Author: Shlay, Anne B
Summary
This report contains a series of profiles of regulated lenders’ (commercial banks, credit unions, and savings and loan institutions) performance as demonstrated by where these financial institutions made loans in the Washington, D.C.-Maryland-Virginia SMSA (hereafter, the Washington, D.C. SMSA) in 1982. These profiles of lender performance are intended to serve as a reference for comparing lending activities among different institutions and to aid in assessing the overall performance of each institution. Lenders were ranked by computing a score for each institution based on where they made their loans. This index, “the composite score,” accounts for the proportion of each institution’s loans made in District versus suburban census tracts; census tracts with low, middle, and high income; and census tracts with high, middle, and low percentages of minority populations. Lending institutions received higher scores when they made a greater proportion of their lending in low-income, minority District census tracts. Lending institutions received lower scores when they made a greater proportion of their lending in high-income, white suburban census tracts.
Download
