Rancho Cordova Fair Housing Survey - Lenders
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1. Lenders
The City is interested in hearing from mortgage lenders in Rancho Cordova regarding fair lending practices and improving access to mortgage credit for all members of our community.
1
. Do you have programs to assist first-time homebuyers?
Do you have programs to assist first-time homebuyers?
Yes
No
2
. Do you have programs to assist borrowers to prepare for home purchase?
Do you have programs to assist borrowers to prepare for home purchase?
Yes
No
3
. Do you offer printed information in languages other than English?
Do you offer printed information in languages other than English?
Yes
No
4
. Do you have loan officers that speak languages other than English?
Do you have loan officers that speak languages other than English?
Yes
No
5
. Do you review your lending practices and policies for fair lending?
Do you review your lending practices and policies for fair lending?
Yes
No
6
. If yes to #5, when was the last review? – pick one
If yes to #5, when was the last review? – pick one
Less than 6 months ago
6 – 12 months ago
More than 1 year ago
Don’t know/don’t remember
7
. If a review was done within the last year, were any changes made to your lending practices as the result of the review?
If a review was done within the last year, were any changes made to your lending practices as the result of the review?
Yes
No
8
. Do you train your loan officers regarding fair lending requirements and best practices?
Do you train your loan officers regarding fair lending requirements and best practices?
Yes
No
9
. If yes, when was the last time loan officers were trained?
If yes, when was the last time loan officers were trained?
Less than 6 months ago
6 – 12 months ago
More than 1 year ago
Don’t know/don’t remember
10
. If loan officers were trained within the last year, was a third party used or company staff?
If loan officers were trained within the last year, was a third party used or company staff?
Third party trainers
Company staff trainers
11
. Do you feel you need additional services or information to train your loan officers regarding fair lending requirements and best practices?
Do you feel you need additional services or information to train your loan officers regarding fair lending requirements and best practices?
Yes
No
12
. Do you review your loan portfolio for under-representation of ethnic and racial sub-groups?
Do you review your loan portfolio for under-representation of ethnic and racial sub-groups?
Yes
No
13
. Do you review your loan portfolio for under-representation of areas?
Do you review your loan portfolio for under-representation of areas?
Yes
No
14
. If responded yes to either 12 or 13 above, when was the last time reviewed?
If responded yes to either 12 or 13 above, when was the last time reviewed?
Less than 6 months ago
6 – 12 months ago
More than 1 year ago
Don’t know/don’t remember
15
. If you responded yes to either of the above, which loan types were reviewed separately? Select all that apply.
If you responded yes to either of the above, which loan types were reviewed separately? Select all that apply.
Home purchase by owner-occupant
Home purchase by investor
Home improvement
Re-finance by owner-occupant
Re-finance by investor
Loans were only reviewed in the aggregate
16
. Do you feel you need additional services or information to analyze your loan portfolio?
Do you feel you need additional services or information to analyze your loan portfolio?
Yes
No
17
. Do you intentionally market to groups or areas that are under-represented in your portfolio?
Do you intentionally market to groups or areas that are under-represented in your portfolio?
Yes
No
18
. If yes to #17, which of the following methods are used? Select all that apply.
If yes to #17, which of the following methods are used? Select all that apply.
Television
Radio
Daily newspapers
Periodicals
Company website
Billboards/posters
Event sponsorship
Other (please specify)
19
. Do you feel you need additional services or information to adequately market your services to under-represented groups or areas?
Do you feel you need additional services or information to adequately market your services to under-represented groups or areas?
Yes
No
20
. What type of lender are you?
What type of lender are you?
Bank
Mortgage broker
Credit union
Other (please specify)
21
. Is there anything you would like the City to know about fair lending or improving access to mortgage credit?
Is there anything you would like the City to know about fair lending or improving access to mortgage credit?
22
. Please provide the following optional information if you wish to receive information on fair housing in Rancho Cordova. This information will be kept separate from the survey results and will not be used in the survey results report. This section of the survey is optional. If you wish to complete the survey without providing this information, please click complete.
Please provide the following optional information if you wish to receive information on fair housing in Rancho Cordova. This information will be kept separate from the survey results and will not be used in the survey results report. This section of the survey is optional. If you wish to complete the survey without providing this information, please click complete.
Please send me more information on fair housing in Rancho Cordova.
Yes, I’d like to respond to a follow-up survey.
No thanks, I’d like to remain anonymous.
23
. Contact Information (optional)
Contact Information (optional)
Name:
Jurisdiction:
Email Address:
Phone Number:
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