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Fair Lending Reviews

RDK & Associates, Inc. performs fair lending reviews covering the bank’s real estate and consumer portfolios. RDK fair lending reviews consist of comparative file analysis covering both Benchmark and Loan Terms testing. Our Benchmark review includes gender testing of consumer denials and prohibited class testing of real estate denials. Our Loan Terms review cover gender testing of consumer loans and prohibited class testing of real estate loans. The results of our fair lending reviews are used to identify potential discriminatory lending practices and to provide training for lending personnel.