| Exhibit B: Associates Home Mortgage Lending | |||||||||
| (Associates Home Equity Service and Associates Financial Services) | |||||||||
| Source: 2000 HMDA Data | |||||||||
| MSA | Percent Black Applicants | Percent portfolio black | Percent portfolio low-income | Average % applicants black | Avg. % portfolio black | Avg. % portfolio low-income | Difference % black applicants | Difference % portfolio black | Difference % portfolio low-income |
| Asheville | 6.5% | 1.1% | 18.6% | 4.3% | 2.1% | 18.7% | 2.2% | -1.0% | -0.1% |
| Charlotte | 15.0% | 11.2% | 55.8% | 12.3% | 9.7% | 23.8% | 2.7% | 1.5% | 32.0% |
| Fayetteville | 23.6% | 24.5% | 38.2% | 23.6% | 23.2% | 18.3% | 0.0% | 1.3% | 19.9% |
| Goldsboro | 25.6% | 23.8% | 53.1% | 25.4% | 19.3% | 24.2% | 0.2% | 4.5% | 28.9% |
| Greensboro | 21.4% | 12.3% | 78.7% | 12.9% | 9.8% | 23.9% | 8.5% | 2.5% | 54.8% |
| Hickory | 6.2% | 4.9% | 51.6% | 4.7% | 2.9% | 25.9% | 1.5% | 2.0% | 25.7% |
| Jacksonville | 35.2% | 42.0% | 56.2% | 11.5% | 8.4% | 13.9% | 23.7% | 33.6% | 42.3% |
| Raleigh-Durham | 24.3% | 31.2% | 65.3% | 16.2% | 10.9% | 24.1% | 8.1% | 20.3% | 41.2% |
| Rocky Mount | 39.3% | 26.1% | 61.9% | 32.7% | 21.1% | 26.3% | 6.6% | 5.0% | 35.6% |
| Wilmington | 18.7% | 12.9% | 60.0% | 10.4% | 4.5% | 14.4% | 8.3% | 8.4% | 45.6% |
| Rural | 18.8% | 19.6% | 61.2% | 16.6% | 8.2% | 15.5% | 2.2% | 11.4% | 45.7% |
| Total | 19.2% | 14.6% | 52.8% | ||||||