Application and Lending Plan Evaluation Form

ECIP applicants will be evaluated and scored based on the following criteria. The Financial Ability and 

Proclivity and the Capacity to Execute on the Lending Plan sections may be used to determine investment 

amounts for individual applicants. In the event the ECIP is oversubscribed or exceeds the statutory set 

asides for asset size, the overall score may be used to determine investment amounts. 

Financial Ability and Proclivity Weighting (0 points)

1

Financial ability to pay dividends and interest payments (A 

minimum pro forma dividend/interest coverage ratio of 1 

to 1 is required. The investment amount may be lowered 

in order to satisfy the minimum coverage ratio.)

Pass/Fail

Capacity to Execute on Lending Plan

Weighting

(650 points)

1

A. Track record that demonstrates the capacity to 

execute the lending plan, including the quality of the 

data provided in Question 1 of the ECIP application 

related to lending to LMI or minority individuals

B. Financial ability to execute on the lending plan

Outstanding = 260 pts (100%)

High Satisfactory = 234 pts (90%)

Satisfactory = 208 pts (80%)

Low Satisfactory = 182 (70%)

Weak = 156 (60%)

2

A. Past experience managing federal programs or awards, 

Community Reinvestment Act examination findings 

and ratings or prior violations of fair lending laws and 

regulations. 

B. Proclivity to pay dividends and interest payments.

Outstanding = 130 pts (100%)

High Satisfactory = 117 pts (90%)

Satisfactory = 104 pts (80%)

Low Satisfactory = 91 (70%)

Weak = 78 (60%)

3 Reasonableness of lending plan projections based on 

market size and condition

Outstanding = 130 pts (100%)

High Satisfactory = 117 pts (90%)

Satisfactory = 104 pts (80%)

Low Satisfactory = 91 (70%)

Weak = 78 (60%)

4 Internal capacity of the applicant (e.g., staffing and 

networks)

Outstanding = 130 pts (100%)

High Satisfactory = 117 pts (90%)

Satisfactory = 104 pts (80%)

Low Satisfactory = 91 (70%)

Weak = 78 (60%)
Responsiveness to Community Needs

Weighting

(350 Points)

1

Lending plan demonstrates an understanding of all the 

institution's target markets, including the impact of 

COVID-19 on these markets, and is tailored to meet those 

needs. 

Outstanding = 140 pts (100%)

High Satisfactory = 126 pts (90%)

Satisfactory = 112 pts (80%)

Low Satisfactory = 98 (70%)

Weak = 84 (60%)

2

Lending plan demonstrates an understanding of LMI 

individuals in target markets, including the impact of 

COVID-19 on LMI individuals, and is tailored to meet their 

needs. 

Outstanding = 70 pts (100%)

High Satisfactory = 63 pts (90%)

Satisfactory = 56 pts (80%)

Low Satisfactory = 49 (70%)

Weak = 42 (60%)

3

Lending plan demonstrates an understanding of minority 

individuals and historically disadvantaged individuals in 

the institution's target markets who lack access to capital, 

including the impact of COVID-19 on those communities, 

and is tailored to meet their needs. 

Outstanding = 70 pts (100%)

High Satisfactory = 63 pts (90%)

Satisfactory = 56 pts (80%)

Low Satisfactory = 49 (70%)

Weak = 42 (60%)

4

Community Outreach and Communication Plan that 

provides quantitative details and demonstrates the 

applicant consulted with the community and responded to 

their concerns. 

Outstanding = 70 pts (100%)

High Satisfactory = 63 pts (90%)

Satisfactory = 56 pts (80%)

Low Satisfactory = 49 (70%)

Weak = 42 (60%)