N.Y. Comp. Codes R. & Regs. tit. 3, § 120.8 – Service test.

(1) the extent to which the mortgage banker provides community development services;
(2) the innovativeness and responsiveness of community development services; and
(3) the range of services provided, and the degree to which the services are tailored to meet the needs of low- and moderate-income geographies and individuals, and other underserved communities and individuals;
(4) provided that not offering a particular type of community development service shall not, on its own, be a bar to achieving any rating on the service test.
(d) Performance criteria for qualified investments.
The Department evaluates qualified investment performance pursuant to criteria which may include the following:
(1) the dollar amount of qualified investments;
(2) the innovativeness or complexity of qualified investments;
(3) the responsiveness of qualified investments to credit and community development needs; and
(4) the degree to which the qualified investments are not routinely provided by private investors.
(e) A mortgage banker shall not be required to make qualified investments to achieve any rating on the service test.
(f) The service test includes an evaluation of the extent and nature of the mortgage banker’s marketing activities, if any, relative to the mortgage banker’s available resources.

(a) Scope of test.

The service test evaluates a mortgage banker’s record of helping to meet the credit needs of its assessment area(s) by analyzing both the availability and effectiveness of a mortgage banker’s systems for delivering mortgage loan products and the extent and innovativeness of a mortgage banker’s community development services, qualified investments, community outreach, marketing, and educational programs.

(b) Area(s) benefited.

Community development services and qualified investments must benefit a mortgage banker’s assessment area(s) or a broader area within New York State that includes the mortgage banker’s assessment area(s).

The department evaluates community development services pursuant to criteria which may include the following: