You’re exhausting. I guess the OCC are a bunch of redlining racists. They reviewed the same maps during their audits.so the red pins were totally different than the red ink. got it. bwg
word of advice. stop digging.
that said, i have some lending background though ancient, and i know the attitudes of those involved wherein.
i also grasp and am symathetic as to why they have said attitudes, and how they acquired them.
regardless, once maps, actual or understood, become involved in the process rather than just the basic ability and willingness to pay metrics, is when things can go off track.
I am sure in your lowly lending position you never dealt with the OCC.