1/15. AtlanticStewardship. CountiesIncluded:Bergen,Essex,Middlesex,Monmouth,Morris,Passaic,Union, Burlington,Camden,GloucesterNJ
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- Stefan Olesen
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1 1/15 CountiesIncluded:Bergen,Essex,Middlesex,Monmouth,Morris,Passaic,Union, Burlington,Camden,GloucesterNJ Thisreportincludesdatafrom: 2017HomeMortgageDisclosureAct(HMDA) 2018FFIECSmalBusinessLending June2018FDICBranchSummaryofDeposits Seefinalslidefordefinitionsandmethods.
2 2/15 Low andmoderate (LMI)Neighborhood Population MiddleandUpper NeighborhoodPopulation 40% 34% 67% 20% WhatistheracialdistributionofLMI neighborhoods? White Black Hispanic Asian OtherRace NativeAmerican Hawaian/PacificIslander 3,319,566 1,114, , , ,243 6,195 1,423 Population Neighborhood Total Persons Asian% White% Black% Hispanic % Low and Moderate Middleand Upper 47% 53% 40% 60% 91% 9% 91% 9% 4,502,824 1,474,111 Wheredodifferentracialgroupslive? 5,984,786 People $95,579 MedianFamily DemographicProfile $76,463 LMIThreshold PercentWhite PercentBlack PercentAsian PercentOther PercentHispanic
3 3/15 Home PurchaseLoans ( ) Homepurchaseloansoriginatedon single-family,owner-occupied propertiesatthecensustractlevel.
4 4/15 #Loans LoanAmount($000s) TheHomeMortgageDisclosureAct(HMDA)requiresmost lenderstoreportdetailsaboutthemortgageapplications thattheytake.thisdataisfrom the hmda dataset. HomePurchase 40 13, % HomePurchase Originated bylender HomeImprovement 63 6,539 Refinance 95 24, % Refinance 63 32% HomeImprovement
5 5/15 100% 90% 10(12%) Denied 24,616(11%) Denied 80% 47,589(20%) DidNotClose % oftotalnumberofrecords 70% 60% 50% 40% 30% 20% 31(38%) DidNotClose 40(49%) Originated 160,051(69%) Originated Outcomesof LoanApplicationsreportedby (comparedwiththerestofthelendersinthemarket) Lenderscanoriginatetheirownloansorpurchaseloansfrom correspondentlendersorothersources.applicationscanalsobe deniedorfailtocloseforanumberofreasons. 10% 0% OtherLenders
6 6/15 Neighborhoodandborrowerraceof originationsmadeby (comparedwithalotherlenders) Homepurchaselendingiscomparedbyraceofthe borrowerandthemajorityraceoftheneighborhood. Incaseswheretheborrowerdidnotindicatearaceor ethnicity,andthelenderdidnotcolectit,theloanis inlcudedwithwhiteborrowers. Neighborhood Race BorrowerRace #Loans % Loans OtherLenders #Loans % Loans WhiteMajority White Asian Hispanic NativeAmerican HawaianorPac. Black Total Minority Majority Hispanic White NativeAmerican HawaianorPac. Black Asian Total 98% 3% 8% 88% % 3% 0% 0% 5% 6% 64% 179,104 5, ,492 14, ,479 3% 3% % 3% 3% 0% 0% 11% 5% 50,120 6,623 7, ,116 11,008
7 7/ LoanApplicationOutcomesbyRace Bankreportednoapplications from ablackhomepurchaseapplicantduringanyof thethreeyearsreviewedforthisreport. Originated Denied DidNotClose GrandTotal Asian White Hispanic OtherLenders Asian Black NativeAmerican White Hawaianor PacificIslander Hispanic , , ,440 29,955 6, , ,843 5,795 4, , ,422 2,915 19, , ,516 19,235 DenialDisparitybyRace
8 8/15 Neighborhoodandborrowerincomeof homepurchaseloansmadeby (comparedwithalotherlenders) Homepurchaselendingiscomparedbyincomeofthe borrowerandthemedianfamilyincomeofthe neighborhood. Neighborhood Borrower #Loans % Loans OtherLenders #Loans % Loans MiddleandUpper Neighborhoods MiddleorUpper Borrower LMIBorrower Total Low and Moderate Neighborhoods MiddleorUpper Borrower LMIBorrower Total 100% 18% 83% % 13% 74% 200,410 30, ,563 13% 5% 7% 28,814 12,020 16,794
9 9/15 OtherLenders 100% 90% 80% % oftotalnumberofrecords 70% 60% 50% 40% 30% 40(100%) Conventional 71,431(75%) Conventional 3,177(87%) Conventional 69,643(54%) Conventional 53,829(41%) FHA Typesof homepurchaseloansmadeby (comparedwithalotherlenders) Increasingly,banksarefocusedonmakingconventional loanasopposedtofhaorvainsuredloans.lmiand minorityborrowersarereliantuponfhaandvalending formostoftheirhomepurchases.thereare conventionalproductsofferedbybothfanniemaeand FreddieMacthatoffertermssimilartoFHAlending. 20% 10% 0% 20,642(22%) FHA 393(11%) VA LoanType Conventional FHA RHS Bank Bank CreditUnion Non-bank VA
10 10/15 BranchLocations Branchlocationshavestrongimpact onbusinesslendingandtheshareof residentsthatareun-banked. Servicetype11(brickandmortar) and12(retail)locationsonly
11 11/15 WelsFargo Valey National TDBank PNCBank JPMorgan Chase Bankof America Bank 12Branches WelsFargo PNCBank TDBank BankofAmerica JPMorganChase ValeyNationalBank SantanderBank InvestorsBank M&TBank ProvidentBank $4,754,443 $5,691,899 $12,131,992 $7,523,683 $11,550,431 $17,590,196 $26,626,783 $29,685,783 $21,832,515 $28,991, AlBranches Deposits($000s) Bank $792, BranchCount (asofjune2018comparedwiththerestofthemarket)
12 12/15 BranchCount (asofjune2018comparedwiththerestofthemarket) NJ Bergen Burlington Camden Essex Gloucester Middlesex Monmouth Morris Passaic Union AlBranches OtherBanks LMIBranches OtherBanks MinorityBranches OtherBanks 1, % 0% 31% 8% WelsFargo National TDBank PNCBank JPMorgan Chase Bankof America Bank 12Branches
13 13/15 Low andmoderate Neighborhoods MiddleandUpper Neighborhoods #Loans % Loans #Loans % Loans BusinessLendingby (comparedwithalotherlenders) 852 8% 10,356 92% Section1071oftheDodd-FrankActof2010directedthe ConsumerFinanceProtectionBureau(CFPB)tocolect detaileddataonbusinesslending. Todate,thishasnotbeendone.Inthemeantime,under,the CRAbanksreportlimiteddataonbusinessloansincluding theincomeoftheneighborhoodwheretheloanismade. OtherLenders 488,783 13% 3,231,533 87% Thereisastrongcorrelationbetweenbusinesslendingand bankbranchlocations,therelationshipsthatlocalbusiness ownersbuildwithbankbranchstaff areakeyelementin makebuisnessloans.
14 14/15 Low andmoderate Neighborhoods MiddleandUpper Neighborhoods #Smal BusinessLoans % Smal BusinessLoans #Smal BusinessLoans % Smal BusinessLoans 528 9% 5,559 91% SmalBusinessLendingmadeby (comparedwithalotherlenders) Smalbusinessloansarethosebusinessloansmadeto businessesthatreportlessthan$1milionayearinrevenue. SmalbusinessloansareacriticalsourceoffundsforLMI neighborhoodsandentreprenuers.thesesmalloansand creditcardshelpstartnew businessesandexpandsmal companies. OtherLenders 211,057 13% 1,371,766 87%
15 15/15 Thankyou AlNCRCMembersreceivesupportfrom NCRCResearch,askyourorganizeraboutthisbenefit today. Definitions Low tomoderate(lmi)apersonorborrower(lmib)orcensustract(lmit)withafamilyincomelessthan80% ofthemedianfamilyincomeforthemsa. Minority-Anypersonotherthananon-Hispanicwhitethatisaborrower(MINB)oratractwithmorethan50% minorityresidents(mint). Application-amortgageloanapplication. Origination-amortgageloanthatresultsinahomepurchase. CommunityReinvestmentAct(CRA)-Law thatrequiresbankstoservicethecreditneedsofthecommunitiestheyoperateinandreportdataonsmalbusinesslending. HomeMortgageDisclosureAct(HMDA)-Law thatrequireslenderstoreportdetailsaboutmortgageloanapplications. DepositMarketShare-Shareofcashdepositsheldbyaparticularbank. BankBranch-Anybrickandmortarlocationwhereapersoncanmakeadeposittoateler. DataSources Mortgagelendingistakenfrom thecfpbwebsiteandisfor unlessotherwiseindicated.homepurchaseloanstoowneroccupantsonsinglefamilyhomesareused.actioncode1isconsidered anoriginationandactioncodes1-5areconsidered applications.purchasedloansandpreapprovalsarenotincludedunlessspecificalyindicated. CensusdataforHMDAisdrawnfrom theffieccensusfilefor2017andusesthe AmericanCommunitySurveydatafrom theuscensus. Smalbusinesslendingistakenfrom theffiecwebsiteandusestheirdefinitionsofsmalbusiness.smalbusinessdataisfrom Personofcolororminorityreferstoanypersonthatisnotanon-Hispanicwhite.Ininstanceswhereraceismissingthatborrowerisconsideredtobeanon-Hispanicwhite. BranchdataiscurrentasofJune2018andincludesservicetype11and12only.
1/18. ColumbiaBank. CountiesIncluded:Bergen,Essex,Middlesex,Monmouth,Morris,Passaic,Union, Burlington,Camden,GloucesterNJ. Thisreportincludesdatafrom:
1/18 CountiesIncluded:Bergen,Essex,Middlesex,Monmouth,Morris,Passaic,Union, Burlington,Camden,GloucesterNJ Thisreportincludesdatafrom: 217HomeMortgageDisclosureAct(HMDA) 218FFIECSmalBusinessLending June218FDICBranchSummaryofDeposits
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