Except as provided herein, the superintendent has determined not to reinstate specific loan limits for improved or unimproved real estate per se or lending limits relating to locational requirements (except to the extent that the same continue to be provided for in the Banking Law). At the same time, the superintendent expects lenders to make and purchase mortgage loans under specific internal guidelines which are consistent with safe and sound banking practices. Such guidelines shall, among other things, contain provisions which ensure that the lender will meet the credit needs of its entire community, including low- and moderate-income neighborhoods and establish limits on: