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.
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