Figure 1: HOLC Map of Atlanta 1938
Example of a Home Owners' Loan Corporation (HOLC) Map of Atlanta from 1938. Areas on the map are shaded for mortgage security. High level neighborhoods are grade “A” shaded in green meaning minimal risk areas for banks for areas with safe investments. Areas shaded blue were grade "B", yellow areas were grade "C" and the areas shaded in red were considered a grade level of "D" and were considered hazardous for investing.
Historical form titled a “Form 8” with the Area Description of the security map of Atlanta, Georgia. The form lists the area characteristics such as description of terrain, favorable influences and detrimental influence, percentage of land improved, Inhabitants and their occupations, if they are foreign born, etc.
Source: Robert K. Nelson, LaDale Winling, Richard Marciano, Nathan Connolly, et al., “Mapping Inequality,” American Panorama, ed., https://dsl.richmond.edu/panorama/redlining/#loc=4/36.71/-96.93&text=intro
Figure 2: Small Business Owners that Received Bank Funding in the Last Five Years
|Small Business Owners||Percent|
Source: Federal Reserve System 2019 Small Business Credit Survey, https://www.fedsmallbusiness.org/medialibrary/FedSmallBusiness/files/2020/2020-sbcs-employer-firms-report.
Figure 3: Evaluation Framework with Separate Retail and Community Development Tests
There are two panels Retail Test (left) and Community Development Test (right). The Retail Test panel contains two different sized text boxes. The larger box represents "Retail Lending Subtest - Retail Lending Metrics" and the smaller box represents "Retail Services Subtest - Qualitative Review of Delivery Systems and Deposit Products." The Community Development Test panel contains two different sized text boxes. The larger box represents "CD Financing Subtest - CD Financing Metric" and the smaller box represents "CD Services Subtest - Qualitative review."
Figure 4: Examples of Retail Lending Thresholds Based on Local Data
|Share of LMI families||Share of mortages to LMI borrowers|
|Adams County, CO||48||56|
|Seminole County, FL||31||21|
Source: American Community Survey 2013-2017 5-year average data, and Home Mortgage Disclosure Act 2017 data.
Figure 5: Community Development Loan & Investment Dollars-to-Deposit Ratios
Metropolitan vs. Non-Metropolitan Assessment Areas
|Assessment Area Type||Dollars-to-Deposit Ratios|
Two Example MSAs
|Little Rock, AR||1.1%|
|San Diego, CA||3.0%|
Source: Board analysis of CRA Analytics Data Tables and Summary of Deposits data from 2014-2017. Additional details related to these calculations can be found in the ANPR.
Figure 6: Retail Lending Dashboard Example
CRA Retail Lending Dashboard
Assessment Area: Any Town, USA
Product: Home Mortgage Lending
Evaluation Period: 2015 to 2018
|Item||Borrower Distribution||Geographic Distribution|
|Performance to Date||34%||39%|
Note: presumption satisfactory