Bank Records With Credit Scores Out of Range* and Not Included Report in 200a Comparisons

Report includes out of range records sorted by mortgage type 

Loan Type - Conventional

Originated Non-minority applicationsLoanAmount (thousands)

Income (thousands)

LTV CLTV CREDIT SCORE DEBT RATIO COMB.DEBT RATIO

Loan Minority Class Lien StatusApplication Number

White Non-Hispanic12-06-004941 185 70 0.00% 0.00% 0 0.00%1 0.00%

1 Originated Non-minority applications

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 1 of 1 Report 200c - Records with out of range credit scores

* Out of Range is defined as any credit score less than 300 or greater than 900 or missing

Review of GDV Bank Records to Identify Minority Applicants Denied for Income With Debt Ratios Less than or Equal to Approved Non-Minority Borrowers

Report includes all mortgage types with comparisons sorted by 

mortgage type 

Report 201a - (Report 201b similar, but makes comparisons for gender)

Loan Type - Conventional

Denied Minority ApplicationsLoanAmount (thousands)

Income (thousands)

LTV CLTV CREDIT SCORE DEBT RATIO COMB.DEBT RATIO

Loan Minority Class Lien StatusApplication Number

Black Non-Hispanic12-04-004827 420 187 83.17% 83.17% 632 22.95%1 43.04%

White Hispanic12-07-005071 16 59 4.00% 83.99% 803 43.86%2 49.59%

Asian Non-Hispanic12-09-005178 860 242 78.18% 78.18% 777 32.14%1 51.44%

Black Non-Hispanic12-02-004669 100 80 43.48% 43.48% 722 7.48%1 51.47%

Asian Non-Hispanic12-11-005302 250 84 34.29% 34.29% 725 32.61%1 51.77%

Black Non-Hispanic12-10-005235 350 139 70.00% 70.00% 649 25.28%1 55.26%

White Hispanic12-07-005070 228 128 80.00% 80.00% 788 17.44%1 60.07%

White Hispanic12-11-005330 330 52 100.00% 100.00% 599 58.61%1 60.36%

White Hispanic12-09-005186 108 66 36.00% 43.43% 719 28.45%1 63.17%

9 Denied Minority Applications

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 1 of 9 Report 201a - Review of applications by debt ratio criteria

Review of GDV Bank Records to Identify Minority Applicants Denied for Income With Debt Ratios Less than or Equal to Approved Non-Minority Borrowers

Report includes all mortgage types with comparisons sorted by 

mortgage type 

Report 201a - Last page in the series.

Loan Type - Conventional

Originated Non-minority applicationsLoanAmount (thousands)

Income (thousands)

LTV CLTV CREDIT SCORE DEBT RATIO COMB.DEBT RATIO

Loan Minority Class Lien StatusApplication Number

White Non-Hispanic12-06-004936 250 63 45.45% 53.03% 764 37.53%1 43.36%

White Non-Hispanic12-09-005230 218 84 33.54% 37.95% 713 32.43%1 43.32%

White Non-Hispanic12-07-005030 1027 304 56.27% 56.27% 660 32.12%1 43.22%

White Non-Hispanic12-03-004738 328 102 80.00% 102.07% 674 33.25%1 43.19%

White Non-Hispanic12-09-005194 972 356 80.00% 80.00% 732 20.39%1 43.10%

75 Originated Non-minority applications

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 9 of 9 Report 201a - Review of applications by debt ratio criteria

Report 201c - (Report 201d similar, but makes comparisons for gender)GDV Bank Records With Debt Ratios Out of Range* and Not Included Report in 201a Comparisons

Report includes out of range records sorted by mortgage type 

Loan Type - Conventional

Denied Minority ApplicationsLoanAmount (thousands)

Income (thousands)

LTV CLTV CREDIT SCORE DEBT RATIO COMB.DEBT RATIO

Loan Minority Class Lien StatusApplication Number

Black Hispanic12-02-004689 27 95 90.00% 90.00% 584 9.53%1 753.34%

1 Denied Minority Applications

Originated Non-minority applicationsLoanAmount (thousands)

