1. Copyright © 2013 MARQUIS CenTrax Fair Lending

2. Copyright © 2013 MARQUIS This session will familiarize you with the features CenTrax that will aid you in your Fair Lending analysis.  Data Collection  Scoping Reports for  Underwriting  Pricing  Levels of Assistance

3. Copyright © 2013 MARQUIS Data Collection  The Fair Lending software provides additional fields for data collection:  Override Status  Bankruptcy Status  Fees  Compensating Factor (Part of the Lookup Table, can be customized)  Points  Yield  Net Worth  Years at Employer, Years in Business, Years at Residence  Late Pays  Major Derogatory, Minor Derogatory  Overage  Debt Amount, Debt-to-Income Ratio  Appraisal Amount, Loan-to-Appraisal Ratio  Lien Amount, Lien-to-Loan Ratio (Lien-to-Loan is a calculated field)

4. Copyright © 2013 MARQUIS Other fields  Some fields are standard to the CenTrax software without the fair lending capabilities:  Age  Marital Status  Credit Score 1, Credit Score 2, Credit Score 3  Pricing fields such as APR and Interest Rate

5. Copyright © 2013 MARQUIS Please note that fields that are yellow in color are calculations preformed automatically or during certain processes.

6. Copyright © 2013 MARQUIS Deciding what’s Important  What fields are used when decisions are made?  What fields are used when pricing is determined?  Use fields consistently  Credit Score 1 should always mean the same thing (borrower; coborrower; lower of the scores of both; etc)  Use import tools in CenTrax  Data Conversion – modifies values on the fly Example: Bankruptcy is a Y/N on your system rather than a 1 or 2.  DataPro – modify/move data after import Manipulate the credit score fields (lower/higher/middle)

7. Copyright © 2013 MARQUIS Scoping Reports  These reports give us an overview of our activities for key factors:  Decisions Action Code Summary Or (if you do not have FL Module) Borrower and CT Characteristics  Pricing HMDA Threshold Report HMDA Rate Spread Report Pricing Report Overage Analysis  Levels of Assistance Average Disposition Cycle  Because of the flexibility of the Cross-Tab report, it can be used to answer a variety of questions/factors.

8. Copyright © 2013 MARQUIS Discovery>Research>Reports>Fair Lending

9. Copyright © 2013 MARQUIS Action Code Summary Determine if there is disparity in your decisions by applicant characteristic.

10. Copyright © 2013 MARQUIS Discovery>Research>Reports>Distribution/Summary

11. Copyright © 2013 MARQUIS Borrower and Census Tract Characteristic Analysis

12. Copyright © 2013 MARQUIS Discovery>Research>Reports>HMDA Reports

13. Copyright © 2013 MARQUIS HMDA Rate Spread Analysis

14. Copyright © 2013 MARQUIS Discovery>Research>Reports>HMDA Reports

15. Copyright © 2013 MARQUIS HMDA Threshold Analysis

16. Copyright © 2013 MARQUIS Discovery>Research>Reports>Fair Lending

17. Copyright © 2013 MARQUIS Overage Analysis Report Are you allowing Overages (you must collect this as a field to run this report)?

18. Copyright © 2013 MARQUIS Discovery>Research>Reports>Fair Lending

19. Copyright © 2013 MARQUIS Pricing Analysis Compare your Interest Rate, APR and Rate Spread characteristics by applicant factor.

20. Copyright © 2013 MARQUIS Discovery>Research>Reports>HMDA Reports>HMDA Disclosure Statements

21. Copyright © 2013 MARQUIS Average Disposition Cycle

22. Copyright © 2013 MARQUIS Discovery>Research>Reports>Distribution/Summary

23. Copyright © 2013 MARQUIS Cross Tab