---

The Performance and Profitability of CRA-Related Lending (PDF)
...Patterns of relative performance also vary by asset-size category, with larger institutions more likely to report that CRA-related home purchase and refinance loans do not perform as well as other loans. For example, nearly 90 percent of large banking institutions report higher 30-89 day delinquency rates for CRA-related home purchase and refinance lending than for overall home purchase and refinance lending. By comparison, 41 percent of smaller banking institutions in the sample report this kind of relative experience. Similarly, half of the large institutions report that credit losses are higher for CRA-related home purchase and refinance lending, while only 22 percent of smaller institutions in the sample report a similar experience....