The 2025 CRA lending data released by the FFIEC in the 2025 “Flat Files” revealed record-breaking levels of Community Development (CD) lending. For the year 2025, CRA-reporting banks reported 36,781 Community Development and Consortium loan originations totaling $184.02 billion. This compares to 2024 data, which revealed 29,600 Community Development and Consortium loan originations valued at $137.92 billion. All that activity translates into a 24.3% increase in CD loan originations and a 33.4% increase in Community Development loan dollars. Given the relaxed regulatory environment under the Trump Administration, those increases are not only dramatic but surprising as well.
Back in 2015, 10 years ago, banks reported 25,566 CD loan originations worth $85.15 billion. In other words, the number of CD loan originations in 2025 was 143.9% of the 2015 level, and the dollar value was more than double (216.1%) the 2015 value. Going back even further, in 2010 banks reported almost $39 billion in CD originations (only a little more than one-fifth of 2025 activity). So 2025 is not a one-off year. It continues a long-term upward trend in Community Development loan activity. Dollar volume did fall from 2021 through 2023, but 2025 topped the previous high of $168.27 billion, set in 2020 when Paycheck Protection Program lending boosted the total.
GeoDataVision previously compared 2024 CD lending activity with Tier 1 capital and found that reported 2024 lending by OCC- and FDIC-regulated banks was almost 10 times the benchmarks in the August 2026 CRA proposal: 0.625% of Tier 1 capital for large-bank CD lending and 1.25% for intermediate banks’ combined CD lending and investing. With CD loan dollars up 33.4% in 2025, the 2025 results are likely even further above the proposed benchmarks. Banks appear to be enthusiastically engaged in Community Development lending far above the levels regulators have proposed.
GeoDataVision, as a public service, makes available a state-by-state national report on 2025 Community Development lending. The report also compiles reported CD lending relative to asset size. Complete the form below to download your free copy.
