CRA Assessment Area Mapping Services

Understanding where your loans are originated in relation to your CRA Assessment Area(s) and Reasonably Expected Market Area (REMA) is essential for preparing for your next Community Reinvestment Act (CRA) or Fair Lending examination.

At UBB, we provide advanced CRA mapping and geospatial analysis tools to help financial institutions visualize lending patterns, identify gaps, and strengthen compliance strategies.

Full-Color CRA Maps by Census Tract

Gain deeper insights with visually rich, easy-to-interpret maps that highlight:

• Low-, moderate-, middle-, and upper-income census tracts
• Loan distribution by type (consumer, commercial, HELOC, mortgage, and custom categories)
• Individual maps for each CRA Assessment Area (ideal for banks with multi-market coverage)
• High-resolution, zoomed-in views of targeted geographic areas

Our reporting provides actionable insights to support CRA performance evaluation and regulatory readiness:

• Complete inventory of all census tracts within your assessment areas
• Breakdown of tract income levels (low, moderate, middle, upper)
• Loan counts within each tract, including majority-minority census tracts
• Dollar volume and percentage of loans:
  • Inside your CRA Assessment Area(s)
  • Outside your CRA Assessment Area(s)
• Loan distribution metrics:
  • Number of loans by geography
  • Percentage of loans by geography

We tailor mapping solutions to meet your institution’s unique compliance and strategic goals:

• Small business and small farm loan mapping
• Portfolio segmentation by loan type or internal categories
• Deposit account mapping relative to CRA Assessment Areas or REMA
• Custom overlays to support Fair Lending risk assessments

UBB combines regulatory expertise with advanced geospatial analytics to help your institution stay compliant, competitive, and community-focused.