As a Mortgage Loan Originator or anyone who manages or directs an MLO in the course of business, have you ever heard/said the following or anything similar to the these statements?
"I don't touch loans under a certain amount...why should I, they are just as much work as a larger loan and I don't make enough to deal with them"
"Loans under $(x) aren't worth my time"
"I have a minimum loan amount and I won't do anything under $(x)
"I don't originate mortgage loans in that area"
These statements or mindsets are a direct violation of Fair Lending Laws, specifically under HMDA Reg-C and ECOA and are considered to be Redlining.
You must eliminate this from your organization!