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What is the point of credit scoring?

Credit scoring is a statistical analysis performed by lenders and financial institutions to determine the creditworthiness of a person or a small, owner-operated business. Credit scoring is used by lenders to help decide whether to extend or deny credit.

Why do lenders use credit scores?

Lenders often use credit scores to help them determine your credit risk. Credit scores are calculated based on the information in your credit report. In most cases, higher credit scores represent lower risk to lenders when extending new or additional credit to a consumer.

What are the FDIC prohibited basis groups?

It prohibits discrimination on seven bases race, color, religion, sex, national origin, handicap, and familial status. The regulation that implements the Fair Housing Act is 24 C.F.R., Part 100. 2Interagency Fair Lending Examination Procedures, .fdic.gov/consumers/community/fairlend.pdf 312 C.F.R. 202.2(p)(1).

What is the FDIC loan limit to one borrower?

A national banks or savings associations total outstanding loans and extensions of credit to one borrower may not exceed 15 percent of the banks or savings associations capital and surplus, plus an additional 10 percent of the banks or savings associations capital and surplus, if the amount that exceeds the

How does a lender determine a persons credit risk?

Credit risk is determined by various financial factors, including credit scores and debt-to-income (DTI) ratio. The lower risk a borrower is determined to be, the lower the interest rate and more favorable the terms they might be offered on a loan.

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