The agencies' Community Reinvestment Act (CRA) Notice of Proposed Rulemaking (NPR) includes a proposed Retail Lending Test that would establish thresholds and performance ranges for, as applicable, home mortgage, automobile, small business, and small farm lending to low- and moderate-income individuals, small businesses, and small farms.
The below Proposed Retail Lending Test Thresholds Search Tool provides illustrative examples of the thresholds and performance ranges related to the proposed Retail Lending Test described in the NPR. Given available data, the Search Tool is limited to home mortgage (as a single category), small business, and small farm loan products. These illustrative examples of thresholds and performance ranges are based on historical loan data submitted by CRA and Home Mortgage Disclosure Act (HMDA) reporting lenders aggregated over the 2017-19 timeframe and demographic and geographic definitions based on 2019 data.
Disclaimer:
Please note that the below-referenced thresholds are illustrative examples based on historical lending data and are only provided for informational use to provide context for the NPR's proposed Retail Lending Test. These thresholds are not intended for supervisory purposes with respect to the agencies' current CRA regulations.
There are a number of differences between the performance thresholds proposed in the NPR and those provided here, due largely to data availability. Small business loans were identified based on loan amount rather than borrower size, and no data on small business lending to borrowers with gross annual revenues of less than $250,000 were available. Additionally, all residential mortgage loans were aggregated in a single category, as distinctions between closed-end and open-end home mortgages were not reported by lenders until 2018 HMDA data was released. The estimates shown here, therefore, should be understood as approximations regarding what the performance thresholds would have been under the proposed Retail Lending Test.
How to Use Search Tool
Users may select a County, Metropolitan Statistical Area (MSA), or a Metropolitan Division (MD), and view the Geographic and Borrower performance thresholds for each of the listed products.
To find the performance threshold for a desired geographic area, enter either an MSA-MD Title or State and County, and click Submit. Please note that geographies without low- or moderate-income census tracts will return a blank cell. To explore the data further, please download the MSA-based or County-based data for in CSV format by clicking the Download icon.
Please select either MSA-MD Title or State and County