Selection of the 16 metro areas . Definition of minority neighborhood . Worst case lending patterns shaped by minority population concentration and composition . Presumption of no marketing effort . Substantial mortgage loan market in minority neighborhoods .
Major lenders can serve home financing needs of minority neighborhoods .
Injury to minority persons and minority neighborhoods . Exclusionary lending criteria contribute to worst case lending patterns . Consolidation of home purchase loans made by affiliates . Consolidation of loan originations and loan purchases . Mortgage companies dominate the list of worst case lenders .