Have you gone through a Fair Lending Audit lately? I recenlty have and it was not an easy task. Not only were there ECOA problems but the auditors came in with the mind set that I discrimate. After a very long meeting of comparing two loans with similar DTI, LTV, credit score, etc… they realized that there was no discrimination and the denied loans were denied because of their credit history and cash flow. Any one have any other experiences?