CRA Key Performance Benchmark Reports Package
Performance Benchmark Data: CRA does not specify quantitative performance
standards. Instead, examiners rely on performance context
data to assess performance.
GeoDataVision has captured, organized and presented this data in a series of reports that
establish the most important quantitative standards against which your bank will be
compared.
These reports include:
CRA Small Business Loan Report
The Small Business Loan Report is a suite of reports extracted from the CRA small business loan data released by the Federal Financial Institutions Examination Committee (FFIEC). Annually, in August, the FFIEC releases data collected and compiled from the small business loan data reported by banks to their federal regulatory agency.
Fair Lending Portfolio Analysis Report
An Automated Affordable Fair Lending Risk Assessment Program for Community Banks!
In today's regulatory environment it is important not only to avoid Fair Lending violations but also to implement a program to show examiners you have a system to monitor and identify potential Fair Lending violations.
GeoDataVision offers a Community Bank Fair Lending Risk Assessment Program that:
Minority Mortgage Market Reports
Fair lending analysis cannot be done in a vacuum. All Fair Lending analysis requires comparison of mortgage applications within your bank as well as comparisons to your mortgage market. Professional Fair Lending performance analysis needs the perspective provided by the mortgage market activity of all lenders active in your market.
GeoDataVision has created a unique set of Fair Lending Market Reports that focus on the minority mortgage market.
These reports help you to compare and to put into perspective:
Summary of Deposit Reports
Every year in October the FDIC releases the Summary of Deposits (SOD
) data for all insured institutions. This data compiles deposits on hand for each and every branch everywhere in the United States.
HMDA Mortgage Market Analysis Reports
This is the data regulators will use to evaluate your institution's CRA Performance. The data contained in these reports is extracted from the most up-to-date Home Mortgage Disclosure Act (HMDA) Raw Data (released by the Federal Reserve each year).
Custom HMDA Market Data Reports
GeoDataVision has an enormous database of HMDA-reported mortgage lending activity for the entire United States. This is the same database examiners use when comparing your institution's performance to other mortgage lenders. This is the largest, most accurate and most comprehensive database on mortgage lending available. This data includes information on all reporting lenders and vital demographic information on borrowers.
Demographic Data
CRA regulations require that an institution demonstrate it is meeting the need for credit services within its Assessment Area. An important prerequisite is a knowledge of community demographics. GeoDataVision can prepare maps and tables depicting vital demographic characteristics within your market.
