CRA and HMDA Parity Analysis
CrossCheck assisted an intermediate bank in developing a Community Reinvestment Act (CRA) parity analysis to identify gaps in mortgage, small business, and small farm lending performance. Parity was established using owner-occupied mortgage properties and the distribution of businesses and farms for small business and small farm lending performance comparison. We conducted distribution analysis to identify deficiencies in the bank’s assessment area and at the branch level. The bank used the results to proactively address its HMDA and CRA lending performance.
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