Income (thousands)

LTV CLTV CREDIT SCORE DEBT RATIO COMB.DEBT RATIO

Loan Minority Class Lien StatusApplication Number

White Non-Hispanic12-02-004673 212 24 39.26% 48.29% 804 106.95%1 164.89%

White Non-Hispanic12-06-004941 185 70 0.00% 0.00% 0 0.00%1 0.00%

White Non-Hispanic12-10-005259 275 1 74.53% 74.53% 717 0.00%1 0.00%

3 Originated Non-minority applications

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 1 of 1 Report 201c - Records with out of range debt ratios

* Out of Range is defined as any debt ratio less than 2 or greater than 150 or missing

Review of GDV Bank Records to Identify Minority Applicants Denied for Collateral With Loan to Value Ratios Less Than or Equal to Approved Non-Minority Borrowers

Report includes all mortgage types with comparisons sorted by 

mortgage type 

Report 202a - (Report 202b similar, but makes comparisons for gender)

Loan Type - Conventional

Denied Minority ApplicationsLoanAmount (thousands)

Income (thousands)

LTV CLTV CREDIT SCORE DEBT RATIO COMB.DEBT RATIO

Loan Minority Class Lien StatusApplication Number

Black Non-Hispanic12-02-004669 100 80 43.48% 43.48% 722 7.48%1 51.47%

Asian Non-Hispanic12-01-004612 130 150 66.67% 66.67% 800 23.03%1 34.13%

White Hispanic12-02-004717 280 72 67.47% 67.47% 739 32.26%1 39.00%

Asian Non-Hispanic12-09-005178 860 242 78.18% 78.18% 777 32.14%1 51.44%

Black Non-Hispanic12-04-004827 420 187 83.17% 83.17% 632 22.95%1 43.04%

Asian Non-Hispanic12-06-004991 1000 531 84.75% 84.75% 804 16.28%1 18.26%

Black Non-Hispanic12-03-004759 228 97 87.69% 87.69% 672 31.73%1 40.36%

HIPI Non-Hispanic12-01-004621 284 61 93.42% 93.42% 670 35.12%1 58.59%

White Hispanic12-09-005229 136 67 85.00% 97.67% 753 26.53%1 37.16%

White Hispanic12-11-005330 330 52 100.00% 100.00% 599 58.61%1 60.36%

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 1 of 29 Report 202a - Review of applications by loan to value criteria

Review of GDV Bank Records to Identify Minority Applicants Denied for Collateral With Loan Value Ratios Less Than or Equal to Approved Non-Minority Borrowers

Report includes all mortgage types with comparisons sorted by 

mortgage type 

Report 202a - (Last page with total of records in the category)

Loan Type - Conventional

Originated Non-minority applicationsLoanAmount (thousands)

Income (thousands)

LTV CLTV CREDIT SCORE DEBT RATIO COMB.DEBT RATIO

Loan Minority Class Lien StatusApplication Number

White Non-Hispanic12-08-005106 160 144 18.39% 43.68% 721 39.72%1 39.72%

269 Originated Non-minority applications

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 29 of 29 Report 202a - Review of applications by loan to value criteria

Report 202c - (Report 202d similar, but makes comparisons for gender)GDV Bank Records With Loan to Value Ratios Out of Range* and Not Included Report in 202a Comparisons

Report includes out of range records sorted by mortgage type 

Loan Type - Conventional

Denied Minority ApplicationsLoanAmount (thousands)

Income (thousands)

LTV CLTV CREDIT SCORE DEBT RATIO COMB.DEBT RATIO

Loan Minority Class Lien StatusApplication Number

White Hispanic12-03-004796 160 95 91.43% 158.73% 697 32.81%1 37.28%

1 Denied Minority Applications

Originated Non-minority applicationsLoanAmount (thousands)

Income (thousands)

LTV CLTV CREDIT SCORE DEBT RATIO COMB.DEBT RATIO

Loan Minority Class Lien StatusApplication Number

White Non-Hispanic12-04-004836 183 75 154.66% 154.66% 751 26.37%1 40.40%

White Non-Hispanic12-06-004941 185 70 0.00% 0.00% 0 0.00%1 0.00%

2 Originated Non-minority applications

© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com Page 1 of 1 Report 202c - Records with out of range loan to value ratios

* Out of Range is defined as any loan to value ratio less than 2 or greater than 150 or missing

Assessment Area TableThe following tracts comprise the assessment area used in selected reports

GDV Bank

County MSA- Complete Tract Number

Tract Inc Class

Minority Tract*

14860-09001010101 Upper No

14860-09001010102 Upper No

14860-09001010201 Upper No

14860-09001010202 Upper No

14860-09001010300 Upper No

14860-09001010400 Middle No

14860-09001010500 Middle No

14860-09001010600 Upper No

14860-09001010700 Middle No

14860-09001010800 Upper No

14860-09001010900 Upper No

14860-09001011000 Upper No

14860-09001011100 Upper No

14860-09001011200 Upper No

14860-09001011300 Middle No

14860-09001020100 Moderate Yes

14860-09001020200 Upper No

14860-09001020300 Upper No

14860-09001020400 Upper No

14860-09001020500 Upper No

14860-09001020600 Middle No

14860-09001020700 Middle No

14860-09001020800 Upper No

14860-09001020900 Middle No

14860-09001021000 Middle No

14860-09001021100 Middle No

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY 14860-09001021200 Middle No

Page 1 of 3© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com

*Minority Tracts defined as tracts with a minority population percent of 50% or greater

County MSA- Complete Tract Number

Tract Inc Class

Minority Tract*

14860-09001021300 Moderate Yes

14860-09001021400 Low Yes

14860-09001021500 Low Yes

14860-09001021600 Moderate Yes

14860-09001021700 Middle Yes

14860-09001021801 Middle No

14860-09001021802 Moderate Yes

14860-09001021900 Moderate No

14860-09001022000 Moderate Yes

14860-09001022100 Moderate Yes

14860-09001022200 Low Yes

14860-09001022300 Moderate Yes

14860-09001022400 Upper No

14860-09001030100 Upper No

14860-09001030200 Upper No

14860-09001030300 Upper No

14860-09001030400 Upper No

14860-09001030500 Upper No

14860-09001035100 Upper No

14860-09001035200 Upper No

14860-09001035300 Upper No

14860-09001035400 Upper No

14860-09001042500 Middle No

14860-09001042600 Middle No

14860-09001042700 Middle No

14860-09001042800 Middle No

14860-09001042900 Upper No

14860-09001043000 Middle No

14860-09001043100 Middle No

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY 14860-09001043200 Moderate Yes

Page 2 of 3© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com

*Minority Tracts defined as tracts with a minority population percent of 50% or greater

County MSA- Complete Tract Number

Tract Inc Class

Minority Tract*

14860-09001043300 Middle No

14860-09001043400 Moderate Yes

14860-09001043500 Middle No

14860-09001043600 Middle No

14860-09001043700 Low Yes

14860-09001043800 Moderate Yes

14860-09001043900 Middle No

14860-09001044000 Moderate Yes

14860-09001044100 Low Yes

14860-09001044200 Moderate Yes

14860-09001044300 Middle No

14860-09001044400 Moderate Yes

14860-09001044500 Low Yes

14860-09001044600 Upper No

14860-09001045101 Upper No

14860-09001045102 Upper No

14860-09001045200 Upper No

14860-09001045300 Upper No

14860-09001045400 Upper No

14860-09001050100 Upper No

14860-09001050200 Upper No

14860-09001050300 Upper No

14860-09001050400 Upper No

14860-09001050500 Upper No

14860-09001050600 Upper No

14860-09001055100 Upper No

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY

FAIR COUNTY 14860-09001055200 Upper No

84 tracts

Page 3 of 3© 2012 GeoDataVision (203) 237-1332 www.geodatavision.com

*Minority Tracts defined as tracts with a minority population percent of 50% or greater