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Reply To: LPOs

#33897
Brent V
Keymaster

Your analysis is accurate. The geography in which a LPO is located does not have to be included in your assessment area. As you note, loans originated by your LPO are apparently located in areas not included in your assessment area and depending on the success of the LPO could hurt your bank’s performance on the lending test that focuses on the percentage of loans located in the assessment area.