Concentrated in Chicago's majority-minority and LMI neighbourhoods
41.2% of its loans were in majority-minority tracts and 27.0% in LMI (low- and moderate-income) tracts, against 7.3% and 16.6% for similar lenders (state member banks making between half and twice as many loans); both are higher than about nineteen in twenty of them. 40.0% went to LMI borrowers, against 27.9%. Its majority-minority share has roughly doubled from 19.6% five years ago, which may reflect where in Chicago it lends.